23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I wasn't exactly sure the problem to select, because my situation isn't really covered under any selection. My car loan was financed through Huntington Bank. I unfortunately also bank with them. I was rear ended, and my car was totaled. I stopped making the payment because I am self employed and use my car for income. They told me that I had to catch my payments up before they could stop payment or anything. They weren't willing to catch my payment up with the totaled out payment from the insurance either. 
After the payment from the insurance company my balance was lowered to {$2100.00}. This is including interest and late fees still accumulating on the actual balance. They didn't take me to court or send any certified mailing informing me of their plans of garnishing the entire balance out of any of my accounts that I have with them. I have XXXX accounts with them. XXXX of those accounts are with my children. XXXX of my children has a cognitive XXXX. The othe one was a savings account that was opened when he was a minor that he uses as his main account. Right now he is on XXXXXXXX XXXX XXXX after an injury at work. On XX/XX/year> the took the entire balance of {$2100.00} out of my son 's account! 
I called them explaining to them that was my son 's account and only his money goes in there. You can see that none of the deposits made to that account are from me! You aren't legally allowed to garnish money without taking me to court. You would've had to take me to court if I didn't bank with you! You still needed my permission to even take a payment, so how could you legally take the entire balance after you wrote it off? The didn't care that they put my son at risk to lose his apartment and his car for something that wasn't even his! I said you can look in the computer and see that none of the deposits in that account is mine! They said once the check clears there's no name on it! There's no way that they should be able to put loopholes in their contracts to legally be corrupt! If they can't just take a payment without your permission, then they shouldn't be able to just take the whole balance just because I bank with them!
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts were previously removed, only to be unjustly re-added.in accordance with Section 605B ( 15 U. S. C.s 1681c-2 ) I insist on the immediate blocking of this fraudulent information as it is the result of identity theft. Enclosed once again is my indentity theft report filed through Idtheft.gov Account Information XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.
Product: Debt collection

An attempt to resolve a past due balance on a credit card account failed when Bank of America withdrawn an unauthorized amount of money from my checking account to bring the credit card account current.. An immediate charge-off followed without my knowledge. 
This occurred after payment arrangements was made with a bank representative. 

Bank of America decided to charge the account off and sale it to a collection agency because I did not accept a settlement offer that I did not greed too. 

I originally told them that I was a XXXX patient and became ill and was unable to work full time for a while which caused me to become delinquent. I have been with this bank for over thirty years however is in the process of switching banks to avoid any additional unauthorized withdrawals from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX ACCOUNT XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received one mail and XXXX emails. One mail was prepared by XXXX branch addressed XXXX XXXX XXXX, XXXX, DE XXXX on XX/XX/2024 on case number XXXX. It asked me to call the office, XXXX, which was not listed on the official website of this branch in XXXX, DE ; more than that, some consumers reported as scam. 
Two emails from XXXX XXXX which connected to the Bank of America ( XXXX ) stated to contact with XXXX XXXX resolusion XXXX of regulatory complaints. He wrote his contact number XXXX, and upon checking the internet, search results said this number was wacked, whatever this wacked meant. It said the Bank of America was wacked. This XXXX XXXX or whomever stated the case number XXXX, which most likely I would not find out my Bank of America account. This office dared to mail me same link to open my account. 
I just want to state my feelings that most likely these people mentioned above might have not known the ways to upload proper case number to the official website of the Bank of America. Or, they might think I have never seen the official messages or letters from the Bank of America ; therefore, they create their own case numbers to cheat on me. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX XXXX, XXXX, Equifax informed me through their status portals that my credit has not been compromised, when in fact it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX  SELF-REPORTED XXXX Balance : {$260.00} XXXX  SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$400.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX XXXX and they are now have the most recent police report XXXX that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. TransUNION does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX XXXX  is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX  has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account Name : XXXX  XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.
Product: Credit reporting or other personal consumer reports

I'm trying to buy another home and realized I have damages on my credit report. According to the 15 USC 1681 law, there should not be any damages to your credit, and is defamation of my character.
Product: Student loan

I attended XXXX XXXX online for XX/XX/XXXX - XX/XX/XXXX and while attending the school i had issues and after I graduated due to them shutting down and them being unable to provide the services they promised me. From using there School Cost Estimate Calculator, I gathered they also charged me the same rate as a person who physically attended the school which was approximately {$250.00} per credit hour over what I was original told and ended up paying exactly the same as a person that went to class there including room and board.I was not told until after i signed up, because the admissions representative said they handle the paperwork to make it more convenient for me, that some loans were private at a ridiculous interest rate and made it seem that they would all be Federal Loans. Also, I was promised that i would get aid in finding a job but all that was provided was the same leads that I found on XXXX, XXXX, XXXX, etc but originally was told that had " unique sources to find the perfect job suited for a career in XXXX XXXX '' which came from XXXX XXXX ( Director of Career Services  ). The experience i had with XXXX infuriated me and now it seems that my hard earned degree is virtually worth nothing except the paper my diploma was printed on and the fact that despite much effort, I still do not work in the XXXX XXXX field. I have included a more in depth letter entitled " Dispute Letter '' in the attachments section.
Product: Money transfer, virtual currency, or money service

