23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

i got a new rv loan got one statement then none. 6 times over past three months i have called talked to reps and even a so called supervisor got different reason why no statements came to me which they keep acknoldging they did not send them to me. i have requested even by email but they never come. i need them to mail in pmts. and track what is going on. i don't want to do things online. but i think they want me to give in. if i keep not getting statements i cant pay my bill on time and i don't want my credit to get messed up. it will be their fault. so i am filing a complaint for you to investigate. i hope you get back to me as i will file a claim in court if my credit gets messed up because i don't get a statement to pay them the money i owe them. i want as much evidence as needed if it comes to this. that i tried to solve it. i hope you can resolve this and get them to send me statements in the US Mail every month. 

Their name is XXXX XXXX. their NMLS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX and XXXX XXXX XXXX  have a Bank of America checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
Product: Credit reporting or other personal consumer reports

There's multiple mistakes that is reporting on each of the 3 bureaus differently. The creditors are 1XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXXXXXX XXXX 4XXXX XXXX I have tried multiple times in TRYING TO get IT Resolved. But every time you have failed to delete the items and they continue to show the INNACURACIES. From payment history to date started just to name a few of the mistakes being reported.Each of the 3 consumer reporting agencys have failed to fix it. And continue to have inaccurate and incomplete reporting to post without being fixed. It supposed to have maximum accuracy and this is far from it. Please follow the law and delete those listed items.

Heres the United States code/ law showing that its your job to delete theze items from reporting. They have failed to fix the mistakes gor months and there is just too many mistakes from the accounts that And it is your responsibility to and it is the law to delete these items from reporting on my credit reports moving forward. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Those are the laws that is forcing you to now delete each of the listed items from reporting on XXXX, XXXX, and Experian. Please follow the law and delete these items. Failure to do just that will result in a lawsuit being started for each bureau that didn't do the right thing and follow the law. Thank you for reading this dispute I look forward to hearing back from you guys and getting these items deleted asap. Thanks and God Bless! 
I'm also attaching My ID front and back my SSN and a bill with my name and address on it FOR IDENTITY PURPOSES. And I'm attaching A Identity Theft Report that shows that this is a real ongoing issue.
Product: Debt collection

Details Hi I dont owe XXXX & XXXX XXXX {$330.00}. XXXX XXXX XXXX himself called me numerous times to threaten to sue, sent false bills to collections to abuse my credit score and sent countless letters to my primary house. 

1. Per XXXX XXXX XXXX paperwork, stage XXXX ( {$650.00} ) consists of 20 % of the total treatment ( {$3200.00} ). Therefore, the total financial responsibility should technically should be 20 % less because he did not complete the remaining 20 % of total treatment. The responsibility for 80 % of {$2500.00} which is {$2000.00} paid in full. Per the agreement I signed, he is obligated to finish the remaining 20 % of the project ( stage XXXX ), but he is not finishing the project. 

2. Also the contract shows that fees are valid for 90 days, their office sent their bill/statement on XXXX with originated date XXXX which equates to XXXX days lag. 

3. You can also see I didnt sign any financial obligation contract.

Similar to a general contractor building a house. The general contractor put the foundation and completed 80 % of the project but did not finish building the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy filed XX/XX/2019 discharge XXXX XXXX.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and DeletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Wells Fargo Dealer Services continues to seek payment on a loan for the entire loan amount instead of recalculating the amount based on their sale of the collateral vehicle after they took it back twice. XX/XX/2016 Wells Fargo Dealer Services came to retrieve the vehicle for the second time. It was around XXXX and the guy that came said " sorry you have to call Wells Fargo if you want the car back because its going to be sold really fast ''. I did not seek to recover the vehicle. 

Upon reviewing my credit report, I noticed that Wells Fargo has yet to update the accouting of my loan with them. I requested information from Wells Fargo on XXXX/XXXX/2016 using their phone number of XXXX. I was told the account was not in their office and that I should call XXXX. I called that number and was told they did not have the account in their department that I should call back to XXXX. I called that number as instructed only to be told again that it was not in their office. Both offices told me to call the other office. 

On XXXX/XXXX/2016, I again called Wells Fargo and spoke to CSR ID XXXX and was transferred to another department because she did not have details about the account as it was in a different department. I then called XXXX ( a number of WFDS ) and they too did not have my account. I then called again to the main number and was transferred to a CSR by the name of XXXX ( whom told me he does not have an ID number to provide ) and he told me to call XXXX. I then called XXXX and was told again that it was not in their deparment and was told to call the " Wells Fargo Dealer Services Regional Office ''. I called the " Wells Fargo Dealer Services Regional Office '' only to be told again that the account is not in their office. 

I then called the main number again to inquire about the status and to get details about the loan, the balance after they took it back, and what the next steps would be. I was told once again it was " not in their department and they do n't see anything about the account ''. I asked how much do I owe after they took the car and was told by the CSR " I do n't have that information ''. I explained to the CSR that my credit reports are not correct and the balance should not be so high since they took the car and I confirmed with the CA-DMV earlier in the month that it was sold. CA-DMV would not provide me with the sale date, amount, or anything other information because I was no longer the owner. I asked how do I fix this and/or who do I talk to because Wells Fargo reporting wrong information everymonth. I was told by the CSR " I really do n't know what to tell you Ma'am. There is nothing I can do at this point ''. 

