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

Im XXXX XXXX, Vanderbilt  mortgage company in XXXX TN, XXXX is reporting a mortgage to my XXXX  credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted Vanderbilt dozens of times but still no action has been taken!
Product: Student loan

The loan was paid off in XX/XX/2011, but Wells fargo illegally applied the loan in payments instead of as a payoff. I have proven this to the credit agencies and had it removed. I have also sent in XXXX  paperwork to try to get them to leave me alone, but they continue to call on my non-profit phone number. They will not leave me alone, and they allowed my father, a man that is 26 years older than I am to access my account information in XX/XX/2011 to give him the payoff amount. 
So, they illegally allowed my father to access the account for the payoff, then he paid it off because my grandmother was a co-signer ( she gave him the money ), when I was already on XXXX  and had applied for XXXX  discharge, took the payoff, applied it in payments instead of as a payoff so they could accrue interest, and are now harassing me incessantly over illegal accrual of interest. Someone has to stop this crooked company. I am only one person, and they refuse to correct their errors. There is no way for anyone to fight them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX  XXXX  Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX  XXXX, XXXX XXXX , XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( XXXX XXXX XXXX XXXX REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they XXXX XXXX XXXX XXXXXXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXX due to the hemorrhagic XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any physical or mental stress and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such XXXX XXXX XXXX XXXX XXXXXXXXthank you.F.G
Product: Credit card or prepaid card

On XX/XX/XXXX I researched an online company called " XXXX '' and thought they were legitimate. I placed an order for a XXXX XXXX XXXX outboard motor for {$1100.00} plus {$75.00} for shipping. Total {$1200.00}. The transaction was made through XXXX  against my Capital One Visa credit card. Later that day I read a disturbing account on the XXXX users message board that caused me concern that this was a fraudulent company. I reported a problem with XXXX Resolution Center on XX/XX/XXXX. I wrote an email to the company requesting a cancellation of the order. The email failed to be delivered, a permanent error. This, despite it being the advertised email address. I received an order confirmation from Fast outboards, order # XXXX on XX/XX/XXXX. Using the email address on the order acknowledgement, I sent another email requesting order status and once again the email went undelivered because an email address failure. I then contacted Capital One and notified them to please hold or reverse the payment, that the payment was in dispute because I suspected the seller to be fraudulent. They logged this dispute in their system on XX/XX/XXXX. Case number XXXX. They told me that the charge would be held for up to 90 days or until the merchant responded. on XXXX XXXX I received a tracking number via XXXX XXXX XXXX, number XXXX. I followed this over the next couple weeks. Supposedly the motor was shipped from XXXX XXXX to XXXX XXXX. A few days latter to XXXX XXXX. Then on to XXXX in XXXX, then to XXXX XXXX. All for {$75.00} no less. This was exactly the same as the horror stories I had read on the XXXX message board. Then the tracking information completely disappeared. Of course I HAVE NEVER received this motor. In the mean time I messaged the merchant listed on the XXXX dispute form. No response. 
In early XXXX I received a letter dated XX/XX/XXXX from Capital One stating that the merchant had provided information supporting the transaction, that no cancellation had been received and that Capital One would not honor my dispute. 
On XX/XX/XXXX I sent a set of documents to Capital One showing my attempts to contact the seller and cancel the order. On XX/XX/XXXX they sent an electronic letter in response that the information I had sent did not validate my dispute and they were closing my case. On XX/XX/XXXX I called Capital One and told them that I have never received the product. That i wanted to dispute the charge for that reason. Capital One informed me that they have a policy that a transaction can only be disputed for one cause and that they considered the case closed. I informed them that I would not remit payment for the {$1200.00} and that I would continue to seek resolution of this issue. I sent a written letter documenting this. 
Then I began researching my rights and came to this web site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an established agreement with Volkswagon XXXX due to being impacted by the pandemic and Volkswagon is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.
Product: Checking or savings account

My bank, Wells Fargo, disabled my online access on XX/XX/year>. I contacted the bank to ask for the reason behind the lockdown. Despite numerous phone calls, the bank couldnt provide an explanation for the disabled access. This has caused tremendous inconvenience in managing my finances. Even worse, I am penalized with the lockdown without knowing the reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX IS REPORTING MULTIPLE ACCOUNTS LATE THAT SHOULD NO LONGER APPEAR ON MY CREDIT REPORT. THESE ACCOUNTS HAVE BEEN DISPUTED MULTIPLE TIMES AND NOW THEY ARE PAST THE 7 YEAR TIME FRAME TO REPORT.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seccond endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 card or prepaid card

I am filing a complaint due to a bait and switch ( the action ( generally illegal ) of advertising goods which are an apparent bargain, with the intention of honoring ) for the XXXX XXXX XXXX promotion by AmericanExpress that offers : Spend {$300.00} or more, get {$60.00} back. This promotion runs from XX/XX/2022, to XX/XX/2022. The terms and conditions state : spend a minimum of {$300.00} USD in one or more purchases on room rate and room chargesand receive a {$60.00} statement credit. 

On XX/XX/2022, purchases {$700.00} for a XXXX for room charges, but the promotional amount of {$60.00} credit has not been placed on my credit card statement. On XX/XX/2022 about XXXX XXXX  XXXX time, I called American Express customer service and spoke with XXXX ( agent number XXXX ) and inquired why the promotion was not honored. 

I asked the American Express customer service agent to send the reason why this promotion would not be honored. XXXX made the following statements : -The charge was for lodging at XXXX and not for a Room Charge so it can not be honored.

-American Express does not have a way to send the reason why this promotion will not be honored in writing to you. Let me read the terms and conditions to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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
Product: Credit reporting

had requested equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Debt collection

These accounts are not mind 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX United States I needed to cash a check and the teller looked me up and down and said there could be a hold and asked me to wait a minute. She went to the manager on duty and came back a few minutes later stating that they needed to put a 2 day hold on my check. I kindly objected and said I would take it to my other bank. Today, XXXX XXXX, I was denied employment due to having a low credit score. I pulled up my credit through XXXX XXXX and noticed XXXX XXXX RAN MY CREDIT WHICH DIRECTLY ATTRIBUTED TO THE LOWERING OF MY CREDIT SCORE! I would like this resolved and I would like to be compensated for this breach! I drove 258 miles from my home, spent 4 nights in a hotel and away from family duties so I could obtain employment as a XXXX XXXX to help the victims of the natural disasters that are plaguing our citizens and loved ones, and today I was denied that opportunity. I believe this is against the law!
Product: Mortgage

My loan officer, at the time, XXXX XXXX lied to me over and over again and cost me time, money and XXXX homes. He kept lying about the numbers and when I called to report him ( I called over a 100 times ) no one would return my calls. He has since been terminated due to fraud, but they refuse to make me whole my waiving their origination fees. They also lost my personal paperwork. I had to submit documents 3 times over, the same ones and no one can tell me where they are. For all I know, XXXX took them when they left. Someone needs to look into the practice of this company because I think they would find that quite a few rules are being broken. They are also nonresponsive and I believe they drag their feet so they can find ways of weaseling more money out of you. They also keep changing my numbers. My closing went from XXXX to XXXX in a matter of hours because they allegedly left things off. I ca n't trust a word they say but I 'm in escrow and ca n't afford to change lenders. They also lied to me about what I would need to secure the loan. After XXXX was fired they told me I would have to jump through so many more hoops that they did n't initially tell me about. At XXXX point they lied about the kind of loan I could receive and I had to pull out of a contract for a own because a week after signing the contract they call me and say we do n't off those types of loans anymore.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$6400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.