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

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify  accurate information these accounts must be removed in accordance to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed in the past three months, since XX/XX/XXXX, when I filed a joint action against Equifax for their data breach of XXXX, my credit score has dropped 100+ points. I am requesting a full investigation why Equifax is reporting a credit score of XXXX. Meanwhile, as of XX/XX/XXXX, XXXX is reporting a credit score of XXXX & XXXX is reporting a credit score of XXXX. I have contacted Equifax on several occasions & their representatives have basically no valid answers. This is hurting my credit profile & I demand to know why?
Product: Payday loan, title loan, personal loan, or advance loan

MaxLend makes 200 % in borrowing {$400.00}. This company and all others like them need to be shut down and held liable. You need to make sure they NEVER take advantage of any other person needing help. This is highly unacceptable and unfair banking. 

They took advantage of me as I fell on hard times and paid them back. Please shut disgusting practices like this down NOW.
Product: Mortgage

Mortgage is Mr. Cooper reference loan # XXXX. XXXX has been paid off as the property was sold XX/XX/2024. Property address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

I submitted an inquiry with my local XXXX XXXX at XXXX XXXX XXXX trying to locate a payment made by the mortgage company for property taxes on XXXX XXXX 

There were XXXX reimbursements made to me due to XXXX exemption. Since I knew, the escrow was going to go on negative, I made the payment due on XX/XX/2024 to the county ( see attachment named XXXX XXXX XXXX payments ). 

The county explained they have only received XXXX payment, with my name on it. They are asked for evidence that the mortgage company sent a payment of {$1900.00} as noted on the XX/XX/2024 statement. They did an inquiry and there are no duplicate payments received ( see attached email from XXXX XXXX tax office ). 

In short, I believe the payment must have been returned since my payment arrived first. 

Mr. Cooper does not offer a phone number for customer service support, they have chat option that really doesn't work and you have no way of validating information. I have emailed them like 3 times to the XXXX XXXX XXXX that manages their escrow accounts. In late XX/XX/2024 I used the chat option and the rep on the other side said that the payment was returned from the county and that I should see the reimbursement soon which has not happened. Yet they have not produced a copy of the payment sent to the county for the property taxes. 

I used the message option with them asking for help one more time to no avail. Reason why I'm submitting a complaint. 

While XXXXhe county maintains only one payment was received, recently the XXXX XXXX XXXX XXXX XXXX pleaded guilty for stealing tax payment money. See the link below. 

https : XXXX I wanted the mortgage company to produce evidence of the payment as they list on the XX/XX/2024 statement to make sure my case is like XXXX of those listed with the XXXX XXXX XXXX indictment.
Product: Student loan

XX/XX/2023 Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX Approval of Your Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement I received approval for my Borrower Defense Application 8 months ago. I have spoken with Aidvantage at least XXXX times since then to determine when they would be following through on clearing my debt and refunding any remaining money. Two months ago I was told it would be XXXX calendar days. I am now being charged interest for a loan that should be on hold based on Sweet vs. Cordona. I cant even get through by phone, chat or email now.
Product: Credit card or prepaid card

XXXX ( platinum visa card ) basically says that they will charge higher APR on the balances for one month even though the customer is willing to pay it off the day after the promotion ended - which is not the case with other credit card companies. 

This either seems to be clever use of verbiage or deception of customers. 

I have 2 balance transfer offers at 2.99 % until balance is paid off and 2 balance transfer offers at 2.99 % ending with XX/XX/XXXX statement. 

I paid off the amount for the balances on XX/XX/XXXX and XX/XX/XXXX ( 2 payments ) after I got XX/XX/XXXX statement on XX/XX/XXXX -- expecting the 2 balances will be incurring higher APR starting XX/XX/XXXX. 

I see the payments I made were applied to older balances ( 2.99 % until balance is paid off ) as seen in XX/XX/XXXX statement. 

On calling customer service - and taking to the supervisor - I am told that there is a delay of one month for the system to update the APR and hence it applied to older balances -- - basically I had to pay one month APR charges extra to pay off the balances that I intended to pay - which I is not correct/right ; and I have to keep paying higher APR interest on remaining balance. 

If you say the promo ends by XX/XX/XXXX statement ; then allow the customers to pay the remaining balances right away instead of using unclear and deceptive practices to siphon off money.
Product: Debt collection

XXXX is a CORPORATION and a corroding to 15 U.S. Code 1692c - Communication in connection with debt collection It is against the Law for a CORPORATION TO CONTACT A CONSUMER. XXXX emails at all kinds of disrespectful hours of the night or morning, ESPECIALLY after I file a report such as one from CFPB, and now TRANSUNION has joined their party, Ive requested for the unlawful activities to be ceased and desist but instead I get flooded with letters informing of a monthly payment in order for them to stop I would need to pay them monthly. This is XXXX at its finest and it feels like CFPB is working with these XXXX XXXX, XXXX, XXXX, that call themselves a CORPORATION, XXXX XXXX TRANSUNION continue to break several codes, laws, and statuettes on an hourly basis and gets no repercussions for their ILLEGAL behavior. Multiple complaints of violating USC/UCC I demand monetary relief by 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] - ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

I opened a Marcus by Goldman Sachs online savings account around 6 months ago and i have been depositing money into it until now. Today i tried to withdraw the {$10000.00} i had in that account back to my Checking account because I need to pay off my Auto loan. Marcus told me they cant verify my number and then that they need to start some investigation that will last 3-7 business days. There is nothing to investigate. My number hasnt changed, it has always stayed the same and it has always worked for the verification text messages. I called another 2 times and kept getting transfer over and someone kept promising to call me back which they never did. Horrible experience and extremely frustrating because all i want is to have access to my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete the following inaccurate phone numbers : XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i mailed a letter stating that these agency are in violation of code 15 usc 1681 - permissible purpose 15 usc 1681 i- procedure in case of dispute accuracy I did not give these companies written instructions to furnish these late payment on my consumer report.

