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

This is a notice of liability for criminal activity that the third party interlopers are using my data for pecuniary purposes. I have not supplied proof under The doctrine of Estoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I presume that no proof of the alleged debt nor therefore any such debts exist in fact. In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These entities also violated 15 U.S. Code 1602 ( p ) and violated 18 USC 894. Whereas these debt collectors : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, etc. have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I did not authorize any third party to contact me via email, phone, or US mail. All presentments by unnamed writers are in violation of 18 USC 1341. By using my likeness ( Trade name ) to coerce me into a scheme to extract government obligations 18 USC 8. Names reported : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ). All entities reporting themselves as CREDITORS in violation of 18 USC 914. Whereas these Foreign entities have not produced the contract pursuant to 31 USC 3718 to collect 18 USC obligation or other security of the United States.
Product: Credit reporting or other personal consumer reports

Pennymac is reporting a late on XX/XX/24 that I ask they please remove. I was unfortunately affected by the wildfires in Hawaii and lost everything. I am a XXXX XXXX XXXX  and my source of income was affected as I had to rebuild everything. My job that I have also had to shut down for months. I called Pennymac to advise them of the situation and I was met by a very helpful rep who helped put my account in deferment. However, it was only a 3 month deferment and I still needed help as things were not quite in order at that time. I called again to apply for additional forbearance however, it looks like it might have overlapped some dates and it caused the loan to go past due. I never ever meant to be late, I thought I had done everything as I was supposed to and did not anticipate being affected for this long. I am still rebuilding things and hoping Pennymac will take this into consideration.
Product: Credit reporting or other personal consumer reports

Subject : Fromal Dispute of Inaccurate Credit Reporting Under XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which protects individuals ' records and requires agencies to ensure their accuracy. 

Upon reviewing my credit report, I identified the following inaccurate information : * Account name XXXX XXXX  Account number XXXX *Account name XXXX XXXX  Account number XXXX *Account name XXXX XXXX XXXX Account number XXXX *Account name XXXX XXXX XXXX Account number XXXX Account type Credit card *Account name XXXX XXXX Account number XXXX Account type Auto Loan As per XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies and furnishers are liable for willful and negligent noncompliance with the FCRA. Additionally, under XXXX XXXX XXXX, agencies must maintain accurate, relevant, timely, and complete records regarding individuals. The continued reporting of inaccurate information constitutes a direct violation of my rights and exposes your company to legal liability. 

I formally request that you : 1. Immediately investigate the inaccurate information. 2. Remove or correct the disputed entry. 3. Provide me with a written response detailing the results of your investigation within XXXX days, as required by law. 

Due to this incorrect reporting, I have suffered financial harm, including denial of credit opportunities and an unjustified negative impact on my credit score. I demand immediate correction and removal of this erroneous entry in compliance with federal law. 

Please consider this letter a formal notice of dispute under the FCRA. If this matter is not resolved in compliance with federal laws, I am prepared to escalate the issue, including legal action if necessary. 

Please respond in writing to the address on file. 

Sincerely, XXXX XXXX
Product: Credit card

I have new credit cards from CAPITAL One Bank, I was miles reward program which was converted in XXXX $ cash bonus if I spend XXXX $ during 3 months, I call several time to CPAITAL One award department and customer service told me that I was approved. 
I spend during 3 month around XXXX $ but never restive a XXXX cash bonus. 

Please help me with this issue.
Product: Credit reporting or other personal consumer reports

Equifax is allowing accounts on my report that do not belong to me. My student loan account only shows ( 5 ) five accounts. Equifax has been reporting ( 6 ) accounts for over 6 years now. I have provided a scan of the account information to support my claim. Equifax is allowing ( 37 ) thirty-seven inaccurate payments to reflect to the account 's payment history. These payments were paused during the covid lockdown and Equifax knows this, yet Equifax has decided to ignore a federal mandate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this consoling again against Experian Consumer Solutions & XXXX XXXX XXXX I am writing to express my deep concern about the continuous violations committed by Experian XXXX XXXX regarding the accuracy of the information reported on my credit report. Despite submitting a complaint to both the Consumer Financial Protection Bureau ( CFPB ) and the California State General Attorney, Experian & XXXX has failed to conduct a proper investigation, in accordance with the regulations set forth in 15 USC 1681i. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts theyve stated theyd completed a through investigation and verified the information is accurate and updated but evidence provided below proves other. These accounts according to the Experian and XXXX havent been verified since XXXX & XXXX but yet theyve stated theyve done a proper investigation. 

