23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report through XXXX as instructed by the FTC Consumer Information web site on XX/XX/2020. I ordered a credit report from TransUnion. This required the submission of a social security number, date of birth, address, and answering security questions. My report came back for someone else with a different date of birth and a different social security number. I clicked the Initiate Dispute Button and then Start button on a new page to open a dispute and nothing happened. I clicked Found an Inaccuracy and nothing happened. 

I was able to obtain correct credit reports for my wife and me from XXXX with no issues. My wifes credit report from TransUnion was fine. 

There is absolutely no excuse for providing a credit report for someone with a different social security number and date of birth. I have enough information to steal this other persons identity. 

You NEED to contact me for the other person 's information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was the victim of a telephone Authorized XXXX XXXX  scam perpetrated by criminals posing as my bank, Wells Fargo, who manipulated me into using the online wire transfer system to transfer {$25000.00} to another Wells Fargo account. 
How did the criminals know I had a Wells Fargo account? 
How did the criminals know there was an excess of {$25000.00} in my account? 
Was my account hacked prior to the telephone scam? 
Has Wells Fargo investigated this incident after I reported it on XX/XX/2022? If so, what were the results?
Product: Debt collection

I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. 
I also know that calling times can not be earlier than XXXX.
Product: Debt collection

Hi i have been wrongfully charged for an unknown debt from XXXX bank which is in the amount of {$810.00} on the XXXX of XXXX through Mail I received. I have no connection with the said debt and would like to dispute it immediately. Also I request the company desist from sending me Mails or Emails or even Phone calls regarding the so-called debt which is wrongfully in my name. Thank You
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Innovis for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the data furnisher of the bankruptcy information. However, I have received an official letter from the U.S. Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, XXXX, XXXX, and Innovis have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.
Product: Mortgage

XXXX  Email : Phone Number :  XXXX   XXXX   XXXX  My  name is   XXXX   XXXX  I 'm a   XXXX   for 25 years. My mother died last year in  XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a  XXXX , We did a contract which was accepted by  XXXX   XXXX   XXXX  a servicing agent with an appraisal. The bank sold the loan to  XXXX  which also accepted the contract for a second time with an an appraisal.  XXXX  sold the loan to a local bank called  BAYVEIW i n  XXXX  Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in  llueof  a foreclosure which I will NEVER SIGN TO THEM!!!! We have   XXXX    prior accepted contracts with appraisals ( appraisals are under strict laws ) The  home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active  XXXX   XXXX  for a very aggressive  XXXX  and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased  2     years before I was born bac k in 1963. I 'm  grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the   XXXX   previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!!   I 'm very sick from the  XXXX  and recovering from  XXXX  and want to expose this bank for the railroading!!!!   They are trying Thank you,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. HOMEPOINT called me on XX/XX/2021. 
- I received a phone call on my personal cell phone number from a woman that did not identify herself, but she was asking me to identify myself. This immediately triggered my suspicion that this was a illegitimate phone call. 
- After I insisted that she identified herself, she said she was calling from HOMEPOINT, a mortgage company, about my application for a mortgage refinance. I NEVER REQUESTED OR APPLIED FOR A MORTGAGE REFINANCE WITH HOMEPOINT. At this time, I TOLD HER I WAS NOT INTERESTED in refinancing and hung up.

2. Homepoint emailed my personal email address on XX/XX/2021. 
- It is unknown how they obtained my email address or phone number. 
- The email with subject line : " important information about your mortgage '' requested that I register in their website and " view your loan information '', essentially suggesting that I had a loan with them, WHICH I HAVE NOT EVER HAD. 
- I called the phone number in their email. The automated reply stated that I had an account with them associated to my phone number. AGAIN I DONT HAVE AND HAVE NOT EVER OPENED AN ACCOUNT WITH HOMEPOINT. 
- After navigating through the menu, the automated operator constantly asked me for my last four SSN digits, and in one occasion it asked for my full SSN. I did not provide those.

- I finally reached a representative to confront about the fact that I do not have an account with them, but he suggested that I might have to find out if I need to pay HOMEPOINT instead of my current mortgage servicer. 
- The HOMEPOINT representative, myself and a representative of my current lender servicer had a three-way phone conversation. My current servicer asked for my SSN last four digits, and at this time I hung up as I did not want to provide them with the HOMEPOINT representative on the line. 
- I called my current mortgage servicer, and verified that my account is in order and I am still making my mortgage payments to them. 
- I unsubscribed from HOMEPOINT emails using their very obscure " unsubscribe '' link at the end of their email. 

