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

In XXXX I had my identity stolen in what was the XXXX XXXX and XXXX XXXX hack, someone used my XXXX  XXXX XXXX account and opened up a XXXX card. I immediately contacted law enforcement and reported under penalty of perjury the theft. Shortly after I contacted all 3 credit report agencies and asked the information be blocked pursuant to 15 usc 1681c-2b, all agreed, in XXXX of XXXX after noticing some inaccurate information on my Experian report I noticed they reinstated the accounts ; without notifying me-A violation of the fcra and FACTA amendments, Nor did they explain why, which under the FCRA is absolute and without question. I checked every report from XXXX and they randomly reinstated the accounts in XXXX of this year, in flagrant violation of numerous federal and state laws. I am a bona fide victim of identity theft and this has now cost me numerous accounts that have been denied or closed!
Product: Money transfer, virtual currency, or money service

My account on the CoinBase is locked ( or the time I figure out ) for any transaction about two months ago ( XX/XX/2024 ) : I reached out to customer support multiple times ( through phone, XXXX XXXX, and XXXX ). They all responded me in the same way : the case is being actively reviewed and I have to continue to wait. However, there has been no update or response from customer support. The amount in the account ( more than {$10000.00} ) is a considerable amount of all my assert, which is a very frustrating experience.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union continues to share my private banking information with non affiliates of their company. Navy Federal states in their privacy policy that they will share my personal banking information with your affiliates ( subsidiaries or other companies under common control ) but XXXX XXXX XXXX, XXXX is neither a subsidiary nor under NFCUs control, which makes them a non affiliate. They also failed to provide me with information on who gave them authorization to share my private banking information. This is a direct violation of my rights under Title 15 U.S. Code 6802 and the Privacy Act of 1974.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services 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 their 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: Credit card

My statement came out on XX/XX/XXXX2024 for my XXXX payment I made my minimum payment on XX/XX/XXXX/24 for XXXX they put my payment for XXXX on XXXX and I had made XXXX payment on XX/XX/XXXX24 they said they did this because I made trans action after XX/XX/XXXX if that was the case those trans action would have showed on XXXX statement they are show me late for to month and charging me late fees and neither should have a cord
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$19000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the debt for XXXX XXXX original creditor XXXX XXXX Bank. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax and XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 and XXXX and 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 three 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 XXXXThis 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 n remove the inquiries 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies. I have asked to have them UPDATED for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY TO PAID ON TIME/ NEVER LATE IMMEDIATELY. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ) ( DO NOT SEND A GENERIC LETTER STATING YOU DO NOT UNDERSTAND THIS DISPUTE OR YOU ARE UNABLE TO DISPUTE. THIS IS VERY CLEAR, ) GIVE ME THE METHOD OF VERIFICATION OF THESE ACCOUNTS OR UPDATE THE ACCOUNTS accordingly. PAID ON TIME, NEVER LATE FOR ALL PAYMENTS IN PAYMENT HISTORY. ( YOU ONLY HAVE 15 DAYS UNDER THE FCRA )
Product: Mortgage

RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. 

I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. 


All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. 


Please help since there people are taking advantage of me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

I have XXXX accounts that need to be removed from account. XXXX and XXXX XXXX XXXX
Product: Debt collection

The reason for this letter is to show that this company isn't practicing justified and lawful Business.This company never called me and I had reached out to them once I had clear my credit. Some how this. company that I never heard of I asked them by mail to please Identify your company due to the fact, I never had any loan taken out by them. I supplied them by sending certified with a Letter by mail to this company. Requesting the Original Contract that I sign. After 30 days I never Obtained the information. This company never had my address and all the info that they tried to use or access from using the 3 bureaus.Still to this time they do not have the correct information. Now here is MY issue. I go to pull my credit report that has hindered me and my daughter from moving is based on this impacting my credit score as if I took out this lone on XXXX date open then has a date of XXXX. I looked them up called and talk to a Rep and I asked him what information that you have to prove that its me after sending a XXXX letter and I get a letter back saying that they sent out information that I never seen. He says IP address I so felt that this was a scam and I told him I didn't want to receive any calls from them. 3rd letter comes out with a letter requesting for them to please remove that off my credit as they are negative affecting my report. The lady was very rude and yes yes we are putting this on my credit if I didn't pay!! so there you have it. and I don't remember any loan with the amount of XXXX ever taken out so like I told them remind me. I have a traumatic event that happen on. XX/XX/XXXX so I don't remember much so please look into this matter. I have sent them every letter that I was told to do by credit bureau. With the threats of them putting that on my credit. on all 3 report agency. is wrong... This company on the doc : last one they type my name. type a Ip. Wrong also they sent information to another address then what is filed I don't want to give them any information as they sent mail to XXXX XXXX XXXX XXXX XXXXXXXX mo, then they sent information to another address, then another address they are chasing my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.
Product: Credit reporting or other personal consumer reports

