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

Yet again I tried to access my account. It wouldn't let me sign in. I used their verification process entering my social security twice and my last name. It wouldn't process the information and kept clearing the screen and not continuing. Tried chat and they did nothing. Transunion continually locks me and others out and refuses to let us get our credit reports on a regular basis. The one time I got in they had weird stuff on my account which I reported and nothing was done about. I am attaching a copy of it and request that you stop them from continually locking people out for no reason, and then when they enter their information as verification refuse to process it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt or credit management

I was told that after the account was closed, I would be able to request a deletion letter be sent directly to me by email and that it would arrive shortly after it is requested. I have been told different things by XXXX or XXXX different people within the company including supervisory staff. It doesn't seem like this company actually wants to work with people and resolve problems, they just make it harder to do business with them and then not keep up to promises made by the company. All I need is a deletion letter to be emailed to me ASAP so that I can get this off my credit report. It shouldn't take XXXX hours for a letter that has already been generated to be emailed to me. 

The problem is that you get told different things by different people and it just doesn't seem like they really care to uphold their end of the deal and instead punish you by telling you everything is going to take an additional XXXX hours. Absolutely nothing with them is standard and you can seem to get the information that they have promised you would be able to get after you resolve a debt with them. 

The only good thing about this is that I recorded the calls on my end as well so that I can prove what I've been told by them.
Product: Credit reporting or other personal consumer reports

Today, I saw unauthorized inquiries on my credit report, and I dont understand how they appeared. I regularly check my report, and this is the first time Ive seen such discrepancies. Refreshing my browser didnt help ; the issue remains. This situation is extremely stressful, and I need this fixed immediately. Please review the documents I've provided so I can move forward without worry.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.
Product: Vehicle loan or lease

After a detailed review of my recent credit report, I've identified several accounts that appear to be inaccurate and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received two alerts regarding XXXX XXXX XXXX and was unable to retrieve additional information that adversely affects my credit for employment. 

On XX/XX/XXXX I received a notice from XXXX of two major derogatory reporting a court to find XXXX XXXX XXXX named themselves as a court on my credit file, filing an erroneous rating and comments using the Court system to reduce scores since XX/XX/XXXX and to cause more damage. In result of every dispute, Equifax allows Creditor to continue adding conflicting balances, status, etc 2 to 3 times a month like a system after receiving a dispute XX/XX/XXXX favoring a Creditor word or mouth over a consumer discovery as sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two identity theft FTC case numbers XXXX and XXXX. 
I have sent Equifax original report on or around the date of XX/XX/2018 and I also sent very strong supporting documentation between the dates of XX/XX/2018 - XX/XX/2018. I know Equifax received all documentation because I sent it certified mail and USPS has confirmed its delivery. According to FCRA/ FTC a fraudulent account must be blocked in 4days by CRA XXXX Both XXXX and XXXX have blocked these accounts immediately. Equifax continues to break the rules and not abide by the rules of the U.S. government. You would think a company that leaked millions of peoples identities would have tried to fix its consumers relationship but I see there deceptive practices continue on. Remove this information immediately I have reports attached with rules of law and regulations of identity theft please review immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( BC SERVICES AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid,  but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.
Product: Credit card

I had a credit account with citi and someone used my card and had a payment on my card. I filed the dispute aganist that payment and it the only payment on my card. The investigation was undergoing and they reported the late payments on to my credit report and marked and it hurted my credit so bad. All my major credit companies are closing my account. My account was paid full by bank after finding out the dispute and they took off all the charges and I had XXXX amount one me but they closed my account and still have the late payments on my credit. I have no idea where to go and fix. I never had any late payments on my credit.
Product: Checking or savings account

Canceled my gym membership in person at the beginning of XX/XX/XXXX. I was continues to be billed through XX/XX/XXXX for XXXX a month for XXXX  months after I canceled. I requested a refund from the gym. They refused. 

On XX/XX/XXXX I filed XXXX claims with Bank of America against the XXXX unauthorized charges. 

I was advised by XXXX at Bank of America I would receive temporary credit for the XXXX transactions on XX/XX/XXXX. I only received XXXX temporary credit of {$49.00} on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was advised to call claims department during business hours. I called Bank of America on XX/XX/XXXX spoke to the claims department who told me I needed to call the fraud department to inquire about my temporary credit for the unauthorized charges. My claim has nothing to do with fraud. I called Bank of America customer service and spoke to XXXX ( consumer deposit supervisor XXXX ). She advised me to call claims department as they would be the only ones to answer my questions. 

On XX/XX/XXXX I called Bank of America claims and was given conflicting information I was told it takes XXXX business days and then was told it takes XXXX business days by the same claims agent. 

All through this process Bank of America has given me conflicting information regarding my temporary credit. 

I have filed previous claims and was given a temporary credit the following day. 

I have previously been the victim of fraud and Bank of America has refused to return my money that I was defrauded of. 

