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

I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breaches. I noticed some unauthorized, fraudulent accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a joint account for a car loan with Santander Financial for a car loan. The loan was previously delinquent ; however, the loan was brought current as of XX/XX/2020. On or about XX/XX/2020, Santander reported to the XXXX/XXXX/XXXX  that the account is 30-59 past due ; despite the account no longer being past due. I contacted Santander this morning and was advised that they will not update the credit reporting further, and that if I have a problem with it, I will need to send them a letter in the mail to dispute the reporting.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred. Despite having sufficient funds when transactions was 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 these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. I have filed several complaints # XXXX # XXXX # XXXX on XXXX  XXXX and has not verified that they have a contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. Under 15 USC 1681B therefore I didnt give consent to XXXX  XXXX to report any certificate of indebtedness to report as income. They are reporting to the credit Bureaus without my consent. Also XXXX XXXX, Transunion, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself. Also as for the inquiries I didn't give consent to the inquiries on my credit report to be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to delete negative unverifiable information from my report, moreover they keep verifying closed accounts as accurate and update wrong information on my report. I specifically asked transunion to send me proof by mail to verify negative information which I have not received nothing and transunion continues to show and put back negative accounts on my report.
Product: Checking or savings account

Chase Bank closed my account because an unperson sent me {$300.00}, which is still in the account, with my personal money of about {$180.00}. The bank says that the unknown person reported me to be a fraud. They closed the account for over XXXX  months now and they never sent me my {$180.00}. Thank you.
Product: Mortgage

I already complained on Bank Of America, XXXX XXXX XXXX XXXX Its been 2 weeks still I didn't get any response from them. because of this I am not able to take Mortgage loan for a house even I can afford, Please try to fix this as soon as possible, Thanks in advance!! 

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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa, cra inaccurate information violates my cra rights
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Consumer Loan

The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.
Product: Debt collection

After a detailed examination of my latest credit report, I identified several accounts that appear to be incorrect and were included without my knowledge.
Product: Checking or savings account

Wells Fargo withdrew {$680.00} on XX/XX/23 and on XX/XX/23 from my checking account without any authorization from me. The bank put the money into my bank credit card account as if paying down a debt, which I did not owe. 
I contacted the fraud protection telephone number for Wells Fargo to get an answer why the bank did this. The bank representative would only treat the problem as a stolen ID issue and put me through the withering interrogation for that issue, and refused to acknowledge or explain my complaint that the bank had done this. 
Wells Fargo immediately closed my access to my accounts online. Their actions will include changing my account numbers, and are requiring me to contact every entity with whom I have a financial relationship to notify them of the change in account numbers. This will be an intolerable task for someone my age, on Social Security.I have tried to get back into my checking account using the instructions Wells Fargo shows online. But when I attempted to identify myself using my Social Security number, which they required, nothing happened to allow me in.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my wifes XXXX XXXX applied to my account. I am the secondary account holder. I have been complaining and disputing that they need to add this to my account. Transunion is the only one not complying. XXXX and XXXX have complied up to from XXXX to XXXX. Transunion refuses to fix it I have disputed with the as early as XX/XX/XXXX. I disputed for up to 6 months. Nobody took me seriously. I am fed up I contacted XXXX several times and they say contact Transunion. Nobody wants to fix this. Transunion is refusing to listen.
Product: Checking or savings account

I received an email on XX/XX/XXXX that stated that my XXXX account had been charged {$490.00}. It said if this was not my charge to call a number, I did this. They stated that they were from XXXX and needed my information to refund me the money. I gave them my Wells Fargo username and password. They accessed my account, transferred {$10000.00} from my Wells Fargo Credit Card to my Wells Fargo checking account, and wired that full amount from my account. They then attempted to transfer another {$4700.00} from my checking and savings account. At this point Wells Fargo called me and I told them that this was not me, they stopped the second transfer. I immediately went to the local branch and closed all my accounts. The manager stated that it would take 10 days and I would be reimbursed the initial {$10000.00} transfer. On XX/XX/XXXX, I received a letter from Wells Fargo stating that they were unable to recover the initial {$10000.00} transfer and there was nothing else that they could do. They closed the claim. I called and they stated that my only recourse to recoup this amount was to file a police report with the local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XX/XX/XXXX account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Product: Credit reporting or other personal consumer reports

Frauds, inaccurate reportings, double jeopardy : deleted priors reoccurring, discrepancies in data being furbished. 
Equifax has XXXX piece of information while XXXX and XXXX report total different information. Equifax says XXXX open accounts XXXX closed ; XXXX says another amount listed as well as XXXX for XXXX total accounts ; along with dates of origination and last reporting dates not matching : my Federally protected rights and Consumer Report/profile has been defamed and in manners breeched. 
Also in existence are XXXX XXXX Credit compliance and Consumer Law Violation ( XXXX ) XXXX XXXX XXXX and XXXX Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON.
Product: Checking or savings account

