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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as XXXX  insurance that Carmax finance provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment XXXX years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer Credit has stated that the account information on my XXXX report is correct. However it should been removed as of XX/XX/2023. I have tried to resolve this matter with both Santander Consumer Credit and XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase.com on XXXX my account was hacked and ~ {$15000.00} dollars was withdrawn to an external bank account. This bank account was added by the hacker. This was not simply a stolen cryptocurrency transaction. The hackers converted all my crypto holdings to USD and withdrew them to their bank account. 

Coinbase support is non-existent. I have gone through their proper channels with filing a support claim only to get canned response emails telling me to secure my account and verify my identity ( i did ). Dozens and dozens of emails attempting to obtain more information about the hack have been fruitless. 

Coinbase has not responded to requests to send me the uncensored bank account information which my USD was withdrawn to. All records refer to this account as ( for example ) XXXX. 

My account has app based 2 factor authorization required to withdraw anything from my account. I believe coinbase has fundamental security flaws which led to this theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Debt collection

I have just entered escrow to sell my home and discovered that Citibank has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get Citibank to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

Citibank filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Checking or savings account

I have opened a money market account and a realtionship checking account with them and the promotion code is XXXX XXXX- Promotion, XX/XX/XXXX, XXXX {$300.00}. where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me. 

Go to the website, even now it is clear they still run this promo period to period. The requirement is exact the same. They just cheat with customer and tried to get our money, I am disappointed about commerce bank credit -- could not keep the word as they said on flyer. 
https : //www.commercebank.com/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX - {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested XXXX of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call XXXX XXXX XXXXXXXX credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for XXXX months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank you.
Product: Mortgage

My mortgage is currently serviced by Caliber Home Loans ( CHL ), who took over servicing for XXXX ( XXXX ) on XXXX. XXXX adjusted our escrow account without notification, causing our normal monthly payments to fall short when paid. CHL then proceeded to forcefully lock us out of our home without warning, which is a clear violation of RESPA law. They hired XXXX ( XXXX ) to take this action and advised them not allow re-entry into the property. Then CHL proceeded with foreclosure action and set a sale date of XXXX, ultimately postponing it to XXXX. CHL has recently allowed re-entry in to the property, but during the lock out period the was severely vandalized XXXX see attached. Since the vandalism took place during the lock out period, the liability falls on CHL. CHL refused to take action the repairs and clean up needed, ultimately forcing us to file a personal insurance claim. The vandalism reached extremes when my pool fence was removed, leaving my swimming pool unprotected. This ultimately led to a serious fine from the city. I have sent a QWR and XXXX Demand to CHL, requesting that they prove up the validity of the debt. CHL has refused to respond to this request, stating that they are proceeding with foreclosure activity. Caliber has refused to take any action to remedy the current problems. I feel cheated and deceived by CHL, therefore I am seeking your assistance on this matter.
Product: Checking or savings account

My personal accounts funds are on hold which is causing a financial hardship to me & my family. I am the only bread earner for my family of 6. I can not pay my rent & grocery with out these funds. I need help to release my funds immediately. I am ready to work with my bank on a payment plan. I will me homeless without these funds & have been paying a lot panalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I reached out to Experian, XXXX, and XXXX via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( XXXX, experian, XXXX ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), EXPERIAN BUSINESS CRED ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.
Product: Debt collection

my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Fed Loan Servicing a number of times explaining that my credit file should have been on deferment due to myself being disable, I was born disable and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you
Product: Debt collection

I tried to make arrangements with a the hospital to pay this debt and was told no I could not make payments then I was contacted by a third party debt collector to set up payments and then it was put on my credit as a debt. I have made arrangements for monthly payments?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am personally sending this request of re-investigation of my accounts. I have no connection to any credit monitoring companies nor any third party is involved in this process. 
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX XXXX Balance {$42000.00} XXXX XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$800.00}
Product: Debt collection

First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

Someone user my XXXX acct to send ( wire transfer ) funds to someone else in the amount of {$800.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX Soon as I noticed it I immediately contacted XXXX hoping they could stop the transfer from processing and i contacted Navy Federal to place a STOP on the transactions seeing how it hadn't gone through yet. On my end everything read ( pending ) ONLY. XXXX quickly said there wasn't anything they could do and to notify by bank institute. So therefore I called Navy Federal. Navy Federal told they couldn't do anything til after the payments posted ( smh ). So after the weekend was over, of course the payments posted. I immediately called Navy Federal that following Monday and was told it was nothing they could do. Once a XXXX payment goes through its considered to be out of their hands, again ( smh ). They said they consider XXXX to be like a face to face transaction. I don't know why they consider it to be that when in fact that's not what it is. Using XXXX should be called exactly what it is, A wire money transfer. Not a face to face. Ppl can hack your accts, your phones, your computers, freeze and take all your assets and you mean to tell me that the very ppl we're suppose to trust to protect our money just allow it to happen?! THATS RIDICULOUS!!! I didn't authorize anyone to take {$800.00} and XXXX it to anyone. I've even used the person XXXX phone number to reach out & contact them. I have proof of our messages going back and fourth with me asking for my money back. Whomever received it of course wouldn't give it back and kept thanking me for blessing them, again ( smh ). Now my acct is overdrawn by {$800.00}, Navy Federal is constantly calling me to see when I'll be settling my debt and informing me that I have until XX/XX/2023 to pay the balanced owed. I will not be paying anything. I refuse to be out of {$1600.00}. THESE BANKS SHOULD BE ASHAMED OF THEIRSELVES. Why work with a company or represent a company that allows your clients money to be stolen or scanned and not haveva plan in place?! That's crazy to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I received private student loans originated by Sallie Mae between XXXX and XXXX and later transfer to Navient. From that point, my private student loan balance from {$20000.00} something to {$120000.00} over 19 years. Due to misallocated payments, my balance has been within the range from {$120000.00} to {$130000.00} over 5 years. It is no way of determined how the calculations are done because they only show the balance and no history of the variable interest rate from XXXX to XXXX with the original loans from Sallie Mae before being transfer to Navient.

As of today, I requested documentation showing agreement for payment extended to XXXX. I have been paying on student private loans over 10 years and the balance has been the same. I am being charged interest daily, so I will never be able to pay down balance. In XX/XX/XXXX, I have documentation showing student private loans balance was {$26000.00} something XXXX. In XX/XX/XXXX, my balance is {$120000.00} something. With variable rates, this is the highest it has ever been ranging from XXXX XXXX percent. 

After requested documentation from Navient on the phone, the representative stated, I agreed to the extended payment plan to XXXX. I didn't agree to the extend payment plan to XXXX and I do not have any documentation agreeing to a extended payment plan. I am not on rate reduction plan. I am paying the amount based on the interest of loans. Recently, I paid extra on one of the loans and noticed the balance decreased and increased at the same time. I didn't signed a promissory note agreed to those terms and conditions of the loan. They have created their own terms and conditions. This is fraudulently and I need help with getting assistance with Navient cancelled these loans due to lack of no documentation. 

Currently, I am paying interest and principal of the loans and being charge interest daily for each loan. I am not in grace period, deferment, or forbearance.