23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American Account Advisors has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). American Account Advisors isn't a creditor doesn't fall under a creditor per 1692a ( 4 ) .It is a fact that American Accounts Advisors is a collection agency and not a creditor, therefore they can ' extend credit to me, nor validate creditor foe me, as I'm the natural and original creditor. Meaning I owe American Account Advisors nothing and they don't have any right to demand payment from me. 

They proceed to violate my consumer right six times by listing six different accounts on my profile and sharing them with the reporting agencies XXXX, XXXX, and XXXX. They shared my personal identifying information with the agencies listed above to tarnish my repuation. This is fraud as I'm the natural person XXXX XXXX the consumer and original creditor of my social security number. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above, and validating debt as if they're in fact XXXX XXXX. 

I will pursue criminal and civil charges on a federal level and local in the state of Minnesota, if this issue isn't solved. Their actions weren't legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX  account number XXXX XXXX XXXX has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Vehicle loan or lease

GM Financial has reported late payments for XXXX, XXXX andXX/XX/2018 when in fact all payments were made on or before the due date. I have contacted them and they acknowledge that payments were made on the due date but state that because some months have more days the account is over 30 days if a month has more that 30 days in it my payment would have to be made a day early in some months. They refuse to correct their reporting!!! I have not made any payments beyond my due date and request that my record be immediately updated to reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a Chapter XXXX bankruptcy was filed, and discharged on XX/XX/XXXX. Under Federal law, this can only be reported on a person 's credit history 7 years from the date of the filing, if it has been discharged. Documentation can be provided upon request.

Bank of America, loan # XXXX, granted a refinance during this period of time. However, they are continuing to report to the Credit Bureaus the status of " Discharged through Bankruptcy Chapter XXXX Never late. '' This is an erroneous statement, due to the period involved. 

I have contacted BofA, and they are unable to direct me to the Department responsible for credit reporting. I am requesting the status comments be amended to " Refinanced/Never late. ''
Product: Checking or savings account

I made a purchase through XXXX and I did not receive what I purchased. I paid {$880.00} dollars for a XXXX XXXX XXXX rental from XXXX XXXX - XX/XX/year>. XXXX also charged a {$25.00} service charge. I never received a valid reservation for the funds I sent and the seller ghosted me and deleted their social media account. I have endless photos of faked reservation emails sent from a fake XXXX email account. I have all our chat conversations, her XXXX information and her full name or alias she used. Truist bank never asked me to provided anything other than a written statement. I also filed a police report. I reached out to XXXX and said their was nothing they were going to do to stop the transaction and Truist was contact before the payment went through and still refused to stop the payment and let it post. Now they have denied my claim stating we could each out to the merchant. I have already told them via a mailed in written statement that XXXX was no help and this was not a valid reason to deny my claim. They did not provide any proof of how they came to their dispute denial decision.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to you because Mercedes Benz of XXXX XXXX, violated so many of my rights and then denied me extension of credit. Mercedes Benz of XXXX XXXX, stated that their decision is not based on my credit score, then later stated that they made their decision based on my credit score and that is why they denied me and according to 15 U.S Code 1681b, They did not get authorization from me to pull my credit more than once, even after I asked was it mandatory. Mercedes Benz also violated 15 U.S. Code 1662 ( 2 ), that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments. The guy that was assisting me said that my downpayment and monthly payment will change according to my credit score. which ties into the next violation, 15 U.S. Code 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. I did not want to put a downpayment or agree to a co-signer so they denied me. Also, according to 15 U.S. Code 1611, Whoever willfully and knowingly gives false or inaccurate information or fails to provide information shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Even after I explained this to Mercedes Benz XXXX XXXX XXXX employees they still insisted to tell me I am wrong and kept trying to pursuade me to get a different car than I picked. I was told that I was not denied or approved, I asked the young lady for my Truth and Lending act while I was at the dealership and she told me that in order for me to receive a copy of my truth and lending, I would have to be approved and sign the contract. So nothing was explained to me all the way. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my consumer report, I concluded that XXXX Fifth Third Bank Acct # XXXX Violated 15 U.S. Code 6802 Rules of Construction for VIOLATION OF SECTION ( b ) OPT Out section ( B ) ( C ). 

( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

In addition, XXXX continues to re-age this debt by reporting recent payments that has not been applied.
Product: Student loan

Student Loans were originally serviced by Sallie Mae. In XXXX, I filed Chapter XXXX bankruptcy and they were included and they were discharged in XXXX. Now Navient continues to try to collect on the original loans. I have contacted them and they say that I still owe debt. So as result i applied for forebearance. Navient is under federal investigation for this very issue ( trying to collect on debt after it has been discharged through bankruptcy ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold this account number on XX/XX/XXXX  even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. 

The following are the specific accounts in question : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me.
Product: Debt collection

Williams and Fudge calls between 2-10 times per day. They tell me they are taking legal action against me. The tone of the calls feels very threatening. Also this is a debt I am not aware of and do not have any knowledge of incurring. I have blocked them several times and they keep changing their number and calling.
Product: Mortgage

