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

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Santander Bank Loan # : XXXX To whom it may concern : I am writing this letter to explain my situation regarding my forbearance process on my mortgage. I called on XX/XX/2020 to discuss my mortgage forbearance, I spoke to XXXX XXXX who identified herself as the senior Specialist Relationship Banker to inform her that I wish to discontinue the process of my mortgage forbearance. I informed XXXX that my monthly mortgage payment is available and can be deducted from my account monthly. As discussed with her the monthly payment was deducted accordingly from my Santander account while its being in forbearance. XXXX informed me that she will remove it from my account and mail me a letter regarding the discontinuation of forbearance on my mortgage. I have not received that letter and I am still in forbearance. Please discontinue my mortgage forbearance on my account. 



Please anything you can do to expedite the process will be greatly appreciated as the error affects my credit report. 

If you have any questions feel free to call me anytime by email XXXX or by phone XXXX Sincerely and Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX number XXXX X XXXX Fax XXXX
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 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: Debt collection

I am filing this complaint to remove inaccuracies from my credit report with Equifax.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini Trust Company LLC ( lheadquarters at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX ) through a downloaded app. 
This was to purchase digital assets. I used XXXX verification to link my bank account with XXXX XXXX XXXX to the app so I could fund the app. On XX/XX/XXXX Gemini withdrew XXXX dollars twice the transaction number is XXXX XXXX  and XXXX XXXX  Then on XXXX XXXX for XXXX dollars trans # XXXX XXXX  DXXXX XXXX  XXXX  dollars Trans # XXXX for XXXX dollars On XXXX XXXX for XXXX dollars XXXX, XXXX for XXXX and XXXX for another XXXX these XXXX withdrawls have the same transaction # XXXX. A total of XXXX dollars USD. I did put a hold on my account. 
My Gemini account has been frozen since XXXX XXXX. I have contacted customer support by email XXXX times. Each time they give me a ticket number from an automated response. At XXXX point i took it upon myself to email the a picture of my drivers license. I then got a response that they could not accept that. I would have to use a drop box and take a picture of me holding my license and a pad of paper with that day written o n it and a code they had given me. I followed the directions to the letter. Then no response. 
I have filed a report with the XXXX XXXX XXXX XXXX at XXXX  on XXXX XXXX Report # XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> Report # XXXX Florida Attorney General on XX/XX/year> I didn '' t get a number for that. 

I have not recieved any answers from those agencies. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 602 ( A ) Right to privacy 15 U.S.C. 1681 604 ( A ) ( 2 ) No written instructions 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) inaccurate information ( pg 86 ) Acct XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) : receipt proof vehicle was never delinquent in court file. 

Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate info after quarterly attempts to contact XXXX XXXX XXXX XXXX XXXX listed on XXXX Credit Report as follows : XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : Phone number not available Inaccurate info on Equifax & XXXX unable to contact me Acct XXXX XXXX XXXX XXXX XXXX failure to accurately report credit transaction over billed in addition, failure to send all payments made to my account. only one payment sent after requesting to be corrected. 

Acct XXXX XXXX Dept of EducationXXXX XXXX XXXX 15 U.S.C. 1681 602 ( A ) states I have the right to privacy. 

15 U.S.C. 1681 604 ( A ) Section ( 2 ) states a consumer report agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing ant of the following items of information any other adverse item of information, 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I installed solar panels on our home in XXXX of XXXX and they were fully functional and approved to operate by XX/XX/XXXX. Mosaic financed the purchase of the solar panels prior to installation. When looking at the statement one day, I noticed that our principal amount was not moving, but steadily increasing each month. I was confused about this, so I called Mosaic customer service to inquire about why my payments were being applied to the principal. The customer service agent explained that we were being charged {$5.00} interest per day on our principal balance of {$20000.00}. I also found out that although our payments did not begin until XX/XX/XXXX, the interest began as soon as the loan was approved. This was not explained to us when he agreed to terms over the phone or we would have never gotten the loan. Although we have been paying the contracted amount of {$140.00} per month since XX/XX/XXXX, by the time I realized what was going on, we were so far in the hole that we now owe {$20000.00}. We were not even made aware that we could make payments prior to XX/XX/XXXX! I just need this company to be more upfront about their fees and not rush buyers through the process of signing the contract over the phone. We are now trapped in this contract and are going to have to make triple payments in order to make a dent in the principal without drowning in the interest. I feel that this is predatory lending and this company needs to be held accountable. We have no issue with paying the loan as agreed on the phone, but the contract and the phone conversation to get us to sign varied significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the Experian XXXX data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over 100 points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries on my credit report that were unauthorized from Credco! The dates are as follows XX/XX/XXXX/ 2 inquiries in XX/XX/XXXX one for miscellaneous/ one for finance/ personal. Another on XX/XX/XXXX and the last on XX/XX/XXXX both for miscellaneous! Then I have another hard inquiry from XXXX XXXX/ real estate and public accommodations! Another for XXXX XXXX and XXXX made on XX/XX/XXXX! Another from XXXX made on XX/XX/XXXX! Last one is XX/XX/XXXX for miscellaneous! These hard inquiries were not made by me and I did not authorize and they are having a negative impact on my credit score at a time when Im trying to improve my score! Please help to resolve and remove these from account! I know my identity has been stolen there have been numerous charges to my checking/debit and I have had to have approximately 4-5 cards replaced since XX/XX/XXXX!
Product: Checking or savings account

