23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have verified my identity with the required documents 3 or more times. I have also called customer service during hours of operation and have been hung up on, put on hold for an unacceptable amount of time, then hung up on and also have been shuffled around profusely just to get back to the main menu and start all over again. This is more than just terrible customer service this is borderline fraud. I have read the pamphlet and read my rights as a card holder, and am now getting my lawyers involved. I expect over the top customer service from here on out.
Product: Debt collection

The Accounts are saying that it's the U.S. Department of Education reporting but there are other companies reporting of the bureau which is fraud. I've been asking for a lawful contract with wet signatures from both parties and a proper bill and record of accounting to assess any damages if there are any. instead my rights are being violated and damaged. defamation of character, identity fraud and more. I am getting reports from CRA 's with different addresses that I've written to all of the concerning this matter and most of them are returned or are being answered by other companies. GREAT LAKES HIGHER EDUCATION CORPORATION AND AFFILIATES wrote saying they had " uncontested wet ink documents '' and also said they sold information or sent information to another servicer fraudulently. I've never seen a signed wet ink contract with them.
Product: Mortgage

XXXX Dear Sirs : I received your notice of withdrawal, cancellation or denial and it is incorrect. The letter states the application was declined ... I made it clear to the Agent that I request my application to be withdrawn..The reason being I was ask to pay a additional cash payment of {$10000.00} dollars to the Company.. 
Due to false information given by your agent and the underwriting dept .I am turning you in to the Federal trade commission and the Bureau of Consumer Finance Protection . 
Due to the false statements that I received during the process and now false claims on my record. I am letting you know that I'm typing up a letter to send out to both agencies of the unfair practices that I received from this Company... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...
Product: Checking or savings account

Alright this started at wells Fargo when I was gon na do work for a company and he paid me but then a week later he pulled the funds back and I had to pay back outta my XXXX check. Then my account was closed. Then I got a account at XXXX XXXX  and this loan company put several checks that were bad and then chase closed my account when I still had charges on my account that weren't mine and was even waiting on some returned items to pay me back my money. Then I went to XXXX   XXXX   and the same loan place messed with my account so it got closed. I dont know how much money has been taken but it substantial. They need to like take this seriously cause it isn't right. They even forged a treasury check and forged my signature. They even put bad Mark 's on my credit score.
Product: Credit card or prepaid card

I took out a store credit for an engagement ring for my now fianc through XXXX. I paid each payment on time through their online portal. I followed the account summary page which told me my current balance, minimum payment due and due date and available credit. On the last payment in XX/XX/2019, according to the website I paid on time and in full what was originally agreed upon. 

What I did not know ( because it was not listed on my summary page ) is that although I paid every payment on time and the debit in full, the " promotional period '' ended on XX/XX/2019 which the summary page DID NOT provide. I was then charged an interest and late fee of {$160.00} the following month XX/XX/2019. 

When I called to report this I was told that " I should have checked my statement '' and not relied on the account summary information displayed on the website. After pleading with two agents about my consistency with the company in paying my bill on time over the last year, I finally gave up. They would not agree to remove the fee -- because of the inconsistency on their webpage -- and informed me that it was my responsibility to check both the statement and the summary page.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX Balance : {$30.00} XXXX  XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau refuse to remove disputed late payments off my credit report although I have repeatedly given them proof and bank statements that showed my creditors were paid on time in the month of question. Also, the utilization on my credit usage shows 89 % even though most of my credit cards all are paid off. XXXX has harmed and damaged my credit preventing me from improving my status with new creditors and they show a much lower score XXXX compared to the other credit bureaus. XXXX and XXXX shows a score of XXXX and utilization credit usage of 26 % and XXXX lates in which these XXXX bureaus removed the incorrect lates during my dispute with no problem or proof against my creditors. Also, there are inquiries placed on my report that I have not authorized on the XXXX report but they claim is out of their hands ; I must it handle myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX reported to the credit bureau that my credit card was canceled by creditor. This was not because of anything I had done. All payments have been made as agreed. The XXXX  XXXX company filed for bankruptcy and then sold the company to another dealer. Im continuing to pay my bill as agreed and have not had demands for balance in full. I dont think the should besmirch my credit by stating account closed by creditor!! It should be shown another way, as to not make me the villain. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking institute called Nationstar ( mr cooper ) has placed a bankruptcy on my credit report, that reports to banking institutions that offer government assistance. They have destroyed my life and cause me to suffer and have my child taken out of school because of the DESTROYED credit they created. I reported this for over 7 months, over and over again and now today
Product: Debt collection