Account opened fraudulently Accounts denied because of Fraudulent account Overdrafts fee for no balance Overdraft fee for card usage
Product: Credit reporting, credit repair services, or other personal consumer reports

Had Spoken XXXX  Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired to see if ( Evergreen Home Loans ) could remove a late payment from XX/XX/2022 that was reported to the credit bureau. ( They did however remove the late fee ) This was the first time that I have had any type of occurrence of this nature, if they were look at my past history it solidify my statement. 
When I first discovered that this occurrence happened, I immediately called and spoke with a loan representative and sent in payment for full resolution of the XXXX $ in question. 
The original payment check was sent in but with an error on it. 
The error was that when physically writing out the complete dollar amount on the check the words " XXXX XXXX '' were accidentally omitted, However the full loan payment amount of XXXX was written numerically correct on both the check and on the voucher. 
Evergreen home loans response to my request was " Unfortunately, we are not able to correct Per CFPB guidelines, we are required to post the check for the amount that was written out ''. 
what CFPB guidelines are they referring to? there response has nothing more than a loose mention of the CFPB with no supporting information from the CFPB guidelines to support their statement. 
Can they remove the reported late payment from my credit report? And why cant they correct it?
Product: Vehicle loan or lease

I fell under hardship and request my bike loan company model finance to they could lower my payment which they refused, forcing me to fall behind on my payments. They have continued to harass me and report negative information to my credit report every month. They refused to take partial payments and have been very unprofessional in the process. They have wrote my bike off as a profit for lost and still report negative information every month to my credit report stopping me from being able to get a loan to pay them in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report I XXXX  XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. believe it was reported in error. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX XXXX XXXX FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

This is a complaint about Coinbase. 
Since late XXXX XXXX, they have locked my account citing security reasons, and I have sent numerous emails to them asking for it to be unlocked, to no avail. 
As such, my funds have been unfairly locked inside their account, with no access. 

I hope this can be resolved as soon as possible - I did a search online and found numerous people also having the same problems. 
I called their support number, and was n't even able to get connected.
Product: Debt collection

XXXX from Pioneer Credit recovery contacting my job without my permission, having individual sending me emails to me asking for me to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Product: Mortgage

We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX has gone from last late of XXXX on a charged off account with a XXXX balance to a last late of XXXX and now with a {$11000.00} balance on a charged off account from 2011. This is unfairly ruining my ability to use my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Faire Credit Reporting Act, XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes regarding this account ( Account Number : XXXX ), they have failed to correct or remove these errors. This inaccurate reporting is significantly harming my credit score and misleading potential lenders, which negatively impacts my financial opportunities. 
I have contacted both Equifax and the company involved several times, yet no resolution has been reached. This lack of action is unacceptable and continues to cause me unnecessary financial harm.
Product: Payday loan, title loan, personal loan, or advance loan

TD Retail has accepted autopay and financed purchase of new phone. After receiving all payments for the loan, they stated that the account was paid off in XXXX and disabled the autopay without consent. There was still a service fee for the insurance monthly that was billed through the account which went unpaid due to autopay being disabled  and late payment emails not being sent. This impacted my credit score by over XXXX points and they have refused to assist in recovering my score. The payment has since shot up to XXXX dollars a month without reason.
Product: Money transfer, virtual currency, or money service

I had the following chat. The broken link is still on the page and still broken. 

... 
Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX  - PayPal Assistant Yes XXXX XXXX  If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX  - PayPal Assistant I messaged you last night. But it seems you threw away the question. 
https : //www.paypal.com/us/smarthelp/topic/NONPROFITS_AND_DONATIONS won't load. 
You link to it from https : //www.paypal.comXXXX Please fix the link and send me the FAQ. 
Hello? 
XXXX XXXX  So angry now. It's been almost an hour. Hello? 
You link to it from hundreds of pages, e.g. https : //www.paypal.comXXXX Hello? This is absurd. I'm looking for clarification on the " *Some partners may charge fees on donations made through their platforms. See FAQ for details. '' sentence - are banks/VISA/MC such 'partners '? 
XXXX XXXX  Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX  Thank you for contacting PayPal, my name is XXXX. When it days XXXX its describing sites like XXXX  that uses PayPal to receive donations but XXXX will take a percentage of the funds collected before they are sent over to PayPal. 
XXXX XXXX - XXXX This conversation has been closed.
Product: Credit card or prepaid card

I have yet to receive my keybank card in where my unemployment money is currently being sent to. Every time I attempt to call the bank or the unemployment number, nobody answers and they leave me on hold. I have not being able to receive any of my money because nobody answers me or sends me the card. According to my account the money is being deposited to the card every week, but i have not been able to use it. The money has been deposited since XXXX and i still have not receive my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm really satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.