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

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

I am complaining about the impermissible access of my credit report by National Credit Systems, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the National Credit Systems fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ National Credit Systems and proof this is a credit transaction w/ National Credit Systems . National Credit Systems is in violation of federal and state laws, and I will go legal if this isnt removed. National Credit Systems accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Mortgage

I was trying to get refinanced because I need some cash out and I have an adjustable rate montage and applied to American Financial Network with a XXXX XXXX loan officer. 
They promised me XXXX cash out and that they would pay off a judgment against my daughter also. I had told them repeatedly not to go ahead with an appraisal unless all this looked good which they assured me that it did look good for me to get a loan with them .I had backed off them once but they persisted and so I gave them my credit card for the appraisal to be completed which it was costing me XXXX dollars but when they sent me papers to sign they money was not there that had been promised to me so backed off the loan and backed off the deal. I asked them to return the XXXX dollars since nothing was right about the loan .I believe they would tell me anything to close this loan but if they had vetted me closer before the appraisal as they should have they would simply told me that I did not have enough residual income for this loan to begin with, i contacted them and ask them to return the money have charged on my credit card but they ignored me and actually told me they would still do this loan, How can thy loan money to someone who did not met the standards for the loan in the first place They are American Financial Network Inc .www.afncorp.com the loan officer was XXXX XXXX from Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me BAC never reaffirmed that I was paying.

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to BAC was discharged in bankruptcy and now was closed. TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to BAC. Judge allowed me to keep the property. BAC transferred the note to XXXX, who has a debt service contract with them. XXXX  assigned a new acct number.

I paid the back payments and then made every monthly payment.

After a year of making EVERY payment, XXXX transferred note back to BAC. BAC used the original loan number.

HOWEVER, BAC NEVER REAFFIRMED MY PAYMENTS. Sidebar : BAC also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow!

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like checxsystems to update my address to to be my safe at home address exactly as it is on my id card.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ), I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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: Mortgage

I have a mortgage with Wells Fargo back since XXXX and have never missed a payment. In XX/XX/XXXX I went to the branch located in XXXX  XXXX CA with my payment slip, as I always do each month to make my payment at a Wells Fargo branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from Wells Fargo my loan had been sold. While I was at the back I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( which that address did not exist ) and she also told I would receive a letter from Wells Fargo and a new loan welcome package. I never received either. The only information I received was a one page letter dated XX/XX/XXXX from XXXX stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter and I would receive information from them within 30 days. As of XX/XX/XXXX I have not received any information from XXXX XXXX XXXX XXXX XXXX, Wells Fargo or XXXX. I have sent several certified letters to XXXX, Wells Fargo and XXXX XXXX XXXX XXXX XXXX but no one has responded. I sent several letters to Wells Fargo Including my XX/XX/XXXX thru XX/XX/XXXX mortgage payments at : Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX and Wells Fargo Home Mortgage XXXX XXXX XXXX, XXXX XXXX, IA XXXX I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my XXXX mortgage payment inclosed and a copy of the letter I received from XXXX dated XX/XX/XXXX. I never received a response to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Product: Credit reporting or other personal consumer reports

Requested a copy of my free annual credit report was shocked to see what was on it its causing me great XXXX  that I cant buy a home for me and my family because of incorrect information on my credit report
Product: Credit reporting or other personal consumer reports

I am again reporting my deep dissatisfaction with the ongoing disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute attempts, it appears that my concerns have been ignored, and the reported violations persist. This dispute serves as a formal dispute and reiteration of my rights under the FCRA. 
Unauthorized Disclosure of Information : Under 15 USC 1681b, consumer reporting agencies are required to furnish consumer reports only under specific circumstances and with the written instructions of the consumer to whom they relate. I have consistently communicated my explicit denial of consent for the disclosure of my private information to third-party agencies. It is disconcerting that this violation persists.

