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

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

I have had a " Banana Republic Luxe '' card since XXXX. It is a store charge card that does not expire, and it was issued by Synchrony Bank ( card number begins with XXXX ). In late XX/XX/XXXX, I received a VISA credit card that is also labeled as Banana Republic Luxe, and issued by Synchrony Bank. This is an actual VISA card, not a store charge card ; it shows an expiration date of XX/XX/XXXX, and has a completely different account number ( begins with XXXX ). 

I am furious that Synchrony Bank would choose to issue me a VISA card, when I never applied for one, especially a card that can be used anywhere VISA is accepted.

I called Synchrony 's customer service on XX/XX/XXXX to inform them that I never applied for a VISA credit card, and they said the company has upgraded me because of my loyalty and points earned. I asked them to close the VISA account, and they did. I asked for written confirmation that this account was closed, and was told they could not send me anything in writing, and that the call was recorded and would be confirmation of the account closing. I am furious that they also would not provide me anything in writing confirming that they have closed the account, and I'm furious that they would issue me a VISA credit card without me ever authorizing or requesting one.
Product: Checking or savings account

Someone Opened an savings account with BOA, and tried to update email, address and phone number. then tried to add the debit card to the XXXX pay and made some purchase.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I contracted with XXXX XXXX to have solar panels put in. They had this financed through GoodLeap for {$60000.00}. Good leap then automatically set up me a credit union account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2022. They even deposited {$5.00} into this account. Routing Number : XXXX. 

I already have 2 credit union and do not need another one. I called to have this account cancelled and was told that I would have to contact Goodleap and that I could not close this account. I have no mortgages or loans with XXXX. 
My Account Number with Goodleap is XXXX By phone : XXXX By email : XXXX By mail : GoodLeap XXXX XXXX XXXX  XXXX, OR XXXX
Product: Debt collection

There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.
Product: Money transfer, virtual currency, or money service

Trying to connect to a app that helps with finances and PNC will not allow connection.
Product: Mortgage

We made a normal, typical payment to our mortgage on XX/XX/2020. The electronic transaction cleared our bank, but the mortgage company, Planet Home Lending, did not process it or credit our account. They simply kept the money. 

They have refused to refund our money. I have sent numerous emails and have called several times. All conversations are run-a-round or blatant lies by the customer service personal. 

We have never missed a payment. We are not in arrears. In fact, the loan has been paid off in full. The payment on XX/XX/XXXX wasn't processed or counted for in the loan. We've demanded a refund several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX  XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX  XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.
Product: Mortgage

Ocwen failed to apply our payment received on  XX/XX/XXXX  in the amount {$3200.00} until  XX/XX/XXXX . When Ocwen provided my  XXXX  for  XXXX , Ocwen did not include any portion of my payment received on  XX/XX/XXXX  in the year end tax statements provided to me for interest and I did not receive any tax statements for property taxes for my escrow. I have repeated asked my relationship  manager  at Ocwen why the payment was not included in  XXXX  tax payments and why my payment received on   XXXX   was not applied until   XXXX   XXXX   XXXX  .  Ocwen  fails to respond to my question and has their law firm,  XXXX   XXXX , respond to my complaint.  XXXX   XXXX  provides a payment schedule, but fails to explain why the  XX/XX/XXXX  payment was not applied until   XXXX   XXXX   XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was involved in a XXXX Ice Cream schemeI. 
I was told To deposit Check that I received4 $ XXXX was told to deposit the check into my bank.Take out 2,000Send itTo-dis account numberChase bank account ending in XXXX The deal was to Have advertisement Shrink-wrapped On my new trailer that I have bought over the course of three months. I were to receive {$800.00} a monthI was cold by my bankOnMondayThey informed meThat checkI depositOnXXXX XX/XX/14 Did not clearI went to Chase Bank On and XXXX to put a stop on the check.They told me that I had to go to my bank And put a stop on itIn which they have already called me MondayTo tell me that the check was no goodSoI can not get my money backI had to pay that {$2000.00} Back to my bank.
Product: Credit reporting or other personal consumer reports