I must be provided with a bill which reflects the proper amount from the original creditor, XXXX. As stated, on page 4 of the XXXX bill, I am to receive a credit upon return of the equipment. I have an invoice for XXXX XXXX equipment returned to XXXX  which was provided to the collection agency contracted by XXXX. The serial numbers on the XXXX  bill & equipment return invoice are identical & verifies that the debt is on my credit report is incorrect. I originally contested this debt on XX/XX/2018. In XXXX of 2018, I disputed the debt with XXXX, I was informed by XXXX that XXXX  must remove the negative information. XXXX has not removed the information, as yet. Various collection agencies have seemed to completely ignore the invoices from XXXX showing the return of the equipment. My attempts to contact XXXX  for for assistance are unsuccessful because it is a closed account & I am connected to the collection agency that is handling XXXX XXXX accounts, which is why I am contacting the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr  mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017 , I sent a letter  to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response.   XXXX  On  XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.
Product: Vehicle loan or lease

I purchased a vehicle at XXXX in XXXX VA, I owned 4 other cars at that time and told the dealer salemen that I only need a XXXX  for XXXX and XXXX XXXX. I told them I don't live in VA i have North Carolinia dirvers licesnse is that going to be a problem, I was told " no! ". 

It's obvious now they gave me the car and thought " 3 months later '' I'll drump though hoops. 

I didn't live in VA at the time of purchase my drivers license can prove this I had the car repossessed becaue I was told " I '' didn't register the car I can prove this I paid XXXX Tax and Tags I can prove this I currently on this day of XX/XX/2018 have a credit of over {$100.00} dollars I can prove this I tried to find a law that gives the lien holder the right to take the car under these circumstances I couldn't find any. I was told today I need to get VA dirvers licenses I can prove this also. 

I told " XXXX '' from XXXX XXXX XXXX can you ship the car to a XXXX location in N.C. and because it's now a problem and it wasn't them and have them register the car there and I'll pick it up. I was told no " you have to get a VA driver 's license, and hey all you have to do is do that and this matter is resolved ''. I then told her " I'm not getting a licesnse in VA it wasn't required when I brought this car and I don't live in VA ''. 

I also told her well a person can sign an agreement for a loan for 5 years and move! it not a crime to move or is it a problem at all to move when your financing a car. In addition once I obtain a VA license I'm admitting wrong! 

I'll have to send you a copy of all paper work. 


I would like you to publish this and us my name and info :
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. 
These accounts are Fraud Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 inructions 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: Debt collection

On XX/XX/2019, I received an email regarding a debt I forgot I owed to XXXX from XXXX XXXX at Commercial Collection Corp. They stated I have an outstanding balance and gave the amount, then gave information on how to log in and resolve my balance. 

This wouldn't have been a problem, however, in this email, they CCed 15 other email addresses. Some of these email addresses were ones I used when I was XXXX years old, which I have not touched for decades. Some were to family members. Others I did not recognize at all. 

This is a major violation of my privacy and I am overwhelmed and mortified that this information was released without my consent.
Product: Credit card or prepaid card

I recently just paid my AVANT credit card balance down to {$0.00}. On XX/XX/2022, I received XXXX unexplained credit transactions from XXXX different names that I never heard of. The names showing up on my billing statement were XXXX XXXX and XXXX XXXX. Both charged me for the amount of {$95.00} each thus totaling {$190.00}. I tried to call AVANT XXXX XXXX about the problem several times but no one answered or returned by calls. The reference number for both transactions are the following : ( Transaction A ) XXXX ( Transaction B ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently changed my name and there has been some issues with a mortgage loan provider being able to access my full credit history. 

The have asked me to contact the credit bureaus and give them updated information, I am able to call XXXX and XXXX to get the information required to update my information. However Experian does not have any way for me to contact them. 

I have tried calling their multiple phone lines and none of them will connect you to a real person who can assist with my issue. 

