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

I have sent them several letters stating that my information was reported to the bureaus and under federal laws they didn't have written permission to use my personal information on the reports. They were handwritten letters and i received a letter back stating that it wasn't from me and was from a firm that fixes credit, which wasn't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have asked XXXX, Equifax and XXXX for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX Equifax and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX with absolutely no response. 
so my question is if I cant get propper validation from XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to AAS Debt recovery Inc for debt validation. I requested the following information from this debt collector .Name and Address of Alleged Creditor, Alleged Debtor, Alleged account number, date the alleged debt became payable, amount of alleged debt, date of original charge or delinquency and contract of debt. This collection agency has not sent me anything to validate this debt. I am demanding this account be removed from my credit report as it is damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and the Creditors ( Carmax Auto Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Product: Checking or savings account

Identify was stolen and accounts were apparently opened that I did not open XXXXXXXX XXXX  XXXX suspected fraud XXXX XXXX  overdrafts of {$1900.00} reported XXXX XXXX XXXX  reported account abuse with charge off of {$8.00} Also a bunch of inquiries to banks I did not apply too XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On about XX/XX/XXXX - I received a Chapter 7 bankruptcy discharged. My primary home on XXXX, CA. XXXX mortgage at the time was Bank Of America and it was included in the discharge. 
On about XX/XX/XXXX, Bank Of America granted me a loan balance forgiveness. ( most of this was late charges and penalties as well other unexplained fees ). The loan was also modified. 
On about XX/XX/XXXX - we received a XXXX form XXXX ( Cancelation of Debt ) in the amount of {$100000.00} - debt discharged. This form was incorrect. Bank of America indicated that we are personally liable for this, under box 5. Box 6 had the wrong coding, F ( F = agreement ) instead of A ( A = bankruptcy ). Under US Bankruptcy code, we are not liable for the debt. 
I tried contacting Bank of America for several months in regards with no resolution. The mortgage was included in the Bankruptcy BEFORE it was modified. Because of this wrong coding and refusal to update - State of California tax us on it nearly {$10000.00} On about XX/XX/XXXX - Bank Of America sold the loan to XXXX. I am requesting an investigation in regards to this matter with an updated corrected form of box 5 as unchecked and Box 6 coded as A. I have uploaded the loan modification document as well as the XXXX form for your review. 
Respectfully Yours
Product: Mortgage

I submitted a mortgage application on XX/XX/year>2024. I disclosed all required information about myself and my financial obligations. 
On XX/XX/XXXX, XXXX business days prior to the closing date, the underwriter requested additional documents that I was unwilling to provide. 
I had given XXXX XXXX in earnest money and the deadline to cancel the transaction had past.

The deadline to receive a full refund of the earnest money was XX/XX/XXXX. 
The underwriter requested the documents XX/XX/XXXX. 

The underwriter had a copy of the contract with the deadlines. The mortgage processor shared with me that she had repeatedly-more than 10 times-asked the underwriter to please respond with what was needed. The underwriter refused-in writing-to provide the requirements in a timely fashion which would've allowed me to cancel the contract and receive my earnest money.

So now I can not get my XXXX XXXX in earnest money back because the underwriter intentionally was slow/non-responsive.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I recieved a complete transaction of {$5000.00} from a XXXX bank to my COINBASE account, do note that this money is meant for my XXXX  daughters hospital bills, I immediately noticed that another person was accessing my COINBASE account so I tried to change my email but It didnt work, I noticed someone has changed my COINBASE emails password and all form of recovery so I immediately contacted COINBASE and asked them to have the account Locked which they said they did, they also assured me that my money was safe inside and no one can access it since the account is already locked, I kept calling from day to day trying to make them understand that the money is for hospital bills, they asked me to open a new account with a new email and they will have my funds transferred, I opened the new COINBASE account and completed the verification process, I called them for 1week to have my funds transferred then they put me through another rigorous verification which included a Life selfie photo with the front/back of my ID and they asked me to hold a paper with the exact date that wrote For COINBASE verification I did all these even tho it was so stressful, they kept rejecting and rejecting saying the ID is blurry or giving one excuse or another, I managed to take the exact picture and sent two just to satisfy them, after the verification they didnt message me again for long and I kept calling their team until I got a message yesterday saying all my funds has been transferred, I logged into my account and saw {$10.00} deposit from coinbase, I emailed them and told them that my money is {$5000.00} and shouldnt be {$300.00} less even if bitcoin fluctuates, they didnt reply me, I kept calling and their team kept telling me they will get back to me only to keep sending me automated messages, Im so fustrated right now and my daughters life is at risk
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX Balance : {$520.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$5500.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Checking or savings account

