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

BRIDGECREST XX/XX/XXXX XX/XX/XXXX or the XX/XX/XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me BRIDGECREST let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so BRIDGECREST handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got lock up with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )
Product: Mortgage

XXXX XXXX XXXX. Mortgages sold my mortgage to PNC bank. 

An adjustment was already made to my mortgage in 2022 for increased taxes. 

My mortgage was initially {$1000.00}. 

In XXXX of 2022 it increased to {$1300.00}. 

I have not been given access to view or understand my account with PNC bank, but they withdrew {$1400.00} from my XXXX XXXXXXXX XXXX account on XX/XX/2022. This was the first payment to PNC. 

No declaration of the increase was sent to me. No reason for the increase was told to me when I contacted PNC. 

This an additional 10 % increase in cost for a total of 40 % in 2022. 

I am at a loss on why and how they can withdrawal additional funds from my account without contact or explaining the withdrawal to me..
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( e ) b 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 ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Bankruptcy Chapter XXXX Bankruptcy, has violated my rights . 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

We currently live in XXXX and have been for twelve years, and I've been dealing with this annually on my visits home in California and over the phone ( XXXX ) and emails but I can't figure this one out.  Any advice is welcomed. 

Basically I got stock for a company that I worked in the US ( XXXX ) ran now by the company called XXXX before moving to XXXX. Before I left I contact them and my bank Citibank and wanted it sold and rolled into my IRA. 

Now what happened was the stock company was contacted by Citibank, but Citibank however forgot to input it into their system. 

So for over a decade I can't access, sale or collect dividends on my stock because it shows the bank 's name as head of the account.

The bank has nothing on their end and refuses to help ( for example writing letters showing they are not the owners of this account or stock, and the reason is they don't show it ). 

Every year I go back, I make calls, and every year poorly educated individuals swear this time it's fixed. This has been ongoing for over a decade. As you can tell neither company is willing to understand and says they can't help it without the others acknowledgment. 

The stock company refuses to give me the previous dividends since the openning of the account over a decade ago, although they told me over the phone they can, and the bank refuses to write anything saying they don't show that account for me in their system and are not the owners of it. The stock account ran by XXXX is named Citbank NA IRA Rollover XXXX XXXX XXXX. 

Im exhausted, I'm tired and I'm sick of wasting precious vacation time back home away from aging family at a bank for a few days each trip or on the phone. 

I want all dividends reissued to myself, and I want Citibanks name off of my accounts since they have refused to resolve this issue. I want to auto-deposit dividends into my XXXX account from here on out and don't want to deal with Citibank. 

My address has been updated to a XXXX address at both companies.
Product: Mortgage

XX/XX/XXXX Opened probate on grandmother 's property which has turned complicated. My father ( who's an XXXX Veteran, had been living at the property for XXXX  years and paying the mortgage on time and taxes and insurance when in XXXX XXXX recieved notice to probate property from XXXX XXXX XXXX. We then opened probate and lost XXXX family members ( two out of 3 heirs, including my father ) so we had to get a new lawyer and revise probate which is current. I, named administrator, was in process of claiming successor of interest with XXXX XXXX XXXX. When they sold the loan to XXXX XXXX. I was in process to working with XXXX XXXX to reinstate the loan, at that time the reinstatement was approximately {$800.00}. When I called them back a week latter they had sold the loan and didn't know who had it. I called back a week later and they give me a number to call. They said they had received it but no one had looked at it yet and they didn't know anything about it, to call back XXXX. ( a week ) So I called back and they still had no information about the loan. Next I knew, Fay servicing Taped a note on the door of the house saying property vacant or abanded and a phone number to call. So I called the number and finally got through to someone and they told me they need Letter of administrator. So I sent through email they gave me. Then they say they didn't receive it. Mind you by this time they have contracted people to rummaged through my family home " throwing away perfectly good can goods '' taken a box of papers and changed the locks. I was told by outside mortgage assistant Letters of admin. Is all they need. I've sent Letters of admin., death certificates, my birth certificate. They were going to let me pay XXXX to reinstate the loan but he said i had to pay it that day, right then and was being rude and it made me leerie because i didnt want to be scammed. I told him i needed to check on it and i would call him back. I called back a few days later and the amount then was XXXX. This made me weary but i ended up paying them XXXX. Then 30 days later i tried to make a payment and they said they couldnt except any payments and my heart hit the floor. I checked my bank acct. And they had returned the XXXX luckily, i thought i was scammed for a minute. The last four times I talked with them over the phone they say they can't tell me anything until I have " transfer of title '' and I explained I can't get transfer of title until the end of probate. So it's been useless trying to communicate. Its been useless trying to make a payment. They locked the house and it's hindering me from living there or doing any upkeep to the place which is my administrative duties.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts are reporting inaccurate information. 