Clearly, HOMEPOINT was using deceptive tactics to : 1. Get sensitive, personal information from me.

2. Trick me into starting a refinance with them, which I was not interested.

3. Trick me into giving them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  # XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.
Product: Mortgage

Midland mortgage has consistently reported me as not paying my mortgage while on a forbearance. I have disputed it with all three credit bureaus and they've answered and their answers still remains the same
Product: Checking or savings account

I received 3 recent overdraft fees for the same basic issue. 1 each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( One of those was refunded after a prior CFPB complaints. The 2 still need to be refunded ).

I have online banking, I use the PNC app, and I am set up to receive a daily email warning when I have a low balance.

It is common to check online banking manually, and/or receive the alert email, and see a positive - but wake up the next day to find that not only has the account become overdrawn overnight, but the cooresponding fee has already been added. Basically a charge or charges post retroactively, creating an overdraft, and a fee is added.

This creates a situation where the customer has no opportunity to correct an overdraft before it occurs, because it occurs retroactively in the past. This despite using all tools the bank provides to track balance in real time. I have described this scenario in long detail to PNC reps. They agree that this happens, but will generally not refund the fee.
Product: Credit reporting or other personal consumer reports

These inquires were unauthorized and I am a victim of identity theft. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XACTUS LLC XX/XX/XXXX Please remove these from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed a certified dispute letter to XXXX XXXX XXXX XXXX XXXX and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB
Product: Credit reporting or other personal consumer reports

Discover Bank Account # XXXX, I just recently viewed my credit report and noticed that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit report.
Product: Debt collection

Sequium is an LLC in Georgia that is essentially a credit pirate. Back in XXXX they showed up on my credit report as a delinquent account. Upon contacting them I found out that I owed {$1100.00} on my XXXX XXXX  account that was overdue. Sequium said that they had been contracted by XXXX XXXX XXXX to collect. The funny thing is that Ive never had an XXXX & T account. 

I contacted XXXX XXXX XXXX and according to the account representative I spoke with, they do not do business with Sequium. Ive contacted Sequium numeros times. You can not reach a manager of any type. Additionally, their representatives are clearly trained to say anything to get a payment out of you. One rep I spoke to said to me Look, whether or not this is your bill, for {$1100.00} I can get this delinquency off your credit report. 

Clearly Sequium is not only an illegitimate business, but an illegal business - willfully and knowingly breaking many state and federal lays
Product: Debt collection

XXXX customer since 1977 for business and home ... called for service to business account ... was told business sector had been sold..we do not do that anymore ... .cancelled service which we paid quarterly ... .approx 6 mos later XXXX collection agencies contacted us to collect for services. We refused to pay what we did not owe. The XXXX people are rude uncooperative and unprofessional ... ..read the internet reviews..this is almost like a predatory blackmail to keep your credit good.
Product: Credit reporting or other personal consumer reports

I went to the website service XXXX  and they said get free copy of report and this is all I get ; we are having technical difficulties. We appreciate your patience while we resolve this issue. I tried support chat, and they told me to call another number after I called the XXXX number first. XXXX to confirm more information??? They tell me they don't provide information to XXXX XXXX who in turn tells me on the main screen the XXXX credit providers are Transunion and XXXX who provide updates to my scores. The guy told me it's XXXX XXXX 's responsibility to update it, how? I am getting tired of getting the run around of calling these people and everyone just passes the blame to another, and no-one knows who does what. This is absolutely ridiculous to have someone like this in charge of your credit. Scary how a credit reporting agency doesn't even know that XXXX XXXX uses them as a reference as a reporting agency.
Product: Debt collection

