23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2024. I met with my ex-wife to pick up my kids. We agreed to meet at PNC Bank on XXXX XXXX XXXX, XXXX, MD XXXX to handle the funds on a check issued from XXXX XXXX XXXX. The check was issued by XXXX XXXX XXXX for me, the primary vehicle owner & my ex-wife the secondary vehicle owner for {$10000.00}. The representative asked to look over my license, which I didn't understand why she needed to, & she said were good to go. Before driving away from the premises, I went back in to ask why did she only need to review my license. She mentioned that it was for the check that I signed. I told her, maam, I never singed that check. My ex-wife forged my signature & ran off with the full {$10000.00} when there was supposed to be {$5200.00} for both parties. My name was on the check as the primary holder & my ex-wife name as the secondary. 


I am uploading the photo that I took of the check with the forged signature from my ex-wife, also, an image of my handwriting & my correct signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair act credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the rights of privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account ( Apple Card ) directly with Goldman Sachs around XXXX due to having several issues regarding GS 's incorrect reporting of my SSN and poor customer service. Once they froze my account for illegitimate fraud without my consent, I decided to close the account for good as that was the final straw. In fact, Apple even gives me the option to apply for the card again which means that the account was closed ( see supporting screenshot. However, the account still shows up as open on my credit report, despite submitting a dispute with  XXXX XXXX already. I need this account off of all of my credit reports completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's Data Breach in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on 01/13/20 in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated . 
Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.
Product: Checking or savings account

My account was with Bank of America, on XX/XX/22 {$5000.00} was transfered out of my account to an unknown account, without my knowledge or permission. 
I called and filed numerous fraud claims with B of A. 
Their response was that the funds were transfered to a " paired '' account. I explained I had no other accounts, and believed my account was hacked. The bank would not provide info regarding where the funds were transfered to. 
The bank has also refused to return my funds.
Product: Payday loan, title loan, personal loan, or advance loan

Reached out on XX/XX/XXXX to revoke XXXX, they asked for additional information which I provided, they delayed the process until XX/XX/XXXX to tell me its within 3 days of a withdrawal ( which they have not taken in XXXX weeks now since the checking account is non active ). When I informed them of my rights as a consumer they said they can not and will not revoke the authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

Account #   XXXX   I have been a Navy Federal Member since joining the Military in  XXXX . While in the military I was approved for a {$4000.00} line of credit with your company, I strongly believe the employees at Navy Federal saw me as fresh meat and prowled on my ignorance when it came to credit at that time. While having the account there were times where my bank card would be shut down due to non-payment, I had no issues making my payments while enlisted so I am not sure why that happened. When I would call customer service they would state that my bank card and account was locked until I made a payment. Mobile banking was also not an option for me when this would happen. I would go to the store and try to make a purchase and my card would come back declined, totally embarrassing. I transitioned out of the military and I did not gain steady employment until XX/XX/XXXX  and my first paycheck was completely drafted from my account by navy federal, my plan was to begin payments as soon as I got paid but not my entire paycheck, I was mortified that this happened to Me. This account has been a nightmare since I opened the account. I did n't realize this was an institution that tricked their consumers in to credit accounts with first giving them knowledge. The young lady who opened the account pressured me to open this account because she fed off of the fact that I did n't have any credit and did n't know anything about it. I was also a victim of the lawsuit against navy federal practicing unlawful tactics to scare their consumers.
Respectfully,   XXXX   XXXX
Product: Debt collection

I am filing a complaint regarding Midland Credit Managements failure to validate an alleged debt and their continued inaccurate reporting to the major credit reporting agencies ( XXXX, XXXX, and XXXX ). The debt, associated with account number XXXX in the amount of {$1600.00}, has been reported as a charge-off to all three bureaus, yet Midland Credit has failed to provide validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

On XX/XX/year>, I formally requested validation of this alleged debt, which includes : The name and address of the original creditor. 
A detailed account statement showing how the amount of {$1600.00} was calculated. 
A copy of any contract or agreement that obligates me to pay this debt. 
Despite this formal request, Midland Credit has neither provided the required validation nor ceased reporting the unvalidated debt to the credit reporting agencies. Their continued reporting of the debt violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting must be accurate and verified. 


This ongoing inaccurate reporting has caused me financial harm, including damage to my credit score and the inability to obtain necessary credit extensions, which is affecting my day-to-day financial obligations.
Product: Credit reporting or other personal consumer reports

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that XXXX, XXXX and Transunion pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.
Product: Vehicle loan or lease

Santander Consumer USA inc . 
Date opened XX/XX/XXXX Original loan was for {$17000.00} I put a {$1000.00} down payment which would leave a remaining balance of {$16000.00} Plus my monthly payments were {$450.00} My monthly payments do not reflect a lowering balance after each payment. 
After the car was repossessed it was then resold. I was never provided the additional paperwork for these details of car sale. The car sale is not properly reflecting on the remaining balance. 
I have tried to reach out to the company and they do not send any documents legally required during any transaction regarding this vehicle. 

