23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Nordstrom/TD 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
Product: Credit reporting

There is a collection note for medical that is not mine.Also I have never received any notification from a creditor. Please remove from my credit history, it is not my bill.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding identity theft, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I have attached my FTC Identity Theft Report, along with my identification documents, for verification. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : Unauthorized Inquiry XXXX XXXX  Date of Inquiry : XX/XX/year> Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

I request that all fraudulent information be blocked and removed as per FCRA 605B. Please provide me with an updated copy of my credit report once these corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Identification Documents
Product: Checking or savings account

Huntington 's ATM was down in  XXXX   XXXX  Ohio. Due to this I had to use another bank 's atm. I was charged a huge atm fee of  XXXX .
Product: Credit card

I was made aware of fraudulent transactions on my account with Golden One when I received a notification letting me know I was late on a payment. These transactions posted to my account between XXXX for a total of {$1000.00} by usage of my credit card. Please note that prior to these transaction I had a {$0.00} balance. I did report this to the bank as soon as I found out and a claim was opened Case XXXX XXXX. However, on XX/XX/2024 I received an email notifying me that they had determined no error occurred as the services were rendered by the merchant listed in the dispute and physical card was present where the CHIP was authenticated at the merchant 's terminal and the card was in my possession. I did not physically make these transactions nor did I authorize or lend my credit card to anyone. I have filed a police report so that I may provide that to Golden One and currently still pending a policy report #. Never did I think my card was being used unauthorized due to the fact that I never lost the card and still have it in my possession. I called Golden One to appeal the decision but was told there was nothing else they would do to further the investigation nor could they provide any additional information such as footage. I have never had a late payment, my credit history is perfect, and my credit score is above XXXX. I'm extremely disappointed in the decision they've made as per my research its very possible that the card could have been duplicated. Please help. 

Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Back on XX/XX/XXXX, I opened a Lease Account with Koalafi. According to the payoff amount/balanced that was reflected in my Koalafi online account when I open the Lease in XXXX of XXXX was {$1100.00}. The payments were set up automatically every 2-weeks on the amount of {$130.00} plus I was additionally paying {$66.00}. I went back to my bank account records, between XX/XX/XXXX, and XX/XX/XXXX a total of {$1100.00} was paid to Koalafi. When I called them back on XX/XX/XXXX to informed them that I had overpaid in my account since the original Lease Amount was only {$1100.00} I was surprised to realized that according to their records my original XXXX XXXX was {$1300.00}. Therefore, I was in default with an amount of {$170.00} which I was not aware. As a result, they increased the amount of my Lease Amount to {$1700.00}. I tried calling several times in XX/XX/XXXX, XX/XX/XXXX. I was sick for several months, and I could not make any other attempts to call between XXXX and XX/XX/XXXX. I resumed my attempts to call them XX/XX/XXXX, and XX/XX/XXXX. Today, XX/XX/XXXX, I was able to speak to someone via chat communication online. I asked to speak to a manager, but I had not luck. According to representative a manger will return my call within 5 business days. However, back in XXXX and XX/XX/XXXX I received the same response, and no one returned my messages. As of XX/XX/XXXX, Koalafi has reported a passed due amount of more than 90 days to the 3 major credit bureaus, and they have managed to affect my credit disproportionately. However, I feel that I as a consumer, I made my payments on time every 2-weeks with additional payment amount to cover what it was reflected in my account when originally opening my Lease Account. I need your assistance to get this situation resolved. There was a mistake in the Lease Amount showing in my account back in XX/XX/XXXX vs the lease payoff amount showing in their system. I am willing to pay what is fair for the consumer. I am willing cover the {$170.00} that supposedly was part of the original Lease Amount from back in XX/XX/XXXX. However, I do not think is fair for consumers having to pay unproportionally amounts of money when they did not receive the correct information.
Product: Mortgage

