23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the XXXX federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of the following collection accounts that appear on my credit report. These accounts do not belong to me and must be verified or removed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines.

The accounts in question are as follows : XXXX XXXX XXXX : {$2500.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$3700.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$7100.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX : {$1000.00} ( Reported : XXXX XXXX, 2024 )
Product: Checking or savings account

I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A  fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxxxxxxxx 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

Company sent dunning letter. 
I sent a validation letter asking for debt validation which is my right under FDCPA Company sent a letter NOT providing information I requested and ignored validating the debt. 
I sent a 2nd validation letter indicating they did NOT provided me with what I asked for, therefore, they are unable to validate this debt. I would like for this account to be removed for it is damaging my credit. 
XX/XX/XXXX and XX/XX/XXXXare reporting this debt which is a FCRA violation because they are reporting information that can not be verified.
Product: Debt collection

My name is XXXX XXXX I didnt open this account this account was open in my name fraudulent without my permission so please closed this account out and waive the balance to {$0.00} etc. 

Account number XXXX Reference XXXX
Product: Checking or savings account

On XX/XX/year>2024 I receive multiple charges at least 8, all in different increments from cash app that were unauthorized causing my accounts to freeze. I then had to contact the bank and set up all new accounts which took time out of my work schedule and I also paid for XXXX to monitor my accounts.
Product: Credit reporting or other personal consumer reports

Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX. During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Product: Vehicle loan or lease

Ford Credit XXXX XXXX XXXX, XXXX, XXXX XXXX ATTN : DISPUTE /CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX : XXXX, was denied an extension of credit by Ford Credit. On, XX/XX/XXXX, I applied for financing secured by the property ( XXXX FORD XXXX ) to be purchased from XXXX Ford , Inc. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( c ) and you assume civil liability pursuant 15 U.S. Code 1691 ( k ). Ford Credit has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ford Credit should resort to reasonable procedures to rectify this affair and compensate me for the use of my Social Security Number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting or other personal consumer reports

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 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
Product: Credit card or prepaid card

XXXX I opened a auto loan with schools first Federal credit Union and paid that auto loan in XXXX I went outside United States and in XXXX probably after the XXXX data breach for which I have a fraud alert on credit report I was told that a school 's first Federal credit Union credit card has been open in your name with the entire credit limit taken out as cash advance I was very skeptical that after 4 years a fraudulent card opened and how come the entire credit limit was drawn as cash I contacted schools first which conveniently denied and said if you don't make a payment we are going to put 30 day past you on your credit report so in order to save my credit report I started making a payment but on the other hand I started disputing them also schools first played delaying tactics and constantly told me that you need to make a payment finally I decided to quit payment as it was going nowhere I contacted XXXX XXXX XXXX who is the top guy in schools first he investigated and told me that the card was sent to their creating services which probably send it to some Branch we don't know which branch went but we do know that somebody took out cash advance from that card the whole entire limit I told them that see it is very evident that the card was never mailed to my address I never received the card I was not even in the United States the card was sent to nowhere and was used by someone school 's first is still keeping me whole stage against my credit report please help me to remove this card listing from my credit report as it is fraudulent I'm attaching the identity theft report and XXXX XXXX XXXXXXXX XXXX email as an evidence
Product: Mortgage

Lakeview Loan Servicing has robo called me multiple times, sometimes at night and on the weekends. I have tried numerous times to contact them, but have yet to be successful. Lakeview Loan Servicing is also showing a payment has not been made even though it was processed weeks ago. Again, tried to contact them, but have been unable to speak with anyone.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida, XXXX My telephone number is : XXXX My profession is : A XXXX XXXX XXXXXXXX with XXXX XXXX Salary is {$200000.00} per year. 
Kindly update my demographics with the correct information please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of XX/XX/2020, XX/XX/2020 and XX/XX/2020 I submitted a credit dispute to XXXX, Experian, and XXXX  detailing the false and inaccurate reporting by XXXX XXXX XXXX across all three of my credit bureaus. 

Experian refused to open the investigation request. XXXX  and XXXX   did not resolve the request.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at XXXX XXXX, I gave XXXX {$65000.00} ( XXXX XXXX XXXX Dollars ), XXXX XXXX {$5000.00} ( XXXX XXXX for transfers fee ) from my checking account from TD Bank to the manager of the branch at XXXX XXXX XXXX, FL, to be sent to my checking account in XXXX in the amount of XXXX {$300000.00} ( XXXX XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX  Reais- ( Brazilian Currency ) ), to buy a vacation home in XXXX. This transaction was an International Wire Transfer.

I spent a week in XXXX trying to get the money to close on the property. After spent around XXXX {$10000.00} ( XXXX XXXX Dollars ) on travel expenses to and from XXXX, I came back to the United States to find out what happened to the money that I could not find anywhere. 

Today, XX/XX/2024, I still do not have the money and TD Bank does not explain where the money is or let me talk to a higher level employee that can solve the situation. They only sent a letter telling me that their investigation is closed and there is no error from their part. I still do not know where the money is and I am with the financial loss of XXXX {$65000.00} plus all the expenses I had because of this unacceptable way to deal with the client 's life savings. 

This XXXX came from my XXXX XXXX  and I paid IRS all the tax they told me to, for this earlier withdraw. I lost the property closing in XXXX and TD Bank just will not accept they did something wrong and are excluding themselves from any responsibility. 

