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

The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion said they couldnt see inquirys on my report are they crazy i see 13 of them look at credit report under inquirys there on there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE ASKED TRANS UNION TO CORRECT MANY MANY ERRORS IN MY CREDIT REPORT. AFTER THAT I NEVER GOT A RESPONSE. SO I ASKED TO SEND ME THE CORRECTED REPORT. THEN ASKED MY ALL KIND OF DOCUMENTS TO HARASS ME. I SENT THOSE DOCUMENTS ( DMV AND BILL ) NOTARIZED. TRANS UNION WANTS SAME AGAIN AND AGAIN. AT SOME POINT I WANT TRANS UNION TO STOP HARASSING ME TO GET A CORRECTED CREDIT REPORT. TRANS UNION NEVER SENDS CREDIT REPORT WITHOUT HARASSING ME FIVE TO SIX TIMES. I AM SICK AND TIRED OF THIS HARASSMENT - THERE IS NO REASON FOR ME TO NOT TO GET A CORRECTED REPORT, AFTER DISPUTED VARIOUS ELEMENTS IN THE CREDIT REPORT.
Product: Checking or savings account

I was noticed that a new checking account was opened with the bank I currently use. I received a new debit card in the mail, to my current address, but not the address that I have on my account. I spoke with my bank and reported the fraud, but I am now unsure how they have obtained my information.
Product: Credit card or prepaid card

I was one of the victims of the Bank of America credit dard fraud. I have an email chain between myself and Bank of America, as well as phone conversations about a credit card that was opened in my name, and approved after I called BOA to state it was fraudulent.
Product: Debt collection

CARMAX AUTO FINANCE {$13000.00} XX/XX/year> THIS VEHICLE WAS PAID OFF IN FULL FROM XXXX XXXX XXXX AND IT'S STILL SHOWING ON MY CREDIT REPORT... IT'S PAST 7 YEARS AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT
Product: Credit card or prepaid card

I received a XXXX dollar Vanilla Visa gift card for XXXX  XXXX. In XXXX XXXX I finally got around to using it at my local gas station. The purchase was declined. It turns out the card was used without my knowledge. 
I immediately made contact with the company and started the dispute process. 

On XX/XX/XXXX. The card company wrote back to me via email and advised me that the dispute was being reviewed. 

On XX/XX/XXXX, I received an update via email that the investigation was complete. My request for a replacement card was denied. It turns out that they were unable to locate any problems. 

On XX/XX/XXXX, I contacted them via phone for further clarification, the operator informed me that my dispute was closed. I informed him that the card was used before I received it. For my record He refused to tell me the name of his supervisor, or his employee ID #. All he told me was that his name is, XXXX. 

XXXX, went on to inform me that I needed to contact the purchaser for some sort of receipt. I told him that it would be very difficult considering that we are experiencing a covid situation and I believe the purchaser lost his receipt. For the record, XXXX and co. never informed me to contact the purchaser when I first started the dispute process.
Product: Credit reporting or other personal consumer reports

On several occasions, I asked XXXX/TransUnion, to correct the matter. They have let XXXX XXXX, to falsely and fraudulently report false information to my consumer report. They have continued to let them destroy my credit, cause me sleepless nights, and other hardships by reporting 120 days late when in fact I have a document and proof that they received {$20000.00} on XX/XX/XXXX, {$4600.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Today 's date is XX/XX/XXXX, with 3 months of consecutive payments it's impossible for me to be 120 days late!
Product: Checking or savings account

I was scammed. On XX/XX/22, I received a phone call from XXXX, claiming they were the fraud dept at Bank of texas. They wanted to know if I authorized a XXXX payment of {$500.00}. I said no. They reported the scam was done from a XXXX XXXX XXXX and would need my info to process the fraud. I googled the phone number and yes, it was from my bank ( Bank of Texas ). I gave them my sign on and password. I was sent via text ( XXXX ) a temp sign on and was told the temp password would be sent via email. I checked my email and saw several messages from Bank of Texas. When I opened one of them is said " XXXX XXXX was added to my contact list ''. This was concerning. I called the bank. They confirmed a XXXX payment of {$500.00} and I had been scammed. The bank then closed the account. I asked about the money and was told since I gave the sign on and password, I was out that money. I would not be able to recover is since it was to XXXX. All of this took place within a 15 minute window. I would like to know why I can't get my money back. Why couldn't the bank reverse the charges?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report XXXX  to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my XXXXXXXX  as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting or other personal consumer reports

