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

My current ( Joint ) credit report shows an active mortgage of {$200000.00} with a bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is the same mortgage that we had them remove 4 years ago. They put it back on us, using my Wife ( XXXX XXXX XXXX SS # XXXX XXXX XXXX. ) I have spoke to them, they agree that it is not ours but have done ZERO to remove it. 
WE have never lived at the address shown ( XXXX XXXX XXXX XXXX MA, nor have we ever done anything with this bank. ( Except complain about this ) WE are currently applying at our XXXX XXXX XXXX XXXX XXXX for a HELOC. This is hold up everything When this happen 4 years ago, they sent our credit union a letter to acknowledge that this was an error on their behalf. Now they did it again! HELP. 
Respectfully '' XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested via email written statements for each account and a XXXX from an attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> which I never received and then my account was sent to collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint via CFPB ( I.D . # XXXX ) for verification of this collection XXXX XXXX XXXX. I was not given any proof that this collection was verified. I do not recognize the account.
Product: Money transfer, virtual currency, or money service

I was using XXXX XXXX XXXX to take payments for my XXXX XXXX at an event, and they have been holding the money from my in my frozen account for XXXX, and when I told them what my business was, they kept going around in circles and would not resolve the issue. 
The account is held under my work email address : XXXX XXXX
Product: Credit card

XXXX XXXX I sent to all XXXX bureaus FTC affidavits and notarized form of identity theft, and the bureaus in response sent letters and the information along to all the questionable things on my report. Contrary to the law, capital one has instead of blocking their reports, went ahead and now sold the information to a credit collections agency when it is illegal to sell information reported as fraudulent particularly when an investigation is pending. I want this information properly blocked and removed from my reports.
Product: Checking or savings account

So Cash app Closed my account for being in " violation of terms of services '' for being suspected of " Gambling '' ... Witch in Most cases wouldn't be such a big deal because in their own terms of services it states that even if you are found to be In violation or Whatever it may be that they will still let you withdraw your remaining balance in the account and Then you can Go your separate ways but In my case My account information was changed somehow and I didn't authorize the switch and it was the email and phone number associated with the account and the password which were all The same Since I created the account when i first made it and I've asked them to please reset the Password and email back to the very original set that I made the account with I have offered my ID my ssc and Whatever else necessary even told them roughly how much should be in the account and Done the steps necessary to Prove my ID and Have already put it into two separate appeals to maybe get full access restored to the account witch has lead me to a dead end each time And I have called the customer service number so many times I can't count anymore and Have had 1 manager agree with me and admit its XXXX that they haven't helped me yet and it seemed like it was going to be promising to no avail... So I am absolutely at my whits end and need legal help to Retrieve my funds from my account
Product: Mortgage

I am questioning my ARM adjustment index. 

I spoke to two different individuals from Chase today, including a supervisor and they were not able to explain or provide any resolution. 

I was not communicated with very much in advance of this change.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXXXXXX 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Dot XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 15 U.S.C 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, credit repair services, or other personal consumer reports

To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXXXXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is Destiny Mastercard. Im requesting for Destiny Mastercard to be removed as well for reporting illegally according to the IRS.
Product: Mortgage

The add is deceptive in that it doesn't give all of the information that the consumer would need to make an informed decision.
Product: Vehicle loan or lease

This is my second complaint with the CFPB ( see XXXX ). In the initial complaint Carmax Auto Finance sent a payment to accommodate 1 of 3 hardships dealing with the vehicle/loan that occurred in their system. Since opening the original dispute in XX/XX/2020 they have sold the vehicle after CHARGE OFF and are reporting a balance of {$10000.00} on my credit report. First let me state I absolutely did not wish to voluntarily set up the vehicle for pick up. At that time my husband of my XXXX children suddenly passed away and I made an economical decision based on the last six months of issues and the pandemic. At the time Carmax received the vehicle their still was no title or tags due to their system inadvertently taking the tags out of my name for the 3rd time in six months which means there were no tags for well over days. I replaced the brakes and raised a complaint about the lights in the first two weeks at Carmax Auto shop. In addition to that the lights did not work on the vehicle but the first 15 days which is required by law and I attempted to fix this issue twice with Carmax in XXXX and XX/XX/2020 at their repair shop in XXXX and once I returned from the shop the entire electrical system went down on the car and I was informed the alternator had to be replaced in XX/XX/2020 ( one month after purchased ) I replaced that and the battery with XXXX XXXX and complained to Carmax with nothing done. The vehicle remained in the shop ongoing for the entire duration of the vehicle. I continued making payments and repairs all while constantly having the car taken from me by Maryland police due to the car showing up as not registered 3 times enduring much more than the amount of {$1300.00} they sent, I missed work when my car was taking multiple times and pay many fees to retrieve the vehicle.
Product: Mortgage

I am required to pay a loan amount that I was unaware of. The amount is XXXX I have requested a loan modification from Select Profilo Servicing.

