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

I reached out to the CEO of XXXX XXXX XXXX XXXX XXXX XXXX regarding an error by the company that caused my credit card to be closed and charged off. XXXX forwarded the information to the resolution team. They completed their research and accepted the error therefore they agreed to remove the payments that they reported as late as well as the charge off status of the account. Upon requesting a document I found out that they did not submit the request to remove the charge off status and they only requested the late payments. The fact that they are not removing the charge off as originally informed doesnt make sense and is unethical considering the fact that an account can not go to a charge off status unless it is late and the account shouldve never been late and after they made the corrections the account doesnt have any late payments reporting therefore it shouldnt have the charge off status. I have explained this to the resolution team member and 2 managers but they are not utilizing their resources or understanding the process as they continue to try and push me to another department that already said can not assist and advised the resolution team would be the one to complete the correction. I have sent an email to XXXX XXXX several times again and there has been no contact by anyone from XXXX since XXXX/XXXX/2023. They corrected half of the problem when the entire problem needs to be corrected as they are connected and XXXX accepted responsibility for the error when they requested the late payments to be removed after the research was completed.
Product: Credit card

On XX/XX/year>, I went to Best Buy to purchase a dishwasher and was told by the salesperson that I could open a CitiBank credit card and save some money, so I did. After talking to my daughter, the next day XX/XX/XXXX, I decided to cancel the order and so I called Best Buy and was told the order and the credit application was cancelled. 
In May, I received a bill from Citibank to {$59.00} annual fee. I called Citibank and was told the application was cancelled and they would removed the fee. 
Then, last Thursday, XX/XX/XXXX, I received another bill from Citibank for {$59.00} fee and {$30.00} late fee! 
I called Citibank today, with the help of my adult daughter, explained what we were told and after XXXX minutes and XXXX transfers we were transferred to a manager that told us we would have to call Best Buy to clear this up. 
I called the manager at Best Buy who said I would need to reach out to Citibank yet again as the charges are from Citibank.
Product: Vehicle loan or lease

XXXX XXXX XXXX/Auto Nation falsely advertised a vehicle online at $ XXXX, but the paperwork stated $ XXXX including a cash down payment. After reviewing my documents and studying the laws, I was misled into purchasing the car at a higher price than the one advertised. After discovering the discrepancy and falsified purchase agreement through signatures not of my own handwriting and accepting insurance not in agreement/requirement to even purchase the vehicle they just in fact wanted a sale, I attempted to rescind the contract and ask for the down payment of {$1500.00} to be refunded in XX/XX/XXXX due to deceptive practices. However, XXXX XXXX XXXXAuto Nation refused to acknowledge my rescission request. On XX/XX/XXXX, they repossessed my vehicle without notice, violating my rights. Those rights are as follows : XXXX. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601, 12 CFR 1026.19 ( e ) ( 2 ) - Failed to disclose credit terms accurately ( e.g., APR, finance charges ) - Failed to provide clear and conspicuous disclosures- Requested and accepted a down payment 2. Federal Trade Commission ( FTC ) Act - 15 U.S.C. 45 - Engaged in deceptive advertising ( false price ) - Failed to substantiate claims 3. Federal Trade Commission ( FTC ) Guidelines - 16 CFR 254 - Made false or misleading representations in advertising 4. Texas Deceptive Trade Practices-Consumer Protection Act - Tex. Bus. & Com. Code Ann. 17 et seq. - Engaged in false or misleading representations- Failed to disclose material facts 5. UCC 9-609 - Failure to provide pre-repossession notice - Failed to provide written notice of default and opportunity to cure 6. UCC 9-610 - Unauthorized repossession - Repossessed vehicle without borrower 's consent or court order 7. UCC 9-611 - Failure to provide post-repossession notice - Failed to provide written notice of repossession and sale 8. UCC 9-613- Disposition of collateral without notice - Sold or disposed of vehicle without notice to borrower. 9. 12 CFR 1026.17 - Failure to disclose credit terms- Failed to disclose credit terms, including APR and finance charges 10. 12 CFR 1026.18 - Failure to provide rescission notice - Failed to provide notice of right to rescind 11. Federal Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 - Engaged in harassment and false representations- Failed to provide validation of debt 12. Texas Finance Code - Tex. Fin. Code Ann. 392 et seq. - Engaged in unfair or deceptive practices in consumer transactions- Failed to disclose material facts
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since 2019 so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> put hard inquiries on my credit report when they told me it was just soft pulls I would like to remove from my credit report immediately
Product: Debt collection

I paid for a XXXX XXXX  Membership in XX/XX/XXXX at XXXX XXXX XXXX XXXX in XX/XX/XXXX. Things were fine until the park closed due to the virus and I wasn't able to access the service I paid for. XXXX XXXX continued to bill my credit card monthly even though the park was closed. I stopped paying in XXXX because the limitations on accessing the park were unrealistic and fundamentally reduced the service I was paying for. XXXXXXXX XXXX refuses to refund my fees for the months it was closed and continues to bill me monthly even though my membership expired in XX/XX/XXXX. They have turned the account over to collections. I tried to talk to them yesterday but they insist that the auto renewed months must be paid before they will cancel my membership.
Product: Checking or savings account

I had a direct deposit processed to the account. The funds were held illegally. When asked about the funds I was lied to and told they were not sent to them. After asking and arguing for a further investigation I was told my funds were held and I need to sign an email. When I requested the email it has not been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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Trans Union continues to list the dismissed bankruptcy on my credit file. Trans Union 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated.
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Therefore, Trans Union has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Debt collection