I want my temporary credit for the charges I did not authorized.
Product: Debt collection

I am writing to express my deep concern and to formally complain about the continued correspondence and attempts to collect a debt from me, despite my previous communication explicitly requesting a cease and desist from such actions. This letter serves as a formal reminder of my rights and your obligations under the law, particularly in light of the fact that Jefferson Capital is not incorporated in California and is therefore operating without legal standing in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX XXXX XXXX, XX/XX/2023 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that the consumer reporting agencies exercise their given responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer who has the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

This is in regards to a XXXX XXXX store promotion 1 year interest free with a due date by Synchrony Bank. 
The promotions was expired on XXXX of XXXX. Unfortunate in XXXX XXXX we ware hit by hurricane XXXX devastated ou city XXXX XXXX Fl and other city near by. we ware with no power and water for weeks could not work and had damages. i called and asked for a extension on the promotion they agreed and i paid on time as agreed. down bellow you ill see promotion details and payments. 

XXXX {$3400.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$740.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$480.00} XX/XX/XXXX Deferred Interest/No Interest If Paid In Full By XX/XX/XXXX XXXX Full Payment of ( {$4400.00} ) The Total for all 3 Promotions was made on XX/XX/XXXX. 

a third promotion : Promotional Expiration XX/XX/XXXX Promotional Balance {$720.00} Deferred Interest Charge {$470.00} ( if not paid in full by XX/XX/XXXX Tran Date Description Initial Purchase Amount XXXX XX/XX/XXXX {$720.00} {$470.00} XX/XX/XXXX Deferred Interest/No Interest If Paid by XX/XX/XXXX according to all statement as far as i'm concern i complied to my commitments and my balance on this account should {$0.00} Every month since then i have being getting text messages emails and mailing trying to collect the interest. and every month i call and after 40 to 50 minutes of evaluation they come with the conclusion that my balance should be {$0.00} and will show on the next month statement. that never happened until today. Im hoping your org can help me as i fell i cant do anything else by my self. I have a very good credit score and its not fair if this affect my scores. I feel stressed and harassed every for 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out by letter and by phone to Experian to update personal information, on my credit file, so far they have not complied, the address they have listed are and out dated, and I fear my identity has been compromised because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX - BALANCE {$4600.00} DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX, XXXX Account Name : XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX - BALANCE {$890.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

On XX/XX/2015 I desperately requested for CFPB to please listen to my complaint and give me a resolution.. I am now again desperate and frustrated and after providing six or seven financial packages, I am now desperate. 
I now do not qualify for I can no longer use my wife as a contributor. We are legally married. However she is not on the mortgage or the deed. My wife has always contributed. We purchase this home together for our children. 
I began to default on our mortgage when she was injured and was not able to work. I lost her income then an now again for Chase FHA guidelines no longer accepts a contributor on the loan. She i s my legal wife. She i s now on social security XXXX .. This is my primary residence.. I want to preserve my home. I want to make payments. 
Chase has taken their time in providing a resolution and I am now incurring a larger balance besides the fact that my home does not appraise. .I also had to hire an attorney to expedite the process. 
I have appeal various times this loan. What else could I have done to maintain my home. 
My wife now has social security income and I work full time. Please I want Chase to provide me a work out plan that i s affordable..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX XXXX sent a letter that my car loan would be extended until the parts needed to repair the car were received. ( Know XXXX XXXX XXXX and Honda Financial Services both acknowledge that these parts have no date of arrival ) On XX/XX/XXXX and XX/XX/XXXX I was told verbally that I should call every month that I don't have the car and let them know to extend the loan for that month. They said that I was approved for this extension without additional fees or impact on my credit rating/report. 

Every month I have been getting threatening letters to pay the loan in spite of this agreement -noting they will affect my credit. I called Honda Fin'l customer service every time I received these letters and am told " don't worry, it's been approved ''. 

On XX/XX/XXXX I suddenly received a letter that the loan will NOT be extended beyond XXXX and XXXX with full payments starting in XXXX inclusive of XXXX and XXXX interest. 

I spoke, at length, with " XXXX '' in Honda Financial who said that's the best he " can offer '' and he made it clear there was nothing he could do to stand by the original agreement of extending the loan until XXXX can get the car part to the repair shop and I can drive my car. 

Any help in this matter is greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

so, over the years I've used cash app, i always borrow money and repay the loan and borrow it again, its what I've always done since cashapp provided that option. on XX/XX/XXXX i borrowed {$300.00}. with XXXX XXXX flat fee, with my account on auto pay to pay all at once, on XX/XX/XXXX in a timely manner i repaid my borrow back {$310.00} at XXXX with a transaction ID : XXXX. my payment was completed. the following days XX/XX/XXXX or XXXX, i notice my overdraft was covering my purchases when i looked into my account i see that I'm OVERDUE on my borrow loan. so i go to cash app support and ask them, they said they will report it that's it. i call cash app they said they are unable to speak about it over the phone like its a big secret mission. to wait for an email. on XX/XX/XXXX i get an email from cash app and says hi felicai itlooks like youre overdue on your borrow please pay it back to avoid fees, i respond back to the email thats obviosuly but i paid so why is it saying that, i get email after email we are escalating this. but no one has called, emailed, resolved or helped. it caused all my pay over time to be late, i had to switch banks for my deposits since i no longer trust them,