23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under ref # XXXX XX/XX/XXXX TID # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX. 

That above you confirmed my ownership and protected XXXX XXXX XXXX committed fraud through XXXX XXXX XXXX XXXX and step forward Michigan stealing. The squatter fake doctor and fake schoolcraft college using XXXX fake XXXX degrees got fired after I reported him and XXXX XXXX is pending. He are also using a fake XXXX under home protection XXXX XXXX XXXX record id # XXXX XXXX Michigan Homeowners XXXX that do not exist. I were informed on XX/XX/XXXX by XXXX XXXX XXXXXXXX mortgage XXXX XXXX XXXX that a guy name XXXX XXXX of XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file under loan number XXXX to XXXX XXXXXXXX XXXX  used my good loan XXXX. Your non law enforcement action allowed XXXX XXXX XXXX fake SSN numbers XXXX and XXXX to go and cash XXXX chase escrow account checks in my name and I made police report XXXX as forgery to detective XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX just confess this is fraud under XXXX and new your attorney general discovered Mortgage fraud under XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX discovered my name on right under XXXX. To reconfirm I am owner go to XXXX  review XXXX and XXXX XXXX XXXX at XXXX  reported fraud in reference to your involvement actions on XX/XX/XXXX as XXXX. Also your client from XXXX here on an visa got over XXXX loans hit my credit file and over XXXX credit cards in my name. Also under investigation XXXX XXXX XXXX as NPI XXXX and you must expose.
Product: Student loan

I attended XXXX XXXX  University from XX/XX/XXXX to XX/XX/XXXX. My parents did not have enough money to send me to school and I did not get a lot of money through Financial Aid so I was forced to get student loans to better myself. I was able to get a couple Federal Loans through the school but the amounts that they approved me for did not come close to covering room and board, books and tuition expense so I applied with my grandma as the co-signer through XXXX. After college I had numerous student loans that each had to be paid individually and the interest was variable and was killing me so I in XX/XX/XXXX I got online to see how I could consolidate my loans. Some were private and some were federal. I found a site XXXX XXXX who got me in contact with Navient. Navient financed my loans and no where in the entire application did it say that signing up with consolidation would I lose out on my XXXX tax deduction for student loan interest. They are not sending me form XXXX so I called and their customer service will not help me at all. I feel like I have been done wrong here and all I am trying to do is pay back my loans. I have been paying for almost 10 years now and this company is completely taking advantage of me and my hard earned money ... can someone please help me or direct me in the direction. Nothing that I signed said anything about not getting this tax advantage. Why would anyone sign away that advantage because it is the only perk to spending thousands in interested every year. Please help.
Product: Debt collection

On XX/XX/2023 I received alert notification from XXXX that Assoc Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX placed colletion status on all XXXX Credit Bureau. I never received a letter/notice from XXXX XXXX & Assoc Credit Services about the debit. The fair Debit Collection Practice Act states that a Debit Collector before report to the Credit Reporting agencies.

It must complete the following steps ; 1. Speak to you by telephone or in person about debit 2. Mail a letter or send a electronic communication about the debit and wait about 14 days to get a response. 

Assoc Credit Services failed to follow the law. It not a mistake. Associated Credit Services did it intentionally.
Product: Credit reporting or other personal consumer reports

My Equifax account has been locked for the past 8 months. When I log into my account, I am unable to see my credit score, and everything is blank. I have reached out to Equifax numerous times to fix this issue. I have sent them a copy of my driver 's license as well as proof of address to unlock my account, yet it is still blocked.
Product: Credit reporting or other personal consumer reports

The charge off on my account needs to be removed immediately because it VIOLATES MY CONSUMER RIGHTS this information is inaccurate and incorrect XXXX XXXX XXXX XXXX XXXX EQUIFAX reported it was closed XXXX XXXX XXXX XXXX reported it was closed XXXX XXXX XXXX  This charge off needs to be removed immediately
Product: Credit reporting, credit repair services, 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 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 {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$700.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete an account in violation of a court order. The court ordered XXXX to remove the trade line from my account and make no further reporting, XXXX continues to report and Equifax continues to accept this reporting for monies that I never owed XXXX. This account should be deleted from my report. It has already cost me thousands of dollars.
Product: Vehicle loan or lease

XX/XX/2023 my wife made a payment mistakenly to the wrong account as she is XXXX and we have 2 of the same branded vehicles with a XXXX in the name, I typically make all payments on both accounts, however I am a XXXX XXXX and I refuse to text and drive by any means! I checked to see if she made it on the correct account and saw it was for the second vehicle. Called Ally Financial and they talked to me for 35-40 minutes coming to a resolution in which they will apply that amount of XXXX ( regular monthly payment ) from one account to the other, and told me if anything was reported to the credit bureaus to simply call back and they will help me get it off. However they called back 11 days later saying they changed their mind and now they dont want to do it the way that we agreed. I was lied to and I even have a recording of the phone call for my personal records just in case they tried something like this. They also have a recording from that exact phone call XX/XX/2023 in which I asked them to review but I have not yet heard anything about the review process Please help make sure that they are held responsible and not to mislead consumers by telling them one thing and changing there minds 2 weeks later
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the Experian website to lift a freeze on my credit report on XX/XX/XXXX, and received an online screen confirming the lift and was charged for the temporary lift. On XX/XX/XXXX a creditor reported that they were unable to process a credit request because Experian reported a freeze was intact. Experian provides no way to inquire or resolve the issue.
Product: Debt collection

Frauddently inputrrrd info not true conns credit dates XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$20000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

**SECOND DISPUTE** This dispute is a follow up to my previous communication regarding the inaccuracies on my credit report, I received a response from BANK OF AMERICA XXXX XX/XX/2023. Regrettably, the response provided is alarmingly general, and the lack of specific details indicates that a thorough investigation was not conducted. The ( ATTACHED ) reply essentially confirms the accuracy of the reported account information without addressing the concerns I raised. 

