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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX  and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I co-signed for my son for cable tv with XXXX XXXX while he attended University XXXX XXXX. He left school in XX/XX/XXXX and we cancelled the cable account. However, he did not return the cable equipment thinking that the cable company would come and pick it up ( he was XXXX at the time ). XXXX XXXX sent the bills to her campus address and they were not forwarded to our home address. It was turned over to EOS CCA and they contacted me and I immediately paid them in XX/XX/XXXX. The problem is that EOS updates this account every month and it appears to the credit bureaus that is was just recently paid which is adversely affecting my score by 60-70 points. I have contacted XXXX XXXX XXXX ( which has been purchased by XXXX XXXX XXXX and they have no record of my account being delinquent and have told me ( I have spoke to them 4 times ) that the would remove the reference from my report. I have followed up with EOS CCA and asked them to remove the reference since the original creditor agrees it should be removed but they refused. I then asked them to show the date reported as XX/XX/XXXX which would then not adversely affect my score and they refuse to do that as well. I have spoken to them 4 times as well. I don't dispute the reference but I feel the way that they update the account every month is unfair and severely adversely affecting my score forcing me to get higher interest rates than I should be receiving. The rest of my credit is perfect and my revolving accounts are paid in full every month. This type of reporting must also be adversely affecting other people in the same way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any knowledge of this company. I think my information was involved in a data breach and got into the hands of the wrong person. I have provided a identity theft report that i have filed.
Product: Credit card

The credit card was opened XX/XX/year>. They used an old address and email address. Disputes have gone to the creditor and credit reporting agencies. This is not my card! I have asked them to freeze my report.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used car from XXXX XXXX XXXX dealership in XXXX, TN. The car was financed through Security National Automotive Acceptance Company ( SNAAC ). The GAP policy was purchased from XXXX, which is owned by SNAAC, and the {$800.00} for the GAP policy was included in the financing. The car was insured through XXXX. 
On XX/XX/XXXX, the very next day, I was in an accident and the car was determined to be totaled by my insurance carrier, XXXX. 
OnXX/XX/XXXX XXXX sent a check for {$16000.00} to SNAAC ( attachmemt 1 ). This is also verified on my account with XXXX ( attachment 2 ). 
On XX/XX/XXXX I made a payment to XXXX  of {$210.00}, which was the scheduled bimonthly payment ( attachment 4 shows the payment credited on my SNAAC loan account ). I don't feel I should have needed to make this payment as my car was totaled. 
On XX/XX/XXXX XXXX XXXX, who was paid a commission on the GAP policy, issued a refund of {$540.00} to SNAAC. 
On XX/XX/XXXX XXXX XXXX verified that the {$540.00} refund check cleared their bank. 
OnXX/XX/XXXX XXXX sent a letter summarizing the entire transaction which confirms that SNAAC was paid {$16000.00} by XXXX, that I was due a refund of {$800.00} for the GAP insurance charged when I bought the car, and that the total GAP settlement is {$310.00} ( attachment 3 ). 
On XX/XX/XXXX I called SNAAC, along with my military financial advisor,  and SNAAC stated that they never received the {$540.00} refund from XXXX XXXX. They said that I owe {$790.00} which is the account balance that is shown on my SNAAC account as of today. The account also states that the " Total Due '' is {$670.00}. SNAAC told me that interest is accruing DAILY. 
On XX/XX/XXXX I printed a copy of the balance on my SNAAC loan ( attachment 5 ) which shows : Account balance {$790.00}. Total due {$670.00}.
Product: Bank account or service

There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX 
( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning. 
( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute. 
( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open.
Product: Credit card or prepaid card

Dispute interest charge : XXXX. 

I noticed an insufficient payment for this account on XX/XX/22. However, I was unable to make any payments since I was informed that I must wait until the return payment was posted. In the meantime, I was charged a past due fee and interest charge totaling {$30.00}, despite having noticing this and wanting to make payments to avoid precisely the above charges/fees. 

