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

My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by  decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.
Product: Checking or savings account

On XX/XX/XXXX tried to send money by XXXX. The transaction was canceled by bank of American and my account locked. Now prior to this bank of america had been sending my new debit card o ordered to the wrong address for about 2 months. I called several time and gave them the correct address. So for all this time I had no access to my money except XXXX. So now my income tax check gets direct deposited and 2 days later account closed for fraud no explanation. So I contacted bank of America 's fraud department and talked to the XXXX XXXX tx fraud manager. This is when I caught that they were sending my debit card to the wrong address for 6 to 8 weeks. Then he tells ne there going to send my funds in a check .so I ask them how there going to mail me a check if you can't mail me a debit card. Then he proceeded to tell me that if I called back in the morning he would request the funds to be released from a local branch.so then I called back following morning at XXXX or XXXX am and was told the check had already been mailed. Lie # 1 lie # 2 comes when I call back a few day later and talk to another fraud department employee and she tells me the check was just mail the XXXX and that this was the fastest account closing shed ever seen. So I was told 7 to 10 days to receive my funds one check for XXXX and another for XXXX that to-date I still have not received. XX/XX/XXXX. So I called again and was told 10 to 15 business day before I should call back. Now I did nothing wrong here. They have completely screwed me over. I have loan payment and bills that are late now and completely wreaking my credit that I have been fixing for the past 2 years so I could buy a house. This is a total disgrace. I want my money and all damages to my credit fixed.
Product: Mortgage

We have attempted to modify your loan through Selene Finance. Selene claimed that they can not review the modification package because the package was not submitted within the required time frame of the sheriff sale date and that they wouldn't have time to review it. We have a pending sheriff sale which we got postponed twice and submitted a package in the appropriate time frame. We were previously working with a lawyer at the time that claimed he was working on this modification for us, but it turns out he never was. We are now taking proper steps to get this done and we are hoping to at least get a fair review for a modification this time around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was A Victim Of Fraud And They Opened Up Credit Cards In My Name Tried To Get A Car And Did Phone Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Equifax to resubmit my police report, social security card and id because it had expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX XXXX  XXXX. The Equifax representative said once received it would be removed again. I complied with the request and Equifax continued to furnish incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.
Product: Credit card

I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. 

Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " ConXXXX 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX XXXX ( XXXX ) qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX XXXX the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2014 i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted. 
If car was repossessed and sold or auctioned off then it need to reflect that
Product: Credit reporting or other personal consumer reports

I discovered several addresses that do not belong to me on my credit report, including XXXX XXXX  XXXX XXXX XXXX, GA XXXX. I have listed the names and also the account listed on my credit reports that I have added to the FTC report that Does Not Belong to me as well.
Product: Checking or savings account

CITIBANK XXXX ID : XXXX Case ID : XXXX I Opened a fraud dispute for XXXX transactions made with my debit card ending in XXXX XX/XX/2023 XXXX XXXX {$19000.00} XX/XX/2023 XXXX XXXX {$43000.00} The bank denied the claim on XX/XX/2023. Saying that the documentation provided by the airlines shows my name on the tickets. 
I request that letter from the bank and now checking the name XXXX cant see mine. 
The passengers are other people that I dont know them So, the bank denied the claim saying a LIE and false information, Im not on those air tickets. 
I called today XX/XX/2023 to reopen the case but the supervisor XXXX denied my right to have this fixed under the transfer act, regulation C and Z.
Product: Money transfer, virtual currency, or money service

I have been a victim of a massive identity theft. This is just XXXX of the XXXX institutions they used to attach my banks and credit cards to third party apps and completely wipe me out... This has been going on for a year now and can't get help from anyone so I have been forced to go this route. I have the police report, the FTC REPORTs along with having to freeze my credit etc... Please help me?!! ; please
Product: Credit reporting, credit repair services, or other personal consumer reports

