23daVinci/CFPB_Complaints huggingface dataset:
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is showing that I have XXXX accounts reporting with them. 8 of those accounts are open and 12 are closed. Equifax has 12 accounts, 4 open and 8 closed. Experian has 18 accounts, 6 open and 12 closed but, all are showing payment history and the amount owed which are transactions. This is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience stress due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the stress caused by this timeshare. I'm sure we were profiled, being a physician with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the stress & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : XXXX XXXX XXXX
Product: Debt collection

Im not liable for this debt of XXXX with XXXX. Account number : XXXX, I never got paperwork in mail or anything thats attached to this debt. My address should read as XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX.
Product: Credit card

Transaction Date, XX/XX/XXXX BestBuy Co., XXXX XXXX, IL Amount, {$3400.00} XX/XX/XXXX, we entered a contract with Best Buy to purchase and have installed a XXXX XXXX XXXX XXXX Dual Combo Oven identified as an OPEN ITEM in EXCELLENT condition. Order # XXXX. 

XX/XX/XXXX that item was installed. 
*****At the same time our fully functioning XXXX double-oven was removed by the Best Buy contractor. ***** XX/XX/XXXX we were informed by XXXX XXXX customer support that my new oven had been declared " dangerous '' and a field destroy in XXXX of XXXX in XXXX, Indiana, and as such is ineligible for support. Over XXXX XXXX miles away in a different state more than XXXX  months before we purchased this same unit. with NO disclosure on it's status other " New '', " Excellent Condition '', and an " Open Box ''. 

XX/XX/XXXX the Best Buy store manager offered the following resolution options : XXXX. Return the unit. 
XXXX. Return the unit and buy an alternate. 
XXXX. Keep the unit and assume the risk that it will fail. 
XXXX. That the additional extended warranty we purchased would not cover this oven. 
These options fail to satisfy the original contract and place all financial and risk burdens on me. When we asked to escalate our concerns, we were advised that that was not possible. 

Since then, we spent over XXXX documented hours on the phone with BestBuy. 

Having once reached XXXX XXXX ( XXXX ), who identified himself as a manager agreed that a service technician be dispatched. The tech identified a multitude of product failures and took no action. Subsequently, XXXX has failed to answer or return our calls. 

All interactions with Best Buy Customer Service have resulted in the same, unacceptable resolution option offered by the store manager. 

My complaint has been filed with Best Buy customer service. Case : XXXX. 
A dispute has been filed with My Best Buy XXXX. Case ID : XXXX.
Product: Credit reporting or other personal consumer reports

I AM UNABLE TO GET MY REPORT AND SCORE. PLEASE TO UPDAYE MY MAILING ADDRESS.
Product: Debt collection

I agree to pay XXXX XXXX XXXX XXXX XXXX a certain amount for 3 years, then I offer to pay them more to pay it off early starting with my very first payment. I paid them more than what they ask for, did the full 3 years on time, one month before my 3 years is up they call to tell me they made a mistake and that they misquote me and I need to agree to pay them for another 5 to 6 months. I told them that was their problem if anything they owe me, I wasnt supposed to do 3 years. My last bill they said they wasnt going to pay or negotiated on unless I pay them for another 5 to 6 months, I told them Im not agreeing to it so they sent it to a Collection Agency.
Product: Debt collection

Resurgent capital service sent me a letter for purpose of collectibg debts with wrong fraud information of someone else, whose name is similar with my full name. I did not borrow any money from the company they said, and I found this in my credit report today. I have to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00} 2. ) CREDIT CONTROL CORP ( Original Creditor XXXX XXXX ) XXXX Date Opened XX/XX/2015 Balance {$0.00}
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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Checking or savings account

I havent used my bank account at all since I opened it. While I was at work, I was getting notifications from my bank so I logged in and it was XXXX  of dollars in my bank account which ik wasnt mine because Ive never used it yet. I looked at the transactions and someone was withdrawing the money from an ATM in New Jersey. I couldnt find my cards for weeks, I thought I must have misplaced them somewhere in my other bags at home but obviously that was no longer the case. I reported my cards stolen. I cant get back into the account to give more details about the transactions.
Product: Credit reporting or other personal consumer reports

For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved. This is impacting my credit and causing extreme frustration.
Product: Credit reporting or other personal consumer reports

i was affected by the 2017 equifax data breach their where fardulent acct opened with out my consent as a result this account XXXX XXXX XXXX ; ACCT XXXX
Product: Checking or savings account

My bank account always slow when it come to send the app that am using information about the that I have in my amount.
Product: Credit reporting 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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Product: Checking or savings account