XX/XX/year> SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The XXXX clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option XXXX : remove the following items reporting inaccurately below : XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts are reporting inaccurate please delete or pay fine of {$7000.00} per violation XXXX. Option XXXX : Initiate XXXX XXXX. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process XXXX entail substantial costs and fees including my filing fee, your filing fee, XXXX initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
XXXX. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Kindly delete the following addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed 30 days, i here by give you 15 more days to delete this inaccurate information off my credit file.
Product: Debt collection

I originally had phone service with XXXX and decided to go with XXXX XXXX XXXX. However, before doing that- I visited a XXXX store to make sure i didint owe an outstanding balance. I was advised by the representative that assisted me name XXXX that my account was all paid up and she assisted me in closing the account. 

About 2 in 1/2 months later I received a bill alleging I owed for a final bill that was past due?? I got XXXX on the phone and demanded to speak with a manager. XXXX apologized for the error and said the final bill had not come out at the time I visited the XXXX store. He said the account was being sent to collections and that I could pay him and it would be resolved. I also moved which explains why there was a delay in me receiving the final bill. 

That said, I paid the bill ... .. about a month or so after that Allied Collection placed the account on my credit. I contacted Allied Collection Agency and advised them that the account was already paid and requested they remove the debt from my credit. I also contacted XXXX and was told they would also request the account be removed. It has been several months and the account has not been deleted from my credit. However, Allied has now reported the account on my credit as PAID when I never paid them - I paid XXXX before it was in Allied system.
Product: Student loan

loan transfred from Great lakes ( they were good ) to Nel Net. i have called 3 times and have been on hold XXXX hours. First call, they answered in XXXX hours and whn i asked a question ( interest rate ) XXXX minutes latter i was still on hold. i hung up. Called the next business day. on hold for XXXX hours and then got recording asking for my evaluation of the represntative and then they hung up on me. Third call, on hold forever.
Product: Credit reporting or other personal consumer reports

BestBuy CBNA - The account is paid in full but was charged off. Before paying off the account, BestBuy CBNA agreed to remove the late payments from my credit report. From XX/XX/XXXX- XX/XX/XXXX the account was delinquent. The account reflects Paid in full but those delinquents have not been removed. Please remove as agreed upon.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX at the XXXX XXXX dealership [ XXXX XXXX XX/XX/XXXX XXXX -- XXXX, TX XXXX ]. I arrived at the dealership at around XXXX XXXX, but I was only able to leave the dealership with the new car at around XXXX XXXX. 
During the long negotiation with the sales person I was promised a certain car, with a set of accessories, for a certain price. Needless to say, I was very tired by the time I was invited to sign all the papers, and in fact I asked the financial agent there if any client had ever asked them to have the paperwork printed ( it's all digital now ) and read before signing them. The stated that only a very, very few do. 
Before I proceed, please notice that I had no interest in any of those accessories which supposedly came with the car ( for example, I did not receive a " certificate '' for the so called RESISTALL application ), but I was told that I would be given a discount to close the deal. Noted discount would essentially deduct the value amount of those unwanted accessories from the final price, bringing it back close to its MSRP figure. That sounded attractive, however the car color combination I chose wasn't readily available at that dealership, so it had to be brought in from another place -- which is what happened ( I have copies of the two different estimates -- both, however, amounting to around US {$27000.00} ). 
A few days later, while trying to register my new car in the Honda Financial Services website, the system would not recognize the vehicle VIN number, so I called the dealership. I was told that the contract was still being processed ( which is odd ). So I went back to the paperwork copies I had been provided that Friday late evening. To my surprise, the amounts were all out of place, out of sequence, and some items were MUCH different from what was agreed by me. The RESISTALL, for example, was offered ( more of an imposition, in fact ) at US {$490.00}, but it now showed as US {$1100.00} in the financing papers ). All the license fees were now IN ADDITION to the agreed total price, whereas they were included before, etc. Further, a new line " amount paid to other on your behalf = US {$420.00} '' showed in the final papers. Noted amount was not seen in the initial proposal ( which both parties had previously signed ). I contacted the dealership, but they only offered to refund me the " RESISTALL '' amount *difference* of US {$630.00}. However, besides all the time I've spent with this issue, all the grief, if I account for all the taxes, fees, and " amounts '', the total difference seems to be US {$1400.00} instead. Not to mention that said amount is now part of the financed total -- and I'll pay interest for it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am about to close on a house on XX/XX/2023. My lender is having issues pulling my Equifax to get my credit report. I tried calling customer services multiple times for the past month but customer service agents are saying they don't see any thing on wrong on there end. I even email customer service but haven't gotten a response. I try pulling my Equifax online also, I even tried getting my annual report but to no avail. I really need this issue to resolve ASAP. I already invested so much time and money on this house. I would hate to loose it for something that is not my fault.
Product: Checking or savings account