I went thru XXXX credit bureau to dispute the information it came back updated days later when the info still incorrect. I uploaded and highlight todays recording of the payment history and reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I've been in touch with Equifax in regards to several fraudulent accounts reporting on my credit file that were established without my consent. The account ( XXXX XXXX XXXX XXXX XXXX  XXXX ) for some reason still remains on my file from Equifax. This account was clearly included in my FTC report from the Federal Trade Commission. Equifax has not provided any accurate verification in regards to this account and it has been over 30 days without yet a response. Under the FCRA Equifax must abide or adhere to by removing this account promptly from my credit file. Equifax still continues to report addresses on my credit file I've never been associated with as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I notified Chime of some transactions that i never authorized on my account on XX/XX/2020 the same day I accessed my online Chime account and noticed the charges. I filled out the dispute form on the Chime ap and submitted it on XX/XX/2020. 

I received an email on XX/XX/2020 from chime informing me that their investigation found no error no credit would be issued and the claim was closed. The ldocument they provided me with the reason for the denial of my claim was full of errors and false assumptions that they used to deny my claim. 

These are exerts from the claim denial letter as well as my response to Chime. 

Based on our review, the member is disputing almost all of the transactions at the end of XXXX / early XXXX across 2 different disputes. On XX/XX/2020 in the middle ofthe disputed transactions timeline, the member transferred {$77.00} to their Chime XXXX post a {$770.00} funding event through 'Cdle ui benefits '. During this time the member would have had access to the account and seen the account balance. This indicates cardholder anticipated transactions and funded the account accordingly, and also that the cardholder had control of their account and up to date knowledge of their account spending balance. There would be no reason to fund and control an account that has been compromised. 

This first statement shows that Chime did not conduct a reasonable investigation. All of my deposits into my chime checking account are from direct deposit from " cdle pua benefits '' Since I opened my Chime account this has been the only way I have received deposits into this account. The fact that the person who denied my claim did not look into my account to see that all of the deposits ever made were from " cdle pua benefits '' and were direct deposit shows a that no time or concern was put into this investigation of my claim. Also Chime states that a transfer of {$77.00} from my checking into my savings proves that I had control of my account and up to date knowledge of my account spending. This statement again shows the lack of effort or concern that was put into this investigation. The transfer into my savings was initiated by Chime themselves, I did not login to my account and initiate any transfer or view mjy balance. Every deposit into my checking since I opene this chime account autmatically inititates a transfer into my savings of 10 % of the deposit amount as I am enrolled in the Chime program " save when I get paid ''. Every deposit into my chime account has been subject to the 10 % into my savings plan since I opened my chime account. How does my enrollment in Direct deposit and " save when I get paid '' both programs Chime encourages its members to participate in, suddenly give chime a reason to deny crediting my account for fruadulent charges that I reported the day I discovered them? I contacted chime and informed them of this error in their investigation but they have not acknowledged nor have they corrected their findings of this flawed investigation.
Product: Credit reporting

I have tried several times, since XXXX, to get a copy of my detailed credit report from Equifax, to no avail. With the help of the CFPB ( thank you! ), I did receive printed copies of my credit reports from XXXX and XXXX. 

I am the victim of major identity theft. I did place a fraud alert and security freeze on XXXX and XXXX with Equifax. Equifax kept insisting, both over the phone and by mail, that I lived in XXXX, CA ( where I lived over XXXX years ago ). I kept telling Equifax that I have lived in XXXX, CA for nearly 4 years ; I gave them my current XXXX, CA address. 

Equifax then sent me a letter, received XXXX, stating that on or about XXXX, a " change of address '' had been processed for my account, changing my address back to " XXXX XXXX XXXX # XXXX XXXX CA XXXX. '' Equifax changed the address back to XXXX even though I had a security freeze and fraud alert on my account. 