X/XX/17 met with XXXX XXXX of wells Fargo, XXXX XXXX XXXX in XXXX XXXX, IA about overdraft protection I was told I had by their employees when I opened my accounts but had been charged overdrafts and not taken the available money I had in savings to pay for the items instead. he informed me that would n't credit anything to me even when someone else had changed these accounts a year ago and then proceeded to change my accounts again. so every year these wells Fargo employee continue cycling my accounts to make them new accounts that they get credit or money from only to XXXX me in the end but changing things slightly or not giving me everything I had previously. since he did this there has been nothing but problems including well over {$600.00} in overdraft fees, returned check fees, and continues to be insane issues like they tell me my bills are paid and then go back in manually and decline paying my people in turn charging me and getting charged also by my providers on the other side. I got emails from wells Fargo saying they were shutting off my accesses to cards, accounts, access to money by XXXX pay, XXXX pay etc. I called wells Fargo fraud as it says to do since I did n't make these changes and they refused to shut my account down apprx XX/XX/17 and I stopped using the account since then. closed the card associated with that account deposited enough to cover the negative only for them to continue keeping the account open and keep charging me fees and overdrafts of this endless spiral of nothing will stay positive because they keep slamming me with fees. XXXX is now gone like they all do after they make a bunch of money on their customers and his boss lady covered his ads and told me she would n't help me either because they credited 2 overdraft fees from a year ago that were also an issue caused from their end. I ca n't leave them yet cause I need to keep an operating business account but ca n't keep losing all this money to them for nothing. stop the insanity.
Product: Mortgage

I was approved for a trial modification earlier this year that was for 6 months, ending with the last payment XX/XX/XXXX. I made every payment on time. When it came time to sign the paperwork, I did not sign it, because Selene Finance made a mistake with the names of the people they wanted to sign the paperwork. From mid XXXX until XX/XX/XXXX, I reached out several times to the XXXX I had been working with by the name of XXXX and she never returned my calls. It was on XX/XX/XXXX when I spoke to XXXX of Selene that told me the approved modification package was old and I had to start the process all over again this time providing proof that the name XXXX XXXX was not on my deed and stating that XXXX XXXX and XXXX XXXX were not going to sign the modification, I was going to be the only signer. In addition the amount of money although I paid it each month was ridiculously high Selene seemed to be trying to set me up to fail. After receiving the paperwork from the Courts showing I was the only one on my deed, I complied and sent in an entirely new loan modification package, sent it in by XXXX it arrived to Selene on XX/XX/XXXX, and to date, they have not even looked at the loan modification package per my phone calls in speaking to different Selene Reps on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. On XXXX I was told by Selene Rep XXXX to write the loan modification/resolution department to ask for a review of my package sent in back in XXXX. And today when I called and spoke to XXXX I was told still nothing had been done, but yesterday XXXX sent someone here to take pictures of my house I happened to be outside, and the person told me to " call my mortgage company ''. XXXX whom I spoke to today told me she suggest I send in another new modification package! I told her every time I do this it cost me {$60.00} to {$70.00} to make copies and send off a package by XXXX, I asked her if I could leave a message for XXXX and she said she would make " note of my request '' but she could not reach out to her on my behalf. So I assume from mid XXXX to XX/XX/XXXX all the other Selene Reps were lying when they said they were sending XXXX interoffice memos while they were putting me on hold trying to get her on the line and/or saying they were leaving messages for her to call me??? Selene is not trying to work with me, even though I paid my trial modification payments on time. I am getting the run around, when all they had to do was change the paperwork taking off the names XXXX XXXX and XXXX XXXX from the original approved modification given back in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF VARIOUS DATA BREACHES AND ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A FEW ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME AND ARE UNAUTHORIZED. I ALSO DO NOT HAVE ANY CONTRACTS WITH THE COMPANIES LISTED ON MY REPORTS. THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM AND ALSO HURTING MY CHANCES WITH GETTING ANOTHER MORTGAGE LOAN. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I HAVE SUBMITTED ALL OF MY POLICE REPORTS AND FTC REPORTS TO XXXX, EXPERIAN, AND XXXX ALONG WITH ALL OF MY ID DOCUMENTS. THIS WAS NOT SUBMITTED IN ERROR OR A MATERIAL MISREPRESENTATION. IF THESE FRAUDULENT ACCOUNTS ARENT REMOVED I WILL TAKE LEGAL ACTION
Product: Credit reporting or other personal consumer reports

i have asked this back year to have my addresses removed from my credit report as they are no longer an address that the XXXX Mail can send anything to me.
Product: Mortgage

