23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Here are several accounts that need to be removed and updated to accuracy from my credit bureau which have violated my Rights. 

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 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 had full coverage insurance and the bank put lender placed coverage on my property. They then included it in my monthly payment at an inflated rate from {$8900.00} to over {$23000.00} I showed the bank my policy and showed the bank my ongoing coverage of insurance while they purposely foreclosed. The bank paid it's employees bonuses and made illegal profits doing this practice for 15 years as well documented in settled cases in the United States ( of which I was never a party ). I was 1 of the persons to stand up to them and fight them. I tried to settle with the bank back in XXXX and offered them the FULL amount of money owed through my counsel XXXX XXXX minus the XXXX. I have submitted numerous documents and my checks and bank statements leading Wells Fargo lose the case and pay attorney fees. They filed for a 2nd time and then dropped the case. This is the 3rd time they have filed. I have the evidence and have submitted it to the courts through new counsel and XXXX XXXX has passed away since this fiasco started. The damages to my credit and my life are irreparable. I have copies of the bank statements including the {$100000.00} to reinstate the loan and copies of all the bank statements XXXX of cashed checks for insurance and the XXXX for mediation with Wells Fargo. The file is too large to attach on this site. The bank answers these complaints with wanting proof of current insurance and not wanting to settle because they have been trying to steal the property for 11 years. NOT GOING TO HAPPEN. I offered {>= $1,000,000} which the bank turned down because they want to take the attorneys want keep generating fees, the bank wants to steal the property and do not acknowledge the ongoing proven settlement in US courts for the same LFPI helping lead to the financial crisis and home theft by BANKS in XXXX.
Product: Mortgage

Ocwen Servicing Associated Fees on a Loan Reinstatement quote. 
- Military Alive Affividat fee {$10.00} - Dismissal Fee {$230.00} - FC Thru Complaint {$50.00} When a verbal request was given to remove fees, counselor was told that no fees would be removed and that they were all valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my XX/XX/XXXX and experian accounts immediately
Product: Debt collection

the agent/case handler threatened to garnish my wages if I did n't pay the balance off. without a proper court order/judgement they are n't not allowed to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following credit reporting agencies, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They are reporting late payments on the following accounts XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My husband and I get several phone calls daily from Navient ( XXXX ), with whom neither of us has ever had any student loans or debt. Nor have our children or grandchildren, who we've read can also engender calls from Navient, getting parents or grandparents to pay overdue loan debt. There seems to be no recourse for us to stop this, as the phone calls are not manned by a sentient person whom one can talk to. 
HELP!! ( Navient is on our Call Block list, but the phone still rings ( once ) 4 times a day ... in addition to the many other robocalls that come in daily. ) XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for XXXX, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX for XXXX ; Experian for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX for XXXX XXXX. I have filed a report with the FTC, report number # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Product: Debt collection

CBE GROUP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$80.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Hello, I belive this account ending in XXXX was open fraudulently. I have requested the original contract showing the physical signature and information used when opening this account. I never got it. in addition the reporting information is innaccurate. the past due amout is different on each credit bureau.nthe credit amout issued was {$5000.00} this makes the total balance questionable. please look into this, seems to be alot of fishy things going on
Product: Checking or savings account

OnXX/XX/XXXX I purchased an automatically renewing, $XXXX   CD for my minor child from XXXX XXXX of XXXX Ky. On XX/XX/XXXX when I presented this CD document to WesBanco Bank , a successor in ownership of XXXX XXXX (which had been purchased by XXXX XXXX) to cash it, WesBanco told me they would not honor it since it was "too old" and they don't have any record of it. They said they only are obligated to keep records for 7 yrs. despite the auto renewal clause present on the face of the CD. I checked with the KY State Treasurer to see if it had escheated to the state and it has not. I believe this bank has violated its fiduciary duty to me and my son and if banks are permitted to take customer's money without contacting them or giving any kind of accounting to anyone then no citizen's funds are safe! I plan to contact both of my US Senators XXXX XXXX  and XXXX XXXX for their help in this issue also.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a thorough investigation and verification of my account. 
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 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 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 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 been a model customer for wells fargo with a mortgage loan since XX/XX/XXXX. I never missed a payment. 
However, I am currently trying to refi the mortgage by consolidating the existing loan and a home equity loan I took on from them as part of the original package and it feels as if they are doing everything to make it impossibly hard to get through the process. How can this happen for an existing customer. The process is impossibly convoluted, the number of documents they need is unbelievably long. The mortgage consultant is not responsive and caused the first rate lock period to expire and now they are trying to add around {$2500.00} to the loan closing fees. It blows my mind that they do n't simply allow existing customers to just switch to a lower APR and streamline the process. 
We started the process XX/XX/XXXX and we still have n't closed the deal. They even asked me about an address in XXXX I had from when I was a graduate student back in XX/XX/XXXX-XX/XX/XXXX. Just insane how impossibly difficult they are trying to make it this process for me. It sickens me that financial reform did n't manage to fix these banks.
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, who violate the Customer 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 Regulations E. These actions have caused significant inconvenience and financial loss, and ii seek appropriate redress for these violations.
Product: Checking or savings account