I have been a victim of inaccurate and outdated information reported on my credit report by Experian and XXXX. Despite my repeated attempts to get Experian XXXX XXXX to investigate the matter, they have refused to conduct a thorough investigation to verify the accuracy of the information reported on my credit report. This has resulted in significant financial losses, damage to my creditworthiness, and overall emotional distress. 

I have submitted a complaint to the CFPB and the California State General Attorney in the past, but Experian & XXXX has still failed to follow proper conduct and verify that the information reporting on my credit report is accurate and up-to-date. This lack of action by Experian XXXX XXXX is a clear violation of the regulations set forth in 15 USC 1681i and it is imperative that appropriate action is taken to hold Experian & XXXX accountable for their actions. 

I urge the CFPB to investigate Experian XXXX XXXX XXXX XXXX and take appropriate legal action to ensure that they comply with the regulations set forth in 15 USC 1681i. Experian & XXXX must be held accountable for their continuous violations and failure to conduct a proper investigation. Thank you for your attention to this matter.
Product: Credit card or prepaid card

I bought a car on XX/XX/17, and they sent me a XXXX XXXX card. I used the card for about a year and noticed the card kept going up they had signed me up for a card security plan. I tried calling but never got a response that made any sense. I finally requested a payment history, and when I talked to someone over there they refunded me XXXX but they did not refund the interest from 2017 until the present. I want the interest refunded, and they should be reprimanded for signing people up without them knowing. In a lot of places, they would call that forgery.
Product: Checking or savings account

TD bank has frozen my business bank account today XXXX for no justifiable reason. They say I deposited a fraudulent check for {$5000.00} at an ATM on XXXX, which I know is not true, the check is from my brother. He since has contacted his bank and there were no issues on his end. I do not believe it is legal to freeze ones account without a court order or atleast a justifiable reason. There is no evidence of fraud, I have been conducting business as usual. 

I have contacted TD fraud department and they insist on keeping my account frozen today despite the fact they are costing me money and damages by not being able to carry on my companies duties.
Product: Checking or savings account

TD Bank, I've been calling over the past couple months to try and resolve some debit card fraud on some of my old debit cards. I've came to no positive resolution, due to the call getting disconnected, or the agents not understanding all of the transactions I'm trying to dispute. I don't want to lose my bank account or have to make a big decision of changing banks as you can see, I have big amounts of deposits coming in and out. I've attached all the statements, you will see HIGHLIGHTED IN YELLOW ( dates, amounts, transaction names ) all of these are unauthorized fraud. I have not given anyone access to use my card, the card always stays in my phone case, and no-one besides me has the PIN to use it. It's hard to keep calling, and calling when you're always busy and in a time crunch and can't get all the transactions in so I decided to go this route since the closest branch is XXXX miles away at my main house in MD. I am requesting my provisional credit within XXXX business days of the CFPB sending this complaint to you guys per Reg E.
Product: Credit reporting, credit repair services, or other personal consumer reports

They " NEVER '' say who this company is, they say it 's on a " recorded line '' and DEMAND your personnel info. I have never once given my info out over then phone, and never will! They have called me in 1-day over 9 times, which immediately throws red flags up that it 's a scam. I did my own search on the internet, and there are 429 complaints against this phone number!! Can you say SCAM? I sure hope the FCC runs them up the flag pole, or I will have no choice but to change my number! Scam ... scam ... .scam ... .scam!
Product: Checking or savings account

Check XX/XX/2018 XXXX {$200.00} XXXX XXXX XXXX XXXX Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$200.00} XXXX XXXX - California Check XX/XX/2018 XXXX {$300.00} XXXX XXXX - California Check XX/XX/2018 XXXX XXXX {$300.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$200.00} Bank of America Arizona Check XX/XX/2018 XXXX XXXX {$100.00} Bank of America Arizona XXXX I had a roommates friend got a hold of my information while I went out of town for a couple of days. I left my apartment and my purse on accident and had printed check from XXXX in my room and she had use them to her advantage to withdraw money at an atm. I was unable to get the truth of whom did the transactions and I moved and i barley had enough income to finally pay off my debt. Currently I am unable to open any checking account because of the Flag of Fraud on my name. I did however go through Bank of america and paid off the balance and I worked with XXXX XXXX XXXX. The dispute file did change the status with XXXX but, not Bank of America. I would like to have this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not do a thorough investigation. Further harm and endangerment to my child and myself as protected members under the ADA
Product: Debt collection

