23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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
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 Name : XXXX  XXXX Account Number : XXXX Account Name : 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.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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

FRAUDULENT ACCOUNTS 1XXXX XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. DEPT OF ED/XXXXEAccount number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO ED/XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXL XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Product: Mortgage

I was in bankruptcy but have since been dismissed in XX/XX/XXXX. I made payments to the trustee and those payments went to the mortgage as I had no other debt. Fay Servicing is my current serviced and they are claiming that last payment posted was to the XX/XX/XXXX payment. I requested a loan payment history on XX/XX/XXXX. I have not yet received my loan history and have since requested it and spoke with representatives from Fay multiple times. ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) Additionally i was sent an assistance package which I completed and faxed in on XX/XX/XXXX. I spoke with XXXX on XX/XX/XXXX on how to fill it out after not Reaching my account XXXX and leaving him a voicemail. XXXX stated XXXX to send in paystubs And I followed accordingly. Fay is not accepting my assistance package now per some time limit stating they do not have a complete package because of paystubs though I did exactly as instructed by the representative XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account that is not mine several times. Equifax keeps stating they verified through XXXX which is incorrect I have my report from XXXX and this is not on there I even have letter from XXXX XXXX  stating they sent correspondence to equifax to remove said item
Product: Debt collection

Navy Federal Credit Union sent settlement letter dated XX/XX/XXXX. Offered settlement amount for debt owed. Full defaulted credit card debt {$12000.00}. They offered upon receipt of letter to settle account in full for {$3600.00}. I had full intention of doing so. They took the full {$12000.00} out on XX/XX/XXXX They did not honor their settlement agreement. I had withdrawn my 401k for a full amount of {$24000.00} and the day following without notifying me. I am in default on my home. I am a service connected XXXX  veteran deemed homebound by the VA.

I called today, and they said the funds will not be returned to my account. I was also told after speaking to the same person on the phone. that I would be able to get a credit card again trhough the company to help fix my current situation.

I called to sign up for a credit card immediately following and was denied.
Product: Mortgage

I own a house in XXXX area of XXXX in XXXX. I have XXXX Loans on the same.The XXXX used to be with XXXX ( I believe the Investor is XXXX XXXX ) and the XXXX with National City, which is taken over by PNC Bank. ( PNC ) I started my marathon Modification effort with XXXX as soon as HAMP was introduced, in XXXX 2009. I made XXXX Trial Period Payments after which XXXX rejected my HAMP Modification. 
Luckily for me XXXX sold the Mortgage to XXXX ( XXXX XXXX ). They were kind enough to give me the Trial Period Payment again, which I successfully completed. XXXX XXXX wanted to get the XXXX XXXX from PNC Bank. PNC demanded {$250.00} for this, which I readily agreed and sent the Check for {$250.00} through XXXX XXXX. 
However I am surprised to learn that PNC refused to give the Subordination Agreement to XXXX XXXX, as mandated by HAMP, although I understand that PNC has signed up with XXXX, an XXXX to participate in HAMP. 
The reason for their rejection is a lame excuse - The Account was Past Due on XXXX or more occasions in the past ... ... ... ''. 
When my XXXX Party called, PNC Rep. was very rude and said they will not do a subordination as the Account is delinquent and the account has to be brought current, to give a Subordination Agreement to the XXXX. It looks like a kind of a black mail, they are doing, flagrantly flouting the HAMP guidelines. The very purpose of HAMP is to help home owners like me facing hardships and giving us a chance to get back on track. They ( HAMP ) did not say that the Subordination Agreement is to be given only to such customers who are not delinquent, whoch would defeat the very purpose of HAMP. 
In the process, my Permanent Modification, which I would have got after a herculean struggle of 6 1/2 Years, is cancelled by the XXXX ( XXXX XXXX ) as PNC refused to co-operate, in total contravention of HAMP guidelines
Product: Mortgage

Mortgage was raised approx {$900.00} and {$400.00} has been unaccounted for for 12 months. When contacted bank they said it was for escrow account but after an investigation I found that I was being charged twice for insurance. Bank corrected mortgage due bit has not offered refund for {$4800.00}.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX
Product: Checking or savings account

We had this account with WF for three years. We used it to deposit donations from individuals to support XXXX patients in the XXXX XXXX. WF claimed that we have used a physical address with a XXXX XXXX that is equivalent to a XXXX XXXX XXXX. They opened the a count in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX and at that time we informed their banker that we will rent a XXXX XXXX at the nearby XXXX office and she agreed and we used the XXXX street address with the XXXX XXXX. All went well until XX/XX/XXXX when I needed to wire funds to our principal Foundation in XXXX from the XXXX GA branch which i have done severral times over past 15 months!!. The banker said there's a restriction on the account and you need to change the address to another address that does not include a XXXX XXXX XXXX I then asked here to use my new street address in XXXX. She changed it and I opened a case protesting their lack of communication with our Foundation and keeping us in the dark about this issue, we were not aware of this new requirement. To our shock WF, 2 days later and without any explanation or warning closed the account on XX/XX/XXXX. This irresponsible and disruptive action caused a {$10000.00} donation on route from an overseas donor not to be credited to the closed account and we still do not know the status of the donation. I then asked them to forward the remaining balance to my address in XXXX and as of today XX/XX/XXXX we have not received the approximately {$7700.00}! I filed a second and 3rd case looking for the supposedly check they told me several times that they would mail it my address at : XXXX XXXX XXXX XXXX XXXX GA XXXX I have not seen the check as of today! 