I was not given any means to address the erroneous credit reporting issues, nor was I given any accurate contact information/department to correct the issue. When I asked " exactly how much does Wells Fargo say I owe? '' I was told by the CSR that she does not have access to that information. Hence I am seeking assistance from the consumer financial protection bureau. 

I have been seeking to have accurate data reporting to the credit bureaus
Product: Credit reporting or other personal consumer reports

On dates XX/XX/year> and XX/XX/year> there has been false permission on my credit report from the creditor name ONEMAIN. Due to 15 U.S. code 1681b - Permissible purposes of consumer reports i demand these inquiries to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX shows XX/XX/2018 and XXXX   shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.
Product: Vehicle loan or lease

the car that was bought in american honda was NOT me.i never bought that XXXX XXXX XXXX nor did i ever apply for credit! PLEASE understand that i never gave anyone permission to buy any purchased or use my name for any reason at all! the service i reserved on behalf of american honda was truly disrespectful from the management team from from store XXXX XXXX XXXX n.j ... ive been seek for help and i feel like im in not getting no result! ive tired just about everthing please help me get some answer
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  .13 I trie d to get a  XXXX  under my name but was not able to so they told me that I can use my boyfriend to see if we would qualify for one. At that time he was not home. He was at work but they insisted that is was ok. This application submitted was falsely submitted by the company 's rep. The sales person signed and had us all turn around to not look. And they told me that as a down payment they needed another vacuum cleaner of some sort and that they will return on Saturday to come by to pick it up. The next day I called them to let them know that I was not interested in purchasing the item anymore and since they were going to come by on Saturday to pick up the other vacuum they can just come by to pick up the  XXXX  instead. No one ever showed up to come pick up anything that weekend. I have made numerous attempts to contact  XXXX . All to no avail. The fictitious application and forged signatures do not bind me to any obligation with this company. Additionally, Merchants Acceptance is a 3rd party collection agency and has not provided any documentation to support that I truly and indeed owe them anything. Where are the original documents that bear my signature and prove that I signed a contract with Merchants Acceptance? I have never heard of this company nor have I ever did business with them. The  XXXX  sales team are frauds that practice fraudulent behavior.
Product: Debt collection

Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.
Product: Checking or savings account

I had a couple of auto pay transactions and an unexpected expense arose and it caused my account to go negative. Merchants send ACH through 2-3times and it caused over {$200.00} overdraft fees. The bank wasnt willing to refund the fees. I understand the initial fee but if a merchant attempts the transaction 2-3 times Im not able to stop it. I have since stopped the auto transactions. Currently making payments on account.
Product: Student loan

FedLoan servicing reported to XXXX this month that I was 120 days late on my student loan. I paid all my loans off with them as of XX/XX/2019 when I consolidated with XXXX. When I called them they told me they had not report to the credit bureaus since XX/XX/2019, which I proof that they have on my credit reports. They are impacting my credit since are report 16 accounts with them as currently 120 days late which they can not be since I OWED NO MONEY. They are impacting my ability to buy a home, buy a car or even if a job I apply to needs to look at my credit report. I want this mistake cleared ASAP
Product: Money transfer, virtual currency, or money service

I used Plastiq to send two checks that were scheduled for delivery on XX/XX/XXXX. The checks arrived late ( they still have not been received ), and according to their " Payment Guarantee '', they will reimburse any late fees incurred after the guaranteed delivery date. I reached out on Friday, XX/XX/XXXX to process the reimbursement check for {$180.00} total for both checks, following the process described on their website. I received a response to send a couple more pieces of information, but after sending those, I received no further reply. I followed up with two more emails over the next few days, with no responses. This is not the first time that this has happened. It seems to be a standard practice that they do not actually honor their guarantee. A prior request I had to email many, many times and threaten multiple complaints for them to respond. I am tired of them posting a guarantee online, and then refusing to follow through with reimbursement.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX at XXXX XXXX XXXX XXXX XX/XX/XXXX for {$130.00}, an XXXX XXXX opened at XXXX on XX/XX/XXXX for {$220.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I do have some money I wish to withdraw and they not let me do that, {$3300.00} for now.
Product: Credit reporting or other personal consumer reports

I have been disputing a identity theft/fraudulent accounts on my credit. I have provided documentation that the account ( s ) was due to fraudulent activities. I filed a FTC report and gave my report number for proof. I was told once the FTC report was filed that the items would be deleted. Months later those items are still reflecting my credit and the bureaus are refusing to delete those items. In addition, I am XXXX ( SSD ), I have NO drivers license and Im partially XXXX
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/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is a XXXX XXXX credit card on my credit file, states I am an authorized user..I have never been a user on that account and do not have a card ( the account with a {$4000.00} balance ). I talked to XXXX XXXX and they have corrected it on their end but I need it removed off my credit reports.
Product: Credit card or prepaid card

On XX/XX/2022, my TD credit card was hacked. Someone made a fraudulent transaction for {$2300.00} to XXXX XXXX. I notified TD bank and filed a dispute for this charge. 