Loan # : XXXX Ocwen is by far the worst services company I have ever dealt with in the mortgage industry and other service industries. Years ago, they ran me around for 12 months processing a loan modification twice and both failed. Every time they requested information and I confirmed that was all they needed, they'd come back weeks later and ask for more information. To add insult to injury, they'd then ask for the same information updated since 90 days had elapsed - all because their processes are extremely slow. In the end, after two loan modification attempts - both were denied. Constant bouncing around from one department to another, mostly in XXXX and calls taking hours! Good people on the phone but they don't have the right tools to do their job. More recently, when the loan transferred to PHH, I paid additional principal and asked for my loan to be recast at the lower principal balance. After 3+ months, they still haven't reset my payments to a lower amount when their relationship mgmt dept already confirmed the recast and lower monthly payment. More wasted hours on the phone bouncing around departments. Just today ( XX/XX/19 ) - they notified me THEY made a mistake and reported a derogatory to the Credit Bureaus based on what happened. They assured me in due time that they'll fix it. All the while they're collection dept keeps robo-dialing saying I'm late on payment! I paid down the mortgage {$40000.00} in XXXX and continue to pay on time each month. They are a mortgage company, this should be an easy task unless they're running their calculations on an XXXX computer. This company is a great example of lack of customer experience and how not to run a great business.
Product: Credit card or prepaid card

XXXX XXXX constituted procedural form for me to put down a XXXX % percent down payment. Which happens to be a violation under federal law. Federal law also says the finance charge is the sum of all charges. Which is considered the amount financed there is a section that says the amount this credit will cost you. XXXX XXXX has added the amount the credit will cost me into the finance charge with said company Santander consumer USA. But before all of this, the contract was consummated between myself and a finance manager of XXXX XXXX, a employee, someone who can not stand trial on behalf of the firm, a firm that can not stand in the court of law because they can not certify under the penalty of purjury. The contract was consummated by fraud. A finance charge should never be apart of a finance charge.
Product: Mortgage

I was given the option to put my loan in forbearance by Carrington Mortgage for the months of XXXX and XXXX. I took this option based upon added expenses. I was not asked to provide any paperwork to be eligible. 
when the forbearance plan ended I began to make my regular payments ( still making those payments ) despite the covid related expenses being present. 
I requested that the two months of payments be added to the end of loan. I was told that I only qualified for a repayment plan ( almost double my current plan ) based upon my income. I was told that I would be considered for the HAMP streamline refinance so that my payments could be placed at the end of the loan. Even though I have submitted the RMA paperwork twice, they are only considering me for a repayment plan ( twice ) despite me letting them know that I can not afford the offered month repayments. They now hang up on me, or are not being helpful at all during this process. They are trying to me me start the process over again. I admit that I might not have captured all of my " expenses '' on the RMA, but I can not afford the 4 month repayment because of my added expenses. Instead of them working with me to resave this, they continue to tell me to resubmit XXXX a 3rd ) RMA for consideration. 
This is very frustrating, and it seems as if they are not trying to assist me as a first time homeowner and borrower. please help ...
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent a wire transfer for {$5000.00} plus {$35.00} fee to XXXX XXXX to My sister in Law. The money never got there. I called several times, and every time they said that the bank in XXXX XXXX, XXXX XXXX, didn't recognized the account. I verified every time with my sister in Law and the account number, bank number and company was right. 
You can read the letter that I sent to Citibank to Puerto Rico and one to XXXX XXXX, Texas. 
The problem is that after two months and a half, they refund me the money, but not completely, I sent {$5000.00} plus the {$35.00} fee. I want that money back. They only refund me $ {$4700.00}. They still owe me {$240.00}. One time they said they have to buy the money back. How in the world they have to buy the money back if the money never was delivered. If they sent {$5000.00} and nobody received it. The XXXX XXXX  in XXXX XXXX never accepted. Somebody wants to keep {$240.00} for themselves. 
I'm not paying for their mistakes. Please, help me out to get my {$240.00} back. That's includes the {$35.00} transfer fee. They never made the transfer. Enclosed are the letters I sent to Citibank with all the information and a copy of the transfer. I also sending this complaint to XXXX XXXX XXXX.
Product: Mortgage