After almost 40 years of banking with Wells Fargo, I'm extremely disappointed in their shoddy and careless practices. 

When I tried to open a new account to replace the one they closed I spent 7 hours at the XXXX GA branch and at the end of the day the banker could not open a new account and she called about 7 different people but the system did not allow her to open a new account. I agreed to come back the next day but she failed to open a new checking account.

I still have 4 personal accounts with WF and I had to go to another bank across the street and they gladly helped me!

The poor and questionable manner WF handled the unasked for closure of our nonprofit account cost us loosing severely donations since the donners were not aware of the shenanigans practiced by WF behind the scenes without my and our Board of Directors knowledge.

We will never again open a small nonprofit account with WF. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXX to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX to XXXX XXXX XXXX ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried on three occasions to open an account with Suntrust Bank. On each occasion, I am given a different answer. The most recent attempt to open the account last month, I was told to contact XXXX. I contacted XXXX   and they were unable to provide me with a reason as to why Suntrust wouldn't open the account. I had an account with Suntrust years ago for less than a month the account was closed with no answers as to why. When I attempted to open the account they had an incorrect date of birth and address for me. I'm concerned that my identity is being mixed up with someone else.
Product: Checking or savings account

On XX/XX/year> my credit card company attempted to get a payment via ACH from my Navy Federal account. I did not have enough funds to cover the ACH, so it was declined. A few days later I received a message from Navy Federal stating that I would be charged a fee for the insufficient funds. I reached out to their customer service to find out why I was being charged a fee, since I knew that they had been recently fined for abusive fees practices. I was told by their agent that I was being charged a fee because they attempted to process the payment. I asked why they don't charge a fee for successful ACH debits but charge a fee when they decline the transaction. I was told that that was their policy. Navy Federal charged me {$29.00} for a returned item fee. My credit card company didn't charge me anything for the transaction being declined. They simply resubmitted it 3 days later. Now they are again attempting to charge me a fee for a transaction they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX, XXXX, Equifax and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
Product: Checking or savings account

My financial institution is Chime. I have a credit builder card that was canceled on XX/XX/XXXX due to an unauthorized transaction. A dispute was filed and a new card was sent out. On XX/XX/XXXX the merchant refunded me my correct amount which was {$940.00}. On XX/XX/XXXX I activated my new card and the same merchant took that same amount back off my card. I opened a new claim XXXX. On XX/XX/XXXX my claim was approved and I have yet to be refunded still. I have called everyweek since XX/XX/XXXX and have not gotten my issues resolved. I have asked to speak with multiple supervisors and managers and also have proper documentation and Chime has multiple notes recorded about my dispute. Ive also sent emails and Chime investigations team have not responded due to them not accepting emails for claims. They wont transfer me to a manager because they said they only accept emails. I have been waiting over 90 days and I would just like my money refunded. I attached all proper documents needed showing that I was only reimbursed one time for this transaction and not twice for {$940.00}
Product: Consumer Loan

I am an affected consumer who received an auto loan with an extremely high annual interest rate of 19.5 % from American Honda Finance Corporation in XXXX XXXX. I have reason to believe that this interest rate was assigned to me solely on the basis of my race ( XXXX ) and income level ( less than XXXX annual ). 

During my initial consultation with AHFC, I disclosed to the AHFC administrator my financial and living status which would hinder me from affording a large down payment for a vehicle aside from the value of my trade in. Because this would be my first time financing a vehicle and because I desperately needed reliable transportation to and from work and school, I foolishly informed the AHFC administrator that I was unaware of my options and next steps. The AHFC administrator then pressured me, quite aggressively, into trading in my old vehicle and accepting a 19.5 % annual interest rate and a $ XXXX monthly payment on the same day as my initial consultation. I even asked for a day or two to consider this offer before signing but the AHFC administrator assured me that he was " doing me a favor '' and that this offer would n't be available to me at a later date. 

As a result of such aggressive, inconsiderate, and discriminatory practices by AHFC, I have faced a considerable amount of financial hardships following this loan agreement including, but not limited to, falling behind 30-60 days on payments, getting denied credit due to negative marks from AHFC on my credit report, and being evicted from my primary residence only days after having my vehicle repossessed by AHFC. The vehicle issued by the loan in question was repossessed from my residence in XXXX XXXX by a third party debt collection agency. I received no notice from AHFC prior to or after the repossession. AHFC continues to submit negative remarks to my credit reports monthly in XXXX even though I no longer have the vehicle and have not received any notifications or information from AHFC since prior to the repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent equifax a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Equifax is under violation under 15 USC 1681
Product: Vehicle loan or lease

We purchased an auto from XXXX XXXX XXXX of XXXX. After the purchase, we discovered fraud in the sale of auto. We then requested the Loan Agreement from Capital One Auto Finance : XXXX XXXX XXXX, XXXX, Texas, XXXX, via certified mail on XXXXThey refused to send it. We then complained to the Office of the Controller of Currency, who then advised us to call via phone and make a request for documents. They still refused to send documents.We complained again to Office of Controller of Currency. XXXX XXXX XXXX then sent a loan agreement that was mostly unable to read, not legible ie partial pages font size greatly increased making it impossible to read. We feel this is in retaliation for filing a complaint to the O.C.C. We need this Loan Agreement to complete this investigation for further fraud. asap.