23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filled out three XXXX  Notes Negotiable security agreements I sent them each time XXXX XXXX to NATIONSTAR MORTGAGE LLC dba MR. COOPER. 
As these are securities and are issued by me as my Rights, Tittle 's and interest in the property that the corporation has accepted and not returned them to me or processed the instruments for value received is a breach of contract. As these securities have a cash value and can be traded for federal reserve notes in accordance with the Federal Reserve Act Section 16 paragraph 1-4. Also, the under title 12 USC 412 Application of notes. I Tender three negotiable security instruments which are obligations of the United States Treasury and XXXX XXXX XXXX XXXX has Fiduciary duties to process or return them with a valid reason why the instruments are being dishonored. The three instruments have a value of XXXX XXXX XXXX. Title 12 USC 1813 ( l ) the term Deposit The promissory note when deposited is Money or its equivalent and must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for drafts or checks.
Product: Vehicle loan or lease

Me and my ex-wife went to the car dealer and the salesman said that all I had to do was called finance company and have my ex-wife put on the loan so she can be authorized to the account because the car was for her I've never had a major purchase like that and I didn't know I was naive to the fact when she didn't make her payments they came and took the car at which at the time the finance company knew that I was no longer living in New York with her my divorce was final XX/XX/2019 now this car is on my credit report they got their car back and I want to know what can be done about the situation. The salesman lied and now I'm being penalized for it thank you
Product: Debt collection

EOS CCA is a third-party debt collector for student loans that has been excessively calling me on my cell phone multiple times a day ( a regular  schedule would be at XXXX, XXXX, XXXX, XXXX, XXXX, in a single day ). After I asked them over the phone to stop calling me on my cell phone, they began to call me on my direct line at work ( starting at the beginning of XX/XX/XXXX ). I informed them that I was not allowed to receive personal phone calls at work and asked them not to contact me on the number any longer. They continued to call me at that number, despite being told that I was not allowed to answer personal calls. They also began calling my companies general telephone line looking for me and stating that they were calling to resolve " outstanding financial debt matters. '' They were again told by our receptionists that employees are not allowed to take personal calls at work ( they were told this in XX/XX/XXXX ). It is now the end of XX/XX/XXXX and they continue call both my direct line and my company 's general line on a daily basis, multiple times a day. EOS 's  failure to follow federal debt collection practices is now jeopardizing my employment and could cost me my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX financing and no one else. A month or so later I find that Capital one shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with Capital one auto financing and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, XXXX, XXXX Has Failed to comply with their own credit company policies in a timely manner.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union lowered my personal credit rating which has affected my credit score. The only changes that have occurred are 10 hard inquiries for credit WHICH I DID NOT AUTHORIZE. 
After contacting TRANS UNION and speaking to someone who barely spoke English I was told they could/would not allow me to dispute credit inquiries ( which XXXX does ) I have NOT authorized these 10 inquiries and therefore want them removed or show me where I authorized them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/XXXX disputing the claimed debt from LVNV Funding LLC- In my requests I asked for validation of the debt and the signed contract to verify the agreement. The company, within 30 days, has failed to comply or remove damaging information from my credit report. 

The unvalidated debt for {$670.00} remains on all three of my credit reports. It is now XX/XX/2021 - and despite my two attempts to dispute the unverified data and request for proof of validation, remains ( 18 days past the limitations ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  services account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX have violated my rights 15 u.s.c 1681 section 602 A States I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2.It also states a consumer reporting agency can not furnish an account without my written consent 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 the record of convictions of crimes which antedates the report by more than seven years. 15u.s.c. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information reating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I have not been able to log into my Coinbase account for two days. After following the recovery steps, I get a we are experiencing connectivity issues page, or your account is temporarily disabled message. They claim to have specialists working on the issue. 
I have researched this site and have seen dozens of people stating that they have been locked out of their accounts since XXXX or XXXX. There is no phone number to call for live support. My case numbers are : # XXXX and # XXXX.
Product: Debt collection

