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

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to Experian, XXXX and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A 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.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I have been submitting numerous CFPB Complaints against the Credit Reporting Agencies and yet they have made nothing! The Fraudulent accounts and information that I have been asking them to verify and remove are still reporting on my Credit file! I have previously sent a dispute letter addressed XXXX the Credit Bureaus and that was my sixth attempt to notify the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit reporting agencies are expected to remove any accounts and information that resulted due to identity theft, but in my case, the Credit Bureaus have been doing nothing! I am now submitting this CFPB complaint as a waring to the Credit Bureaus that in the event the still do not remove the disputed accounts and information, I will be filing lawsuit. This troubles me as much as it troubles the Credit bureaus, if it is not too much to ask, I would prefer the Credit Bureaus remove the following fraud items than filing a lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXX 's system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,
Product: Checking or savings account

HUNTINGTON BANK FROZE MY ACCOUNT, AND THEY ARE NOT EXPLAINING TO ME WHY. I TOLD THEM : You at XXXXXXXX XXXX I WANT MY ACCOUNT UNFROZEN AND MY MONEY RETURNED, OR I WILL BE HIRING A LAWYER AND FILING A LAWSUIT. I NO LONGER WANT TO DO BUSINESS WITH XXXX. I DON'T NEED YOUR " FDIC '' XXXX  THAT YOU ARE SHOVING IN MY FACE.
Product: Checking or savings account

On XX/XX/XXXX, I walked into the TD Bank located in XXXX, FL ( XXXX XXXX and XXXX XXXX XXXX ) in XXXX XXXX, FL to resolve charges that were not mine ( dispute them ) ; and obtain a new debit card ( since the one that I had was not registering all the transactions I was making. ) That day, I walked out with only a new debit card ; and was told by XXXX and XXXX, a.k.a. XXXX, that all disputes are to be made over the phone. Also, both women allege TD Bank only has one account under my name. I'm alleging they have at at least two, XXXX XXXX XXXX and XXXX XXXX, because I keep receiving mail with two names ; and I continue to see two maintenance fees. After two plus hours of trying to talk sense into these women, we got no where. I got up, and made a NEGATIVE account positive by depositing {$100.00} cash into a new account that has NONE of my history from XXXX of XXXX - XXXX of XXXX. My history should go from XXXX of XXXX to present day. 

In conclusion, I've gone ahead and attached two pdf files with images that reflect what activities are NOT mine, and why TD Bank needs to place back into my account {$97.00} and remove all the XXXX and XXXX XXXX  fees ; followed by all the XXXX XXXX fees, and explain how my account was made negative on XX/XX/XXXX ; but I was still able to withdrawal {$160.00} with a {$10.00} ATM fee on XX/XX/XXXX and obtain a receipt that reflects POSITIVE {$15.00}. And then use my card TWICE in XXXX, FL on XX/XX/XXXX ( after XXXX XXXX. EST ) for {$2.00} each time ; and have NO Problems ; but guess what, those two transactions are MISSING from this NEW online account. This confirms TD Bank gave my REAL account to someone else, allowed this person to create a fake account that did not pass the test. So, I had to make this " new negative '' account positive ; and that's a crime! Also, my card was never used on XX/XX/XXXX - XX/XX/XXXX ; why does this new ledger reflect that I do? 

Why did XXXX have to hand me TWO different printout with the names XXXX XXXX if there's only ONE account? ( see the images in the kic attachment ). XXXX XXXX pages 1-15 ; and then XXXX XXXX pages 1-2 ( that's the new account ) and it has NO HISTORY prior to XXXX. 

They need to admit they duplicated my account and I'm being disrespected ; insulted.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of this inaccurate item that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company Sequoia Financial Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, Equifax, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed unauthorized credit inquiries. I have not granted any company authorization to view my credit file.
Product: Mortgage

I am owed an escrow refund check from XX/XX/2020 for {$2900.00}. I call once every 3-4 weeks and I'm told the check will be in the mail, but I am still waiting on my money. I simply want the money I am rightfully owed and that this company is willingly refusing to send out. 

( NOTE : this does NOT involve the Escrow refund for {$6000.00} dated XX/XX/2020, as that check was already received and deposited )
Product: Debt collection

Dear CFPB, Around XX/XX/2017 XXXX had called us about our credit card being maxed out and not paid. The problem was we didn't not open a CC with XXXX. After further investigation, we found out that we were a VICTIM OF IDENTITY THEFT, we found out we had cards with 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. 

We called local law enforcement and filed a police report, we put a locking mail box, most of the bills were being sent to our home, then the address was changed across the street, then changed across town to anther XXXX address. We have lived in the same home for several years as we own the home. Local law enforcement knows who did it and have a report on file. 

All of the creditors have gracefully worked with us removed the fraudulent accounts accept XXXX XXXX XXXX, THEY WERE HAVING NOTHING TO DO WITH THE IDENTITY THEFT AND WANTED PAID. They sold the account to a collection agency LNV FUNDING LLC.

Which we have tried to work with, they refused to take the paperwork on the identity theft. They have been rude, and insist we owe a debt, even though it was a fraudulent debt. 