Request : Capital One compensate me for your inability for a consumer to make payments during waiting period for the payment to post but still charged interest charges.
Product: Mortgage

On XX/XX/XXXX, Mr Cooper credited my account {$600.00} in what was later described as " mistransfered funds from another customer. '' I was late on a payment that month and assumed that the {$600.00} payment came from my escrow account because in the same month, my escrow was increased. I paid the rest of what was due and went on not thinking anything else about it because Mr Cooper failed to inform me of THEIR mistake. I'd also like to point out that it's hard to believe that another customer went almost 4 months without raising concerns to Mr Cooper about where their {$600.00} went. 

Fast forward to XX/XX/XXXX, I get a call from Mr Cooper asking why my payment is late. I thought this was odd  because I made a payment in full on the XXXX of this month. For whatever reason, the payment was reversed by Mr Cooper but never made it back into my bank account. My statement shows a payment was processed in full on XX/XX/XXXX. Going to back to my Mr Cooper account, it shows I OWE a balance of {$610.00} ; {$11.00} of which is a LATE FEE. 

Mr Cooper made a mistake, didn't catch it, and didn't inform me of their mistake when they caught it FOUR MONTHS LATER. They charged me for the {$600.00} that they mistakenly transferred to my account then proceeded to charge me a late fee and call me to ask why I haven't paid my mortgage on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 names on my report with Experian showing XXXX XXXX XXXX and XXXX XXXX. My name is XXXX XXXX. I have sent letters certified and regular mail Experian hasn't responded. I called Experian today XX/XX/15 I was told they have not received any disputes by mail from me. I find this to be strange considering the letters I sent certified shows they were received. I have a complaint filed on Experian for the account XXXX shows a collection with name XXXX XXXX. I was told there isn't anything in dispute with Experian. I see the complaint I filed and Experian said there's not a complaint. The names XXXX XXXX XXXX and XXXX XXXX and the bogus account XXXX XXXX need to be removed from my credit file. I'm being ignored by Experian they are profiting off me. I have an open complaint submitted XXXX on consumerfinace.gov for the mentioned account XXXX. The account XXXX has been removed by XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Once again filing a consumer finance dispute because I have run out of options here. XXXX will not give my money back and as of today, XX/XX/XXXX, they have stopped providing services to their user 's who prepaid A YEAR IN ADVANCE. I have filed this with XXXX as well. 

On XX/XX/XXXX- I sent XXXX an email asking for cancellation of my service. I wanted to see Wreck It Ralph and tried to, but the service would not issue me a ticket. Furthermore, I just checked my XXXX   account ( I can for some reason log-in online ) and I requested the cancellation before my " attempt '' is logged on the XX/XX/XXXX. I never saw Wreck it Ralph on the XX/XX/XXXX. I tried to see it on the XX/XX/XXXX,  but it obviously did not work out as you can see by the provided request for cancellation email. 

Then we go through the same things as noted before, XXXX never responds, XXXX never reinstates my account after multiple requests. I paid {$110.00} to watch 3 movies a month. I have been able to watch two movies : Spiderman on XX/XX/XXXX and Wreck it Ralph on XX/XX/XXXX. On top of everything else, XXXX charged me fees on top of the {$110.00} I paid to see these movies. I have already joined the lawsuit for this portion. I requested my cancellation well before seeing being able to see any movie. The only correspondence I have EVER received from XXXX was to let me know that this is my banks responsbility and they are deactivating my account. All documents with dates are attached. I have 7 months of service left. I have been unable to use this garbage service and {$110.00} is not some small amount of money. I work hard and this is totally unfair. They scammed thousands of users. Please Citi help me out! I use credit cards for the protection, so why is Citi not protecting me? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a alert on my Transunion credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report
Product: Checking or savings account