My name is a XXXX XXXX business and my business is copyrighted and trade marked I didnt give them permission to use my copyrighted trade marked business on anything as such
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX Santander offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. Santander would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. Santander needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if Santander offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX and XXXX, I have made a wire transfer to people I do not know as part of a supposed cryptocurrency investment I discovered online. I transferred using XXXX XXXX  XXXX XXXX checking account for {$2000.00} and {$5000.00} respectively to XXXX different Wells Fargo XXXX XXXX XXXX : Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : XXXX XXXX  XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX Account Name : XXXX XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX Realizing I may have been scammed as the promised return was $ XXXX for initial investment of $ XXXX plus $ XXXX transaction fee plus $ XXXX XXXX  to cash conversion fee, I called Bank XXXX XXXX XXXX XXXX  to recall my $ XXXX wire transfer. After XXXX business days still no response from Wells Fargo. i did further check on the address of the said business checking accounts and it points to a vacant lot which is quite surprising as I thought there is much tighter bank scrutiny for business checking accounts. The fact that Wells Fargo is not cooperating with the investigation means they are not putting prime importance on bank fraud and scams and they are being instruments for these malicious individuals to prey on unsuspecting victims. I hope to be able to recover the full amounts I have wire transferred ( $ XXXX ) as the others were via XXXX with no protection whatsoever from these types of scams
Product: Checking or savings account

I had 9 CD accounts with XXXX by Goldman Sachs. The company closed my accounts without my permission. This was on XX/XX/23. the amounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XX/XX/23 I was told, I would get a check in 7 to 10 days. OnXX/XX/23 I was told, the money was on hold. On XX/XX/23, I was told, the money would be sent back to my bank account, they then said the money was to The State on Pa. The State of Pa. say they have no record of this. I was not given any reason for the closing of the accounts, or sending the money to The State of Pa.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

TransUnion said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I have previously and recently disputed the following accounts on XX/XX/year> and again on XXXX with Experian : XXXX XXXX of XXXX that starts with Account XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i , I asked them to remove the negative payment history.This information came back as verified and updated and was never updated. 

XXXX XXXX Bank XXXX XXXX starts with Account XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. From the last dispute it came back as updated with a different close date and an additional late payment which is all different from a previous dispute on XX/XX/XXXX results said verified and updated and were never changed which is a direct violation of the credit bureaus duties. 

XXXX Bank that starts with XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. I also advised that this account was closed but still actively reporting me as delinquent. 

XXXX XXXX that starts with XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. From the last dispute it came back as updated with a different close date and an additional late payment which is all different from a previous dispute on XX/XX/XXXX results said verified and updated and were never changed which is a direct violation of the credit bureaus duties. 

XXXX XXXX XXXX XXXX starts with XXXX and stated that this account has never been late and asked for proof of the late payment made and if they could not produce per US 15 1681i, I asked them to remove the negative payment history. This account is also reporting as a charge off with a balance and is involved in litigation as well. On XX/XX/year>, this account was verified and updated with completely different information than the XX/XX/XXXX results.
Product: Checking or savings account

On XX/XX/2019, I deposited {$1900.00} cash, at the ATM drive through located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, for which I did receive a receipt of the transaction and later discarded. On XX/XX/2019 upon accessing my account via mobile app. I identified that the transaction I made on the night of Fri. XX/XX/XXXX, didn't reflect on my account. After several failed attempts of speaking with a live banker at the mentioned location, I contacted BOA Customer Service and filed a complaint # XXXX, informing them of the above. I went to the extent of informing the agent that when I attempted to use the 1st ATM, it stated it was not accepting deposits therefore having to use the front ATM. Today, I received a notification stating that the claim was closed and while they were successful in locating the transaction, they could not locate the cash for this transaction. As a result the monies I was credited ( {$1900.00} ) will be taken from my account. This is absolutely unacceptable and needs further investigation i.e. video footage, copies of transactions during the time of my deposit etc. I've made many deposits at this bank location in similar amounts without incident. This is one error that can not be overlooked. Please assist with further investigation as this is a major error on BOA behalf. Regards
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Debt collection

