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

As of Friday morning XXXX XXXX. Im so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a 1099-C either for my to claim this on my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights, 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

XXXX XX/XX/XXXX I was approved for the Credit Protection payment by Continental Finance Company , LLC for job loss. The agreement is they would pay my payments for six months. I never received the letter but contacted XXXX then XXXX XXXX, Supervisor for Continental Finance Company , LLC called in XXXX. He sent me the information and said I should receive a continuation letter every month with a copy of an application to show I am looking for a job. I told him I never received this information however I received other communication from Continental Finance Company , LLC. I dont believe Continental Finance Company , LLC Sent me the continuation form for XXXX. I immediately completed the form and provided the proof and faxed and emailed it to Continental Finance Company , LLC. I looked at my account and it showed the payment was not applied. I called XXXX XXXX again a few days later and he said he was expediting my payment. I now received a bill that a late fee of {$30.00} was applied for an issue was not mine. Also, I have not received my XXXX continuation Continental Finance Company , LLC form and called and emailed XXXX XXXX about this matter on XX/XX/XXXX. It is fraudulent for Continental Finance Company , LLC to not send letters of continuation only for Continental Finance Company , LLC to not pay the credit protection I qualify for and then on top charge late fees. I requested my consumer protection payment to be applied as I qualify for it and to have a late fee removed as it is not my fault if my protection payment plan is in place to be charged a late fee when I didnt get a continuation form. I also want my continuation form for every month and recently XXXX sent to me and not be penalized for it.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA you are expected to delete these items. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've observed that my consumer reports contain illegal unauthorized accounts. This reporting agency has integrated this erroneous data despite my repeated warnings. The FCRA 's requirements have been consistently disregarded by this agency.
Product: Credit reporting or other personal consumer reports

XXXX is being prejudice. XXXX is hiding XXXX XXXX XXXX  from my credit report.in attempt to stop me from filing a dispute deny me the right to file a new dispute old report # XXXX XXXX XXXX. XXXX is being prejudice by not updating my credit report. XXXX has been treating me unfair by looking at my supporting evidence that supports my dispute. XXXX has been prejudice against me by allowing illegal credit score dropping as well and harshly. for example, XXXX  chime closed my acct due to their error ( chime error ) submitted letter of error to XXXX they XXXX drop my score XXXX points for a " safe '' credit building card. that i put my money in. XXXX  allowed a transaction to go through on a canceled credit building card that was canceled due to fraud. XXXX  punished me because they messed punished me for their noncompliance after many XXXX  XXXX  policy was its our money its a safe secured card it won't affect my credit but then they closed me out unfairly and XXXX backed them up and despite the facts and evidence letter from chime stating the error was on XXXX behave XXXX refused to restore my XXXX point that were unfairly dropped..
Product: Mortgage

Requested to reverse a forced deferment/forebearance made during XXXX. My account was transferred to another XXXX XXXXXXXX without notice. 
I did not miss a single payment under the previous policy before it was changed. 
I did not need a deferment or forebearance.
Product: Money transfer, virtual currency, or money service

I made multiple cash app accounts using my email or phone number. I deleted some as I didnt use it after a while, and multiple because I was robbed and also had my phone taken and money sent a separate time, as well as scammed etc. Cash App never helped get my money back and after a while I would delete accounts and open if I needed to purchase something from XXXX and then delete as I didnt like the service. 

A class action was filed and I was emailed with a notice ID and confirmation code, which means they have my information tied to cash app and knew I was one of the ones Cash App messed over. I am trying to file my claim but they ask for all of the cash tags involved in the lawsuit. I dont know what they are and cant access them as the accounts are closed. 