I filed a claim for unauthorized purchases on my account, all the the same organization. Some of the charges were in the same minute or same day for duplicate amounts. I didn't authorize them and it wasn't me or a family member. I have been fighting this with my bank for almost a year. The total is {$12000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The charges were for XXXX in varying amounts each time. I contacted Wells Fargo several times on the phone. They would keep sending me to different people. I found out in the mail the claim was denied. I called again and had to tell my story over and over again to each person. Then they finally gave me a number to call to see if they could help. I left several message son different days with the person in claims/appeals and never got a phone call back. So, I called back the claims department and they kept telling me that there was nothing else they could do and if I wanted to respond it would have to send an email to XXXX I sent numerous letters to them, I believe XXXX total, and never got any responses back. I have spent hours on the phone with them over the last XXXX months and time wasted sending them letters. No one ever replies. This has caused major conflict in my life and a great deal of distress. We believe that my cards and passwords were compromised. When I spoke to the first employee at Wells Fargo, he explained how that probably happened to me. So, I was very surprised when they denied the claim. They claim to back up their customers and give XXXX XXXX  back on fraudulent activity, yet they denied it. I kept getting the runaround between them and the bank. Please help me finally solve this claim please.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency XXXX XXXX Executive Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX President, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Chief Executive  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the item, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the item listed below : Bankruptcy XXXX XXXX-discharged Filed Date XX/XX/2012 XXXX
Product: Credit card

On XX/XX/year>2024 I was paying for my auto insurance and the credit card company double charged my credit card. Auto pay is set up and somehow there system double build me and didn't confirm the payments after the bill was paid. Therefore I did not authorize the second payment I want to be refunded back to the card that was used. Please see screenshots as proof that this took place. I also filed an FTC report fraud report
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance is reporting a 30+ day payment on my credit report which is inaccurate and is refusing to remove it despite multiple request!
Product: Mortgage

INTENT TO DRFRAUD US GOVERNMENT / INSURANCE FRAUD AND CONSUMER FRAUD SPECIFICALLY PMI FRAUD IN A RECENT CFPB REPLY NATIONSTAR/ MR COOPER STATED MY HOME IS AT 87 % LTV WHEN IT IS ACTUALLY 57 % LOAN TO VALUE ... I AM A XXXX THESE LIARS NEVER DID AN APPRAISAL SO I KNOW FOR A FACT THEY ARE GUILTY OF SYSTEMATIC INSURANCE FRAUD. ***EVEN IF IT IS JUST THIS ONE CASE ... I WANT THEM REFERRED TO THE FBI FOR PROSECUTION AND FINED FOR LYING TO THE CFPB ON THEIR OFFICIAL RESPONSE****
Product: Student loan

I have been diligently paying off my private student loans for several years, despite attending a school that has been embroiled in misconduct. The interest rates on these loans are exorbitantly high, ranging from the mid to high teens. It's disheartening to witness others receive forgiveness for similar loans due to default, while I, who have remained current on my payments, continue to struggle financially and suffer negative impacts on my credit. 

Attempting to refinance these loans into more favorable terms has proven to be a daunting task. Navient, my current loan servicer, shows reluctance to negotiate lower interest rates. Moreover, my association with a school involved in misconduct severely limits my options for refinancing with other lenders. Repeated denials for refinancing stem from the longstanding nature of my private loans and the minimal reduction in the principal amount owed. 

These loans are a product of a deceitful institution that has defrauded its students. Therefore, I firmly believe that such loans should be deemed null and void due to the school 's fraudulent activities.
Product: Money transfer, virtual currency, or money service

Coinbase has placed a buying and selling hold on my account and my digital assets claiming they are waiting for a payment, even though I have digital assets that have been purchased with settled and cleared funds. Coinbase support says that I will still be able to transact with my account while my last ACH payment is on hold, however I am unable to buy, sell, withdraw or transfer any of my assets. 
Coinbase also says I have {$1800.00} in cash/digital assets available that I can buy, sell, or trade. However, the user agreement is misleading and contradictory and Coinbase has locked my assets even though my bank has confirmed my ACH transaction was successful as of XX/XX/24, and Coinbase has the transaction marked as complete in their system as of XX/XX/24, images provided with the files. Coinbases policy says that buy and sell services will be restricted if there is a violation of the user agreement, which in my case has not occurred. 

I have reached out to customer support to try to resolve this issue however they are unable to assist. 

Coinbase Complaint Case Number : XXXX : Customer Support Case Numbers : XXXX and XXXX