My daughter, a minor, had a membership with XXXXXXXX XXXX  XXXX and due to injury, no longer went, continued paying without attending the gym. The membership was closed properly through XXXXXXXX XXXX XXXXXXXX and cancellation form was completed XX/XX/XXXX. All business with XXXXXXXX XXXX XXXXXXXX was complete. On XX/XX/XXXX, a notice was sent to my daughter. XXXXXXXX XXXX XXXXXXXX either fraudulently sold my daughter 's ( a minor/child ) information to a law firm : Aldous & Associates XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX as a notice was sent to her and received XX/XX/XXXX or this is a company attempting to scam minors. I do not trust calling this firm as this seems shady to send a collection to a child for the amount of XXXX. This is not owed and perhaps, they are scamming people to try to acquire money or XXXXXXXX XXXX XXXX is selling people 's information for the same reason.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Navient claims that I co-signed my son 's student loans for which I have no recollection. I asked them for proof and they sent me a copy of the contracts with my name typed on the co-borrower 's line with some numbers underneath it. I asked them how it was that my name appeared on the contracts. They told me that I signed electronically. I told them that I did not recall that so I needed some type of confirmation. They said that they don't have that information. As I continued explaining to them that I didn't believe I signed using an electronic signature, they then said I must have done it over the phone. With that response I requested confirmation since they record all calls but they said they don't have that either. In XXXX or XXXX when I first asked Sallie Mae ( the original holder of the loans ) how I became the co-signer, they told me that they used the first loan which I did co-sign and applied that information to the others. I told them at the time that I didn't think that was legal but their response to me was " Well, that's how they do it ''. In addition, some of these loans have no disbursement schedules to show that the school ever received the money, one has no borrower signature, and another has no co-borrower information at all. Plus, my son wasn't in school at the time they say he received one of these loans. We have tried reaching out to the school, XXXX XXXX XXXX, XXXX, to get more information but the school has been acquired by another institution. The acquiring school states that they are unable to furnish any information. Now, Navient wants to make some kind of deal with me to settle this debt, but before I agree to anything, I need to know that these loans are valid and that I actually co-signed for them. So far, they have given me three different explanations but no proof for any of them. I'm hoping that the CFPB can help me resolve this issue.
Product: Debt collection

XXXX XXXX alerted me to a negative remark on my credit. I called the Doctors office. I was told they sent for statements. The office confirmed my mailing address and the address was wrong. They employed XXXX XXXX XXXX in XXXX Ohio to collect. I never got an invoice or a phone call. My XXXXredit score has been harmed 73Points, not I am unable to finance a new car. My credit score was XXXX. My credit was destroyed with no written notice, no phone call. When I spoke with the office at the doctor they said they were submitting the bill to my insurance again yet my credit was ruined by the Dr office and XXXX XXXX XXXX of XXXX Ohio. Had it not been for a notice from XXXX XXXX I would not have known about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a hard credit inquiry on my XXXX  credit report dated XX/XX/XXXX. Contacted Bank of America ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted BofA XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with XXXX for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax and they did not properly investigate my dispute. There are medical bills showing on my report that was satisfied and should be removed once paid. They failed to produce anything to verify that the information is correct. I am asking for your help to make them abide by the law.
Product: Mortgage

I experienced a temporary hardship and have applied 3 separate times with you for a consideration of Hardship Application. Each time you have denied me which is unacceptable because you have not made any effort to work with me to keep my home.

Please consider this written formal request for you to perform the following : My intention is to retain my home as my primary residence and I would like to be considered for all options to retain my home. 
I am asking to be put on a XXXX XXXX XXXX  until XX/XX/year> until you can review my mortgage application for the new XXXX. 
I would like to be reviewed for the VASP program  as a last resort
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, 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 XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXXXXXX 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 my sworn personal statement that I pulled my consumer report and found a fraudulent account attached to my name that I never originated and have no idea where this account came from. Pursuant to 15 USC 1681c-2 this fraudulent account needs to be deleted immediately on clear grounds of ident theft. 
XXXX XXXX XXXX  XXXX I have already tried to fix this situation but am getting back verified by your agency. If a true re-investigation is not immediately preformed on this account and in turn deleted from my report, I will may very well be seeking damages pursuant to 15 USC 1681n and 15 USC 16891o as this is well within the range of negligible non-compliance.
Product: Credit reporting or other personal consumer reports

XX/XX/year> experian decided to keep a charge off account on my credit even though I had already paid it off and it couldve been removed. This affected me getting an auto loan from XXXX a couple weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report XXXX, XXXX, And equifax days ago .I have not received as response yet and seems as if my disputes being ignored
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 received an unsolicited Credit/Debit card in the mail from PENFED Credit Union on XX/XX/XXXX. 
I called their Consumer Fraud number through the customer service number listed on the fraudulent card : XXXX to cancel this card. Tomorrow I will call member services to make sure the account in my name is closed. 
I am worried that someone has my Social Security number. 
I called XXXX and XXXX to place a Fraud Alert on all my Credit files. 
What else should I do to protect my Identity. I am normally very careful to use known/trusted companies to purchase items online through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several complaints to Equifax regarding these accounts, and I'mbeyond tired of going back and forth about MY consumer report and the unfair treatment I am receiving. The fraud is real and I will take legal action if my complaints are taken seriously. Equifax, you have 10 days to make this right-DELETE the FRAUDULENT accounts on my consumer report, I never gave you written permission to report these alleged account.