On XX/XX/2022, I received a credit on my new TD credit card for {$2300.00}. It was then reapplied saying that I affirmed the transaction. I have written and called TD bank several times with no resolution. I did not make this transaction. 

Fraud Hotline # XXXX My case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXXl Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

In 2015 I started paying back my student loan with department of education, special program so they stop talking my taxe returns and paid it all in full through the department education payment program!. Now there is three loans instead of one with Nelnet company that calls them selfs the handles of student loans!. I told them they are full of XXXX all of my student loan is all paid and done!. Thats what I was told by the department of education!. That my loan was all done through their payment program!. Which may be a scam like everything else out there that is scamming people out of money!. They are saying my {$900.00} balance is now XXXX and counting and its split up in to three pieces!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX/XXXX-Date of inquiry : XX/XX/XXXX XXXX  XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/XXXX
Product: Mortgage

Due to natural disaster in the state of Texas, my closing on refinance was delayed from XX/XX/2021 to XX/XX/2021( see attached letter ). I called and notified Freedom mortgage of the delay and they said the payoff would remain in good standing.

Loan was paid in full on XX/XX/2021 per Freedom mortgage and closed as ofXX/XX/2021 ( see attached documentation ) yet they debited my escrow account on XX/XX/21 for mortgage insurance. Are they allowed to do that after the loan is closed?

I tried contacting Freedom mortgage by secure message ( no response ) on XX/XX/2021. When I called on XX/XX/2021, she said there was nothing she could do ( customer service ) and that she would put a note in the record to have the money refunded. It was not. I am requesting a refund since I have a new lender as of XX/XX/2021 for this home.
Product: Checking or savings account

On XX/XX/XXXX I made my tenth fraud and suspicious activity report in person at XXXX XXXX XXXX in XXXX  XXXX va to XXXX XXXX. XXXX XXXX XXXX letter of XXXX confirms that but ms XXXX states in was just for statements. Bank of America needs review the escalation report on file of XX/XX/XXXX It states high level With consumer deposit accounts atm checking Sub level Statements and items And then the start date states XX/XX/XXXX ( exactly the date that XXXX was opened and the end date is XXXX XXXX XXXX ( the exact date that boa let XXXX XXXX close all of our. Joint accounts as per XXXX without my written permission ) Then the escalation report states XXXX XXXX XXXX XXXX XXXX va to be delivered to THAT WAS WHY I NEVER RECEIVED MY PAID FOR COPIES spouse put Mr XXXX XXXX address for my XXXX $ paid for statements for my divorce asset hearing for court. On that very date XXXX XXXX XXXX. And it also states XXXX accounts to be sent NOT TO ME BUT XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX VA!!! Why!! 
the my profile on the escalation report states my address of XXXX XXXX XXXX XXXX XXXX nc updated XXXX as per XXXX my address was updated to my XXXX XXXX in XX/XX/XXXX. Also their are 2 phone numbers on my profile WHICH ARE NOT MINE. mine is XXXX My fax # XXXX paid to XXXX for fax service due to situations like this. Boa won't correspond via my email due to my XXXX they say they try and contacted me AT WHAT PHONE # BOTH PHONE # S ARE WRING AS PER XXXX ESCALATION REPORT. 
it also states that I got an ATM CARD. # XXXX in XXXX in Florida I want the original card issuance details on this XXXX card due to approx everything that boa has given me has fraudulently been altered from unknown sources. 
Also their is No Date ENTERED AS FOLLOW UP on my high level situation THAT IS WHY XXXX XXXX this situation is still occurring. 
XXXX state Va XXXX my profile is incorrect. 
Ebanking phone # incorrect Customer contact phone incorrect XXXX  mailing address does not even appear on my profile. 
SO HOW HAS BOA CONTACTED ME OF ANY ALERTS ON MY ACCOUNTS SINCE XXXX they could not because all of my info that I keep updating is altered. 
After this escalation report was done. And I paid {$160.00} for very important monetarily seeking marital assets documents are gone forever. On that same day A week later I went back into boa XXXX XXXX XXXX due to my card was declined I FOUND OUT THAT XXXX the branch XXXX had reviewed my escalation report and her findings were to charge me {$420.00} additionally for the statements that I have never received AND IT OVERDREW MY ACCOUNT!!!!!!!!! LOOK IT UP IT IS on my bank boa info. 
So for a person XXXX that I initially reported fraud AND suspicious activity XXXX to see I had an escalation to review and to fix it by not notifying me that she was going to charge my XXXX XXXX $ and overdrew my account. Not a I'm sorry or a boo from her on what she did. 
There are XXXX XXXX dollars of non AUTHORIZED transactions and more on my XXXX whose card used my account as a CHECKCARD PURCHASE from XXXX thru XXXX.