23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

APPLE CARD/GS BANK USA XXXX
Product: Mortgage

I am refinancing my mortgage with my mortgage banker. ( Same person who did my original mortgage. ) Since my credit was pulled, I am getting a lot of mailings with refinancing offers which is expected. I received the attached in the mail, and was almost tricked into thinking these were from my original mortgage banker XXXX XXXX XXXX. Due to the confusion, I went out of my way to call XXXX XXXX XXXX and ask them about this. 
I looked up some of the regulations, and found that this was not supposed to be happening. 
Regulation N defines mortgage credit product as any form of credit that is secured by real property or a dwelling and that is offered or extended to a consumer primarily for personal, family, or household purposes. For a mortgage credit product, the regulation prohibits certain material representations in any commercial communication about any term of a mortgage credit product, including : The association of the provider of the mortgage credit product with any other person or program ; I am hoping something will be done to limit this type of marketing in the future.
Product: Mortgage

I used LoanCare 's " Contact Us '' form to inquire about canceling my PMI in XX/XX/XXXX. They have not responded and there is no way to access communications on their portal. I am still being charged PMI payment but I have been able to cancel since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof XXXX XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.
Product: Credit reporting or other personal consumer reports

This account is not mine, I want it deleted as soon as possible, negative for me. 

XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 


Please block and delete these closed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Equifax and XXXX has not corrected the information that they have allowed to be reported on my credit report. Instead of being in complying with the credit reporting laws 15USC 1681 these two companys took it upon themselves to contact the creditor and update an item that t asked them to remove from my credit report. The company that reported on my credit report did not have permission to report on my credit report and failed to supply any documents to show that I agreed to them reporting on my credit report. I asked Equifax and XXXX to removed the items and to date the items are still being reported on my credit report. And the two companies just took it upon themselves to contact the company and update the information. These two companies have No permission or authorization to report any information from this company on my credit report.
Product: Checking or savings account

I am trying to link my PNC bank checking account to my broker account in the XXXX app for stock trading. I get an error that says pnc has made changes that make it not possible to link my accounts together through their easy linking partner called " plaid ''. There is no other way for me to link my account through XXXX and pnc needs to allow me to link my account.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 at XXXX, XXXX and XXXX XXXX the Fraud Department of Chase Bank called my cellphone but it was turned off. XXXX XXXX from XXXX, Texas, and XXXX XXXX were both confirmed by Chase as employees of the bank and were confirmed as accessing my account at those times. After missing those three calls I received a text appearing to be from the Chase Fraud department at XXXX XXXX saying " We declined {$500.00} with card ending in XXXX at XXXX XXXX XXXX XXXX  Was this you? Reply YES or NO. Msg and data rates may apply. '' I replied " No ''. I received a text back saying " Chase Fraud : Thank you. A fraud representative will be calling you shortly. '' At XXXX XXXX I received a call from the Chase Fraud telephone number. ( If criminals had the ability to spoof the Chase Fraud telephone number Chase should have warned their clients NOT TO TRUST any incoming call from the Chase Fraud Department. An hour and three minutes later at XXXX XXXX {$2700.00} was fraudulently wired from my business account to an account at XXXX XXXX XXXX Chase Bank then properly blocked three subsequent attempts to wire more money. My claim for reimbursement has been denied and then reopened and denied three times. They clearly knew my credentials had been compromised when they'd tried to call me three times earlier that morning and should have blocked this first fraudulently sent wire, as they did the three subsequent wires. Claim # XXXX. Escalation # XXXX. Further exact details and exhibits will be attached to this report.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX, Said, That they would be delivering Papers to My Job Or Home, Calling from This Number XXXX, Calling by Married Name, Have n't Used in 19yrs Cursing at me, And Threatening Me.
Product: Checking or savings account

I dont have access to all the dates as I closed my account with Wells Fargo due to losing my job and having a negative balance. I gave them a date when I would get my first check to pay it and bring the balance to even and they closed it the day before that date. Not working with me even though I was a customer for a lot of years. However, that is not the issue. Just a complaint I have and now I dont think I have access to the dates and countless phone calls and unfair XXXX $ fees that I had to pay them over the years. They would show my balance as positive and every transaction I made on a Friday thru Sunday they wouldnt post until Monday and I would sometimes have 4 or 5 {$35.00} dollar charges at one time. I couldnt catch up. I called and countless phone calls how it wasnt fair and sometimes they would erase one to keep my business. They knew it was sneaky and never did the right thing. Took advantage of a paycheck to paycheck customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both Experian and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent XXXX an identity theft reporter and ask them to look into information on my credit report that was fraudulent. Equifax has yet to block information I requested. Its been more than 4 days to which I have yet to get a response or notification acknowledging my complaint, violating FCRA under 15 U.S. Code 1681c2 ( a )
Product: Vehicle loan or lease

On XX/XX/2023, I leased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX. This was my first experience leasing a vehicle. During the lease period, I was misled into believing that the car would be fully paid off at the end of the lease.