I recently pulled my credit report and it was things there that I wasnt aware of. Wrong amounts, wrong dates and if Im not mistaken the bureaus and the company has to report correctly, and if this is the case I filed identity theft because someone is reporting wrong information on behalf of me. I didnt even recognize the dates. How can they do this without my concent or signature. How is this legal, and my guess is that its not. Its causing me so much stress, please have them remove this immediately. This breaks so many violations. I have attached many of the violations in the paperwork that I have recently looked up and consulted my lawyer about.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I became the victim of a fire while I was XXXX XXXX months XXXX. This fire resulted in the total loss of my home, which I shared with my husband and XXXX children. Shortly afterward, the pandemic hit in XXXX. 

In XXXX, I hired a contractor to help with repairs, but he quit and ran off with {$80000.00} two months later. Having just returned from the hospital after a XXXX XXXX and dealing with the loss of my XXXX XXXX, I was lost and desperate for help. 

I began searching online for loans and came across OneMain Financial. I applied for a personal loan and was initially approved for {$20000.00}. However, when I arrived at the office to sign the loan documents, I was informed that the online information was incorrect, and the only way to secure a loan was to put my vehicle up as collateral. 

I then put my XXXX XXXX XXXX up for a title loan and received {$25000.00} as a loan in XXXX. Since that time, I have paid OneMain roughly {$43000.00} in monthly payments. The interest on this loan is so high that when I make my payment of {$840.00} a month, only {$54.00} goes toward the principal amount. The remaining {$790.00} goes to interest. At the time of signing, I was not aware that this was the arrangement I was entering into. 

I have requested renegotiations multiple times to lower my payments and interest rates but have been denied each time. When I asked for the payoff amount, I was told that I still owe {$17000.00}, which would ultimately mean I pay them over XXXX XXXXmore than double the original loan amount. I am seeking help regarding this situation, as I can not afford to make any further payments.
Additionally, my vehicle was involved in an accident and is now damaged, making it worth significantly less than what they are charging me. What should I do?
Product: Checking or savings account

I deposit a casher check for XXXX and BOA is saying it would take 10 days to get credit from my deposit. they wouldn't give me back my check so, i can cash it at the back where i got the check from.
Product: Prepaid card

On XX/XX/XXXX I bought XXXX ( XXXX ) American Express gift cards at XXXX. Each gift card was {$100.00} and the activation fee was {$6.00}. In total I spent {$210.00}. When the people ( XXXX ) I bought these gifts cards tried using the gift card online or in store on XX/XX/XXXX and XX/XX/XXXX they received declined messages. On XX/XX/XXXX from XXXX, XXXX. I was on the phone with an American Express gift card representative. I provided them information of the gift card per their request. This included full card number, expiration date, and security code. The representative told me the card was active and had funds, but for security purposes I could only use it with certain merchants. When I asked to give me a list of those merchants, the representative said they could not give me the information as it was against their security guidelines. I asked why the card didnt advertise it could only be used with certain places and they said they didnt know. On XX/XX/XXXX and XX/XX/XXXX I checked the balance of both gift cards, which shows their active and have funds. It does not show why they keep on getting declined. Per XXXX store policy, I cant return the gift cards. In summary, I lost {$210.00} on gift cards that cant be used and XXXX cant get my money back.
Product: Checking or savings account

On XX/XX/2023 my checking account was hacked through my debit card linked to my XXXX XXXX. XXXX unauthorized transactions totaling {$1500.00} were processed by Chase Bank. All 8 withdrawals were spent on XXXX XXXX and XXXX XXXX. Chase never flagged this activity or contacted me about the potential fraud being committed. Once I logged into my account and saw this fraudulent activity, I immediately contacted Chase and was issued a temporary refund for the full amount. Several days later, they came back and took the money out of my checking account again, telling me that they had denied my claim. I then went into a local branch of Chase Bank to speak with a representative, who told me the denial was obviously a mistake and they assisted me with filing another fraud complaint. Several days later this claim was also denied. They said the purchases were made via my digital XXXX XXXX. I am a XXXX XXXX XXXX saving money for college and obviously have no need to buy {$1500.00} worth of XXXXXXXX XXXX and I DID NOT MAKE THESE TRANSACTIONS. My best guess is that someone hacked and cloned my debit card through XXXX XXXX. Chase should have noticed this unusual activity and stopped it or at least notified me. Upon doing further research, I have read multiple news articles about others that have been ripped off by Chase Bank. Please help me recoup the money that was stolen from me. Thank you.
Product: Credit reporting