Subject to section 1681 S-3 of this title states ( i ) reports containing information solely as to transaction or experience between the consumer an the company making the report. 

Its been over 45 days an still have not got a response back.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These inquiries being reported on my credit report are not authorized by me!
Product: Money transfer, virtual currency, or money service

I withdrew XXXX from Coinbase at XXXX on XXXX XXXX 2017. It is now XXXX on XXXX XXXX 2017. The funds have still not been transferred to my bank account. The transaction shows as pending on their system. Coinbase have failed to respond to my requests for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX   2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited {$830.00} into my wells Fargo checking account debit card and the atm had a jam. Wells Fargo credited XXXX XXXX  into my account as a placeholder. They still have not given me back the remaining of my money. Called them two times and attempted to resolve the matter the first time they told me that I would have all of my funds back in 2 business days. The second time I called they told me to file a claim and I would hear back in XXXX business days. Wells Fargo will not give me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments by XXXX XXXX on my credit report for the months of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I believe the reporting of these late payments violates federal laws, including provisions under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these entries for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to apply payments in a timely manner as long as they are received by the due date and meet the creditors reasonable payment requirements. Any deviation from this standard constitutes a violation of the law. I believe these reported late payments were either inaccurately recorded or improperly processed, as no evidence has been provided that justifies this reporting.

2. No Requirement to Report Transactions There is no federal law mandating that creditors report transactions, including late payments, to credit reporting agencies. XXXX XXXX  decision to report these late payments is discretionary, and I have not provided consent for my payment history to be shared with third parties. By reporting this information, XXXX XXXX has violated my privacy rights. 

3. Violation of Privacy and Lack of Consent Under the FCRA, reporting of personal financial information must be accurate, fair, and transparent. In this case, XXXX XXXX has reported my payment history without obtaining explicit consent to share this data with credit bureaus. This constitutes a violation of my privacy rights. I did not authorize XXXX XXXX to share this information, and I demand that it be removed from my credit report.
Product: Debt collection

My husband has a loan out with Mariner Finance at the XXXX, Florida branch. We are behind on this account because he was out of work for 11 weeks due to medical problems, which they are aware of. We are working on getting all of our affairs back in order but it is a long process. My name is no where on the loan with him i am only down as a reference for him with my cell phone number listed as my contact information, however XXXX XXXX, an employee there has been told at the minimum of five times not to call my place of employment. They have continued to call my place of employment after my boss, several other employees, and i myself have told them not to call my place of employment. I called them back today XXXX/XXXX/2016 to speak to the manager XXXX XXXX about the situation of them calling repeatedly after being asked not to, she said that it was never notated in the account and was VERY rude to me about the situation when the loan does n't even belong to me, I am only a reference on the account. This is not good collection practices and certaintly needs to be addressed!. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my wifes two Citi credit cards, and I was removed as an authorized user in XXXX and was told it would be removed from my credit report when the next statement closed. It was not, so we placed another call to Citi who advised a dispute should be open with the credit report agencies. Submitted dispute, and Citi certified to XXXX  the information reported was correct. Confirmed with Citi that I am no longer an authorized user. Citi advised I would have to write their dispute department and provide the full account numbers which I do not have to write this letter as Citi would not provide this information.
Product: Checking or savings account

US BANK IS REFUSING TO PROCESS DISPUTES ON MY ACCOUNT WHEN I CALL IN I AM ROUTED TO SEVERAL DIFFERENT DEPARTMENTS AND GIVEN THE RUN AROUND
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on Equifax. I have called numerous of times Equifax starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and Equifax is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, Equifax, and XXXX regarding fraudulent activity related to an auto loan taken out in my name without my consent or knowledge. 

I discovered that my identity had been stolen by my son, who fraudulently acquired an auto loan in my name without my authorization. I have never visited a XXXX dealership nor have I ever consented to or signed any documents related to an auto loan with XXXX XXXX XXXX. Furthermore, I have never provided permission for anyone, including my son, to use my personal information for the purpose of obtaining a loan. 

Despite these facts, XXXX XXXX XXXX has initiated a loan account in my name without obtaining my wet ink signature or any form of contractual agreement. I have never entered into any agreement with XXXX XXXX XXXX, and I have not benefited from nor have any association with the auto loan in question. This loan was acquired through deceptive and fraudulent means, and I demand that XXXX XXXX XXXX provide evidence of any legitimate contract or agreement with me. 

Additionally, I hold XXXX, Equifax, and XXXX responsible for their negligence in verifying and authenticating the legitimacy of this loan. As consumer reporting agencies, they have a duty under federal law ( 15 USC 1681o and 15 USC 1681n ) to ensure the accuracy and integrity of the information they report. However, they failed to verify this loan with me before including it in my credit history. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against XXXX XXXX XXXX and the credit reporting agencies involved. Specifically, I demand that : The auto loan account in question be removed from all credit history maintained by XXXX, Equifax, and XXXX in accordance with 15 USC 1681c-2 and FCRA 605B. 
XXXX XXXX XXXX provide evidence of any legitimate contractual agreement with me or remove the fraudulent loan account from their records. 
I reserve the right to pursue legal action, including arbitration or lawsuit, to seek punitive damages for the harm caused by the inclusion of this fraudulent account on my credit report. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the injustice done to me. Thank you for your attention to this urgent matter.