2 collections were added to my account for medical accounts. After discussing this with the collection agency, they agreed that the accounts were supposed to have been paid off months earlier, but the payments were credited to the wrong account. They also told me they sent the information to Transunion to have these incorrect accounts deleted. After a week of no progress, I started a dispute with Transunion about these accounts and one of them was deleted and the other had a result of " meets FCRA regulations ''. That was clearly untrue as it was not accurate and the collection company themselves were trying to get it deleted. I then called the collection company again, and they sent another request to Transunion to delete. Today I started another dispute, for the same account. 
It seems clear that Transunion did NOT actually do an investigation and should be made financially responsible for providing inaccurate information and for having a complete disregard for the FCRA.
Product: Debt collection

I do not believe this debt is valid, and I request that you provide me with documentations to verify the debt ... Chain of Asssignment.. ( FFA ) Forward Flow Agreement..under FCRA 15USC 1692 ( c ) they are violating my rights ... and want the alledged debt deleted off my credit file.Thank you
Product: Debt collection

On XX/XX/XXXX, I received a Collections Notice from Convergent Outsourcing dated XX/XX/XXXX, to pay {$210.00} within 30 days or be reported as delinquent to the credit bureaus ( copy attached ). This was the result of my complaint about XXXX 's billing practices that I had filed with the FCC on XX/XX/XXXX.

On XX/XX/XXXX, I called Convergent Outsourcing and told the account representative XXXX that I had been in the process of disputing XXXX 's actions with the FCC. She told me she would put the Collections Notice " In Dispute ''. This will give me extra time to settle this matter I had complained about the fact that XXXX had suddenly stopped billing me in XX/XX/XXXX. 
From XX/XX/XXXXuntil XX/XX/XXXX, I had received bills by mail. After that, I received a monthly SMS text bill through XX/XX/XXXX. As of XX/XX/XXXX, I did not receive any bills. In XX/XX/XXXX, I called XXXX and talked to XXXX, who told me that I would be billed by email. 
My inbox remained empty. On XX/XX/XXXX, I paid XXXX {$69.00}. On XX/XX/XXXX, I started getting loud, abusive robocalls from XXXX dunning me for money. They were also hijacking my voicemails, then they cancelled my phone service. 

After the FCC served XXXX with my complaint, Mr. XXXX emailed me and asked to talk to me. I made a Call Report, attached. 

I have documented the communications between XXXX and myself in the attachments file. 
1 ) Collections Notice 2 ) Call Report XX/XX/XXXX 3 ) XXXX letter 4 ) My rebuttal, 1st letter 5 ) Call Report XX/XX/XXXX 6 ) XXXX letter, p. 1 7 )  XXXX letter, p2 8 ) My rebuttal, 2nd letter
Product: Checking or savings account

We have been trying to close our 5/3 accounts for weeks. We ( both my husband and myself ) have spent hours ( and hours ) on the phone trying to close our accounts. We have successfully closed them multiple times just to have them reopened without our consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have distute fro XXXX of 2017 that XXXX  refuses to process.
Product: Checking or savings account

In XXXX and XXXX of XXXX, mail was stolen from XXXX XXXX XXXX in XXXX, MA. Since the pandemic, it has become common for church members to mail offering to the church in the form of personal checks. 

Numerous checks were stolen including a check for {$1500.00} from me. We later discovered that XXXX XXXX allowed them to be deposited in an ATM without checking the ID of the person cashing them, without requiring an endorsement, and without ever verifying that the person cashing the checks was the person the checks were written to. 

The thefts were discovered and reported to police in XX/XX/XXXX. It is my understanding that the police have identified the suspects in the theft and a warrant has been issued for their arrest. 

I filed a claim with my bank, Citizens Bank, at that time. I have basically called them every couple of months since this time, and they are telling me that they have filed a claim with XXXX XXXX to return the funds to my account but that XXXX XXXX refuses to respond to them. 

Here are my two issues. 

XXXX. XXXX XXXX  ( and other banks, as well ) engaged in an appalling lack of internal controls with respect to deposits of personal check into their ATM system. If you go in person to deposit a check the teller confirms the names the check to the name of the person or account receiving the money. The fact that this doesn't happen for ATM deposits is irresponsibility bordering on the criminal. Quite honestly, the hassle that myself and the church have had to go through because XXXX XXXX refuses to do its basic job deserves a gigantic fine and a restitution paid to XXXX XXXX XXXX for its time and effort correcting XXXX XXXX 's massive security failure. 

