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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all 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

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. 

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  THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax returned an answer that said debt collection owed by my ex belonged to me. This was a total of XXXX collection accounts that showed up on my credit report and their failure to correct is keeping from obtaining credit.
Product: Checking or savings account

On XXXX XX/XX/year> I call Chime to dispute XXXX unauthorized transaction totaling {$890.00} the dispute # XXXX was deny on XX/XX/year> no reason in email. I called to re openly my dispute on XX/XX/year> my claim was reopen claim # XXXX. They asked to provide any supporting document to support my claim so I provided a copy of the official letter from another debit card that I dispute the unauthorized charge on the same XX/XX/year> from the same merchant that I did not authorize thebcharge and they gave me back my money. XX/XX/year> received second deny email from Chime with not reason why the deny. Called Chime @ XXXX XXXX on XX/XX/year> and re open my XXXX dispute # XXXX. Requesting a full refund totalling {$890.00}
Product: Credit reporting or other personal consumer reports

XXXX County Domestic Relations/ Child Supoort showing negative/ past due / delinquent balance on my credit report. 15USC 1681 I States that a consumer has the right to dispute any item on the consumer report that is innacurate or unverifiable. The same law says a consumer reporting agency has to investigate the dispute if it returns back claiming to be accurate, that would imply an investigation was done. It should have been investigated prior to appearing on my credit report. However it could not be verified because the case law says it should not be on a credit report. Therefore proving an investigation never took place prior to it being applied to my credit report. Failure to investigate is a breach and a violation of 15USC 1681 i This has caused me several declines of credit, business opportunities, embarrassment, stress, car loans, home approvals and job denials based off of a low credit score. GET IT OFF MY CREDIT REPORTS! Transunion, Equifax, Experian and XXXX County Domestic Relations are all 4 parties involved. 

1581 Usc 1681N states that is Civil Liability ; causing me emotional damages of well over {$250000.00} I would like for it to be removed immidiately from all 3 of my credit reports. And for all agencies involved to provide me remedy in the cash amount of XXXX $ paid to me within 60 days. By check by mail to my home address.
Product: Student loan

Name : XXXX Loan Company : Navient over the last XXXX years I have been making my payments on time. I got laid off XXXX weeks ago, the company ( navient ) claims that they can not provide me with any relief even though I 'm unemployed. Then I asked them to lower my payment and put me in some sort of program, to do that they say they must speak to my cosigners, these people are elderly, my XXXX is dealing with my XXXX XXXX, my XXXX is dealing with a theft and robbery, my XXXX is on a fix income older lady. They are asking to speak to them during these difficult times. I understand business, but they could lower my monthly payment I 'm just asking for a very small period of time or some sort help. They have nothing left to say except they must speak to my cosigners I told them I could get the information and they dont want that. I asked them not to put me in a program just to lower my payment by {$100.00} I told them I felt confident that I would find a job soon and should have the funds to make the payment and they do not want to help. I spoke to a XXXX and instead of giving me any help he reiterated the initial statement and told me it was unfair to his company that I felt like they were not giving me help. He was condescending and disrespectful to me. They have all the cards, they dont have to do anything to help me because they know if I dont make my payment they will just put me in default. I'am left with taking money from my food, electric, and phone bill to make their payments because I do not want to go into default. I understand business again my issue is that I have been responsible in making my payments I havent made a late payment in that time period. I just want to add my name to this list because I want people to know before they get in a loan with Navient that they will give you a loan but if you ever find yourself in a difficult position they will not help you in any way to make your payment. The only help they have is " make your payment of go into default ''. People need to know these companies have no XXXX for the people they are supposed to be providing a service to, they want their money and there is no wiggle room. Please research this company before you decide to take a loan out.
Product: Payday loan, title loan, or personal loan

I received a summons today to appear in court against XXXX XXXX located in XXXX Tennessee. I previously filed a complaint against them. I paid off any checks I had with XXXX XXXX and the check that they are trying to collect on was made out to XXXX XXXX loans. I wasnt informed that XXXX had sold out to Cash Express. I found that XXXX XXXX was ordered in 2018 to pay restitution to consumers of XXXX. I never got any of that money. Im physically able to appear in court. Im on Social Security and XXXX years old. I have learned that Cash Express was barred from filing court action.
Product: Credit card or prepaid card

I purchased a netspend card on XX/XX/2020 and loaded {$160.00} into the card. When I got home and tried to activate the card online I was given a phone number to call saying my card could not be activated online. I called the number and was placed on hold for 45 minutes. Finally I was informed I had to email a picture of my drivers license and a letter or bill with my address and it would take 6 business hours to process. I did this and 6 hours later received an email that stated the documents had been approved but they also needed a pic of my social security card. Even though the letter I sent in was from the IRS and my social was on it. At the time all I could find was a photocopy of my social so I sent that. Again had to wait 6 hours. Email came that said it could not be a photocopy. I found the letter the social security office gives you to use until your card comes in the mail. Sent that in. 6 hours later email came that said the email I sent was blank but I have the confirmation of transmission that clearly shows it wasnt. I call netspend. Waited on hold for 2 hours after being hung up on 3 times and was told they could issue a refund check but it would be 10 business days before I could receive it or I could resend document. By this time I'm furious. I again send it. Again was told it was blank 6 hours later. I found my social security card took a picture of it and sent that. Waited 6 hours no response. Called and was on hold 45 minutes. Then was told they never received an email. Again I have the confirmation of transmission. I tried to contact someone higher up in the company but was told i would receive a call from an analyst within 3 business days. Now at XXXX XXXX eastern time on XX/XX/2020 the card still is not activated. I have not received a call back and i still cant access the money i loaded on the card. I need help.
Product: Credit reporting or other personal consumer reports