I am complaining about OCWEN loan serving. My loan was sold to OCWEN in XXXX XXXX. My first payment was sent to them on time. Two months after they send me a notice stating the previous lender claimed I had not made the last XXXX payments. I sent copies of cancelled checks, and bank statements to prove I had paid them. They send me a letter stating they were satisfied. Two months later they start all over. I sent them again. Then they came back claiming I owed money from a bankruptcy chapter XXXX. I had the trustee from Texas send them information stating I had satisfied all paid money due to previous mortgage company, and nothing was owed. I was then sent in XXXX XXXX a foreclosure notice with a date to sell off my home in court the following month. I haired an attorney to stop the motion, and he immediately sent a no trespassing order, and tried for months to communicate with OCWEN. I even set up bi-weekly phone calls with OCWEN to try and resolve the matter. Then suddenly they state I owe XXXX from my XXXX mortgage, because they were posting payments to my second mortgage for 8 months. They reversed it back the my XXXX mortgage, but also took escrow to pay insurance and taxes first even though I had been paying entire note with escrow fees for both XXXX and XXXX mortgages. The attorney removed himself from the case and gave my money back. OCWEN offered loan modification but I did not qualify, and they would not refinance my loan. I still fought with them. In XXXX XXXX they started refusing payments from my XXXX mortgage and was threatening foreclosure again. They told me if I paid the XXXX I owed they would stop it. I hired a real estate attorney, and he stopped proceedings. The XXXX court hearing that was set up and they were certified notification they did not show up and it was rescheduled and then cancelled again. I have spent XXXX in legal fees and nothing is being accomplished. Before all of this started I was in the process of refinancing my home, I was paying around 22 percent interest, and was going to get a 4.5 % rate, but because OCWEN claimed I was behind 3 months I could n't get it refinanced. I am trying to sell the home, and they agreed to let me, but now they want me to start paying some bogus amount till I do. I filed for chapter XXXX to keep my home after Hurricane XXXX, to provide a roof over my college age daughter expecting a child, and myself. I paid everything back that was required from me. I bought the home in XXXX for XXXX, and now owe XXXX. In reality I should owe around XXXX on the home. This has been nothing but stress, and nothing is being resolved. My advice to anyone is if your mortgage is sold to be serviced by OCWEN you better get away from them. I have paid XXXX for a house I am being faced with losing. These people get away with this. Not only that they will not post payments for days after they receive them when paid in
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND DISCOVERED A BANKRUPTY ITS A GROSSLY ERROR BEING REPORTED
Product: Credit card

On XX/XX/2023, I made a payment of {$65.00} to my credit card for the XX/XX/XXXX due date. I was charged a {$40.00} fee for nonpayment on the bill due on XX/XX/XXXX. ( XX/XX/XXXX I ended up getting XXXX and was sick until the middle of XXXX ). I called the company when I finally got well and disputed the {$40.00} charge for the nonpayment of the XXXX bill. I was told that I owed {$3.00} and was charged a {$40.00} fee. I asked them to waive the fee, but they refused. I closed the account. The card was a prepaid card. I had a {$600.00} balance. In order to get the card, I had to pay a {$500.00} deposit to cover my credit limit. When I closed the account, they only applied {$390.00} of the {$500.00} deposit to my account. I was charged an additional {$40.00} late fee and {$15.00} in interest fees. I am disputing these charges and the missing {$100.00} in the security deposit. I am also disputing the {$260.00} remaining balance on the card. The balance should be {$68.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
Product: Debt collection

Hello, I have sent several attempts to have the collection agency to validate the debt. The agency has failed to provide the correct documents in order to validate the debt. Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021. And I am not receiving the information requested. Only the same letters stating " This is an attempt to collect a debt ''
Product: Debt collection

They dont stop calling, they call multiple times a day. They are even calling my parents now. I have a payment plan set with them but they are still harassing me and my dads phone.
Product: Debt collection

XX/XX/XXXX XXXX and NCB financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XX/XX/XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

JH PORTFOLIO DEBT EQUITIES COLLECTIONS- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX/XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX- AMOUNT- {$430.00} DATE OPENED OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX/XXXX   RETAIL- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX/XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX  -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX/XXXX  XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the handling of a recent inquiry I submitted to Equifax concerning unauthorized hard inquiries on my credit report. 

On XX/XX/year>, I placed an Equifax dispute online for several hard inquiries listed on my credit report that I did not authorize. However, on XX/XX/XXXX, I received notifications that my inquiry had been denied. I am concerned that this rapid turnaround did not allow sufficient time for a proper investigation into my dispute. 

Given the serious nature of unauthorized hard inquiries and their potential impact on my credit score, I believe a more thorough and timely investigation should have been conducted by Equifax. I request that the CFPB review this matter and ensure that Equifax fulfills its obligation to investigate disputes in a fair and reasonable manner. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported to the 3 credit bureaus without my consent, knowledge or doing so myself. The only way that transunion, XXXX or XXXX could have this information is through fraud of my identity. File document below states that the U.S Bankruptcy Court District of Maryland  does not report any information to the credit bureaus. My objective is to remove these reports from my credit file due to said fraud. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

MOHELA is not giving me credit for XXXX years of credible federal public service for my recently consolidated loans with them. I have made qualifying payments for over XXXX  years and they are not correctly applying them for my loan forgiveness. I have reached out to them several times and they will not correct the issue.
Product: Credit reporting or other personal consumer reports

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

( Account name : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : 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 an 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: Money transfer, virtual currency, or money service

On XX/XX/2023 I used Wise Online Money Transfer to send {$3000.00} USD to XXXX XXXX of XXXX XXXX XXXX. The banking system he used was a US bank through Wise. The money was a deposit for a hockey season for my son to play, however, this man and his brother won't host a hockey season as promised. They are under investigation in the US and XXXX for over {$50000.00} dollars.
Product: Credit card or prepaid card

Hello, My Sams Club/Synchrony Bank credit card was frauded on the dates of XXXX XXXX for amounts upward of {$20000.00}. Synchrony Bank is refusing to refund these charges. I was never notified of these charges until I went to make a payment on the account and saw then all the charges. That was on the XXXX of XX/XX/2023. It has been since XX/XX/2023 that there has still been no resolution. My credit score has taken a HUGE hit for this outrageous balance now on this account. I have provided as much information as I could to Synchrony bank and still have no response.