Between XXXX XXXX XXXX XXXX  I have been charged a total of {$1200.00} in overdraft fees by PNC Bank, primarily for unpaid items. Despite maintaining what I believed to be sufficient funds and making attempts to manage my account responsibly, these charges continued to accumulate. I am seeking a full refund of the {$1200.00} in overdraft fees charged during this period. 

Additionally, I request a review of my account to ensure no further unwarranted overdraft fees are applied. To prevent future occurrences, I would appreciate it if PNC Bank could offer guidance on maintaining a positive balance and avoiding overdraft fees, including the possibility of setting up overdraft protection or alerts.
Product: Student loan

After waiting a full year for my student loans to transfer from XXXX XXXX to Mohela then an additional 3 months to have my employment certified to reach 120 qualifying payments, I am now having to wait an additional 3 months for Federal Student Aid to review and approve my PSLF. 

Waiting an additional 3 months for loan forgiveness after reaching 120 qualifying payments is very unfair. The PSLF program is suppose to forgive loans after 10 years, not 10 years and 3 months.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ), a personal credit card account opened at XXXX  on XX/XX/year> under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a loan for a vehicle for myself in over 10 years why are they still appearing on my credit report I have no knowledge of that loan. I want a copy of my credit report and proof that it was I that was supposed to be on that loan.Cause me and my spouse are not on the same account as I have removed with her a long time ago.However my spouse and my son did o pop purchase a vehicle in 2018 and I was not involved in that transaction action.However this keeps popping up on my credit report my son and I have the similar first name, So I want a copy of my credit report saying that it was me on the loan. I have been doing a lot of research and Im suspicious of my spouse using my credentials cause I have the superior credit score, And if thats the case I want it removed from my credit report cause I am pursuing criminal charges
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XX/XX/XXXXIn the amount of {$310.00}, Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency 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 by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are several fraudulent accounts were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit card or prepaid card

On XXXX XXXX I discovered my PA Eppicard had been compromised. I reached out to Eppicard and its been horrible dealing with the representative at this company. Im on hold for hours and hours, hung up on and giving conflicting information. Ive submitted in all necessary documents within the requested timeframe and have not been given a provisional credit. XXXX XX/XX/2020 I call in concerning another issue and the representative mentions that there has been no decision made on the provisional credit by the investigator. I advise the representative thats not my reason for the call however since he mentioned I asked how long does the investigator have to decide on if a provisional credit will be issued. The representative explained there is no time frame. I asked to speak to a supervisor because that is not what was explained to me by a level 3 supervisor on XX/XX/2020. She explained that they had until end of business on XXXX XXXX to give a provisional credit. I need to have this resolved. I need to be given correct answers. Per Regulation E, I thought banks had 10 business days to issue a provisional credit. I asked to speak to a supervisor on XXXX XXXX and was transferred to a supervisor by the name of XXXX. Somehow while speaking to XXXX her call disconnected and even though the company has all my contact information there was no return call from XXXX.
Product: Credit reporting

Wrong address on my Equifax credit report. This was from a collections agency who took an incorrect collections off my credit report, but left the address on the credit report. I have tried multiple times to contact the collections agency to resolve this but can not get an associate to pick up the phone. The wrong address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Consumer Loan

This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected. 

Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}. 



Please contact me directly @ XXXX if you have any further questions or concerns. 



Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept. 

XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''