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

On XX/XX/17 I spoke with banker trying to refinance loans and cars. The credit from XXXX XXXX did not reflect the same with XXXX XXXX XXXX. From the XXXX side my score was XXXX From XXXX XXXX it was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX, XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$2800.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX 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 reporting 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 the XXXX XXXX XXXX. 

XXXX Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

The disputer letters were sent on XX/XX/2024 and nothing was removed and no follow-up letters were sent to me as well XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX XX/XX/2024 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 an unauthorized transaction was completed from my savings account to my checking account in the amount of {$5200.00}. The amount of {$5200.00} plus an additional {$3000.00} that I had in my checking account equaling a total amount of {$8200.00} was then wire transferred to a XXXX XXXX account under the name of XXXX XXXX XXXX with a memo claiming " Boiler Repair ''. This transaction was done without my knowledge or approval. 

I have had two declined claims from Chase and am currently in the process of a third claim with Chase 's executive office ( claim # : XXXX ). I would like to claim the transactions between accounts and the wire transfer as fraudulent and unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XX/XX/2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XX/XX/XXXX did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX my husband made a {$5000.00} payment on our USAA credit card on the USAA mobile app. I can see on the mobile app that the XXXX was applied because my card balance dropped by {$5000.00} from the last statement issued on XX/XX/XXXX. My available credit should be approximately XXXX ( verified with phone agents XXXXXXXX XXXX XXXX  and XXXX # XXXX ) yet a purchase of {$100.00} was declined due to lack of available balance. After 50 minutes on the phone with XXXX and repeatedly put on lengthy holds so she could research and fix, XXXX escalated the call to a member services specialist ( XXXX ). After being on the phone for 1 hour and 33 minutes Im nowhere. XXXX said she can see the {$5000.00} on the transaction history but the money did not credit to my account. I can see my balance changing on the phone app, reduced by {$5000.00}. I asked XXXX to escalate to a supervisor and she refused, stated supervisors dont take calls and I have no other resource than a research ticket. The only way XXXX would put in a ticket to research is if I proved the money was withdrawn from my bank account. I certainly understand providing proof of payment IF the payment was made by check or I somehow pushed the money to USAA. BUT, given this {$5000.00} payment was made on THEIR mobile app, why cant a customer service representative open ticket to find out why the payment made on THEIR app is on the transaction history but didnt get credited. Why wont USAA research to find out why their mobile app is not crediting this payment- if the payment wasnt credited then their app is not working properly. And I do not believe the money wasnt applied, if it wasnt the balance on the app would not have been reduced by {$5000.00}. This may be a case of untrained agents. Im also asking for an email address to send a presidential complaint and Im told there is no email for a President complaint and I can only make a complaint with member services. Total time on the phone was 1 hour and 40 minutes.
Product: Mortgage

XXXX XXXX has announced a COVID program and apparently given no guidance to mortgage servicers [ Wells Fargo in my case ] XXXX XXXX XXXX own website talks about forbearance and does not define it. 

eg are skipped payments added to the end of the loan? 

are they due at the end of the forbearance period? 

will I be forced to refinance/loan mod? 

Is interest still accruing? 

will servicers use this as an opportunity to assess fees on top of a balloon at the end of the deferral period? 


Please encourage mortgage servicers/XXXX XXXX to clarify what they are offering!! and pressure servicers to give real information to borrowers
Product: Credit reporting or other personal consumer reports

It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - Transunion, XXXX, & XXXX are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.
Product: Mortgage

My ex husband was awarded the property in our divorce. Although he was awarded the house in the divorce, he has never transferred the mortgage loan to his name and apparently has no intention to. The loan is in my name only. His name does not appear on any documents on this loan. However, Im sure he has some rights because his name is on the deed. The loan is in default for non payment and set for foreclosure. My ex is now going to modify the loan which Provident is telling me he can do without my consent. Once again, his name is nowhere on this loan and never has been. Provident is going to let him modify this loan for the second time without my consent! 

I contacted Providents legal department about a year ago because my ex kept changing the contact information on the account and eventually blocking me from logging in to the online account. I was told by the legal department that he could call in and change contact information but it was illegal for him to block me from access to the online account. I have set up a call in password and requested that it be asked for every single time a call is made. Sometimes they ask and sometimes they dont. We went about a year with no changes to the account and I was able to log in and keep an eye on all activity. Just recently I tried to log in to the account and was denied access. When I called Provident I was told that all the information had been changed by my ex. AND that it was perfectly legal! 

