23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ) emphasizes the importance of consumer reporting agencies acting responsibly with fairness, impartiality, and a respect for consumer privacy. XXXX, XXXX, and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is protected. This right is reinforced by 15 USC 6801, which mandates that financial institutions respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. As per 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. I have not given XXXX, Experian, XXXX, or any financial institution my written consent to share my information. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. According to 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was not informed of this right by the information furnishers to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report that is older than seven years, except for records of convictions of crimes. The adverse account being reported by XXXX and Experian is without my permission and is against the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Also, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations of section 1681c and to ensure that reports are furnished only for permissible purposes. XXXX, XXXX, and Experian are failing to maintain these procedures. Lastly, under 12 CFR 1016.7, a consumer has the right to opt out at any time. I am exercising my right to opt out of the reporting services of XXXX, XXXX, and Experian.
Product: Debt collection

I'm writing to the Consumer Financial Protection Bureau to report a XXXX XXXX that is mistreating me and utilizing improper communication techniques when it appears on my credit record. I ask that the CFPB office check into my matter. The balance of this account {$510.00}, LVNV FUNDING LLC XXXX, has just appeared on my credit record without any prior notice to me.There was no phone call or written letter to me, so I can't let them know they've got the incorrect person. I have no idea how they obtained my information or my social security number, but they suddenly appeared on my credit report. I owe this business nothing, and My XXXX XXXX has significantly decreased, according to a warning I'm receiving from my credit monitoring service and XXXX XXXX.I haven't received a call or a letter, so I can't let them know they've got the wrong person. My social security number and personal information mysteriously appeared on my credit report, and I have no idea how they got hold of it. My XXXX XXXX has considerably fallen, according to a notice I'm getting from my credit monitoring service and XXXX XXXX, and I owe this company nothing.Since I've previously experienced identity theft, I keep very careful tabs on my financial situation. This appears to be a case of the debt parking I read about on the XXXX website. The XXXX XXXX XXXX has taken action against XXXX XXXX firms it claims fraudulently or dubiously added debts to consumers ' credit records in an effort to pressure them into paying the obligations. This is designated as XXXX XXXX XXXX XXXX XXXX recently took action against a XXXX XXXX XXXXXXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said in prepared remarks about the XXXX settlement with the company, LVNV FUNDING LLC XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections.Consumers are shielded from these unlawful conduct by a legal process. My XXXX XXXX is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a XXXX XXXXXXXX  to seek financial relief. A new collection that I have never spoken to or received any correspondence from has appeared on my credit record. I am writing to inform you of this infringement so that you will be aware of my disagreement with and dispute with this account. I have NO financial obligation to this company and they have just reported to my credit THIS XXXX. This is in violation of my rights because I have NEVER had communication nor received a RIGHT TO DISPUTE letter from this company. I DISPUTE THIS ACCOUNT, THIS IS NOT MINE. I demand they furnish the original information pertaining to this account along with all interest, fees and payment information. I am forwarding this issue to the CFPB as well.
Product: Credit card or prepaid card

My card was comprised on XX/XX/ heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting XXXX XXXX denied my dispute with no evidence how they reach that agreement I am highly upset I also filed a police report. I did not authorize none of those chorales my information was stolen along with my wallet and bag I will be reaching out to an attorney
Product: Checking or savings account

On XX/XX/2018, Netspend disbursed interest into the Savings account, but then Netspend promptly withheld some of the interest income claiming that I am subject to backup withholding. I am not subject to backup withholding for the following reasons : Netspend has my correct social security number, I'm a US citizen, and I have not received any notice from the I.R.S. that I am subject to backup withholding.
Product: Credit card

I am victim of identity theft, my personal information was stolen and compromized or used and in results I've got three fraudulent accounts on my credit report. Here are all the details of these three fraudulent accounts : 1 ) Account Name : OPORTUN/PROGRESO FINANCI ( This account shows only on XXXX and XXXX ) Account Number : XXXX Type : Unsecured Open Date : XX/XX/XXXX Balance : {$3100.00} Status : Account charged off. {$3400.00} written off. {$3400.00} past due as of XX/XX/XXXX. 
2 ) Account Name : XXXX XXXX  ( This account shows only on XXXX and XXXX ) Account Number : XXXX Type : Credit card Open Date : XX/XX/XXXX Balance : {$0.00} Status : Paid in settlement. 
3 ) Account Name : XXXX XXXX  ( this account shows on all 3 Bureaus - XXXX, XXXX and XXXX ) Account Number : XXXX Type : Credit card Open Date : XX/XX/XXXX Balance : {$0.00} Status : Paid in settlement. 
All these accounts are fraudulent. I have never authorized them, I have never registered them before. Also I have never logged onto them, I have never paid for them and I absolutely never signed any documents or contracts on them. I already called to XXXX credit bureaus, disputed with them, I prepared an FTC report and again disputed them all.
Product: Debt collection

I never received a 30 day notice from XXXX XXXX XXXX regarding this debt. No phone calls, mail correspondence or e-mail correspondence. I was not able to respond to the 30 day letter as I did not receive it. I had no idea this debt existed until I received an advertisement from XXXX XXXX XXXX. I contacted your office and they provided a response stating that I needed to respond by XXXX ( couldn't respond due to the fact I received nothing from XXXX XXXX XXXX ) and within " seven days they filed a lawsuit and provided a one page statement with my name and the balance due. During this prior filing I requested each and every Capital One XXXX statement since I am a victim of identity theft. They provided a one page statement with a balance due. 

I still need to obtain the Capital One statements from account XXXX from the first one issued to the most current. Plus I need to know how much of that debt is actual charges, late fees and interest for the police report with the XXXX XXXX XXXX XXXX XXXX. I also need the contract between myself and Capital One from when this account was opened. 