Ive reached out to Cash App via phone, email, support form, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They repeatedly tell me to fill a form to verify my identity, but the form requires me to include things I physically can not do because I dont have a cash app account anymore due to fraud. It forces me to add a bank account linked to Cash App, to post the 2 most recent transactions on Cash App, and to provide a Cash Tag - I can or provide a linked bank account because I DO NOT HAVE A CASH APP ACCOUNT, and nor do I have any transactions recently or a cash tag for the same reasons. They kept repeatedly telling me to fill the form for help, when I repeatedly and explicitly told them that the reason I was contacting them was to receive my old Cash Tags linked to the email and/or phone number I used. I provided them with the email, number, and my name, yet they kept trying to gaslight me and tell me they cant help me if I dont fill the form and that they are trying to cooperate but Im being difficult. I AM REACHING OUT TO THEM TO GIVE ME MY OLD CASH TAGS, YET THEY ARR ASKING ME FOT A CASH TAG TO BE ABLE TO GET MY CASH TAGS!!! That makes NO SENSE. They know I dont have an account right now due to fraud and wont give me my old cash tags. 

I know they have that information because cash app doesnt let you fully delete an account. They let you close it, which deactivates the associated Cash Tag and unlinks all cards and banks etc. they keep the email and phone number and name, plus associated data linked to the cash tag that was deactivated. Infact the deactivated cash tag can never be re used by anyone. They know all of this and know which deactivated cash tags were linked to my email and phone number, and there are multiple. 

They didnt help me get my money when I was robbed, defrauded and scammed different times, and now wont let me get my cash tags linked to my phone number and email to be able to participate in the lawsuit where a judge ruled against them and I AM OWED MONEY - THEY ALREADY MESSED ME UP AND NOW WONT LET ME GET YHE MONEY A JUDGE SAID I AM OWED. The lawsuit company emailed me the suit with my own id and code, and they somehow had the knowledge of this yet Cash App cant provide me with my multiple old cash tags.
Product: Mortgage

I refinanced my home in XX/XX/XXXX. When my new loan was set up the mortgage company estimated my property taxes too low. I was not made aware of this problem until XX/XX/XXXX when I received an email saying that I needed to review my escrow statement. When I reviewed this statement, it said that I have to pay {$25000.00} by XX/XX/XXXX or my monthly payment ( which is currently about {$1700.00} ) will go up to {$4000.00} a month. The letter also states that if I do pay the full amount of {$25000.00} my monthly payment will still increase to {$2700.00} a month. The reason I refinanced was to get a lower interest rate and lower my monthly payment. My current lender is Wells Fargo. 

My property taxes for the past three years are as follows : XXXX - {$4100.00} XXXX - {$11000.00} XXXX - {$6600.00} Since XX/XX/XXXX, when I made my first payment to Wells Fargo, I have paid {$500.00} every month towards escrow, over {$700.00} in interest and about $ XXXX in principal. 

I do not understand why or how this has happened. 

I called Wells Fargo and spoke to three different people. They said I should call XXXX XXXX about my property taxes and the only thing they could do is refinance my loan at a higher interest rate to cover the amount owed on escrow. 

I am afraid I will lose my home. I have no way of paying the {$25000.00} and can not afford the increase in my monthly mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy XXXX XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has XXXX accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # : XXXX XXXX XXXX : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

-15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 XXXX years. 

XXXX15 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military service, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I wrote to equifax regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you
Product: Credit card

I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated.
Product: Vehicle loan or lease