I recently lost my job and I had around XXXX left in my savings! NAVY FEDERAL CREDIT UNIT made an UNAUTHORIZED transaction of $ XXXX from my savings account to my checkings account so that they could process an auto-payment for a 3rd party account that had been charged off months ago. I call them to see what they could offer and the answer was NOTHNG! Please DO NOT OPEN account with NAVY FEDERAL CREDIT UNION if you're low income and can't afford to lose $ XXXX like myself!
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter XX/XX/2023 with all 3 credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1300.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Money transfer, virtual currency, or money service

I found an XXXX  seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One  for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX 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. '' ( 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 and XXXX do not have my consent to furnish this information and they surely do not have mywritten consent. Any and all consent to XXXX, XXXX, ( 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 USC1681C ( 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 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: Debt collection

I rented an apartment for 1 year, I gave a 45 day written notice prior to the date my lease was up and moved, 3 months later I received a letter stating I owed them over {$3000.00}, for not giving notice and early termination of my lease. Now the debt is listed on my credit report and I have little proof that I did give them notice and I have both my lease from there and the lease from the place I moved to, which the dates from those prove that I did n't terminate my lease early. I do not know how to go about getting this removed from my credit and I have never had any other problems with any places that I have rented before then and after.
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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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

Equifax is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint so that the credit bureau is AGAIN made aware that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX  XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1700.00} XXXX XXXX Balance : {$590.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I was scammed. I don't know how I could have been so stupid, but these people are obviously real good at what they do. An email appeared telling me I was being charged {$130.00} to renew XXXX XXXX XXXX. I wanted this to be cancelled ; I was to call XXXX. I wound up speaking to a XXXX XXXX @ XXXX. The form appeared on my screen and I typed in XXXX but it came up as XXXX and somehow they were able to doctor my bank ( PNC ) statement to show that XXXX went into my A/C. The guy begged me to wire back the money ( XXXX, deducting a liitle for my trouble ). The money was wired to XXXX ( XXXX Bank ) and of course when I looked at my actual statement the next day, the XXXX was gone. I contacted PNC Fraud ( XXXX ) and they are trying to get my money back but who knows? Details of the transaction are that the money was sent to XXXX to a XXXX XXXX, A/C # XXXX ; swift code XXXX. The XXXX XXXX email address is : XXXX If there is anything you can do to help me, it would be greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

I placed an order with XXXX using afterpay on XXXX XXXX. XXXX sent an email stating that they canceled the order and refunded the total amount on XX/XX/XXXX. I contacted Afterpay on the XXXX of XXXX because I did not see a refund to my account. I disputed the transaction on my account as well. I also contacted afterpay on the XXXX and XXXX with pictures of the cancellation. The representative message back stating he couldnt assist me with out the screenshot of the cancellation from XXXX. Which the screenshot was attached when I sent the message. I have been trying to get assistance and no one is assisting me with the matter.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Debt collection

I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

Ally Financial is reporting a defaulted auto loan on my credit report. This loan is in someone else 's name. I am not a co-signor on this loan, and my name is not on the finance contract. I have disputed this account through the credit bureaus, but Ally Financial refuses to delete it from my credit report.
Product: Payday loan, title loan, or personal loan

I was told when I agreed to the loan that I could make extra payments at any time to be applied to principal only. I did so, but in fact the detailed records of transactions showed delays in processing, application of consequent late fees and transaction charges. When I paid only the amount owed it worked without a hitch so I gave up trying to save by paying off principal faster. Now I have wrecked the car and am paying off total and I asked for an audit. More than once. And they do not even have the courtesy to reply about my request. It is not much money. I object to the way I have been treated. I believe it may be illegal and I am certain it is not the way to treat good customers.