I
Product: Credit card

XXXX switch to a new company to pay your balance. I had issues logging in called them and they claimed they fix it so I could pay via online. I havent received a bill but maybe once and the change happened months ago. So unable to log in I cant pay and they sent me a random text message that had me logged in but the payment was denied so I figured i would wait until next month pay that whole balance told XXXX that during a chat online. The new bank called Comenity Bank has been calling nonstop at least 5 times a day for XXXX dollars they will get next month if its more XXXX pay more. Why do these companies think XXXX harassed my customers calling from different numbers is ok its not its just makes my anxiety and XXXX as a XXXX veteran so much worst
Product: Credit reporting or other personal consumer reports

This company has two social security numbers attached to me. I was told they will not delete them due to it as being attached to an account. over 10 addresses, 4 different names attached to me. This Company is already aware of unauthorized charges from XXXX techs I.e. signing me up for credit monitoring but I didnt authorize the charge. This company is aware of multiple fraud alerts I had present and past.
Product: Student loan

A forbearance was granted to me on XX/XX/20 due to COVID-19 that was lasting through XX/XX/20. This forbearance allowed me to withhold my payments up until that time. In XX/XX/2020, I received a notification that my credit score decreased substantially due to having a late payment report listed for my student loans. This has impacted me greatly in an endeavor I am currently undertaking that is determined by my credit score. Please help me correct this and also let me know if there are any steps that can be taken for the impact this has had on me ( i.e. compensation ).
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe that these transactions were unfair and request an investigation into my account transactions
Product: Debt collection

PENN Credit Corporation has been trying to collect a XXXX & XXXX debt from me in the amount of {$340.00}. The debt is not only mine, but I did not live in the residence associated with the account during the time they are stating. I have disputed the charge, contacted the company to dispute the charge, asked for a validation of debt letter and also informed the company, along with the credit bureaus, that I am a victim of identity theft. I've had my credit report frozen and still have gotten no resolve. I've been verbally abused by representatives at PENN Credit Corporation and haven't received any written statements that validate the debt is mine. This is one of few battles I am fighting, and while other companies are being understanding, PENN has been nothing but rude. I even contacted XXXX & XXXX and spoke to a representative who admitted that they wrongly charge their customers for periods of time not living in the residence of an associated account. If that information doesn't get this removed from my credit report, I don't know what else will. I've done all the right things here and have taken appropriate action, so I'd greatly appreciate this false debt taken off my credit report immediately, so all parties can move on. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested to withdraw {$500.00} from my BinanceUS account, they charge {$15.00} for the transfer so the total I should receive was {$480.00}. On XX/XX/2021 I received the confirmation email that the withdrawal was a success that the funds should be in my account in 3-7 days. After the 7 days I dint received the money in my bank account and nothing yet, since that date I been trying to get in contact with them and nothing. I opened a couple of tickets with the support team and no answers.
Product: Vehicle loan or lease

The companies listed below did a bait and switch on me and my sister. My sister was shopping for a car, XXXX XXXX XXXX ( XXXX ) she test drove it and decided not to purchase because the price was too high and it had high mileage. I was only supposed to be the co-applicant for this car. I was trying to help her get a car. I live in a different state from her. I received an email from Ally Bank, that I was the applicant for a XXXX XXXX XXXX, and my sister was the co-applicant. The dealership is XXXX XXXX in XXXX, Ohio. The salesman was XXXX, this was his doing and the Sales Manager, XXXX XXXX at XXXX XXXX. I never signed anything, no money was ever exchanged. I told XXXX on the phone I was the co-signer. My sister test drove a XXXX XXXX XXXX. Where did a XXXX XXXX XXXX come from? I would like all of the following inquiries erased off of my credit report : Ally Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I am so upset about this bait and switch tactic. I am also upset that this is on my credit report. Please let me know if there is anything else I need to do in regard to this matter. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach and request the immediate deletion and blocking of the following accounts and inquiries from my credit report. 
These accounts and inquiries are a result of fraudulent activity, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$55.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2000.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$720.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX ACCE - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX CO - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 1 negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

A payment on XX/XX/year> was sent to a XXXXXXXX XXXX XXXXwas sent XXXX XXXX XXXX XXXX XXXX XXXX in fault
Product: Mortgage

In XX/XX/2022 I lost my job due to COVID and was out of work of 9 months, Freedom Mortgage put us on a forbearance with the parameters of at the end we had several options, restructure the loan adding in the forbearance amount, add it on the back end of the load, make payments on the forbearance amount or repay it. When the forbearance was over they claimed they could not honor any of those options only repayment was and option for the full amount, how is this even possible when you have not worked for 9 months at no fault of your own. I have been trying to pay them money and get the loan caught up but they continue to send the money back and trying to foreclose, HELP We are begin forced to sell our home because of the pending foreclosure. 
We need help we feel they did this on purpose and trying for force a veteran and his family out of their home because we had a nice low mortgage rate and they didnt want to honor the promises and help us out, only threating and pressue
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell for multiple multilayered well orchestrated scams. I had accumulated a significant amount of money and at that time I was approached by XXXX XXXX XXXX, operating under the domain https : //innovationbullcapital.com/root/index.html, with purposes of defrauding their customers of their hard earned funds. I had started off the process with a small deposit, but after much manipulation and bullying I saw no other choice than to inject more funds into the fraudulent platform. As it went on, the more evident it had become. I had stated my wishes to withdraw my funds and they did not XXXX me permission to do so. Instead I had to pay numerous amounts of tax and release fees to get that money out. They never released it. On top of that, I had turned to a company with a specialty in these kinds of matters and was defrauded again. The XXXX company in question is XXXX Scam XXXX, followed by CryptorFX afterwards. It amazes me that my bank, which has input on all of my daily habits and spendings was none the wiser while this entire ordeal occurred. For your failure to protect me I am requesting that all of my XXXX USD deposited to multiple fraudulent individuals be reimbursed to me by Wells Fargo for their negligence and for a lack of a better word blatant misadministration.