C F P B The initial incident happened with  XXXX   XXXX ,   XX/XX/XXXX  the y issued me an " Interest Only Mortgage '' based on the monies I had invested with them. They (  XXXX  ) put 40 % of the initial value of my condominium  (  {$140000.00 } ),  10 Year -- Interest Only -- 6 % ( locked in   XX/XX/XXXX   ) (  XXXX  ) ( {$450.00} -- Ap p. Fee ( Returnable @ settlement ) {$56000.00} in an escrow account. With that account I could invest in Grade " A '' Stocks and Bonds, and put the proceeds in a Money Market Account, where my mortgage ( at the rate of 5875 % ) would be paid out of. I also added to that account the rest of my estate to a total of {$72000.00}. After 5 years ( and a crash in the market, where I could not transfer my monies out of the stocks and Bonds account fast enough with out getting permission from the Mortgage Dept. ( by that time my investment had declined approx. 50 % ). When my account fell below {$25000.00}, I was   contacted by   XXXX   XXXX   of   XXXX    XX/XX/XXXX  (   XXXX   XXXX   XXXX   XXXX   XXXX   Department and told not to make any more payments, so I could qualify for a HAMP by  XX/XX/XXXX .      1 )    XXXX    (   XXXX  )  Modification Request    XX/XX/XXXX   denied ( reason-Estimated value of condo was wrongly estimated at {$360000.00} not {$200000.00} its actual worth.      2 )   XXXX  (  XXXX  ) Modification Request   XXXX   denied no reason given.      XXXX   XXXX  sold Mortgage to  XXXX   3  ) OCWEN Modification Request   XX/XX/XXXX   -  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  denied ; reason (  XXXX  does not allow Modifications  4  ) OCWEN Modification Request  XX/XX/XXXX  - Ocwen Account Specialist,  XXXX   XXXX  recommended Modification  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   denied  ; reason (  XXXX  does not allow Modifications  5  )  OCWEN HAMP   XX/XX/XXXX   Ocwen  Attorney  XXXX   XXXX  recommended HAMP  XXXX   XXXX   XXXX   XXXX  ,  XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   (  ATTORNEYS AT LAW ) denied ; reason (  XXXX  does not allow Modifications 6 ) OCWEN Modification  XX/XX/XXXX  Ocwen Attorney recommended HAMP w/  XXXX   XXXX   XXXX   ,   XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ( A TTORNEYS AT LAW ), Ocwen recommended to contact HUD APPROVED HOUSING COIUNSELING (  XXXX  ). Contacted  XXXX   XXXX , at  XXXX  regarding scheduled Sheriff Sale on   XX/XX/XXXX  , He researched and  XXXX  does do Modifications.
Product: Mortgage

The escrow account made a tax payment on XX/XX/XXXX for {$4500.00}. I became aware early XXXX that the county never received the payment, and my tax was late. I paid the tax out of my pocket immediately on XX/XX/XXXX. I asked the lender for investigation, but 2 weeks passed, and lender still doesn't know where the money went. There's no XXXX either on how long I should wait to get my money back. 

The mortgage company is Newrez.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/XXXX I made first payment in XXXX Im trying to refinance as it it showing I still own the full amount of the loan. I called the lien holder who told me that in order for just 14 % which is the interest applied to the interest I would have to call each time and give verbal consent and will only be done that way as long as I request that or they will apply as much as they want to interest and anything left over to principal the lien holder never advised me I had to do that and I believe purposely kept that information from me in a predatory fashion Effective Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Principal Balance {$32000.00} {$32000.00} {$32000.00} {$32000.00} {$32000.00} Payment Amount {$32000.00} ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) Principal Adjustment {$32000.00} {$0.00} ( {$270.00} ) ( {$150.00} ) ( {$360.00} ) Interest Adjustment {$0.00} ( {$680.00} ) ( {$410.00} ) ( {$520.00} ) ( {$320.00} ) Interest Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Interest Calculated {$0.00} {$680.00} {$410.00} {$520.00} {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification of a collection on my report after it appeared within a day of each other from XXXX and XXXX. Please see complaint XXXX. 

XXXX, a collection agency, apparently purchased a debt from XXXX XXXX (? ) that I did not owe. I don't know how they got my information but it does not belong to me. 

I never received any correspondence from them. I never received any bill from them. I have not been in receipt of any wet ink signed contract stating or affirming that I received services or money from them and agreed to pay them. We have never had any contract. This is an attempt to taint my credit file after I have worked so hard to make it what it is, and fraudulently steal money from me that is not owed to them. 

According to 15 USC 1692 in FDCPA, it is illegal for a Collection Agency to purchase one 's debt and then try to collect on it.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX