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

Hi, I submitted a request from CFPB recently and was told that my dispute was closed due to, it looked like a credit repair company that had put in the complaint. I do not work with any credit repair company, I submitted those docs after doing my research in regards to Identity Theft, and the docs that i submitted came from off the FTC site. I am a victim of Identity Theft, I wrote the credit bureaus in regards to this matter and the disputed accounts were deleted from my file and was re-inserted again. I do not understand how these credit bureaus have so many Data Breach, 1,2, and sometimes even 3 breaches a year and not pay attention to the consumers, after told the fraudulent accounts on their credit file was due to identity theft. They are the ones who are committing the frauds on the consumers, along with collection agencies. I am a Veteran and have a mortgage pending and these fraudulent accounts are making it hard for me to close on a house. its is not fair to the consumers who have to go thru this with these credit bureaus. I did not get any letter from the credit bureaus in regards to re-inserting these fraudulent accounts. I do my research, I served this country for 12 years and have to go thru this with these crooked credit bureaus and collection agencies. they delete it from your credit file, then reinsert it after another and another collection company buys the debt. its unlawful the way this goes on. The collection company Deville Ast Management has fraudulent accounts : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX  acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Hello, my name is XXXX XXXX. I have had an account with Citibank for years and it is a shared account with my mother, XXXX XXXX, and sister, XXXX XXXX. My sister went on XXXX to look for a job but got scammed in the process. This happened in the month of XXXX. XXXX and I have a shared account and because of this, my funds of a little over {$4500.00} disappeared down to {$0.00}. XXXX called Citibank to let them know she was scammed and the things she has to do to get back my funds. Citibank told her if she filed a police report they WILL refund her the money. On XX/XX/2021, XXXX went to file a police report. In XXXX, everything was confirmed and the police report was completed. In XXXX, my mother XXXX XXXX went to pick up the Police document and went to Citibank to finalize the situation. When this happened, she was told it was too late. Citibank never told us there was a deadline to anything nor made us aware of one! Citibank also stated she would have to close all the accounts, and neither of us can no longer do business with Citibank. We got scammed twice once from the scam XXXX and another from Citibank. I also called Citibank during the entire month of XXXX and none, I mean no one, could tell me what had happened to my money. I felt like I was going insane.
Product: Vehicle loan or lease

Nissan Motor Acceptance Corporation ( XXXX ), has wrongfully repossessed my vehicle and kept my personal property in the repossessed vehicle in which I never got back ; These actions violated my consumer rights pursuant to the Consumer Financial Protection Acts prohibition against unfair and deceptive acts and practices. After doing some research here in the cfpb website I read that the consent order required XXXX to provide up to {$1.00} million  of cash redress to consumers subject to a wrongful repossession, credit any outstanding account charges associated with a wrongful repossession, and to pay a civil money penalty of {$4.00} million. It also imposes certain requirements to prevent future violations and remediate consumers whose vehicles are wrongfully repossessed going forward. I was never provided remediation for the violations against me by Nissan Motor Acceptance XXXX XXXX ). XXXX has also defamed my character whilst furnishing improper and inaccurate information to consumer reporting agency they currently have the alleged debt on my consumer report as a charge off I never received any of the proper paperwork they were to submit to me including the pre sale letter nor a 1099-c cancelation of debt which is according to the internal revenue service is supposed to be classified as income for the consumer in which income does not belong on the consumer report. They refuse to meet remedy as well as remove the inaccurate information from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of the FCRA. XXXX XXXX XXXX XXXX is reporting negative inaccurate information on my credit report. This is NOT my account, it is reporting negatively on my credit report multiple times. The report shows this XXXX XXXX opened XXXX, XX/XX/2021, all of the posts on my credit report have an account # XXXX. This is not my account and needs to validated.
Product: Mortgage

Ocwen does not have any ideas about mortgage loans, they have informed me that I am negative XXXX in my escrow account, and this is incorrect. 
I have also been told that my account is in the bankrupcty department and no one has active bankrupcty that is on the mortgage account, I have asked this department on several occassions to remove my account from the bankruptcy department and to date have not been removed from that department.
Product: Debt collection

PORTFOLIO RC was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX SS # XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information with all three consumer reporting agencies : XXXX ; Experian ; XXXX has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information
Product: Bank account or service

Our former bank, BBVA Compass, notified us that they would begin charging us a monthly service fee effective XXXX/XXXX/16 if our balance with them fell below a certain amount. To avoid this, we closed our account at that bank in XXXX 2016, and in doing so, paid off the outstanding balance on our Overdraft Line of Credit associated with that account. 