Nothing in my complaint was addressed by Equifax, Merchants, and XXXX Merchants and XXXX must give me copies of the contracts between Merchants and XXXX, and between XXXX and XXXX. I do not take their word that they own the contracts. They must show proof by giving me a copy of the contracts. XXXX I totally disagree with any and all amounts shown. They must provide me with the contract between XXXX XXXX and XXXX Insurance, and the contract between XXXX and XXXX for each and every item on my credit report. I do not take the word of XXXX XXXX and XXXX for the contract amounts. I have NOT been given any legal proof that I owe these companies and these amounts. Any company can make up any dollar figure they want. This issue has not been addressed at all. This appears to be a complete farce on behalf of these companies, and Equifax requires no legal proof to add whatever the companies tell them to add, which is also a complete farce. Thank you for your assistance with this matter. 
XXXX XXXX
Product: Mortgage

I got a mortgage with SPS ( Select Portfolio Servicing ). In this mortgage, I had to pay the PMI and I already paid 22 % of the initial cost of the home, The state that the PMI will remove automatically when the lender reach 0.78 LTV ( Loan  to Value ). 

I already ask them to remove the PMI and they ask me to send money to pay an appraisal, I already did on time. 

I do not agree with that because they state that the PMI will remove automatically when the lender reach 78 % of the LTV Thanks
Product: Money transfer, virtual currency, or money service

I received a payment on Saturday for {$1000.00} and when I attempted to Cash Out from XXXX and a search box populated for my bank and prompted me to enter my login information and this never happened before. Something seemed a bit strange so I said I would wait until Tuesday to see if the funds would hit my account they didn't. I checked my XXXX XXXX online and the funds were not available so I did a XXXX Search and I located the following number XXXX and a representative answered and asked if I had experienced this before and sent me a code and stated not to release the code to anyone and they were having server issues. He stated that my account needed to be verified and they would release the {$1000.00}. He knew the amount of the memo and the person 's name. He asked if I could contact the person that sent me the funds via the XXXX and verify the info so we did a three-way ; the " representative '' had the card number for which the funds were sent to me from XXXX and authenticated the sender 's info too. We ended the call and the " representative '' continued to say we needed additional verification. We contacted two additional parties I was becoming frustrated he was asking questions if the funds were there I was advising no and I was getting impatient. Anyway, long story short they hacked my XXXX account and impacted 2 of my family members/friends accounts for a total that exceeds {$5000.00}. The numbers that I have for the company is XXXX and XXXX. I contacted XXXX XXXX which is the owner of the XXXX number and reported the number for scamming and also contacted XXXX for the XXXX for the landline phone. I will also be contacting the Attorney General of New York.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian XX/XX/XXXX Report # XXXX in reference to my car loan with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. XXXX XXXX  refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to Experian. Experian reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at Experian who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.
Product: Mortgage

I have two mortgage loans that were transferred to Loancare from XXXX earlier in 2019. Since then, I get a statement for one account but not the other and I have struggled with their online system because I can only access one account there. 

I paid my XXXX payments by sending two checks together in an envelope along with clear directions on how I wanted the payments applied to two accounts. One check was applied and the other was not. The unapplied payment pertained to the only account I can access online and I saw that I did not get credit for the check. So to avoid further charges against me, and assuming they threw the check away with the envelope, I made another payment online. I was charged {$5.00} because it was considered late. 

When my XXXX bank statement arrived, I found that the missing check was indeed cashed and I did not get credit on my account. So I made two XXXX payments for that account, one check and one online. I want the extra payment to be applied as my XXXX payment and also receive a refund for the {$29.00} charged to me for fees, {$24.00} for trying to pay by automated phone system and {$5.00} for them not crediting my account. I did speak with someone in their internet help department and she said she fixed the issue of not being able to view the second account online. It is not fixed. I can see the second account number on the drop down menu, but the account information will not open. 

Also, I have received two calls from unidentified numbers with messages to c all Loancare about my account. One was from Hawaii and when I called, the number was disconnected. Somehow, my information seems to be in the hands of phone scammers now. I did e-mail a copy of the cancelled check to Loancare, but given the numerous complaints concerning them, I am not confident that my problem will be addressed without government assistance.