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

OCWEN MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME OCWEN LOAN ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have yet to update the account 's status on my credit report. This account has been paid off as of XX/XX/2023, and they are showing a balance is still owed as of XX/XX/2023, which has a negative impact on my credit score.
Product: Mortgage

I have attempted to validate the debt that they claim I owe and my requests have been denied. The mortgage company has been acting fraudulently they refuse to produce proof of a valid contract.
Product: Money transfer, virtual currency, or money service

A job reached out to me from XXXX and I interviewed and got the job. I filled out paperwork and got a check for my hardware and I deposited it. It was {$2800.00} Then I had to wire money to XXXX XXXX XXXX at Bank of America with the account number of XXXX and routing number XXXX. Then they called asking for more money and I got skeptical. I tried cancelling the wire transfer but they didnt seem hopeful and couldnt promise me anything. The fake company XXXX XXXX posers sent me yet another check through email which Im supposed to deposit on Monday but Im keeping them on the hook until authorities can help me. 
I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Student loan

Aidvantage has failed to properly notify me of my loan status. XXXX sent me multiple messages with updates about my loan transfer. XXXX stated that Aidvantage would notify me when my loans were transferred or if there was a delay. I havent gotten any notification from Aidvantage about my loan status. I cant trust that the loan data is correct on the Aidvantage site until I receive appropriate notification. The lack of communication is causing undue anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have lived at our current address for XXXX  years- We owned our house- XXXX and XXXX in XXXX XXXX XXXX XXXX We have XXXX XXXX phones for let 's say over XXXX years. 
I never had a XXXX XXXX XXXX XXXX did my XXXX open up an account in XXXX XXXX  XXXX XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for XXXX years and I have XXXX years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my XXXX  says that XXXX is the victim!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have uploaded documents to and my credit report because Ive been Trying to work and get thing off my credit that is not mine I didnt give anyone permission to use my name number address our social security card to anything with as of now its out of control I cant get any type of credit I have names on my account that shoul not be on my account I have credit-card, cellphone bills, cable bills, address credit inquiries its out of control I have documents that I have uploaded and I have more that show only name should be on my account is the one in the document I provide
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Checking or savings account

On Sunday, XX/XX/23, I received several email notifications regarding a Chime Financial account opened with my email address. I did not open a Chime account, nor did I authorize an account to be opened with my email address. 

The same day, XXXX, I contacted Chime by email and phone to notify them of this issue. The phone representative verified that an account had been opened, and promptly closed the account. She also provided information related to identity theft. 

I filed a report on identitytheft.gov and have taken additional steps to monitor and protect my credit and personal information. 

Additionally, several users have posted similar instances of recent fraudulent account openings on Chime 's XXXX thread ( r/chimefinancial ).
Product: Debt collection

From roughly XX/XX/XXXX through XX/XX/XXXXI had internet service with XXXX XXXX in XXXX, MA. Before installation, I was offered a promotion - I could pay up front for the cost of the equipment in order to avoid monthly rental fees and in exchange I would be eligible for a rebate for the cost a certain number of days later ( I believe it was 60-90 days ). I accepted the promotion, paid upfront, and later received said rebate ( see attachment ). During the entire year of service, all bills were paid on time. In XX/XX/XXXX, when I called to cancel service they charged me for my final bill, I paid the bill in full, and closed my account. Now, more than a year later, I am being contacted by a debt collection agency for equipment fees that I do not owe and debt that I am not responsible for.
Product: Payday loan, title loan, or personal loan

On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to request the removal of fraudulent inquiries on my credit report. I ask that the XXXX, Equifax, and XXXX XXXX conduct a review and remove the following fraudulent inquiries as required by law : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$4700.00} ; 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, credit repair services, or other personal consumer reports

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & TRANSUNION ). 