Essentially they have cut themselves off from the world and I need this resolved ASAP. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ONEMAIN XXXX Balance Owed : {$5600.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by this credit repair consolidation company, Arete Financial Freedom that they would handle all of the debt we named. They were going to contact them as soon as possible. I was also told to contract my debtors and give them an email stating that the company would handle these issues, email, threatening letters and calls. This has not been done since I have had this debt consolidation company.I was also told that I would have to pay them around {$680.00} as of XX/XX/2019 and for 17 more months to start the conversation with the debtors as well as lowing my payments. 
My credit score has been dramatic declining and because of the error that this Arete Financial Freedom company hasn't been reporting properly. That the company has and threatens calls/emails has also been increasing. This wasn't told to me, I was told when I sent all of my debtor consolidation company name, address, email and phone number this awful situation I am in would not happened. My resolution is that every account that was part of this agreement with this Arete Financial Freedom company those accounts must be back into correct standing, and that the late payment be remove. Due to this error of this credit repair consolidation company, Arete Financial Freedom my credit is been damaged and needs to be corrected.
Product: Debt collection

I am writing to bring to your attention a matter of great concern regarding unjust collections reported under my name to all three credit reporting agencies. This situation has adversely affected my credit standing, and I believe I have been unfairly reported. 

The debt in question is related to medical attention provided to my son, XXXX XXXX XXXX, on XX/XX/XXXX. As evidenced by the attached letter issued by XXXX XXXX under account number XXXX, a payment request of {$980.00} was made, which was specifically intended for payment assistance and was duly approved. This fact should have prevented the debt from being forwarded to a collections agency, as clearly indicated by the accompanying documentation. 

What is most distressing is that the collection reporting began impacting my credit history in XX/XX/XXXX, a staggering 16 months after the medical attention was administered. This temporal discrepancy is highly irregular and raises serious questions about the integrity of the process followed by the collections agency, MBA Law. 

As of the date of this letter, I have not received any additional documentation from MBA Law supporting the inclusion of this debt on my credit history. I possess no signed contract, payment agreement, or any other document that validly demonstrates an outstanding debt for medical services. 

I kindly request your immediate intervention to investigate this matter and advocate for a fair and accurate review of my credit situation. Additionally, I urge you to contact MBA Law and request the necessary documentation to substantiate the validity of the debt in question. 

Attached to this letter, you will find copies of the payment assistance approval letter issued by XXXX XXXX and any other relevant documents pertaining to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX  WHO CHANGED THEIR NAME TO OCWEN AND NOW PHH. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN XX/XX/XXXX. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED.

PHH IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE.

REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM PHH FOR REFERNCED ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX  IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Product: Vehicle loan or lease

United Auto Credit sent me the title to my paid vehicle in XX/XX/2022. Thereafter, they began to call and send letters demanding a final car payment. I'd already paid my final balance in full and received the car title. They continued to call and threaten to repossess the car if I did not pay in full the {$1100.00}. They have harassed me by phone and mail for over a year and we need them to stop. Remove this false payment demand from all of my credit bureau accounts. 
My son is a XXXX XXXX XXXX XXXX & uses the car to XXXX XXXX XXXX kids. We don't need that public humiliation in front of children over an aggressive scare tactic when we have already paid and received the title of the car. They were calling and asking where is the car parked? and stating that they know where the car is to pick it up if we don't pay the final balance.
Product: Checking or savings account

I reported my card stolen and disputed un authorized transactions .I reported I never received my card in mail.i filed police report like they asked me to.this has been going on for XXXX years and still pending.they have treated me like a criminal from the start .I 've made complaints and have done no good.i just want my money back that was stolen from me during the pandemic.bank of America has treated this like a joke from the start giving me no answers.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX, XXXX, TU ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX XXXX - Opened XX/XX/XXXX Balance. XXXX
Product: Student loan

Mohela is the new federal loan provider and whenever I tried to call there is always a long time to wait. When i was with XXXX one had to wait, but not for such a long period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I alerted All credit reporting agencies of fraudulent activity and unauthorized use of my personal information with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Equifax Fraud Department say they never received my Fraud Report from the Federal Trade Commission and my Police Report all-thought I received phone confirmation of it being received and I emailed the complaint online for a 2nd time to Equifax about XX/XX/2020. Equifax was to Block and/or Delete this fraudulent account from my credit report but to this date they never have ( only XXXX has complied with the Federal Trade Commission and deleted XXXX  XXXX from my credit report ). 
Now again, XX/XX/2020 a fraudulent hard inquiry from XXXX XXXX XXXX  and XXXX XXXX  - unauthorized that I did not make is on my credit report ( s ) I initiated complaints with Equifax 2 to 3 times  since XX/XX/2020 and they will not delete these erroneous fraudulent hard inquiries despite my calling the companies and them mailing Equifax documentation to delete. Equifax for seven ( 7 ) months now has been incompetent in investigating and timely processing my requests!