It is imperative to note that the inaccuracies in my credit report have far-reaching consequences. Not only do these inaccuracies impact my credit score and financial standing, but they also have a damaging effect on my reputation and hinder my ability to access credit. The inaccuracies essentially constitute a form of defamation of character, as they unfairly tarnish my financial reputation. Such consequences are in direct violation of the spirit of fair and accurate credit reporting. 

Furthermore, the failure to conduct a comprehensive and good faith investigation is not in compliance with the legal obligations set forth under the Tennessee Consumer Protection Act ( Tenn. Code 66-28-516 ), which prohibits deceptive or unfair practices in trade and commerce that adversely affect the public interest. 

Given the gravity of the situation and the implications for my financial and personal well-being, it is imperative that Bank of America conducts a thorough and diligent investigation into the inaccuracies in my credit report. Failing to do so may necessitate further legal action to rectify the harm inflicted upon my financial and personal well-being.
Product: Checking or savings account

Reviewing my account online I noticed XXXX unauthorized charges totally almost {$2000.00} and timely reported to Arvest bank. They denied because I also noted a subscription charge not authorized which they alleged was not a timely reporting. So they eliminated the untimely {$30.00} subscription charge and denied the almost {$2000.00} in timely reported unauthorized fraudulent charges. I am the cliche old person on social security and small state pension. This {$2000.00} in charges equals about 5 % or my annual income so it is not insignificant. I do not understand the denial. Went into bank office and got no clear answers. How can I get review by bank and clear reason for their denial and what recourse I have.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

This company ran unauthorized credit inquiry on my credit report. This is suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, Equifax and XXXX are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.
Product: Student loan

I consolidated my federal student loans and applied for SAVE ( previously on REPAYE ) back on XX/XX/2023. The consolidation was processed in XXXX but the SAVE application was listed as processing on Mohela. I checked my account on XX/XX/XXXX and noticed that my SAVE application was still listed as processing but my repayment was on the LEVEL ( standard plan ) and due in XXXX. I called on XX/XX/XXXX to get an update on my SAVE application. The rep on XX/XX/XXXX told me my SAVE application must have gotten lost and to resubmit the application verbally. I did that and was placed on administrative forbearance until XXXX. 

On XX/XX/2023 a bill was generated for my account and still was listed for the LEVEL payment. I called on XX/XX/XXXX to see what was going on since I now have a payment due for the LEVEL ( standard ) repayment due on XXXX. I was told by three different reps that once again my SAVE application from XXXX has been lost or is not finished processing. I was once again told to resubmit my SAVE application and it would take 10 business days to process. Seeing as I can't afford the standard repayment, I asked if the administrative forbearance be extended through XXXX to give the application time to be processed. The rep told me they could only put me on a " processing forbearance '' through XXXX and it would NOT count towards PSLF. 

Attached is the screenshot depicting the now XXXX IDR applications I have submitted for SAVE. 

At this point it is taking almost 5 months to try to get on the income driven repayment plan that I have been told to be put on. Now my forbearance will not count towards my PSLF thanks to the incompetence of Mohela. It is unacceptable to still be dealing with this and Mohela needs to be held accountable by the Department of Education and the federal government for misleading loan borrowers and losing their applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on XXXX And XXXX. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX p : ( XXXX ) XXXX These folks keep contacting me via text, phone, leaving voicemails multiple times. I have no idea what they are calling for nor have I received and letter communication from them. 

Now they have resorted to calling my XXXX XXXX XXXX son several times times XX/XX/year> and XX/XX/year> They contacted my mother twice today XX/XX/year> and went as far as leaving a voicemail stating if she didnt call back today they were going to contact my employer and do an employment verification. Said this is a communication from a debt collector attempting to collect a debt. This was left on my mothers voicemail whom I dont even speak to, nor does she live in my home.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX XXXXXXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Debt collection

XX/XX/2020 I made a complaint XXXX to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting a collection account on my credit report with  XXXX . this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX  This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with   XXXX   twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on   XXXX   XXXX   then spoke to another representative from  XXXX   XXXX  on   XXXX   who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  XXXX .
Product: Credit card

I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the " Terms and Conditions, '' at the bottom of the page, and then scrolling down through the " Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Bank of America, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me, but I have not been contacted.
Product: Credit card or prepaid card

I am an American Express Credit Card holder and have recently experienced a troubling and deceptive practices by this vendor. For example, I recently paid my account in full for XXXX statement ( closing date XX/XX/XXXX ) before the due date of XX/XX/XXXX. Per the credit card statement disclosure in my XXXX statement, it states : Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance ( or, if you have a plan outstanding, your balance adjusted for plans ) by the due date. 

I paid off the entire outstanding balance in XXXX and before the due date, therefore why did I accrue interest? American Express was able to waive the interest under a one-time courtesy, however as a consumer I was compelled to raise my hand after seeing the printed disclosure reflected on my statement and via the CFBP website. The American Express online billing allows a consumer to pay minimum payment, statement balance, total balance and other amount. I was told by American Express if I wanted to avoid interest charges, I would need to call customer service for them to generate a payoff balance and make a payment with the representative. Again, very deceptive practices, given my choice was to select total balance in full and I was still charged interest. All the options to pay off a balance via their online application, neither of the options calculate an actual payoff balance. This information again is not stated on their disclaimer, on how to truly avoid interest. One must call and speak to an agent. 

Account # XXXX XXXX XXXX