Thank you in advance for you help in this matter
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.
Product: Debt collection

My Vehicle was repossessed a few years ago. In the state of XXXX the finance company must send do a few things. First is let you get your personal belongings out of the vehicle, which they did not. You also have your right to redeem the car. your right to reinstate the loan. If the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. 

The creditor Mailed information to a wrong address. They mailed a letter to the address they picked up the vehicle, not the address on our contract. I asked them why they changed the mailing address and they have no record of why they changed it. I have proof of the mistake they made. My address was located in the city of XXXX. They mailed it to XXXX XXXX which was returned to them. I will attach copy of the letter they sent me with the wrong address on it. If you request a copy of my contract it will have another address listed. This should be deleted from my report since all the notice they sent was to the wrong address.
Product: Credit card or prepaid card

On XX/XX/2021, I consumer XXXX XXXX sent BARCLAYS US a cease and desist letter demanding they stop the infringement upon my intellectual property rights. BARCLAYS has threatened and harassed me to make a payment on this alleged debt. They threatened that my intellectual property would be closed and the account would be charged off, which is a violation of the FDCPA. I am demanding BARCLAYS to stop the willful infringement upon my rights. BARCLAYS also closed this account, that I opened, against my will and without my permission, which is a violation of the ECOA.
Product: Checking or savings account

To Consumer Financial Protection Bureau ( CFPB ), Subject : Unauthorized Transactions with Kikoff Inc. through XXXX From : XXXX XXXX I am writing to bring to your attention an ongoing issue I have been experiencing with Kikoff Inc . I have observed unauthorized transactions on my account via XXXX, transactions that I never initiated or authorized. 

I had previously filed a complaint with the CFPB regarding the same issue, expecting a resolution, but my efforts have been in vain. In response to my complaint, Kikoff Inc. did reach out to me, asking me to call them directly to provide further details on the unauthorized transactions. To that end, I have contacted their customer service department on four separate occasions. Each time, I have been met with a lack of clarity, inconsistent information, and confusion. Their representatives seem unable to explain the situation or even confirm whether disputes have been opened for the said transactions. 

Adding to the frustration, their response from XX/XX/XXXX is misleading. I had contacted them well before that date and provided all the information they had requested in their reply to the CFPB. Their claims are inconsistent with the actual timeline of events and the steps I have taken to address this matter. 

Moreover, the consistent inconsistency in the information provided by Kikoff 's representatives is concerning. It has been challenging to get a straight answer, and it feels as though I am being given the runaround. I place a high value on transparency and honesty in all my financial dealings, and it's troubling to feel this trust might be breached.

I understand that errors can occur, but the lack of responsibility and communication from Kikoff Inc. is unacceptable. I am seeking assistance from the CFPB once again, hoping for a decisive resolution to this matter. I need these unauthorized charges to be addressed promptly, and I would also like an explanation from Kikoff Inc. about their misrepresentation of events and their inability to assist their customer adequately. 

I appreciate the CFPB 's assistance in this matter and hope that with your intervention, this issue can finally be laid to rest. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. 

DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. 

Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. 

However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. 

This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my driver 's license and paystubs to XXXX on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that XXXX  may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from XXXX  and I believe my consumer rights have been abused and violated.
Product: Credit card or prepaid card

Comenity Capital is charging me {$220.00} in penalties, late fees, and interest for a {$63.00} pair of shoes purchased via telephone on XX/XX/2017. Shoes were returned to XXXX within 2 weeks of order. XXXX credit card was cancelled on XX/XX/2017, within the 25 day cancellation period in the contract agreement. I contacted Comenity Capital by phone and by mail to resolve issue to no avail. During a phone call with them I agreed to reimburse them for return shipping and paid {$7.00}. I did not make any payments for the returned shoes. Comenity sent monthly bills for returned item until XX/XX/2017 and then sold the account to a collection agency. They have put this info in my credit file. I am a senior citizen who had a credit score in the high 700s before I ordered {$63.00} shoes. I have other credit cards that are connected to Comenity that are in good standing because I pay all of my bills every month. I do not pay interest, late fees, or penalties on any of those accounts. The difference is I did not return any of those items, I paid the full amount when I received the bill because the item was in my possession. Comenity has numerous complaints listed in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would like these accounts remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Mortgage

My mortgage servicer has added negative remarks to my credit report for a mortgage discharged in my bankruptcy previously serviced by greentree and XXXX.I have disputed these remarks before and XXXX XXXX XXXX agreed and removed them.They have the account discharged but under history they have marked ( late XXXX plus days ) and ( worst delinquency ) '' collection '' .No discharged account can be marked as late or in collection, as per federal law.
Product: Debt collection

This company reported a debt which I have not owed anyone for past 7-8 years this is inaccurate and false information please remove
Product: Debt collection

XX/XX/2023 Frost- Arnett called and said I owe a debt I said I do not have any debts I have medical Finicial assistant covered at 100 % through " Ascension Health Care '' they told me to upload all my documents stating my coverage I sent that day all documents for my Finacial Coverage. including how many times I emailed Ascension via there website. 
XX/XX/2023 Frost- Arnett called again asking for payment I spoke with XXXX she said my letter was received but no documents attached. 
I RESENT in ALL docs at XXXX XXXX  XX/XX/2023 XXXX from Frost-Arnett called XXXX XXXX I explained I did not owe the debt she looked in my file said my case was being reviewed, and should be taken care of in the week or XXXX. 
XX/XX/2023 XXXX XXXX from Frost Arnett called asking for payment on debt she saw NO information that my case was being reviewed. 
XX/XX/2023 Frost Arnett sends the First and ONLY Paper letter to my home adress and it says Total amount of the dept NOW : and How would I like to respond!!! 
At this point no one is doing anything to help me and now my credit is going to bad I am thinking of filing a intent to Sue letter to Frost Arnett but thought I would start here first. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested USAA Auto and credit card account to remove these account from my report and they have not. 

1. I gave no consent to report on my credit report, which is required.

2. The information is very inaccurate, and varies.

3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.

4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. 
STOP VIOLATIONS OF TILA
Product: Credit card

Statement due date was XX/XX/year> for {$4600.00}, paid {$7100.00} ( more than the statement balance ) to paydown credit card on XX/XX/year>, but interest ( {$93.00} ) was charged to standard purchases on XX/XX/year>. 
Contacted Citi 's Help and Support via chat on XX/XX/year> to discuss the interest charged. Relayed how the statement states, under How to Avoid Paying Interest on Purchases : Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding Citi Flex Plan balances, by the due date each month. If you do not pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month, you will pay interest on your purchases from the date they're posted to your account. We will begin charging interest on cash advances, balance transfers, and Citi Flex Loans on the transaction date. We will begin charging interest on a Citi Flex Loans on the transaction date. We will begin charging interest on a Citi Flex Pay balance subject to an APR at the start of the billing cycle following the billing cycle during which you created the Citi Flex Pay. 
Representative XXXX XXXX XXXX responded that I needed to pay off the account statement XXXX consecutive statements and referred me to the Cardholder Agreement. 
It reads : Grace Period on Purchases You wont pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Citi Flex Plan Payment Amount, in full by the payment due date shown on your statement each Billing Period. We call this a grace period on purchases. If you dont pay your Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date in a Billing Period, youll pay interest on your Purchases from the date theyre posted to your Account. You also wont have a grace period on Purchases again until you pay the Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date 2 Billing Periods in a row. Theres no grace period on Balance Transfers, Cash Advances, and Citi Flex Loans. This means youll pay interest on Balance Transfers, Cash Advances, and Citi Flex Loans from the date these Transactions post to your Account.

I find this practice to be unfair and deceptive since it's not common with other lending institutions and it only reflects under the Cardmember Agreement, as the billing statement shows a different response.