I came across some hard inquiries on my credit report that did not belong to me.
Product: Credit reporting

I opened a account with XXXX on XXXX XXXX paid all bills until XXXX XXXX when I had to leave my home due to forclosure. I requested to have my services cut off in XXXX of XXXX I was on a payment plan.they sent a final bill for XXXX in XXXX. In XXXX it was sent to a collection agency XXXX services I paid the bill on XXXX XXXX XXXX. Then I received another bill from a different collection company saying I owe XXXX. I paid my last bill and closed the account. Now XXXX have reported XXXX accounts on my report XXXX opened in XXXX XXXX and XXXX in XXXX XXXX. I have disputed this several times with experian but as of now the account opened on XXXX XXXX was removed, but where did the other account come from opened in XXXX XXXX. This account should be removed I do n't owe dte anything. How can I have XXXX accounts for the same address.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 section 602a of the Fair Credit Reporting Act " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX XXXX TransUnion are consumer reporting agencies and I, XXXX XXXX XXXX, am the Consumer with the right to make sure my private information isn't being shared. 15 USC 6801 backs that fact by stating that " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX, XXXX and TransUnion do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX XXXX TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

My bank can not run my credit information because they have my account locked. I have made contact through TransUnion and other credit agencies through text message and XXXX and they have verified who I am but they want me to send my copy of my social security number a social security card. Am I Birth Certificate? I do not feel I have to do that. Because I did not lock that account. Or have any issues on or or have not been told any issues on why that is happening? I feel that the creditor is violating my right or stealing from me that they can not unlock my account. And I can purchase a vehicle. I don't feel I have to send my my social security number. Or birth certificate As I feel that they have been hacked and they have been breached in the past and I do not need that happening to my account or especially my social security card number and Birth Certificate. They have already identified who I am through XXXX and text messaging when I sent them a picture of my ID and of course, a XXXX they were fighting with me on the same person as the I. D. I need this situation. Handle it as soon as possible. And they should have not have the right to be able to tell me. I can not pull my credit report. Or an auto company, can I pull my credit report? Because they say they we can't
Product: Student loan

I have called and sent standing instructions on how to handle my overpayments and how they should be applied. They seem to always apply it incorrectly and then tell me on the phone they have to submit a request to get it sorted out. This is causing additional interest as the overpayments should be applied to the highest interest outstanding principal. Instead it is being applied evenly to the remaining loans. It seems like I have to call every billing cycle to get it fixed. Most recently my XX/XX/XXXX and XX/XX/XXXX payments were not applied as stated in my standing instructions that were sent and approved XX/XX/XXXX
Product: Credit card or prepaid card

Hi I had an account with BBVA bank which was then bought out by PNC bank. 

Somehow during this transition my information was stolen and I have {$570.00} in fraudulent transactions. 

I had called PNC as soon as I saw it and over an hour long conversation the representative said they would file a claim and have the fraudulent transactions removed. Those fraudulent transactions were the only transactions on the account. 

XXXX  month later, and nothing was resolved. I called again and spent over an hour on the phone with the representative who said they would remove the transactions as they agreed they were fraudulent, restore the account to a {$0.00} balance and close my account. 

However, it is now yet again over a month later with nothing resolved. They seemed to have erased my account history, because I can no longer see the statement details, however I'm still charged the {$570.00} and I can not somehow turn off autopay or see any autopay details. So this account is still linked to my main checking account and will continue to draw funds. 

I can not even download a bank statement. 

It begs the question, how do I have a balance / activity on this account without the ability to see any previous statements. 



This bank has promised to remove these fraudulent accounts twice, and over the span of now going on XXXX  months there is no resolution.
Product: Credit card

XX/XX/XXXX : Notified by chase credit card services that I have a pass due credit card balance of over XXXX. I informed them that I did not make those charges. 
XX/XX/XXXX : Notified by chase credit card services again, informed them the charges are fraudulent and Im a victim of identity theft, they submit to fraud department. 
XX/XX/XXXX : Mailed in identity theft report, police report and supporting documents. 
XX/XX/XXXX : Bank continues to harass me with calls and emails of charges that I never made.