Mortgage was transferred from XXXX to Selene Finance XXXX XXXX time of transfer i was on a forebearance plan with XXXX XXXX Upon transfer to SELENE- they had NO record of forebearance with XXXX Selene did send me welcome letter stating that NO credit reporting within first 60 days from XXXX. A Full regular payment was made XX/XX/year> and the house was sold XXXX where the mortgage balance was paid in full. I was with SELENE for a Total of XXXX XXXX XXXX XXXX XXXX YET they reported that I had 120 days late payment. 
I requested mortgage assistance from XXXX due to having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX billed me {$240.00} for a lab test I received. My medical insurance at the time, XXXX, paid the entirety of XXXXXXXX XXXX claim, except for {$240.00}. As the explanation of benefits included in the attached file shows, XXXX identified XXXX XXXX as an in network provider for my medical insurance, and stated that XXXX is not allowed to bill me for the {$240.00} that XXXX refused to pay. In spite of this, XXXX has continued to bill me for this amount. On XX/XX/XXXX, I faxed XXXX XXXX a copy of my insurance explanation of benefits showing that XXXX had disallowed their claim and that XXXX is not allowed to bill me. XXXX XXXX ignored me and sought help from Credit Collection Services. This debt collection is unlawful under the Fair Debt Collection Practices Act because it violates XXXX XXXX contract obligations to XXXX for which I am an intended third party beneficiary.
Product: Prepaid card

I purchased XXXX prepaid, XXXX XXXX cards for {$500.00} on XX/XX/2024. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. XXXX/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes of delaying the spending down on the cards. When I called Incomm, they claim that the cards have been tampered with and I must file a case ID to get a refund check.

As of today, Incomm has sent a refund check for ONLY XXXX of the cards as part of case XXXX ID XXXX. They have yet to send the refund check for the other prepaid gift card worth {$500.00} and have requested that I open up another claim for that case. Current Case ID XXXX. 

I have attached copy of the email sent to Incomm as well as confirmation that their system has received the necessary documents.
Product: Debt collection

CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
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 XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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: Vehicle loan or lease

I am writing to file a formal complaint against XXXX XXXX located at XXXX XXXX  and Santander consumer, for unlawful practices regarding the repossession of my vehicle, and for failing to provide me with the necessary Truth in Lending disclosures and a written contract, as required under both federal and state law. 

Background : On XX/XX/XXXX, I entered into an agreement with XXXX XXXX to purchase a vehicle. I made the required monthly payments for several months, as outlined to me by the dealership. However, despite my consistent payments, my vehicle was repossessed on XX/XX/XXXX. This action occurred after I had made my most recent payment to them, which was accepted without any issue on XX/XX/XXXX. 

Failure to Provide Truth in Lending Disclosure & Written Contract : At the time of the sale, XXXX XXXX did not provide me with the required Truth in Lending Disclosure as mandated by the Truth in Lending Act ( TILA ), nor did I receive a formal written contract outlining the terms of my loan. Instead, I was given a piece of paper indicating the monthly payment amount and no further documentation regarding the total cost of the loan, interest rates, or the repayment schedule. Under federal law, specifically the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), lenders are required to provide clear and accurate disclosures of the loans terms, including the APR, finance charges, and the total cost of credit. 

Additionally, under North Carolina state law ( North Carolina General Statutes 25-2 ), it is illegal for a dealership to engage in financing practices without providing the necessary written agreements and disclosures. By failing to give me a formal contract and not complying with the Truth in Lending requirements, XXXX XXXX has violated both federal and state laws. 

Illegal Repossession : Furthermore, repossessing my vehicle after accepting my monthly payment is unlawful. According to North Carolina General Statutes 25-9-609, a creditor must give proper notice and can not repossess a vehicle if the borrower is not in default. Since I was not in default at the time of the repossession and had made the necessary payments, the actions of XXXX XXXX were not only in violation of consumer protection laws but also in breach of our contractual agreement. 

Thank you for your attention to this matter. I look forward to your response and prompt resolution.
Product: Credit reporting or other personal consumer reports

Ive used Lexington Law before also I was paying them quite a few times and never received any positive news and the credit repair services are just as worse all I wanted to do was gain some credit with help if they could even help at all. My information has been on the XXXX market meaning my emails and some passwords were compromised they even had the nerve to try and make up accounts with my information yet no help replied years of trying to apply for credit only to be denied and my score goes down well thats enough to make you stop trying right well..
Product: Debt collection

XXXX XXXX XXXX  calls me regularly, at least once per weekday, from a variety of phone numbers so that no one harassing number can be blocked. They almost never leave a voice mail message. 