Several months later, I discovered that I would still be responsible for a residual value amount after the lease concluded, which was never disclosed to me at the time of purchase. Since realizing that the residual value constituted additional funds I would need to pay if I decided to keep the car after the lease ended, I have attempted to negotiate a lease buyout on several occasions. However, I have consistently encountered resistance from
Audi Financial. Despite making on-time payments for approximately 19 months, Audi Financial has refused to consider a lease buyout for my vehicle. They have requested an excessive down payment as a prerequisite for even considering the transaction. This entire situation has been an arduous and frustrating experience.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

A major medical crisis took place in XX/XX/XXXX for borrower, which caused original delinquency. Then co-borrower lost job due XXXX in XX/XX/XXXX.  Borrowers tried to bring the loan current despite a reduction of income and extensive medical debt. Borrowers continued on this course until delinquency hit foreclosure status. At that time borrowers were referred to make contact with a HUD Certified  Housing Counseling Agency. 

Borrowers began to work with XXXX of XXXX ( A division of The Partnership for Families Children and Adults ) in XX/XX/XXXX. Time line is as follows : 1. Borrower response package was submitted XX/XX/XXXX thru Hope Loan Portal 2. Deemed complete by Ocwen XX/XX/XXXX. 
3. Submitted to Underwriting XXXX XXXX 4. Approved for Trail Payment Plan for streamline modification XX/XX/XXXX 5. Trial Payment Plan began XX/XX/XXXX 6. Trial PP should have ended XX/XX/XXXX 7. Status request sent to Ocwen XX/XX/XXXX to check on finalization of mod 8. Status request again sent to Ocwen XX/XX/XXXX 9. Response from Hope Loan Portal Specialist XXXX XXXX of Ocwen Mortgage on XX/XX/XXXX. Response stated *technology issue with Ocwen as the reason the modification had not been finalized or made permanent. 
10. Escalated the case thru Hope Loan Portal, direct contact with Ocwen via escalation email and fax on XX/XX/XXXX 11. Final approval granted XX/XX/XXXX with final approval going to attorney XXXX XXXX 's office. 

Borrowers made 10 trial payments through the trial payment plan. While in the TPP the borrowers were forced into a Chapter XXXX bankruptcy for self employed business debt XX/XX/XXXX. **Please note that communication with Ocwen continued through the Hope Loan Portal and via telephone AFTER the consumer filed. 

Because the borrowers were in an active bankruptcy when the final loan modification documents were approved they were sent to the borrowers attorney XXXX XXXX, even though the borrowers had not included the mortgage in the business bankruptcy. This delay in documents and late post mark of documents cause the finalization to fail. 

Appeal being made based on timeline asking for final loan modification to be honored. Borrower was only given 14 days to return documents after final approval. Borrower was not given even 30 days. Borrower made 10 trial payment while waiting on Ocwen to finalize the modification - Ocwen had 310 days in which they did not process the streamline modification, yet only gave the borrower 14 days to respond. 

We asking for assistance with escalating to the correct team or unit to OVER TURN or OVER RULE the denial of the final modification based on the timeline.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I do n't change my address. I 'm still live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. So last change my address is incorrect.
Product: Vehicle loan or lease

I wanted to express my poor customer service experience and concerns with my recent purchase of my XXXX XXXX from Carvana. 
This is my 2nd purchase from carvana and the first time the process was seamless and had no issues which brought me back to purchase again. 

However this experience has been far less than pleasant. Many issues have left me frustrated and spending my entire Saturday trying to resolve them. 

First I paid XXXX $ for delivery and due to unforeseen circumstances the delivery process was delayed by 2 days on Carvanas end. No apologies, return or partial return compensation of my delivery expense. 

Second- This past Saturday XX/XX/XXXX. The car was delivered and the car was not washed, had not been cleaned out on the inside. Dirt and dust was very visible inside the vehicle. I had to wipe the car clean inside before even driving it. 

Third- It was missing the roll up cargo cover. I immediately notified the advocate at delivery. He advised me Carvana would not provide although it was listed as a feature on the vehicle. 