We have had no cooperation from them at all. They even threaten to put me in jail, they have been rude on the phone, refuse to talk to us, work with us and help us resolve the issue do to identity theft. 

We have no other choice to but file a complaint with you, we feel we are being unjustly harassed for this account from them. 

We have attached the compliant against XXXX XXXX XXXX and our credit report.
Product: Credit card or prepaid card

I am hoping you can help assist me in recouping my funds from XXXX XXXX / Discover. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to Discover and XXXX XXXX shows no transfer back to Discover or to my account. 

We had a 3 way call with Discover and XXXX and at the time Discover had not ruled in any one 's favor. XXXX advised they had ruled in ours, but because we we had a dispute with Discover they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. 

We were told that Discover came to the conclusion on their part XXXX should refund {$200.00} for a restocking fee to seller XXXX XXXX XXXX XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. 

XXXX stated ( Discover rep and myself in a conference call ) that they returned all the money to Discover on XX/XX/XXXX, and they no longer have our money and that Discover has it and needed to disburse it back to the card balance. We were advised that Discover had not received the funds and that XXXX had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. 

I am attaching documentation from Discover, as well as the conversation between XXXX XXXX XXXX XXXX and I. 

Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.
Product: Checking or savings account

My name is XXXX, and I opened a checking and savings account to prevent myself from going to the branch while I am 8 months pregnant. 

I opened the account with the online bank SOFI and for the first week all went fine. I also own a registered single member XXXX in California and hold an XXXX. I took the owner 's draw of {$20000.00} on XX/XX/XXXX, and since then my account has been restricted. I am unable to pay my credit card bill, phone bill, or for gas while SOFI has restricted my account with no explanation. Moreover, they have no XXXX on when the account will be enabled again. 

I have also called them everyday and asked for an explanation about why the account is restricted and what other information I can provide to enable the account, but to no avail. 

As a consumer and lawful resident of the US, it is my right to know why the account is restricted and get it enabled it as soon as I can. But the cold hearted team at SOFI has been a pain to deal with.
Product: Student loan

I was in an approved forbearance/deferment with XXXX related to a private student loan originated by XXXX. XXXX ' policy ( updated in XXXX ) specifically states that loans that are in a forbearance/deferment are not reported as late on the borrower 's credit report. Despite this, XXXX has continued to report the payments during this period as late which has significantly impacted my XXXX XXXX. The loans are now in a regular repayment schedule and are paid as agreed.
Product: Credit card or prepaid card

I opened an Amex XXXX XXXX XXXX card with a welcome bonus of XXXX with a requirement of spending XXXX dollars within 6 months. The account was open on XX/XX/XXXX and statement closing date was XXXX of each month. I fulfilled the spending requirement in early XXXX. I spent {$4200.00}, {$1400.00}, and {$3900.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statement. 

Since I did not receive the bonus points shortly after I met the requirement ( usually it is posted within days ), I contacted American Express Customer Service at the end of XXXX through online chat and phone call. The online chat agent told me my welcome offer was declined. The agent in the phone told me the offer was valid and I need to wait XXXX weeks for the points to be posted. On XX/XX/XXXX, I contacted both sides again, and got the exact same two versions of answers -- one said the offer is valid and I need to wait, and the online chat told me it was declined and I am not eligible. 

This is by far the most disappointing and unprofessional customer service I have received from Amex as a six year customer with them. The phone agents were not paying attention to my words but keep repeating the terms. The online chat agents were also not providing explaination for my case but just forcing me to accept the situation that did not happen to me. 

I never received a notification when I applied the card, the application was smoothly submitted and approved without any notification that I was not eligible. I am not sure why the agents were insisting on that. That was a fraudulent and misleading advertisement at the begining, or Amex declined my offer internally without providing me a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX
Product: Mortgage

When GMAC Mortgage went bankrupt our loan was assigned to Ocwen Loan Servicing LLC . Ocwen serviced the loan from XXXX XXXX, XXXX through XXXX XXXX when the loan was assigned to XXXX XXXX XXXX. 

Ocwen Loan Servicing is reporting account number XXXX as a conventional real estate loan with a payment history from XXXX XXXX through XXXX XXXX. Ocwen was not then lender at any point in time. They were the loan servicer for a only 6 months. 
The Office of Personnel Management ( OPM ) had a cyber attack ; I received " cyber security '' that allows me to review information on the credit reporting agencies. 

My wife and I went through Chapter XXXX bankruptcy ; the discharge was in XXXX of XXXX. 

Ocwen is reporting late payments on discharged debt post bankruptcy from XXXX XXXX through XXXX XXXX to XXXX and XXXX. 

Ocwen is reporting late payments prior to when they were the loan servicer to XXXX. Negative payments are reported from XXXX XXXX through XXXX XXXX. GMAC Mortgage was the loan servicer during that time and the loan information already appears on our credit reports.
Product: Credit reporting or other personal consumer reports

Identified billing mistakes in recent credit report ; late payments dont reflect usual on-time payments. Please correct these errors.