Provident Funding continues to report negative activity against me to the credit bureau. 

Please advise me how to elevate this complaint as it is clear that Provident violated their own privacy policy.
Product: Credit reporting, credit repair services, 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 XXXX5 USC 1681.Verifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHave 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 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: Mortgage

I have a FHA loan through Penny Mac. I orally requested for 180 day forebearance plan under the Government Cares Act, and before the initial 180 days expired, I orally requested for an additional 180 days. My initial 180 days allegedly expired on XX/XX/XXXX. I received an unscrupulous and unlawful XX/XX/XXXX letter from Penny Mac titled, " Notice Of Default And Intent To Accelerate ''. The letter reads as follows, " This letter is a formal demand to pay {$8600.00}. '' " And Penny Mac may invoke any remedies provided for in the Note and Security instrument, including but not limited to the foreclosure sale of the property. '' " This letter is formal notice by Penny Mac Loan Services, LLC that you are in default under the terms of the documents creating and securing your loan. '' " The loan is due for  XX/XX/XXXX and subsequent payments, plus late charges, and/or any escrow balances, fees and cost. '' " As of today, the total delinquency and reinstatement amount is {$8600.00}. '' My FHA mortgage is under the forebearance plan, and it's unlawful under the Federal Cares Act to receive a default letter from PennyMac, while I'm under the forebearance plan. I'm not required to pay any mortgage payments, late fees, or penalties during my forebearance period. Lastly, I have an audio recorded conversation with Penny Mac 's representative, stating that Penny Mac have honored my second 180 days forebearance plan, and never stated that my loan is in default or delinquent status. I will be more than happy to provide the recording to CFPB upon request.
Product: Credit reporting or other personal consumer reports

Address History : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX , MA XXXX Do not know these address and i'm not familiar with either one of the and they need to by deleted off my consumer report
Product: Vehicle loan or lease

On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX ( XXXX ) is not licensed to debt collect in Pennsylvania. I have sent them sever XXXX 's however the are still furnishing innaccurate informtion on my report. No such records with my signature have been provided. These accounts were opened fraudelenly and your reporting of this information is fraudulent as well. I was never contacted. Pleae provide proof other than words of how nd when I was contacted, I have disputed this several times. There is no contract between me and XXXX I am going to file an ftc report and contact my lawyers immeditely.
Product: Checking or savings account

Navy Federal Credit Union continues to charge me ridiculous amounts of fees allegedly due to returned check fees but I have no checks and dont give out my account number to anyone. I previously filed several complaints against Navy Federal Credit Union about this same issue. I have been charged a returned check fee every month in spite of not using this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER CONSUMERUSA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Vehicle loan or lease

My vehicle was repossessed back in 2010 and I wasnt offered a lower payment to try and keep my vehicle or anything. And it was under ssn number XXXX. Dont even remember account numbers or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried today from transunion and XXXX to get my credit report.They tell me my information is incorrect or there are some kind of technical difficulties. I have not been able to get my credit score or a report for about 5 years. I want to see what debt I owe and what my score is but I can not obtain the information. I have tried every year and they continue to tell me something is in error. Please help me get my information it is my legal right. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was locked out of my Coinbase.com account. This happened for no reason and I have called the company multiple times with no resolution. Coinbase customer service themselves admitted that it was a " mistake '' and shouldn't have happened. However, 4 months later my account is still locked and they will not unlock it. I can't even speak to anyone other than a general customer service rep who states the same rehearsed lines. I have called them 5 times, emailed numerous times and can not get any form resolution to my problem. My {$3900.00} dollars has been locked up, or may be gone completely, they can't even confirm, for over 4 months with zero help from them.
Product: Debt collection

I have received several phone calls in from Convergent regarding a debt that they are n't suppose to be collecting upon. This debt was due to ID Fraud. XX/XX/2015 I sent XXXX a FTC Affidavit and a police report which I have attached to this report. I am not responsible for this debt and I would like convergent to stop trying to collect on it and they have also made an inquiry into my credit report which they had absolutely no authorization to do such.