The vehicle was purchased on XX/XX/XXXX. On XX/XX/XXXX i received a call in regards to the late payment and after discussion with the agent, I decided to voluntarily surrender the car. I was given instruction on what steps to follow to do so. On XX/XX/XXXX, I forwarded the email as instructed to the loan representative. I continued to receive harassing phone calls and email from XXXX XXXX. On XX/XX/XXXX, i was informed I could not send a typed email and the request would need to written, in which I then wrote and attached a letter asking that the vehicle be picked up. I continued to receive harassing phone calls and emails during the month of XX/XX/XXXX into XX/XX/XXXX. The vehicle was picked up on XX/XX/XXXX. On XX/XX/XXXX, I received a certified letter stating the car was picked up due to the agreement being broken and it would be sold withing 21 days in which I would receive a letter regarding the balance. This has not happened. I filed a complaint with XXXX on XX/XX/XXXX in which the XXXX XXXX acknowledges it was a XXXX  and that the credit agencies have not been notified, but as of XX/XX/XXXX, the credit bureaus still was not notified of the XXXX  and the account currently reflects 180 days late. I also have not received any notification regarding the sell of the vehicle and corrected balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My name is XXXX and I reporting BANK OF AMERICA XXXX, TX XXXX do to false credit report. I called the customer service on XX/XX/XXXX requesting to remove the incorrect information in my credit report from dates XX/XX/XXXX and XX/XX/XXXX by XXXX of over of credit limit the representative responsed that was n't possible to remove it in which I believed is unfair since my credit score decrease by a XXXX points. I will like this agency to take matter since, I consider that many other people like myself are in the same situation. If you need any further information please contact me at my e-mail XXXX or my mobil XXXX. Thank you Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. When I reviewed my report as I usually do, these discrepancies appeared unexpectedly. I even refreshed my browser, hoping it was a technical issue, but the inquiries remained. This has caused me great frustration, and I am requesting that the documents I provided be thoroughly reviewed to resolve this matter and ensure it never happens again.
Product: Credit card

I recently received a credit card in the mail for which I did n't request. I know that this is a scam in that my name was printed twice on the card. XXXX with my middle initial. I contacted the company XXXX XXXX and they would not provide any information about the company, how they acquired my information, etc. I told them I wanted the specifics on this card and the representative would not provide any details. I informed them I would contact the FTC and they said " go for it '' as if they were above any laws. Their website is very vague and does n't provide any company information, just a page to enter credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Transunion asking them how they verify an alleged bankruptcy case thats showing on my credit report. They always respond with they verified through courthouse which I called them and wrote to courthouse they said they never report to a any bankruptcy courthouse. So Transunion is lying and stating incorrect information on my credit report.
Product: Credit card or prepaid card

Kohls Credit cards offer auto pay but instead of allowing you to make any w of payment they only off statement balance or minimum payment due. If you only pay the minimum payment due your accruing interest at almost the same amount as your payment. Ive called kohls credit service multiple times and theyve assured me that i can set it to a certain amount monthly just not on the mobile app. I was instructed to go to their website on a computer as the browsers are said to be different. They are not and there are no other options for payment. I feel this is a violation and I was lied to by multiple employees. All I would like to do is pay a set amount every month so that i can pay it off quicker and avoid paying so much in interest.
Product: Credit reporting or other personal consumer reports

the following items need to be removed from my credit file reviewing my report now I see these items and they are not my accounts and should be removed besides. 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. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the following items need to be removed please ; Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX The following addresses is not mines and the employers information is not correct please remove. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my file by removing the following items above they are incorrect
Product: Credit reporting or other personal consumer reports

I need your help fixing this wrong account that's been placed on my credit report. It's damaging my image, and I shouldn't be left begging for your help. Your mishandling has wrecked my credibility. You have to get rid of this false information immediately.
Product: Debt collection

They are calling all my family members everyday. They are also tells them that they are law enforcement and saying they are gon na take legal court action and even XXXX They are telling my family that they are gon na go to their houses and then to my job. They call everyday harassing. My family blocks them and they still keep calling
Product: Debt collection

i had to choose one of the above -- the agent did not use obscene or profane language -- just tried to use intimidation tactics- when she was asked for documentation of the underlying debt- see below I was authorized by my mother to try and settle this debt-my mother did n't remember ever getting the att alarm service this stem from- as she has had XXXX since XXXX when i asked to verify the debt XXXX at sunrise debt- said that if she gives me that information- her settlement offer will be off the table and the full amount would be due- and that she would make a note that i refused to pay the debt. i am not even the debtor- my mother is.. then i asked for a supervisor - she said she had none- i got a bit upset- may have taken a bad tone and it took much work to finally get her to let me speak to XXXX- her manager- i explained to XXXX- that her age XXXX threatened to not settle the debt -- just because I asked for something that i was legally entitled to .... the phone number for sunrise is XXXX
Product: Credit reporting or other personal consumer reports

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mineXX/XX/XXXX Balance : {$0.00}.