Pendleton Capital Management called my sister, XXXX XXXX, on Friday after repeatedly calling her back to back. After about the firth call, she answered and a lady asked her was she my sister. Out of concern, she said yes. The debt collected said that she was trying to get in touch with me. She never asked for any contact information but started telling her that I owed a debt and that they were a XXXX company. She stated that they were in the process of taking legal civil actions against me and was taking me to court. The debt collector told her that I had put a stop payment on the account and that I need to call her at XXXX XXXX ext. XXXX. When my sister called me about what had been said on Friday, XX/XX/2019, I became very angry about this company divulging my person and financial information. 
On Monday, XX/XX/2019 I, XXXX XXXX, called the number that was given to my sister and spoke to the lady that talked to my sister. ( XXXX or XXXX ) I told her who I was and she stated that the call may be recorded. I told her that the call was being recorded on my end. She said that it was fine. First, I asked her did she divulge personal and private financial information about me to my sister? She denied some but began to become very defensive. She would not let me talk and we got into a heated discussion. I did not say anything inappropriate to her but she started to threaten me. She said that I was in violation of the Disability act, I told her that I was XXXX. She said that she knew that I had two vehicles and named them. She stated that she would tell the finance companies that I was in the habit of writing bad checks and that I stole money. Very little was said about the debt except I owed over a thousand dollars and that I refused to pay. I stated no such. I asked her to send me all the paper work that she had about the debt and she said she could not. She hung up on me and call me back 15 minutes later. She has been calling me since but I will not answer. Everything I have stated is backed up with a recording.
Product: Money transfer, virtual currency, or money service

Google Pay lost my balance. I was trying to transfer money out and now it's gone. 

I logged in to try to transfer money out. There's no way to do that apparent in the web app ( they probably moved it to the mobile app only, google loves doing XXXX like that to " nudge '' you into doing what they want. What's a forceful nudge called again? ). There is, however, an option to close the account. That flow obviously would lead to " you have a balance where shall we send the check '' Nope. It just dumped me on a support page. The help page says in order to transfer money out I have to reactivate the account and download the mobile app. 
Doing so just opens a new, empty account. Balance is currently missing. 

When contacted, their support refuses to acknowledge that funds are missing, refuses to acknowledge that something might have gone wrong, refuses to escalate ( I asked five times ). 

After five requests maybe a supervisor will get back to me. I requested confirmation that the case would shift to email but they couldn't or wouldn't provide that. They ( Google Pay ) shouldn't be allowed to operate a payment service. They're clearly not trustworthy enough to do good faith accounting. They clearly can not staff adequately to research or resolve problems. You kinda have to do that if you're taking deposits. 

I have zero confidence that they're operating in good faith. 
I have zero expectation that my balance will ever be recovered.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX # XXXX XXXX XXXX placed negative collections on my credit report around XX/XX/2018. Four accounts in total. {$830.00}, {$320.00}, {$570.00}, {$320.00} over a year ago XXXX XXXX XXXX, XXXX had also placed these four accounts on my credit report but these delinquent accounts are for a woman named XXXX XXXX, I am not XXXX and I have never been to shooting star rehabilitation services. They were removed from my credit history. But on XX/XX/XXXX XXXX XXXX XXXX XXXX placed all four collection on me again. My name is not XXXX XXXX. I started a dispute on XX/XX/2018 when I had noticed what XXXX XXXX XXXX had done. I sent proof of my identification to XXXX XXXX XXXX on XX/XX/2018 after speaking to XXXX XXXX XXXX over the phone. A manager at XXXX XXXX XXXX instructed me to email my ID to his email address and he would fix the problem. My first dispute closed and nothing was done and Harvard continued to collect the debt. I opened a new dispute on XX/XX/2018 and on XX/XX/2018 I filed an identification theft report with the federal trade commission. My dispute was finally resolved on XX/XX/2018. I am not even XXXX XXXX the bills were never mine and I have wasted countless hours and a lot of money on this problem. XXXX XXXX XXXX knew I was not the right person but they continued to try to collect money. This has put a tremendous strain on my family life
Product: Credit reporting

On XX/XX/2016, I received an updated credit report from Transunion about some public records that I disputed. I got the results back only to find out that XXXX things that I had disputed had been overlooked, they never reported any updated information about the remaining XXXX public records. I have called, written, faxed, and e disputed these items..I talked to a representative on XX/XX/2016 and she assured me that the items would be removed in 24/48hours..I called on XX/XX/2016 only to find out that the items had n't been removed but she opened a new dispute for the remaining public records..I am asking that the my request for the records be removed immediately.. The dockets numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and XXXX. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.