They refer to me using a maiden name I have not used legally in over 15 years. 

I do not owe any debt. These calls are pure harassment. I have received no mailings, email, or other proof of whatever debt they are alleging that I owe. 

Recent calls from various numbers include : XXXX from XXXX XXXX from XXXX XXXX from XXXX XXXX from XXXX
Product: Credit card or prepaid card

Fraudulent charges : Amounts {$1200.00}, {$5000.00}. Date XX/XX/2023. XXXX dispute opened by me with Apple Card XX/XX/2023. XXXX dispute for XXXX closed and reopened XX/XX/2023. XXXX dispute for XXXX still open until XX/XX/2023. 

My card information was stolen from me via a phone scam. The scam was human engineering by callers who spoofed the Apple Card support phone number. 

I received a call from scammers impersonating Apple Card support. Claiming there were fraudulent charges on my account, the scammer led me through a series of steps where I shared information about myself and accounts so that the charges could be reversed. This included reading previous charges, my XXXX, expiration date, but not my card number. When I answered the call, The scammers already had some access to my account which I am unaware of how they stole for example, the scammers knew my current account balance and they knew the first XXXX digits of my credit card. On the phone, I gave other information like my XXXX code under the pretense I was verifying my info with XXXX XXXX. 

The next day, I noticed XXXX fraudulent charges on my account to a merchant named XXXX in the amount of {$1200.00} and {$5000.00}. 

I reached out to XXXX XXXX. They informed me the previous days callers were not the real XXXX support, and that my personal information had been stolen from me. I opened a fraud dispute. 

Yesterday, my fraud dispute was denied by Apple Card. Apple Card claims that they got evidence from the merchant that I authorized the charge. However this is false. 

My information was stolen from me by fraudulent means and the used by another individual without my authorization. There was never any expectation that any charges should me made or any services or goods received, and indeed no goods or services were exchanged. 

XXXX XXXX claim that this is an authorized charge is not true. I believe I am protected by XXXX XXXX my information was stolen through fraud or force, there was no benefit purported or received ( the scammers claim is to reverse fraud charges ), and the user who made the charge did not have my authorization to make any charges.
Product: Mortgage

XX/XX/XXXX is the original note date XX/XX/XXXX modification date XX/XX/XXXX maturity date Home Affordable Modification Agreement reads new principal balance {$490000.00}. 
Item C reads {$29000.00} of the principal balance shall be deferred and I will not pay interest or make monthly payments on this amount.The interest bearing principal balance is {$460000.00} at a 3.75 % fixed rate at 248 payments. 
Then a Balloon Payment Disclosure states a balloon payment of {$330000.00} will be due XXXX/XXXX/XXXX. I don't understand this loan and the payment doesn't make sense nor was it explained that way to us when we signed the papers that after paying almost $ XXXX we will need to then pay {$330000.00}. 
On XX/XX/XXXX my husband spoke to PHH customer service rep XXXX ID # XXXX and asked for clarification. He was told at the end of the 30 years we would have to pay about $ 30k and we are on track to pay this off in 17 years. XXXX said he didn't see anything about the {$330000.00} so he could explain that to us. Something isn't right and it looks like we are being defrauded. We attempted to refinance this loan recently but the loan officer ( XXXX XXXX XXXX ) said we needed to see a Real Estate Attorney to see if this loan was legal. She said it didnt make any sense to her and at this point couldn't help us. Something isn't right and the lien holder can't explain it to us. In addition to all of this chaos, PHH isn't applying our payments correctly. They took over servicing from Ocwen in XX/XX/XXXX and the nightmare continues just as it did when Ocwen was servicing the loan. Our payments are being put into suspense and applied to the principal balance when we are making a regular payment. That is triggering our account to reflect being past due and bogus late charges applied to our account. We need to know if this mortgage is legal, we need to understand it and hopefully get someone to refinance us so we don't have to deal with PHH anymore. I have sent them numerous emails about the payments not being processed correctly and it just continues to happen. They don't know how to service loans and can very well kill our credit/fico scores because of their inability to do their job correctly.
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 violates the consumer financial protection act, CFPA. Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic funds transfer act, efta and regulation E.

These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted disputes with Experian, XXXX, and XXXX. Along with each dispute, I provided the required proof of identity and proof of address to ensure proper processing. 

As of today, XX/XX/XXXX, I have not received any correspondence or updates from any of the three credit bureaus regarding the resolution of my disputes. This lack of response directly violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate and respond to disputes within 30 days. 

I am requesting an immediate review and resolution of the issues I raised in my original dispute. Additionally, I expect a detailed explanation for the delay and confirmation of your compliance moving forward.

Please prioritize this matter and respond promptly. Failure to do so may result in further action to protect my rights under the FCRA.
Product: Debt collection

This company has called many times and I have asked them to cease and desist all communication with me. This company is not LISCENSED to collect debt in my State and has illegally obtained my information for a debt that I am not positive is mine. According to NMLS, this company does not have registration in the state of Florida. Therefore, I want this removed from my credit!