When I protested the change of address, Equifax said that I needed a letter from my former XXXX landlord, stating that I no longer lived there. The XXXX XXXX, which owns the XXXX apartment complex, then said they could find " no record '' of my having ever lived there. I actually lived in that apartment complex for nearly XXXX years. I did find an old driver 's license ( in an old purse ), with the XXXX address on it. I also found a copy of an old XXXX XXXX lease. The XXXX XXXX XXXX complex stated that they had a new computer system, installed in XX/XX/XXXX, and that they had no tenant records prior to XX/XX/XXXX. The assistant manager of the XXXX XXXX complex provided me with a letter that said, " no record '' of XXXX XXXX having lived there. 

And so, I sent Equifax, via overnight mail XXXX, a copy of the XXXX XXXX XXXX XXXX, a copy of a gas utility bill with my current XXXX, CA address, along with a photocopy of my Social Security card. I also sent Equifax a letter, once again requesting a copy of my credit report as soon as possible. I also requested that all reports and correspondence be sent to my current XXXX, CA address. 

I explained to Equifax that I am very concerned that the current tenant at " XXXX XXXX XXXX # XXXX XXXX CA XXXX, '' or perhaps a prior tenant, accessed some of my mail and personal information. Who else would have changed the address back to XXXX XXXX XXXX in XXXX? As a precaution, I re-forwarded all of my mail from the last XXXX years to my current XXXX, CA address. 

I have completed my City of XXXX Police Department Identity Theft Affidavit, and will be meeting with them this week. I also will send a copy to the XXXX of XXXX Police Department. 

This has all been exhausting, and frustrating. In addition, I am taking care of my mom, who has XXXX XXXX. Any assistance from the CFPB would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

To Whom it may concern. 
My name is XXXX XXXX, and I am a single father that is simply trying my best to do what I can with my son and me. the improper use of my credit report and the improper and incorrect use of my information has severely damaged my life. 
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy and these inaccuracies are stopping me from the ability to find a decent home for my small family 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 which they have constantly done.

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 and some of these are 10 years old.

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.

I don't believe it is inaccurate I know it is from the proof I will provide below.

I know whoever is reading this it is not your fault, but I need your help. I am just trying to be better for my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email to Shellpoint Mortgage regarding the late payment they reported on my account in XXXX stating I was 60 days late. My loan was transferred to Shellpoint from XXXX and I was under the CARES ACT coming out of a covid-19 program, placed on a repayment program under the CARES ACT to where my account would not be reported while in the program. I have followed all guidelines as well as made each payment in addition to other payments just to get my account out of the repayment program. I actually got my account caught up in XXXX, when the program was designed to last until XXXX. 

I have tried to work with Shellpoint to get this late report off my credit. It is bad enough to have gone thru the enormous economical issues I did for over 2 years during covid and was fortunate enough to be able to meet all requirements to be put into the repayment program. According to the law, NO CREDITOR is to report anyone under any CARES ACT program late especially if they are following all guidelines. 

I am requesting that my account show they acquired my account in XXXX as it does and it is NOT NOR HAS IT EVER BEEN late as my account has been under the CARES ACT that Shellpoint acquired from my previous loan servicer.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Student loan

On XX/XX/XXXX my loans were approved for a student loan discharge do to a XXXX. I was told by NELNET that my loans would be discharged and reported to all major credit bureas that my loans would be reported closed with a XXXX balance. On XX/XX/XXXX NelNet reported my loans incorrectlly to the major credit bureas as being defered tell XX/XX/XXXX, and reported them as, transfered. Also showing a 90 day late payment which I was inschool during XX/XX/XXXX and XX/XX/XXXX. I spoke to NELNET they said they were sorry for reporting incorrectlly and, that they would fix the issue with the three major credit bureas. They also sent me a letter stating so. I just want this fixed please, I am XXXX   and this is really effecting my credit and me. I have been truned down for medical treatment that is not covered by insurance due to NELNET reporting incorrectly. At this time I do not know what to do but report NelNet, and to contact my state attroney office about this matter.