At this point I am being forced to pay over {$7200.00} and all I have is a one page statement with a balance due.
Product: Credit reporting or other personal consumer reports

Over 7 years ago I opened a credit card. Had trouble paying, but then paid it all off 100 % at the same time it hit my credit report. The reports show it as paid with a XXXX balance. However, it has been a very long time and the tradeline is not being removed. The card company indicated through investigation that they can't find the account under any search parameters yet they still report it as accurate. Its been 7 years and all parties refuse to remove this from my report. 

Credit card company is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report from Experian, there are many credit report requests from XXXX XXXX. I dont have an active credit card with them and Experian should not share that information with them.
Product: Checking or savings account

XXXX XXXX- I opened a checking account for my son, and when I opened it, I keyed in the incorrect SSN. Upon discovering this, I called XXXX, and reported it. They wanted me to forge a federal document ( W-9 ), and sign my name to my son 's information, to correct the SSN, that they allowed to be opened in the first place without a W-9. The " Certification '' section of the W-9 certifies that " The number shown on this form is MY correct taxpayer identification number. '' And since it is NOT MINE, I can not sign it. I verified that can sign a W-9, since it is NOT a contract, and just attesting to the correct information. They refuse to correct the information, and are refusing to give me my deposit of {$50.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Requested for debt validated as I don't owe the balance. 
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Original Creditor XXXX XXXX  Account number XXXX } balance XXXX I do not have a contract with this company and I don't owe the debt, please delete immediately. I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as statement from XXXX which I obtained on XX/XX/2024 which shows XXXX balance due. And if you look at the documentation presented to your office and sent to me when I sent my first dispute the balance listed is XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i  ), you are required to complete your investigation within 30 days. 
I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 


Please see attached.
Product: Credit card or prepaid card

Synchrony Bank unilaterally closed my account without notification some time before XX/XX/XXXX They say they closed the account due to inactivity, as specified in their online terms and conditions. Of course, their terms and conditions do not bind them to notify me. 
The expiration date on the card is XX/XX/XXXX and so I should have been notified. 
This is not the first time, but this time I am tired of their incompetent arrogance, especially of their customer service manager XXXX. 
They offer store cards, confusingly and incompetently XXXX XXXX discontinued their services after less than 30 days, after they refused to accept responsibility for their actions XXXX and then close them. This results in hits to my credit score, over which I have no control nor recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} : XXXX XXXX XXXX {$0.00} XXXX XXXX these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00}XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had late payments on my Wells Fargo Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Product: Consumer Loan

After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint went completely disregarded by Experian. The response was, It appears that my complaint was not submitted by me? Not only have I identified myself through this website and in this very complaint, but I have already submitted MULTIPLE means of identification to Experian through means of address, Social Security Number, Copy of drivers license to Experian as well. REFER TO MY Previous validation requests submitted by certified letter on XX/XX/20, XX/XX/20, XX/XX/20 & XX/XX/20 and received by Experian for which I have proof. And Experian continues to play these games. And I will only be corresponding through this website or by mail as I was instructed by one of your customer service representatives and subsequently MY ATTORNEY. I will not stand for this any longer, this is currently becoming a litigious matter. AGAIN, here is my previous complaint .... 

I have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : XXXX
Product: Credit reporting or other personal consumer reports

I noticed a collection account from XXXX on my credit report. This is in litigation due to I had XXXX insurances when I had XXXX XXXX  XXXX. They blamed each other as to who was primary. This collection has to be removed for XXXX reasons medical bills arent part of collections, and this is in litigation with dept of insurance. These are XXXX violations that are XXXX per violation. I expect a payment, and I will let Dept of insurance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date it was reported as late XX/XX/2023 was incorrect and unverified.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding mulitiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with insufficient balance despite intialy avaliable funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is discriminating against me because I am a XXXXXXXX XXXX  XXXX  and not updating my " Payment Status '' on each Credit Report to show the XXXX  Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to XXXX XXXX regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.
Product: Checking or savings account

I want to link my bank account with XXXX XXXX, so that I can open a XXXX XXXX savings account. PNC does not let consumers link our accounts.
Product: Mortgage

I have a low income condo in XXXX, Massachusetts. My mortgage loan has been sold XXXX times and is now with a disgraceful company called Nationstar. I sent in my monthly payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, thinking my mortgage was fine. In XXXX they sent me back all XXXX payments, which had not been cashed telling me my mortgage was in foreclosure because I missed a payment in XX/XX/XXXX. 
Then a few days later I got a very poorly written letter from a lawyer in XXXX telling me I was in foreclosure. 
I do not understand how Nationstar is allowed to be un-regulated by the State. There are XXXX of people beingforeclosed on an the Atttorney General office of Massachusetts told me there 's nothing they can do. 
If you go to the website called consumers affairs and put Nationstar into the search bar you will read XXXX of reviews by consumers about being illegally foreclosed upon with no aid from any state or federal agency. I guess this is what banks being un-regulated has created. Nationstar says it is a Mortgage company, it is not it is a debt collector, they just collect monthly payments, the Attorney General 's office told me, " oh, we know all about Nationstar, they do n't want monthly payments they want the loan paid off, because when the loan is paid off is when Nationstar gets paid in full. " So I am bewildered why our Attorney General is allowing this to occur to Massachusetts residents. 

There are several class action lawsuits taking place across the country suing Nationstar, XXXX of which in XXXX, Washington that I am a class representative for. A couple in Michigan sued NS and won a XXXX XXXX dollar settlement with NS for fraudently forclosing on them. 

If anyone can offer me any assistance it would be greatly appreciated,