On XX/XX/2023 I used my bill pay option to pay my credit card payment and today XX/XX/2023 the payment still have not reached my credit card company. The financial company ( Chime or XXXX XXXX  ) states the payment is has been processed, however they will not give me any paper work stating it was paid. I received a late fee from my credit card company XXXX which they said the payment never reached them. I have called Chime support 5 times and I have emailed the support team over 5 times. They are giving me the run around and this is just not fair at all. I need something or be done about this matter. I had to pay my debit {$80.00} yesterday just to get my credit back in good standing. In the mean time my bill check for {$150.00} never reached XXXX. I dont know what else to do in this matter.
Product: Money transfer, virtual currency, or money service

After XXXX days of contacting customer service, I was told to place a ticket to request a refund. You have charged my account twice for my monthly fees. 
On XXXX, I was promised a {$240.00} refund for a XXXX XXXXXXXX annual charge. I received the refund in the form of an " account credit '' ( also XXXX, since you took it out as cash and by law it should have been refunded to my account ). 
On XXXX you deducted my monthly fees from the credit leaving me with a credit of {$170.00} ( I am assuming to be used next month and the following until the credit is exhausted. ) We are closed for the season so the credit will take a while to exhaust. 
On XXXX you ALSO charged my bank account {$75.00} Transaction id : XXXX XXXX XXXX : DEPOSIT ID : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached. 
I need you to either refund the {$240.00} back to my account as promised and the legal way to do it. Since you have already charged my XXXX fees to my bank, we would be square at this point OR refund the {$75.00} back to my account and we will do this all over again on the first of next month when you double charge me again using the credit and a bank with drawl. 
You will find the credit balance on my statement under the fees section. 
You will find the {$240.00} charge under my previous statement and the credit to my account on XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Credit Reporting Agencies XXXX, XXXX, Equifax for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies XXXX XXXX XXXX, and Equifax for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting XXXX XXXX XXXX, Equifax continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting XXXX, XXXX, and Equifax is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting XXXX, XXXX, and Equifax have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting XXXX, XXXX, and Equifax cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Navy federal stole my funds, and tried to blame me for a company error. My credit card, was funded by my money and not the banks money. Also, taking out my funds without my permission, and denied me acesss to my account, and also knowing that there isn't a branch nearby, they told me whatever they felt like, even it wasn't a fact. My checking account balances are all XXXX, and they left {$1.00}, in my savings account just to keep it open. I had XXXX in XXXX of my checking accounts at the time covid hit us all. This credit union, did what all banks seem to do, and that's legally steal people money, and get away with it. This is a crime, and I would like someone be held accountable for those malicious business practices.
Product: Credit reporting or other personal consumer reports

My personal information is a was linked in a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  accounts XXXX XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In XX/XX/XXXX, my employer XXXX international was hacked and I was notified as someone whose personal information XXXX have been exposed. Around XX/XX/XXXX, I started receiving roughly a dozen letter from various businesses, credit agencies, etc regarding over {$20000.00} in debt I owed. I have since submitted my identity theft notes to TransUnion and they have removed all but one fraudulent account on my credit report. It belongs to XXXX in Texas, a place I have never even been to and was created at the exact same time as all the other fraudulent accounts. They keep denying my request to have it removed and wont tell me I can do anything further than to continue disputing the credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :   1.  XXXX    XXXX   XXXX  2.  XXXX    XXXX   XXXX  3. XXXX   XXXX   XXXX  4. XXXX   XXXX   XXXX   5   XXXX   XXXX   XXXX   XXXX   XXXX .
6.  XXXX    XXXX   XXXX   XXXX  7. XXXX   XXXX   XXXX   XXXX
Product: Consumer Loan

Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt. 
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander. 
2. Investigate my complaint and notify me to confirm that interest only loans are legal. 
3. Provide me with my options to dispute Santander 's practice in my case. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}.
Product: Student loan

On XX/XX/XXXX, I submitted to have my IBR recalculated, as it was recalculated incorrectly during my annual re-certification. I wrote a letter explaining my circumstances and specifically requested that they recalculate my IBR payments. 

I received a letter on XX/XX/XXXX, stating that my payments had been recalculated, but the amount was still incorrect. 

On XX/XX/XXXX, I received notice that my plan had been switched from IBR to a Standard Repayment plan, and that to start it, I had to make a payment under the new plan. The following day I received notice that a forbearance request had been processed. 

I called to find out what happened, and told them I did not want a forbearance, as I'd not asked for one. It turned out that there was a box I'd checked on the form I turned in on XX/XX/XXXX, where I had mistakenly checked the box for forbearance, and then crossed out the entire line because it was a mistake. Even though I had written a letter to accompany the form, which clearly stated I wanted to have my IBR re-certified. I downloaded those documents this evening, from my XXXX account, and have attached them to this complaint. 

I began the process of completing new IBR paperwork on XX/XX/XXXX. I believe this is when I reached out with my first complaint to CFPB, and the issue was remedied. 

The problem now is that as a result of XXXX incorrectly putting my loans into forbearance, my interest rates were capitalized. I have a problem with this, as I did not request a forbearance, and immediately called to correct it. I believe that my interest rates being capitalized was a mistake that was the fault of XXXX, and I would like to have this rectified.
Product: Bank account or service

On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse.
Product: Debt collection

LVNV FUNDING is alleging I owe them several thousands of dollar for debt accounts that are not accurate Account # XXXX Account # XXXX Account # XXXX Account # XXXX none of these accounts have been validated or verified as belonging to me because there is contractual agreement between them or I and I did it receive my rights to dispute this information prior to adding this information to my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following credit inquiries from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these inquiries removed to protect my credit. 
The unauthorized inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have been receiving phone calls from a collection company Number ( XXXX XXXX XXXX They said they are representing a company name XXXX XXXX. I contested the debt and demanded verification. They did not provide any instead gave me another telephone number. I called the number they gave me XXXX XXXX XXXX they did not provide verification they did not identify themselves they wanted me to provide them with my personal information. 

I have never done business with such company. I do not owe any money to this company and they keep calling me in a regular basis requesting payment without verification.
Product: Bank account or service

I have a checking account with Citi and the bank has a feature called Checking Plus which is activated when my account went into overdraft. Once the overdraft happened, Citi essentially creates a loan with the overdraft amount. However, unlike other banks where a subsequent deposit would go towards the overdraft, Citi does not used the deposit to repay the overdraft line of credit. Instead, it starts charging double digit interests on the overdraft amount and just takes the monthly minimum payment from my regular checking account. I just discovered this when I looked at my banking statement more closely. Basically, even though I have more than enough in deposits to cover the overdraft, Citi has been charging me double digit interest rates on the so-called loan. I did n't even know when the overdraft had occurred and it seems like it 's been more than 1.5 years ( since that 's how far their online system goes ) and I 've been paying close to 20 % APR on this so called convenience that they provide for their bank customers. 

I do n't think this is a consumer friendly practice and this product is almost purposefully designed to get consumers to pay way more for the little convenience that they had offered for covering for the overdraft. I have never seen this practice at other banks and I think this is predatory behavior on the bank 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

medical payment data # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( SHOULD NEVER BEEN ON MY CREDIT REPORT-DONT HAVE AN ACCOUNT WITH THEM ), XXXX XXXX # XXXX, XXXX ENTER # XXXX. 

***ALL THESE ACCOUNTS HAVE BEEN PAID OFF, BUT YET STILL SHOWING UP ON MY CREDIT REPORT!