23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I found fraud activity from XXXX  total of {$2700.00} and one for {$2000.00}. I filed a claim with bank of america. It was fraud! And those amounts taken by me wasn't even XXXX  under my legal name! I found out it was a person name XXXX XXXX. They didn't even investigate or anything if they did they would find out the person who stole my money using my debit card using XXXX  was not me! The bank denied my claims and left my broken and struggling! This is not right! I want what is mine and my money back!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed
Product: Vehicle loan or lease

My son and I had a joint loan financed through Ally Financial Acct # XXXX for a XXXX XXXX XXXX. My son was involved in an accident in XXXX of XXXX. We informed Ally Financial and stated that the insurance would pay and settle the account so Ally provided an extension, ( see Attached letter ). Based on the next letter, My son 's insurance paid for most of the balance, and we received a letter on XX/XX/XXXX stating that clam settlement did not pay the entire amount. ( see attached letter ). We called our gap insurance company who stated that they paid the balance of the insurance that was not paid. We spoke with Ally insurance and told them it was paid, after further back and forth conversation Ally said they would look into it. We then received a letter from Ally indicating that they received the funds and it was misapplied and apologized for the error. On XX/XX/XXXX, we have been harass by Ally indicting that our account has not been paid, In addition Ally, has now reported it to the credit bureau a negative account and our credit scores dropped significantly by 30 points. I am furious about that as I am unable to obtain new credit. I want my credit score reversed back and I want to be compensated due to the stress it has caused me. I worked hard to get my scores up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navinet has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX College XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against Navient also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Home Mortgage has reported 4 late payments on my credit report to XXXX and Transunion. I have submitted a dispute to each of the credit bureau 's but the results came back the same. XXXX XXXX refuses to remove the late payments despite proof of payment for XXXX of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with XXXX XXXX. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XXXX - XX/XX/XXXX ) and while I began my trial mortgage payments ( XXXX - XX/XX/XXXX ) XXXX XXXX reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even XXXX XXXX, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with XXXX XXXX under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. XXXX XXXX is impacting a VA benefit that many work hard for and at a high price.
Product: Checking or savings account

Solar loan for the company that abandoned the job was serviced by good leap. It has been XXXX mos since paying the loan. I asked to pause the payments but never happened, they hsve not given me option they assigned a new solar company to finish the job. But i want to find the solar company that i prefer. 
It's funny not to make the choice of who to hire.
Product: Credit reporting or other personal consumer reports

ooked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I also attached document proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted an account off my credit report and added it back. under FCRA section Part ( A ) ( 5 ) ( B ) ( ii ) if the credit bureaus re-insert a removed item from your credit report without notifying you in writing with 5 business days they can be sued for consumer protection afforded by the FCRA for {$1000.00} They also re-aged the date of last activity on this account and under FCRA 605 ( C ) running of the period, this is an FCRA violation also punishable by {$1000.00} in fines
Product: Debt collection

XX/XX/2023 {$1400.00} I checked my credit report, and noticed a deragotory remark. It a collection from Harvard Collection agency. My complaint is, the collection agency didnt send any written correspondence to me, via mail, before putting this on my credit report. They did not offer me an opportunity to take care of this before sending it. I thought companies are suppose to at least send you some type of information before taking this drastic step.
Product: Debt collection

The account belongs to my uncle who has passed away almost 4 years ago. The amount XXXX is not mine and should be removed from my credit report. The owner it belongs to is XXXX XXXX which has passed away. I have disputed this on the credit report and santander usa has not ask for it to be removed.
Product: Money transfer, virtual currency, or money service

Coinbase allowed a criminal to withdraw {$1100.00} from my account on XXXX XXXX I found out via email XXXX hours after the transaction. They said they can't do anything evwn though the transaction number of the withdrawal is present. I believe Coinbase is hiding information and it was an inside job. Coinbase is a criminal enterprise and they owe me {$1100.00}
Product: Debt collection

As of XX/XX/XXXX, I was reported by LVNV FUNDING LLC. As a debtor of a fraudulent debt that was opened using my partial personal information, inXX/XX/XXXX I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