In XXXX 2016, we received dividend payments via EFT transfers that were directed to this now closed account. Rather than reject these payments back to the originator because the account was closed, BBVA Compass elected to open a bank account in our name, illegally, without our authorization, without notifying us and by reusing our old account number in order to accept the credits. 

As the balance in the illegally opened account fell below their minimum requirements, BBVA Compass assessed us their service fee in late XXXX. This fee caused our account to be overdrawn, so BBVA Compass advanced funds from the Overdraft Line of Credit that they established, illegally, in our name, without our authorization and without notifying us they did so. Subsequently, we received a notice re : the Line of Credit Advance from BBVA Compass ; we then contacted them to learn what had happened. 

Because our account was closed, BBVA Compass should have returned/rejected the initial EFT transfers as required by standard XXXX regulations and sound business practices. They should not have opened a new bank account and established the Line of Credit on our account WITHOUT permission and notification. They have indicated that they will not acknowledge these errors are their fault, nor will they reverse the transactions processed into these illegally opened accounts. 

How many other customers has this happened to? We are insisting that the bank refund our credits and delete the charges. The bank is opening up accounts in clients names without their knowledge just like XXXX did to their customers.
Product: Mortgage

I filed bankruptcy back in XX/XX/2018 and reaffirm my loan with SLS mortgage company and request the SLS mortgage to report my mortgage to the credit back in XX/XX/2018, I been calling every month asking them to do so but nothing happing and they promises to reported on the XX/XX/XXXX of next month. I am paying on time never late on payment. 
I need your help please if you have any questions please feel free to call me @ XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I sent out a letter to XXXX and Equifax demanding that they remove 3 unauthorized and fraudulent accounts that were reported to collections. The accounts in play were sold to a 3rd party vendor, which means they are NOT the original creditors. Thus, resulting in the the letter I sent out. Letter was sent out XX/XX/2023, and they received it XX/XX/2023. According to section 609 ( a ) ( 1 ) ( A ) of the fair credit reporting act, it states that ALL credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and ALL accounts that you post on a credit report ''. It has been well over 30 days, and the accounts are still present. And they also violated 15 U.S Code 1692c ( a ), I never game them consent to communicate with me in any way. They have been harrasing me for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize this inquiry and never gave permission
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires listed below on my XXXX credit report are unauthorized and unverified. I did not give these creditors my permission to access my report, therefore I would like these unverified and unauthorized inquires removed from my report as soon as possible. 

XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO XXXX  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
Product: Credit card or prepaid card

I am disputing the following Unauthorized transaction on Paypal Account, XXXX : XXXX XXXX XXXX XXXX - {$35.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$35.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$34.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$34.00} Sent by XXXX, Transaction ID XXXX XXXX XXXX XXXX XXXX - {$23.00} Paid with XXXX XXXX XXXX XXXX You'll see " PAYPAL XXXX '' on your card statement. {$23.00} Sent by XXXX, Transaction ID XXXX I did not purchase anything from from XXXX XXXX nor have I recieved anything form XXXX XXXX These are Unauthorized Transactions and I am also contacting PAYPAL and making a claim with them as well. 
Thank You, XXXX XXXX
Product: Vehicle loan or lease

I bought a 2011 XXXXXXXX XXXX and I had nothing but trouble with the vehicle. The check engine light kept coming on, and they put like {$300.00} worth of work into it, but the check engine light still came on. About 7 months after the purchase I got a recall notice in the mail for the XXXX, and it stated that the engine has a recall because of oil consumption issues. I brought this to the attention of the service department and they never fixed the issue. I had the vehicle for 10 months and the motor went out. I was told that they could put a new motor in and it would cost me {$3700.00} and I would have to pay {$370.00} every two weeks. After explaining that I could not afford that XXXX told me that he would speak to his boss to see what we can do. I waited for his call, but he never called me back, I even tried to call him to no avail. I had {$1500.00} to give the car lot to get my car back, but I still hadn't heard from them. So, I had to go purchase a new vehicle, and I lost everything in my XXXX. Now, after a year of them having possession of the vehicle they're trying to sue me for {$13000.00}.
Product: Debt collection