Failure to Provide Opt-Out Information : According to 12 CFR 1016.7, a c onsumer has the r
ight to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable. 

Inaccurate Reporting and Lack of Verification : Section 1681s-2 ( A ) ( 1 ) A of the FCRA mandates that information furnished to consumer reporting agencies must be accurate. I have previously disputed inaccuracies in my credit report, yet these discrepancies persist without proper investigation or correction. This is a clear violation of my rights.

Noncompliance with FCRA Sections 1681c and 1681e : Consumer reporting agencies are obligated to maintain reasonable procedures designed to avoid violations of FCRA sections 1681c and 1681e. The failure to do so, as evident in the persistence of inaccurate information and the lack of response to previous disputes, is a direct violation of the law.

I hereby request the following actions : Immediate cessation of any further disc
losure of my personal information without my explicit, written consent. 
A thorough investigation into the circumstances surrounding the unauthorized disclosure, inaccuracies, and lack of compliance with FCRA regulations. 
Prompt removal of any inaccurate information and a comprehensive report detailing the corrective measures taken to prevent similar incidents in the future. 

I expect a written response within a reasonable time frame of 14 days detailing the actions taken to address the violations mentioned above. Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights. 

Your cooperation in rectifying these issues is crucial to upholding the principles of the FCRA and ensuring the accuracy and privacy of consumer credit information. I trust that immediate attention will be given to this matter.
Product: Debt collection

In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, Machol and Johannes, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.
Product: Credit reporting or other personal consumer reports

I have reached out to Ally and the credit bureaus to correct the stated balance which is reported double than what I originally owed but they keep reporting the incorrect amount event though according to the original contract was for XXXX not the reported XXXX that is showing on my credit reports.
Product: Bank account or service

Hi - my family has XXXX prepaid debit cards issued by Citi Prepaid. They were misplaced and we recently found them again. They have never been used, but the expiry date on the cards is 2012. 
I have emailed and called Citi, but they tell me that I can not access the funds ( each card has {$99.00} on it ). They tell me that they " ended the program '' and I can not have new cards issued or the funds released. 
From reading your website it seems that they should agree to reissue the cards. Please help me understand what is going on here and why they are keeping our money.
Product: Vehicle loan or lease

I purchased a XXXX XXXX from wellsfargo lender at first everything went smoothly the. About 4 months into my loan then the amounts kept changing, other misc fees were being added to account. Reached out to the company and they said it takes time to get finalized numbers and amounts and so rates/prices will change. 
I told them Ive had other auto loans previously and never experienced this type of issue before. I Continued to make payments until my account kept changing fees and pricing! The company wasnt interested in settling anything or fixing nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX Car Loan. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX car loan for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX
Product: Checking or savings account

I got a check from friend I deposited in my account a after that bank close my acount
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Transactions totaling {$2100.00} from my checking account from XX/XX/2022 thru XX/XX/2022 from a dispute for a fraudulent transaction from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that PNC doesn't really care about their customers financial safety and correcting situations when THEY are wrong. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product.

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ).

In a day and age of social media ruining companies profiles and customer retention ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), one viral video could become a marketing and PR departments nightmare, especially when several customers have experienced the same issue and have the receipts, emails, and recorded phone conversations on how their trusted bank aids in supporting the companies that scam their customers over their customers hard earned funds on transactions they have the authority to reverse ( as I've had credits back to my account on a couple occasions when a service WAS NOT received and the bank REVERSED the transaction WITH NO PROBLEM ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information. Experian has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. I XXXX XXXX, did not request a fraud alert to be placed on my consumer report as all complaints have been submitted through the CFPB and none of those complaints have a request by me for a fraud alert. Experian took it upon themselves to place the fraud alert and then had the audacity to add a personal statement to my consumer report as if I requested it ( see exhibit B ). Experian continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Please see the attached documents as it contains my full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices. Which violated the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements.under the electronic fund transfer act ( efta ) and regulations E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.