XXXX XXXX
Product: Student loan

I have been submitting ECFs since XX/XX/XXXX. As of 2 years ago my PSLF payments were accurate however for some reason two years ago they reset to zero. When I called FedLoan and emailed they stated that they would be working on the case to review and update it. After a year of no response I reached out again and still given the same reason of they are working on it. I finally reached out to CFPB several months ago to help address this issue and as of XX/XX/XXXX it was addressed via your help and the PSLF payments were updated. However the counts were slightly incorrect. I have attached their documentation for clarification but the line with " XXXX XXXX XXXX  XXXX '' should be 36 payments instead of the listed 32. The line with " XXXX XXXX XXXX XXXX '' should be 27 instead of the listed 25. The final line with " XXXX XXXX XXXX XXXX '' is correct at 12.
Product: Mortgage

My homeowners insurance policy was scheduled to expire on XX/XX/XXXX. However the renewal was {$3900.00}. I found a cheaper policy for {$1700.00} & the insurance agent forwarded the declaration page to Select Portfolio Servicing on XX/XX/XXXX. After several phone calls to SPS, I was told on XX/XX/XXXX that a cancellation had been received for my previous policy with XXXX  XXXX XXXX XXXX XXXX my new insurance information with XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00} had been processed & mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, the new insurance carrier never received a payment for my new insurance policy & SPS is threatening to buy insurance for my property at a more expensive price because they received a cancellation from my new insurance carrier. I am writing to you asking for your assistance because this company has a reputation of fraudulent practices & something needs to be done to ensure that the consumers are protected. Please note that although a date is stamped in their system indicating a payment was processed & mailed, the payment never actually leaves their office for over a week. If I contacted SPS on XX/XX/XXXX to let them know that my insurance policy expired on XX/XX/XXXX, then when the payment was processed on XX/XX/XXXX it should have been overnighted to my new insurance carrier. This is the practice of other mortgage servicers & it should be the same for SPS. This company is fraudulent & a complete rip off to consumers & need to be closed permanently! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Experian, I need this account off immediately. It is a hindrance to me from getting housing and from other credit opportunities. This account is inaccurate it needs to be verified for it to be placed on my consumer report. It has not been verified and your investigation has not solved my issue. I need this account to be deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, I CONTACTED EXPERIAN LLC. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY EXPERIAN XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON EXPERIAN LLC AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH XXXX XXXXXXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification. 
I will attach my credit report you will see the clear errors. 
from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I informed Experian that I became aware of a debt collections that was being reported on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX requested verification of the that as of date ( XX/XX/XXXX ), I have received no response. XXXX XXXX XXXX. was also informed. I received no response as of date as well.
Product: Money transfer, virtual currency, or money service

I transferred XXXX into my Robinhood account onXX/XX/2023. 
Today, XX/XX/2023, Robinhood sold all my XXXX without my consent or any notification at all. I received emails after the transaction occurred. In addition, they wont allow me to transfer out my available funds of {$4100.00} to my linked bank account. 
I have tried many times to contact RH customer service, but they do not have anyone to answer the phone, the only way is to email them, the Chat doesnt work either. All of their customer service reps are overseas, VERY DIFFICULT to reach and communicate with. 
I emailed them again to request account deactivation and all my cash of {$4100.00} to be transferred to my bank account, still no response.
Product: Checking or savings account

I called Wells Fargo customer service to request they NOT automatically renew a XXXX XXXX CD at 5 % rate. They said ok. Then I noticed the CD was renewed- to a 2 % interest rate CD. I went into the XXXX Wells Fargo bank on XXXX XXXX and was told I did not say " CLOSE the CD '' so my request was not honored. They had NO explanation for why the bank renewed me to a very low interest rate CD maturity date XX/XX/24. 
Obviously it is in Wells Fargo 's interest to give me a 2 % yield vs 4-5 % available in many CDs. Moreover, they require a phone call to stop auto renewals- with exactly the correct language during a XXXX day grace period. 
I find this an egregious betrayal of fiduciary & ethical standards. My call to stop auto renewal was handled in a misleading way, the CD renewed to an exceptional low interest rate. This tricky burden on the consumer that produces a benefit to the bank is soft fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019, I submitted a certified letter of dispute with TransUnion asserting notifying them that I had been denied credit resulting from excessive inquiries that I did not authorize and do not recognize. I also contacted individual creditors listed in my credit report to see if they could possibly be of assistance in determining the legitimacy of the their inquiries. They assured me that they possessed no documentation at all specifically from me that granted permissible purpose to access my financial history, nor do I have an account with them. I asked TransUnion to rid my file of these inaccurate inquiries within 30 days if could not validate them or send original signed documents to the contrary. It has been well over a month, and the inquiries continue to plague my credit profile. This, as I understand it, constitutes an egregious breach of my financial privacy and I would like it to stop IMMEDIATELY.
Product: Debt collection

XX/XX/2016 : The collection by name of Professional Credit Services, a company in Minnesota, for an amount of {$2000.00} was reported to my XXXX  credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with XXXX  when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically immigrants.
Product: Credit reporting

There are multiple addresses listed on my report that I have absolutely no knowledge of. I suspect identity theft and request all addresses other than my own on my report, be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.