Called them in the beginning of XXXX to inform them my principal and interest went up $ XXXX. and this was incorrect. They proceeded over the next 6 weeks over a total of 7 calls to lie & make up Balone ... in which by the end of each phone call was obvious to me and also to them! They keep using the word escalate to a senior advisor to figure out how this could happen seeing as how I am on a fixed rate. They are now sending me threatening mail which I really dont appreciate. They want me to just pay them and theyll figure it out later, which I am unwilling to do because theyve had over 2 months and have not given any explanation or proof that my principal and interest shouldve rose $ XXXX
Product: Credit card or prepaid card

On XX/XX/2021, XXXX XXXX XXXX XXXX loaded money from a check they could not completely cash on to a Netspend by XXXX prepaid card. 

Customer service took far too long to respond, and relayed false information of how to verify my identity. 

I used my secure inbox on the Netspend app on XX/XX/2021 to asks question, and Netspend advertised they would respond within 48 hours, and as of XX/XX/2021, they have not. It has been over 50 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, XXXX XXXX, and Experian also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. XXXX has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/2024. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over 33 times, making trillions off my signature. XXXX is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my 70 % according to XXXX XXXX for trading my security on the market as a security now where is my money owed to me. XXXX sends me a statement every month which is a book entry security which is evidence of a bond. Now XXXX wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature.

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to correct the following late/open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law XXXX5 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Alliance continues to harass by sending letters after letters without providing what is needed. I have requested many times to provide me with what is the logical under the Fair Debt Collection Practices Act ( FDCPA ). As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. They continue to ignore the request. As of today, my credit bureaus are showing this company violating the Fair Debt Collection Practices Act. I requested validation of the debt and instead, they send the information to the collection agencies ( XXXX, XXXX & XXXX ).
Product: Checking or savings account

I wrote w check to myself from my XXXX XXXX XXXX 
XX/XX/XXXX i deposit a check they told me to re deposit. It cleared at my bank XXXX XXXX. They told me it didnt cash. My XXXX XXXX saying it did. I have proof. I faxed it to them They still wont credit my account. They are lying saying they cant locate my account. My XXXX account is connected to wellsfargo. XXXX XXXX said thet cashed my check.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate 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 Traffic Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Regarding the eligibility, we sent the closing statement from the seller to show they paid the VA funding fee on the assumption to VA but that didnt seem to help, we heard back from VA today, the letter received is attached. It appears the only way to get this resolved will be for Planet to contact VA to make sure they have the information they need. It looks like the assumption agreement may not have been done correctly as it released the liability but did not transfer entitlement to the new owner but Im not completely sure. I dont seem to get anywhere when contacting Planet as they wont talk to me about the loan. My suggestion is to try and contact management at Planet to push them to contact VA to get it resolved.

Resolution notes : This file should be a XXXX not an assumption. This all falls back on planet home lending. They have not filed the correct assumption. They have yet to process the funding fee. I have reached out to them with no response.to this point. We as VA can not move forward until the funding fee has been processed. It might help if your client can try to attempt to reach out to his contact at planet home lending... 

This is the first I have heard that the assumption document was not correct, earlier they said they received information from Planet but now they are saying they have not. 
When they say XXXX that means Substitution of Entitlement, which means the person that assumed your loan replaces your VA entitlement attached to the property with theirs which frees yours up to be used again. It sounds like the assumption should have stated Assumption with Substitution of Entitlement instead of Assumption with Release of Liability. I dont have access to the buyers closing statement to see if they were charged a funding fee which on assumptions the person assuming has to pay a .5 % funding fee unless they are exempt due to a XXXX and I also dont have a way to find out if he was exempt without seeing his certificate of eligibility. We may be able to contact the current owner to see if he will cooperate with trying to get this fixed as he may be able to help contact Planet as well, do you know the person that assumed your loan? 

We have reached out to Planet and the VA has multiple times As a veteran this is crazy to me that i am dealing with this going on 2 years now ... ... they also were reporting the loan against my credit report .... this has made it very difficult for me each time i apply for something i have to show that i have paid it off ... ..PLEASE HELP