My dad got in apartment/ home in his name when I was under age XXXX but he had to list his children in the lease since we would be living there as well. I am not sure what happen but they also put this apartment on my credit even though I wasn't the lessee as I am not responsible for this debt and should not be on my credit and it has been sent to a collection agency. I have made many attempts to remove this dept with no progress made. Please help as I am a young man trying to excel in life, I pay my debt. 
Creditor XXXX XXXX XXXX XXXX  Apartment account # XXXX account type : Collections Bureau Code : Joint date open : XX/XX/XXXX on XXXX, XXXX XX/XX/XXXX Balance : XXXX Payment Status : Collections/Chargeoff last reported : XX/XX/XXXX on XXXX, XXXXlast active XX/XX/XXXX, on XXXX, XX/XX/XXXX
Product: Checking or savings account

I was banking with navy federal credit union several years ago somebody actually got access to my checking account put multiple fraudulent checks and I wan na be resolved yet ugly because my raise the discriminating
Product: Checking or savings account

My account was closed by Bank of China in XXXX with no explanation provided. Previously, the bank as requested unreasonable information ( paystubs/proof of income, type of income for the account holder of the incoming wire sender ). When I asked them to show relevant terms and conditions or regulations from the federal banks regarding my responsibility to provide the relevant documents, they were unable to provide any. A few days later, they closed my account.
Product: Debt collection

I emailed the company a debt validation letter. No response, I even sent a follow-up email still no response. I have even tried to dispute with XXXX. 






I would like for debt to be removed from credit reports and rental history while under investigation. Cease and desist all collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed a few errors on my Experian report on XX/XX/2020. On XX/XX/2020 they received my dispute and never investigated my dispute. I contacted them a second time via certified mail asking them to remove the inaccuracies due to them not completing the investigation within 30 days and they still have not responded to my request. They received my 2nd request on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to see if anyone can call me back and tell where or who I can talk to regarding this company who fraudulently, wants to make me responsible when they did give authorization to run my credit I was not present on XX/XX/XXXX when my mom a XXXX year woman that I told the finance man that I was not going to sign to be responsible for a car I did not like and that the sale was for my mom and the finance guy I was not going to be held responsible and the paperwork Ms. XXXX mailed me was not my signature so, I did not sign those contracts one because my name is not XXXX XXXX. I am not XXXX XXXX and they are illegal wanting me to pay a car that I did not authorized a credit check, nor did I sign the paperwork provided to me by Ms. XXXX and I did not buy a car from XXXX did my mother on the other hand did XXXX XXXX XXXX. 
Ms. XXXX at XXXX I did provide income checks to finance but I did not sign no credit application and no legal binding contract saying that I would pay for a car I did not purchase, and I did not sign those papers that Ms. XXXX provided so, that was not me and is not me and I do not sign that way and I do not purchase cars or houses over the phone. I signed in person and that paper work provided is not me and not my signature and I am not responsible for a product that was illegally sold and now they want me not XXXX XXXX to pay I was not and am not XXXX XXXX. I am reporting this to credit bureau and XXXX  and FTC and you guys and to United States Securities Government. Please call me or help I want this off my credit off my back I am not XXXX XXXX. 

Note : I also, misspelled Ms. XXXX name on purpose to see how she feels her name being used and in a legal circumstance such as this that her name is used inappropriately and her having a XXXX surname last name that is by culture is discriminatory and it is inappropriate so, I want Ms. XXXX to stop lying. 

Sincerely, XXXX XXXX -XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The information contained in your reporting to the credit reporting agencies are inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file. 
The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Product: Debt collection

My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from XXXX XXXX XXXX Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the XXXX XXXX XXXX, on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!
Product: Debt collection

After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.