XXXX Account Number : XXXX XXXX XXXX Experian / XXXX XXXX Account Number : XXXX XXXX XXXX/ Experian / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid  accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on my credit report
Product: Debt collection

I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them. 
When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while in a XXXX. I suffered from XXXX  as well for the last XXXX. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with Equifax. 
All three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO " VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these accounts. 
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  SEE ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital/ XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage # XXXX Mortgage swapped several times between OCWEN and PHH ( who is owned by OCWEN ) Purchased property XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX of Market Bubble Applied for HAMP in XXXX and finally was processed XX/XX/XXXX. 
8 % loan reduced to 4 % but term turned from 30 year total ( 21 years remaining ) to a new total of 42 years, with a $ XXXX balloon at end of original 30 year term. 
Timely - I think not. Letter stating a {$5000.00} deduction from principal due at 6 year anniversary of HAMP - in XXXX of XXXX. Letter also states you CAN NOT TOUCH the loan, as is if you refinance this - you lose the {$5000.00}. That translates into a LOCK against refinancing at current rates of 2.6 %. That is corporate bully/robbery
Product: Credit reporting or other personal consumer reports

I am writing in response to your correspondence dated XX/XX/year>, requesting further verification of my identity. I find it extremely frustrating to have to repeat the process of submitting my personal information to you, especially given the numerous letters, supporting documents, and consumer complaints I have already provided. I have previously submitted this information through multiple channels, including consumer complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office.

Please be advised that I have thoroughly addressed your verification requirements in the past. To expedite this process and avoid any further delays, I have included a copy of my state-issued identification as requested. Below are the account details I have already provided : Account Name : DEPT OF JUSTICE Child Support Account Number : # XXXX Account Number : # XXXX Account Number : # XXXX I respectfully request that you review the attached documentation and resolve this matter without further delays. I trust that with this information, you will be able to confirm my identity and update my account information as needed. 

If you require any additional information, please contact me at [ Phone Number ] or [ Email Address ]. I expect a timely resolution to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid pandemic, I was in forbearance plan and on my credit report show XXXX late payments?? Could you please remove late payments for me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the reporting of inquiries that I have attached to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an inquiry was made by XXXX credit using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX credit to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX credit is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX Balance : {$110.00}, XXXX  XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$75.00}, XXXX  XXXX Balance : {$21.00}, XXXX  XXXX Balance : {$80.00}, XXXX  XXXX Balance : {$210.00}, XXXX  XXXX Balance : {$31.00}, XXXX  XXXX Balance : {$310.00}, XXXX  XXXX Balance : {$28.00}.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

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  ACCORDING TO THE FCRA IT IS A VIOLATION. 
I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, Experian has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Product: Credit card or prepaid card

On XX/XX/2022 my wife, my son and myself used three credit cars to make a purchase with XXXX XXXX XXXX in XXXX XXXX XXXX The original charge was approximately {$15000.00} split fairly evenly between the three cards. 

After the company failed to produce the product as agreed upon in the contract, we attempted to contact company via email, phone and text and could never make contact or receive any call back or email. 

In XX/XX/2022, all three of the cards used put in a fraud claim with their credit card companies and we each received confirmation of a provisional credit by around XX/XX/2022. My letter from Barclays was dated XX/XX/2022. My actual credit came on XX/XX/2022. 

My card alone had the charge reversed on XX/XX/2022 XXXX 's said the charge was valid. This came despite the fact that I have received nothing up to this date. 12 CFR 1026.13 ( a ) ( 3 ) states a billing error for a service not delivered to the consumer as agreed. 

I would appreciate your assistance in this matter. XXXX XXXX