Santander Consumer USA Inc. ( Santander ) has been involved in multiple legal actions and settlements related to consumer laws, including : * Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a consent order against Santander for violating the FCRA and Regulation V. The CFPB found that Santander provided inaccurate or incomplete information to consumer reporting agencies ( CRAs ) between XXXX and XXXX. Santander was required to take steps to prevent future violations and pay a {$4.00} XXXX civil money penalty Please Remove Santander XXXXXXXX XXXX From my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX Experian verified and an validated this account XXXX XXXX XXXX XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Experian had more than enough time to validate this which they failed to do so on more than two occasions violating my consumer rights I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of account from my consumer report, XXXX already removed this account due to the following inaccuracies, date of last payment states XX/XX/XXXX but payment status says payed after that XXXX states that the last payment was XX/XX/XXXX both are inaccurate this account is still reporting inaccuracies after reinvestigation which Im providing proof of. I have attached copies of the Federal Trade Commissions Identity Theft Affidavit, and I have also filed a formal complaint with the Federal Trade Commission ( FTC ). The complaint reference number is [ Complaint Reference Number ]. Additionally, I have reported this identity theft to the XXXX XXXX POLICE DEPT and I have obtained a police report number, for the case. According to applicable consumer laws and the FCRA, I demand the prompt deletion of these fraudulent items from my credit report. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. Furthermore, I am exercising my right under the FCRA to request a free updated copy of my credit report. Please ensure that this updated report reflects the removal of the fraudulent accounts. Any charges for this report should be waived in accordance with the law. Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past six months. This will help prevent any further dissemination of erroneous information. Please be advised that, unless you can provide verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws.
Product: Vehicle loan or lease

Different items were added to my car loan without my knowledge and my vehicle was repossessed
Product: Checking or savings account

My account was pending closure with US BANK so I went into a branch they didnt explain why and told me they could not help me afterwards they ( the branch ) closed my account and before they did they withdrawed money from it illegally
Product: Credit reporting or other personal consumer reports

Upon reviewing your consumers report I found multiple accounts listed that do not belong to me. I do not know who these companies are that's reporting nor do have I given anyone my personal information. Here are the accounts listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking that they investigate errors on my credit report. As I understand it, they are supposed to respond to this request within 30 days. They have not responded.
Product: Debt collection

This debt occurred while having a XXXX XXXX XXXX at age XXXX. My previous XXXX had XXXX and as a result my XXXX XXXX XXXX at XXXX year XXXX XXXX. 

The staff of XXXX XXXX XXXX 's office - XXXX XXXX 's XXXX, were very insensitive to my XXXX and XXXX. They treated me like I was XXXX, XXXX  me and ignored my concerns, instead of treating me with the human dignity I deserved. My concerns were valid. I even wondered if because I was of a different culture than this entire staff if that is what presented such a barrier with how wrong this went. 

As a result, I ended the relationship as a very dissatisfied XXXX and moved on to an XXXX who could provide the necessary care to me and XXXX XXXX XXXX. 

XXXX XXXX 's XXXX received payment from my insurance company for goods and services they did not fully render. The balance here is what was remaining unresolved, as all of my past attempts at resolution failed.
Product: Credit reporting 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 accounts 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 accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect personal information in TransUnion, my Name is XXXX XXXX as You can see on my driver license and work authorization. Please fix this problem as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account is being reported although I have advised XXXX this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my Equifax although I have disputed this information several times as a fraudulent account. 

XXXX XXXX numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX
Product: Student loan

I have a couple of different loans through the loan company Navient, any time my payment is more than a few days late, they begin calling. They call from a variety of numbers, from various area codes. It hasn't been bad, until today, when I received Eight calls in a 24 hour period ... I would argue that it is harassment. I have since blocked their number, and tried to call them regarding the number of calls. They were closed, but the time I called them back. They have left voicemails in two of the last 8 calls. I'm curious if this meets the standard for harassing phone calls. Thank you.
Product: Consumer Loan

I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX I was paying notes and I got into an accident and they totaled the car and they was supposed to to take this car off my credit report. 

XXXX XXXX XXXX XXXX I dont remember ever opening an account here XXXXXXXX XXXX XXXXXXXX XXXX XXXX I DONT KNOW KNOW WHAT THIS IS! 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This isnt my account my dad is the primary owner made all the payments I was added on when I was in XXXX  it should be on his credit because I never used it at all and it was to help my credit or help his but this account was made under my father
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit reports that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try since XX/XX/XXXX to have an accurate credit report with equifax. 

They act like syndicate, no reply, wrong information and they dont care! 

Its my last request before to ask my lawyer to ask for damage because this situation has impact my life financially and its always with equifax! 

I ask you to report the right way my account loan : XXXX XXXX open XX/XX/XXXX in good standing 5 payment on time of XXXX $ Balance XXXX . 

I ask you to update and respect the law! 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.
Product: Credit reporting 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. 


Account XXXX : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.