My friend XXXX had invested with XXXX and was receiving great returns which she confided to me and referred me to a man named XXXX who was an agent for XXXX. 
I invested USD XXXXXXXX XXXX XXXX  on XXXX XXXX to send to XXXX  for their 60 day XXXX XXXX XXXX XXXX XXXX which would mature on XX/XX/XXXX. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX matured but XXXX from XXXX said she had to pay a 15 % fee of over {$1.00} XXXX in order for her to collect her funds and the money could not be deducted from her investment. 
After she contacted Authorities, they verified this whole website was a scam. When my account matured on XXXX XXXX, XXXX told me I owed a 10 % fee. After I complained he said his bosses would allow me to pay 5 % fee to collect half the funds, then I could pay the other 5 % to collect the rest. Having known the results of the investigation of XXXX 's situation, I figured he was trying to get more money out of me with the 5 % fee promise. This scam has caused me great distress and financial hardship
Product: Credit reporting or other personal consumer reports

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the XXXX Credit Report XXXX, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA XXXX mandates reporting any incorrect accounts on a consumer 's report.
Product: Mortgage

I 'm starting to think that OCWEN is nothing more than a Ponzi scheme ( a swindle in which a quick return, made up of money from new investors, on an initial investment lures the victim into much bigger risks. ) set up by large banks to transfer their loans without permission of the mortgagee to a group of so-called mortgage investment individuals who are supposed to help you qualify for a number of loan modifications. The ignorance of every XXXX of the employees at Ocwen goes beyond stupid. It is now XXXX months short of XXXX years that I 've tried over and over to modify my house loan. I was retired without benefits, i.e., retirement compensation from a XXXX after 30 years of employment after the death of the owner, operated, XXXX, XXXX, of a very successful company. Since my income has gone from XXXX figures to a small XXXX income I would think I would qualify for at least XXXX loan modification. Particularly because my home is under water. The incompetency of the mortgage loan officers, i.e., loosing paperwork XXXX and XXXX times because they ca n't find it on their desk or in their computers is beyond the word irresponsible. After working with the same loan officer for 18 months he never seems to remember who I am during our monthly phone conversations. I 'm trying to lower my payments not increase them. Every single offer I 've received have increased the payment now standing by {$50.00} to {$100.00} dollars a month and Ocwen will not write the modification unless I agree to 10 more years on my loan making it 40 years instead of 30 years. As of today since I 've not agreed to their new terms - they have turned me over to an attorney to start foreclosure on my home.
Product: Money transfer, virtual currency, or money service

Support case number XXXX. Coinbase Company I have received no satisfaction I just want the money drained out of my account to be returned to me, and then my account closed. 
Amount was over XXXX They sent me a message saying my case was closed, and can not be reopened. 
I do not understand. And I still do not have any access. Or my money? 
Original date of problem was XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my rights! 

I have disputed this account with Experian multiple times and will have to start legal proceedings against them. This account no longer shows on XXXX and is also supposed to be removed from my Experian report immediately! 

Account : XXXX XXXX XXXX Last Verified Date -- Does NOT match XXXX and XXXX removed this account! 
Date of last activity -- Does NOT match XXXX and XXXX deleted this account! 
Date Opened -- Does NOT match XXXX and XXXX deleted this account! 
Account rating -- Does NOT match XXXX and XXXX deleted this account! 

I have disputed this account with Experian via online, fax, certified mail multiple times! 

I demand this account be removed immediately!
Product: Money transfer, virtual currency, or money service

Hello, I transferred about ~ XXXX XXXX XXXX XXXX XXXX XXXX  from a company called Abra whom acted as a bank with whom I stored money with. This amount was sent to a virtual wallet I own and the amount was deducted from my abra account and i received confirmation it sent, however it was never received in my other wallet.. Upon searching the XXXX  XXXX  a transaction was never created meaning Abra never actually sent my money from their business. 

I have reached out for customer support help multiple times with no success. I am anxious to have this resolved and any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a 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: Consumer Loan

In XX/XX/XXXX or XX/XX/XXXX, there was a car title loan taken out in my name. There was also a phone line opened in my name at XXXX. These accounts were n't opened by me. I only found out about these loans when my wife and I applied for a home loan. Our loan officer denied our home loan due to the fraudulent loans and asked that we cleared up these charges right away. We contacted loanmart and reported the fraudulent loan. We then filed a police report, contacted the XXXX credit bureaus, and kept contacting loanmart. I spent weeks and months contacting loanmart to no avail. They refused to believe our claim. Fast forward to last XX/XX/XXXX, our loan officer checks my credit report and the loanmart loan is showing that it is a charge off. We no longer receive calls or letters from loanmart and assume they realized they made a mistake. Fast forward to today, while I am on a XXXX offsite I get a call from my coworker stating that my car is being repossessed by loanmart. I called loanmart today and they do not acknowledge that this loan is fraudulent and keep insisting that I pay them {$8000.00} to get my car back. The car in question is a XXXX that we paid for in cash about 3 years ago. This has been a very stressful and devastating process. We have done everything we possibly can and have run out of options.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION Here XXXX attach, along with the dispute, my fraud report that I just sent to TRANSUNION for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Transunion under the 1 free credit report per year. 
I was given access to only part of the report and did not include the credit reporting number. 
I did the same with XXXX and XXXX and both provided the number free of charge. 

I spoke to a customer service person and then the supervisor XXXX .... Supervisor ID # XXXX. He advised me Transunion was not obligated under the law to provide the credit number only the body of the report. 

My complaint is that this interpretation of the law is incorrect. I request that FCC or CFPB require Transunion to include the credit reporting number.
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 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.