Portfolio Recovery A is harassing me and according to 15usc 1681a2 I did not give them written permission to have those accounts furnished on my report. It is reflecting negatively on all bureaus and I want them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these item several times. I know without doubt that these companies do not have proper documentation saying these accounts are mine. But that is not the only reason for writing/complaining today. The account is being reported with XXXX on two different accounts. One as XXXX ... and the other as XXXX... The account numbers are the same. The amounts that they are reporting differ. And the opening dates don't match. With Transunion it is reported under three different accounts. XXXX  / XXXX  and XXXX  for another amount. Please help to remove these accounts. As they are not mine and reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

My husband and I boh have an account with Wells Fargo as well as our joint account. My husbands account became over drawn on XXXX XXXX. On XXXX XXXX Wells Fargo exercised their 'right to off set ' by withdrawing the overdrawn money from our joint account to cover the beg balance in his personal account. ( I understand this and I 'm fine with this ) the problem is that at this time our joint account did not have enough funds to cover this it actually only had {$20.00} in it but they still took {$240.00} out, overdrawing the account. That transaction posted immediately and now they want to charge my overdraft fees for the transaction that are pending BUT was made while I actually had money on the account. It seems to me that the right to offset should actually serve the purpose of off setand by making XXXX account t posit XXXX only to make another negative so you can then charge more fees seems illigal to me. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account for navy federal for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with navy federal except a checking and savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Needing my fraud alert removed from my personal credit report. 
ID is attached SSN is attached proof of address is attached.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report from TransUnion, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted TransUnion to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is aggravated identity theft! I did NOT authorize these entries on my consumer report as I did not apply for it. Additionally, the entries in the attached dispute letter are not providing any perk, product or service. Please remove it from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I made a withdrawal for the amount of XXXX from coinbase on the XX/XX/2017 and i still have n't received it XX/XX/2017 which is way past the date advised. i have tried to contact them via a support ticket and XXXX but they have failed to respond, its seems many people are having the same problem and i worry they may be struggling with liquidity problems.
Product: Credit reporting or other personal consumer reports

My right to privacy is being both violated and disregarded. I never authorized this information to appear on my credit report, nor did I consent to its disclosure in this manner. As a consumer, I am fully aware of my rights, including the right to privacy and the expectation of accurate reporting. The information being reported on my credit file lacks the highest standards of accuracy, further infringing upon my rights. This incorrect and unauthorized reporting is damaging my XXXX XXXX, resulting in negative effects on my financial well-being and overall quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze and order my credit score, credit report, and correct the many errors. 

I could not complete the transaction to protect my credit, I have experienced identity theft and charges to my bank. Why do these agencies make billions selling lies about consumers. 

Why are insurance companies allowed to use a credit score that fluctuates like the wind blows for pricing insurance? 

Why did the government allow banks and insurance to merge causing the 1998 crash of the economy and what are you doing about it now. 

XXXX XXXX company allowed me the make payment arrangements, I paid before the due date promised. I still was turned over to collection agency affecting my credit. I want them to remove it and write me a letter confirming the removal from all 3 ( or ALL ) unfair credit reporting agencies. 

The credit reporting agencies are reporting debts that are over the allowed time period on my reports. 

I was denied HOUSING because of their unfair reporting practices. 

I am XXXX and a XXXX XXXX that demands a government to protect me from credit agencies, insurance practices, real estate INFLATION, and banks.
Product: Credit reporting

please remove this account it over 7 years so please. i have ask all XXXX credit reporting agency to remove to no evail.this account was open in 2007
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report that should not be on there are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my credit score below where it suppose to be.