RentDebt Automated Collections have been reporting this account as if it is an open account when it is closed in the hands of a Debt Buyer. They are reporting it as an installment account with a one-payment term and a Past Due Balance. They have reported to one of the Credit Bureaus a Maximum Delinquency date of XX/XX/XXXX but the reality is they obtained this account XX/XX/XXXX. The information RentDebt has reported for 4 years has caused financial setbacks due to this inaccurate information.
Product: Debt collection

I have been receiving phone calls from a debt collector telling me that I am going to be to served at work and possibly taken to jail. When I call the number given, I get connected to very rude " employees '' with vague information. All they can tell me is that I got a payday loan in 2009 for {$400.00} that was never paid back. They claim the loan has grown to {$800.00}, but they can accept a lower payment over the phone and this will all go away. I asked them to identify themselves and all they can tell me is their company name, MAC ... ( 1 ) I would never apply for a payday loan ( 2 ) I would never give my credit card number to some random person that called me on the phone. 
This person had my social security number and an old address, but no recent information. The only way they got my phone number was by contacting my brother. 

The phone number I 'm asked to call is XXXX # XXXX
Product: Credit reporting

After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history.
Product: Credit card or prepaid card

On XX/XX/22, Discover lowered my credit limit from {$30000.00} to {$900.00}. I called Discover on XX/XX/22, at XXXX XXXX. XXXX, the representative, advised that a soft pull was done on my XXXX consumer report which I did not expressly authorize in writing, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I advised her that Discover had violated my federally protected consumer rights.

Discover 's actions in reducing my credit card limit from {$30000.00} to {$900.00} is discriminatory and in violation of federal law. Specifically : 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ), and 15 USC 1681b ( a ) ( 2 ). 

XXXX said promised that a supervisor would call me back within 24-48 hours. It has been 72+ hours and I have not heard back from Discover. My rights have been violated and nobody has tried to assist from Discover. I have suffered harm, injury, and emotional distress from this situation.
Product: Vehicle loan or lease

On XX/XX/2022 my brother and I was extended credit by Wells Fargo auto and we signed a fraudulent auto loan contract at XXXX XXXX XXXX. At the time we weren't aware of the fact that the contract was a fraud due to the fact of them willfully and purposely withholding information for the purpose of their self benefit and gain. Wells fargo auto/ XXXX XXXX XXXX failed to disclose to us the finance charge inconspicuously. They never even mentioned a finance charge to either of us as they rushed us through the contract to sign and keep signing. This Violates the Truth in Lending act along with a line of many different criminal charges. As soon as we were aware of this which was two years later in XXXX we immediately sent them a Notice of Rescission of Signature/ Notice of fraud on XX/XX/2022 where we explained to them what happened and that they needed to resolve this matter. 15 U.S. Code 1605 Determination of finance charge states that in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss meaning that they were responsible to cover the total amount of the Auto insurance premium for the entire life of the contract. Instead they made us responsible to cover the cars insurance separately. This is illegal and fraud. 

They also failed to disclose the right to rescind via mail/ email. 12 CFR 226.15 - Right of rescission sec ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts must be DELETED. Experian has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Experian is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

XXXX ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXXl XXXX auto XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. Experian is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Experian showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Experian must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized inquires on my TransUnion credit report that I want removed immediately. The details are included below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have asked them numerous times to stop calling my place of employment. They are calling numerous times a day and telling co-workers that they need to speak to me about a very personal debt issue. They have been asked by my supervisor NOT to call here but they continue to call.They are also calling me at XXXX and up to XXXX and they call in upwards of 10-15 times a day. I may lose my job if it continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have no idea, why Experian has been mentioning hundreds of soft inquires in my credit file. I have taken Experian membership, checking myself by logging into my account and paying every month to check my credit and protect Identity. As and when I run credit report, I have seen the soft inquiry of " XXXX XXXX XXXX '', " XXXX/XXXX XXXX XXXX '', " EXPERIAN '', " XXXX XXXX '' and " EXPERIAN ''. I ran the credit report dated XX/XX/2018 and got to know that Hundreds of soft inquiry on my credit file by above mentioned companies. Could CFPB kindly direct to explain the reason of above mentioned company inquires, who are they and why my credit file has hundreds of soft inquiries by above mentioned companies. 
My credit file should have only inquiries related to me and only my Experian self check credit report and inquiry date. I have no idea, why these companies have hundreds of soft inquiry on my credit file and Experian must answer all these soft inquiries in my file.
Product: Credit reporting

XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.