XXXX. Once the fraud was discovered, that money should have been returned immediately to the people who XXXX XXXX  allowed to have money stolen from them. This shouldn't be multiple phone call and ultimately a complaint to the CFPB.
Product: Credit reporting or other personal consumer reports

In my credit karma account my XXXX and XXXX score went down because it says i missed payments with my XXXX XXXX with sallie mae, I never went to school here in the USA and never used a student loan at all, not even when I was in XXXX, where I did a fe XXXX XXXX XXXX I never used XXXX XXXX at all.
Product: Credit reporting or other personal consumer reports

In Accordance with the credit reporting act. The list below has violated my federally Protected consumer rights to privacy and confidentiality under USC 1681 Account Name US dept of Ed account Number XXXX I looked at my XXXX credit report on XX/XX/year> and noticed somethings incomplete and not accurate. According to the fair credit reporting act whenever a consumer prepares A consumers report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15USC And according to 15USC 1681 they are suppost to do this treatment of inaccurate or unverifiable information In general after any reinvestigation under paragraph ( 1 ) of the information disputed by a consumer any item found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that the item of information as appropriate, based on the result of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the filer of the consumer and according to 15 USC 1681s-2 they suppose to not furnish any information related to a consumer or consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called Equifax to let them know they are in violation of their own Data Sharing Policy. They assured me that they WERE in violation of their Data Share Policy and the 2 accounts would be deleted within 72 hours. I confirmed over the phone with XXXX XXXX, Id # XXXX that Equifax was indeed in violation of their own Data Share Policy, and these accounts would be marked to be deleted in 72 hours. I confirmed AGAIN these accounts would not be put into " dispute '' but would be DELETED and she confirmed YES. The accounts were put into " dispute '' status without my consent, and then were marked as " validated '' with no documentation of my permission to report my personal and private information. Equifax 's Data Share Policy states that they have permission to report a consumer 's personal and private information because they obtained permission through the Lender. I do not remember being explicitly offered the option to opt out of having this information shared. I have requested that Equifax provide the documents from the lender that their Data Sharing Policy states they keep on file, to prove they have permission to share this information. This is a violation of my privacy and consent pursuant to 15 USC 6802 ( b ) ( 1 ). I was never given the option to opt out of having this information shared. AND I DO NOT recall being explicitly and clearly explained that I would be opting in to this information. And If I did, Equifax says they have those documents on file, and their Data Share Policy states that they can provide that to a consumer on request. I have requested it, and was denied it several times. I DO NOT want these accounts to be " investigated '' or put into a " dispute '' process. I have provided all the necessary documentation and Equifax has YET to prove that they do in fact have my express permission to report these accounts, which they do not. They need to be removed expeditiously.
Product: Mortgage

I have been in my current home since XX/XX/XXXX. It was purchased jointly with my now estranged wife, she moved out of the home on XXXX XXXX, XXXX, due to our work schedules we never got around to filing for divorce. As the economy collapsed in XX/XX/XXXX, I lost my job and had to file for Chapter XXXX Bankruptcy, eventually converted to Chapter XXXX. In XX/XX/XXXX I was able to obtain a loan modification that knocked off approximately {$100.00} a month, and put me in a XXXX year loan. I was able to complete this loan modification with only my notarized signature. I XXXX in XXXX and filed for Social Security XXXX benefits, during this time I had zero income, I was on the XXXX program and I was able to apply for a loan modification with the help of my US Representative 's office as they contacted XXXX XXXX and XXXX XXXX eventually offered me a modification on a XXXX month trial period, which I completed and I finally received the paperwork to be signed, notarized and returned, only this time, they are requiring that my estranged wife, who walked away XXXX years ago, must sign the documents as well. They wanted the documents returned by XXXX XXXX, XXXX, which I was unable to do for the reason stated above. I spoke with my estranged wife and she has agreed to a simple, uncontested divorce and I am asking Citimortgage to extend to me the allotted time to complete the divorce as I have have continued to make timely payments, based on the proposed modification, yet they notified me that they have revoked the modification and will proceed to foreclosure if my account arrearage is n't brought current before the close of business on XXXX XXXX, XXXX. I have been stressing and fighting to keep my home for some time. I just want peace of mind and would like to stay in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022.