I will have money in account and some how my money will be gone and they charge me a overdraft fee which I explained to the customer service people I don't have a overdraft protection on my account so how is any payments going through if it's no money in account. They will process the payment take my money then try to reprocess the payment again which would put my account in overdraft.
Product: Debt collection

I HAVE SENT THIS COMPANY A DEBT VALIDATION LETTER ASKING THEM TO VALIDATE WITH A SIGNATURE OF MINE THAT PROVES I AM THE PERSON RESPONSIBLE FOR THIS DEBT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED BY SOMEONE ELSE FRAUDULENTLY. THEY HAVE NOT SENT ME ANYTHING THAT VALIDATES I AM INDEED THE PERSON RESPONSIBLE ALL THEY KEEP DOING IS FLAGGING THIS ACCOUNT TO ALL THE CREDIT BUREAUS AND THEY HAVE NOT PROVEN THAT I AM RESPONSIBLE. THE FTC SAYS THAT I HAVE THE RIGHT TO REQUEST VALIDATION NOT VERIFICATION OF THE INFORMATION THEY HAVE. I HAVE NOT RECEIVED ANYTHING. A BILL IS NOT VALIDATION AT ALL.THEY ARE RUINING MY CREDIT
Product: Credit reporting or other personal consumer reports

I sent the dispute below to Transunion, via Certified Mail, about a fraudulent XXXX XXXX account reporting on my credit file on XX/XX/year>. They have refused to complete a legitimate investigation with the documents that I submitted, along with blocking this info from my credit file. To Whom It May Concern : I am a victim of identity theft. The information listed below, which appears on my Transunion credit report, does not relate to any transactions 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. In support of this dispute, Ive enclosed the following documentation : A copy of my Identity Theft Report and proof of my identity. 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 XXXX 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: Debt collection

Oxygen Recovery Group is attempting to collect a debt that is not owed. The original creditor is XXXX XXXX, XXXX. They said the collection is for an early termination fee of {$990.00} plus fees. I never had a contract with them, so there is no way I terminated a contract early. I have asked for ( and not received ) written proof of this contract. They also said this occurred in XX/XX/XXXX, but the first Ive heard of it or received any information regarding it is the collection on my credit report as of XX/XX/XXXX.
Product: Mortgage

My wife and I refinanced our mortgage last to rid ourselves of Wells Fargo Bank and inserted an attachment to our escrow that Wells Fargo and/or their assigns were not to be the servicer of the loan. The reason was for illegal practices ; in our case forced insurance when we had already insured and closed with proof. They insisted we pay their insurance form regardless of not proving that the insurer was legal to do business in Hawaii. Wells Fargo was primarily instrumental in the sub-prime fiasco which up ended the economy and interrupted the incomes of both my wife and I which incomes qualified us for the mortgage. Subsequently we lost most of the incomes necessary to pay the mortgage on time and Wells Fargo came after the security for our mortgage ; our home. We went late because of their impropriety and fraudulent banking practicing and we able to keep the home because I as a former mortgage loan officer structured our mortgage to provide assurance. All of my attempts to seek mutual solution with the bank including using the U.S. Attorney General 's office fell by the way side and we are still stuck with Wells Fargo Mortgage. 
I have had difficulty with that bank since 1984 and while I was able then to severe the relationship I have not been able to do so yet. 
What I was seeking and continue to seek is severance and the cancellation of agreements with the bank including the current mortgage with forgiveness of debt which currently is less than the origination amount due to our principles of paying what we owe. 
We have not faulted or harmed Wells Fargo Bank/Mortgage yet will not be able to say we have been treated like such in return. 
To agree to a lending and payment contract while stating and demanding fulfillment of qualifications necessary for approval and then defeating those qualifications as the lender and not the borrower and then attempting to assume possession of the security is lender fraud which is against the law. We know that, all of us, and we know that we know it.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXX XX/XX/year>