Fourth- and most concerning. as soon as you drive the vehicle and press on the brakes the front end of the car shakes extremely hard. Which leads me to believe an inspection was NOT completed. Immediately contacted customer service who rerouted me to XXXX XXXX. Who rerouted back to Carvana because they did not have a contract. I spend 3 plus hours trying to get my issues resolved and still have not. 

I'vespent a significant amountof time contacting Carvana, speaking with different advocates receiving several conflicting information I love the car by all means but the customer service experience by far has left me disappointed and frustrated. This has tainted my excitement in even receiving/purchasing a new vehicle and I have all these unresolved issues. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I would not want any customer to have the same horrible customer service I've endured. 
I would like all of my concerns address and some assistance from someone without spending the entire day making calls to find a resolution
Product: Checking or savings account

In early XXXX XXXX XXXX XXXX, I made direct deposits to the applicable XXXX XXXX XXXX XXXX XXXX  at Stellar Bank. At the XXXX XXXX in XXXX teller XXXX carefully viewed each account to ensure the proper deposits to cover loans. In XXXX the same was done at the XXXX XXXX XXXX Stellar Bank. But I began receiving phone calls from Stellar Bank that my accounts were overdrawn. I informed her that was not so and I had the support of both tellers confirming my position and deposit slips. It did not matter. I emailed a second notice to XXXX XXXX, XXXX, Stellar Bank XXXX XXXX XXXX was assigned to these concerns. XXXX and another representative earlier reduced my checking accounts to avoid monthly small fees. Things became so desperate that I allowed XXXX to be in charge of XXXX XXXX accounts. However, I opened yet another letter from Stellar Bank dated XX/XX/, indicating now that a loan account has a total principal due of {$620.00} and interest due of {$910.00}. When XXXX XXXX left Stellar Bank, only then did problems surface. Once, XXXX located {$1600.00} deposited that a teller had not made. If there was an issue, he would call me and we would resolve it. XXXX XXXX XXXX XXXX and only problems under him.
Product: Money transfer, virtual currency, or money service

Venmo froze my account on XX/XX/XXXX which currently holds {$1000.00}. 

Venmo told me that I have XXXX accounts opened which violates their terms. I did not knowingly open XXXX accounts, I have XXXX phone numbers ( work and personal ) and in the past people have sent me money to both phone numbers. Venmo automatically opens an account with a phone number when money is sent. That is how and why I had XXXX accounts open. 

I did not knowingly violating any terms. 

Venmo has only told me my account is frozen and I have violated the terms. I've asked 3 times how will I get my money back, and Venmo has not responded to this question. 

{$1000.00} is alot of money to my family and I really need to get my money back from Venmo.
Product: Debt collection

I am writing to report an identity theft incident and the wrongful collection of an alleged debt under my name. I discovered this fraudulent account on XX/XX/ and I immediately filed an identity theft report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX XXXX opened XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States a consumer reporting agency can not furnish account without my written instruction.

Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information
Product: Money transfer, virtual currency, or money service

My complaint is about the US trading platform XXXX XXXX and thus also about XXXX. For about a month I no longer have access to my funds on XXXX XXXX. I have already made several attempts to contact support. In the meantime over 25 times. So far I have not received a solution to the problem and my balance is frozen. My only goal is to withdraw my own money from XXXX XXXX again, but I am being denied for no reason at all. In total ( / BTC / ETH ) it is over XXXX.
Product: Checking or savings account

TD Bank Teller, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL branch begun working at this location XXXX He verbally admitted that he used my SSN to access an old account I had under TD Bank that I was unaware of. He stated that I had a balance of $ XXXX. At NO POINT did I give him access to my SSN or give him permission to access any accounts under my name. I have never stepped foot inside this branch or any other TD Bank locations in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX area. I officially made a complaint on XX/XX/XXXX and received no resolve. As of XX/XX/XXXX he is still employed at this location and bragging about being promoted up to manager soon. When I contacted Ethics and Compliance, XXXX XXXX was able to confirm that I had an old account opened in XXXX back in XXXX and that the only way it could be accessed at the branch level would be via debit card or SSN. A bank teller illegally looking into consumers banking information should be terminated immediately.
Product: Vehicle loan or lease

The XXXX XXXX XXXX  I am financing with Santander Consumer, The car is totaled and has been for almost 3 months, my insurance company has been ready to pay them out, they are unable to produce a title for the vehicle after 1 year+ I have owned it, This is impacting my credit score greatly .... They have tried " gaining the title for the last 3 months '' and said it is my problem... I see no way in figuring this out and each day that goes by my credit is being impacted.