23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

InXX/XX/XXXX we contacted them in regards to Covid as we were not sure what our financial situation would be. The gentlemen told me to call back after we were late. I called them back the day after our payment was due. 
I was " told '' that we would be put on a COVID Hardship program. They told us that that we would still accrue interest and that we would have to sign up for automatic payments. We were also told that the late fee that we were charged would be removed since we were entering into this program. 
We were enrolled in auto pay and I hadn't gone on our account since this started. Then last week I received a text letting me know that our payment was late. As we were curious on why or how this could happen because we were on auto pay ; I logged in to our account and found even more interesting information which made us extremely angry. 
I contacted their customer service line and was transferred to a department that could help me. This gentlemen told me that they shouldn't have put me on this program and that this was not correct. We were only credited {$15.00} for the first month that they told us to be late for and told us they would credit that late fee. Then we had been charged a late fee for each and every month from that point forward until now. I asked for them to explain this to me as they were the ones withdrawing our money from our account before the due date. I was told it was because we were paying less than the minimum amount. This is also incorrect. Our minimum payment is {$120.00} and we were paying {$130.00}. We would have been better to have just been late a month while we figured things out with being furloughed due to Covid. This man said that the person helping us should have told us ; which they did not. He said he would transfer me to another department to get me on the correct plan. 
I was transferred and right away the man on the other end said, " I can't help you, you will have to have your husband call back. '' I told him that my husband had already called in and had already told them they could speak with me and that I had full authority for decisions on this account. He said, nope, it doesn't affect your credit and I can't speak with you. I said, yes it does it appears on my credit as well. He continued to argue with me and told me that I was only frustrated because I didn't know the law. I laughed and told him he was rude. He said no I was just frustrated and he wasn't rude. 
In the end, this man was rude. Little does he know, I most likely know more about law than he does, I am also a double XXXX XXXX XXXX holder and I have enough knowledge to have made him feel incompetent but I felt that this was a position of power for him and he was trying to hold that over me. 
I refuse to deal with people that think and act like a bully over a telephone line. 
In the end I think this practice is unethical. I think that if someone is trying to get help and needs help and the company has programs set up for such ; that they should help them and work with them. Especially during these uncertain times. We weren't in this position because of anything that was our fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On XXXX, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX  isnt reporting any payment information with Transunion. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.
Product: Credit reporting or other personal consumer reports

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed accounts must be deleted .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Well Ive been making my payments as I have for the last XXXX  years and they are not showing my payments. They have been sending me past due notices even though I have documentation that they have cashed my checks. Ive spent hours waiting to get a person on the phone and when I do I get the run around.
Product: Student loan

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account # XXXX, has violated 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 XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank. 
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}. 

The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid. 
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily. 

The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}. 

Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the laws and guidelines under Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 16810 C-2 have not been followed. On several occasions I have requested proof that there was a commitment from myself to XXXX XXXX XXXX. Transunion has not complied ; transunion simply sends credit reports saying that the account was verified. Both XXXX and XXXX, have since deleted the account. To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to original creditor to ensure a proper investigation of my dispute. Transunion has not. Please follow the protocol, or delete creditor from my credit report immediately. As well as these fraudulent inquiries, that are disclosed on my Federal Trade Commission identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receiving two credit card charges every month from Experian for more than a year. We have engaged Experian more than half a dozen times to get resolved, and while doing so we found out from a supervisor that there are actually " two '' Experian divisions billing us. Per that supervisor ( from the division that actually answers their support phone line ), they can't help us with the " other '' division that is erroneously billing us - and that " other '' division won't answer their phone even when numbers are provided to us by the " responsive '' division. We are officially at a dead end and now we are disputing the erroneously billing each month with our bank - but the charges keep coming and we keep disputing.
Product: Credit card or prepaid card

The apple card does not provide a bill or account information, making it nearly impossible to pay the bill if not done through an apple iphone. I called and requested a paper copy of the bill since I'm not able to access any information. The paper bill has not mailing address, and no information about my account, so I'm still not able to make a payment from my bank or set up automatic payments from my bank. 

Is this even legal? The only way to make payments for this card seems to be through an iphone device ( the wallet app ). I did not know this when signing up for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated but how is that possible if the open dates is inaccurate the date last active is inaccurate and date last reported is not accurate. The ground for removal and they also violated my right under 15 USC 1681 section 602 ( a ) states I have the right to privacy 15 USC 1681 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more then 30days days to complete my certificate mail tracking number Account number XXXX Because of stain on my report I have been living with people and unable to get my own home for years now I cant not get a car in my name denied on 4 different occasions and its not fair to be missing out on basic things you need to survive in today world.
Product: Debt collection

I Left service provider XXXX XXXX XXXX, I left within the 30 days I had right to cancel within 30 days for a full refund provided I also turned back in the phones. I had canceled before the 30 days, and now I am being charged an early termination fee. I also turned in all the cell phones back to this provider, and I am still being charged I was sent to collections. This is invalid.
Product: Vehicle loan or lease

In XX/XX/2016 I purchased a vehicle ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX Texas. I was then under a chapter XXXX bankruptcy and the court allowed me to obtain the vehicle through a loan from XXXX XXXX. It was my understanding that the vehicle would be reporting on my credit. For the following two years, the vehicle was reported on my credit as I was paying on time and without delay. The vehicle eventually fell off my credit report. The XXXX XXXX institution explained to me that they had done a review of their files/data base and my vehicle was no longer able to be shown under my credit report. I spoke to many customer service representatives to change this rule. The organization would not comply with my request due to the standing policy against having vehicles financed under chapter XXXX. I have since completed my chapter XXXX payments and the case has been discharged. The XXXX XXXX continues to not permit the vehicle to be shown on my credit report. I am now faced with the prospect of changing my loan to another organization so that my payments show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights.

Under 15 USC 1681 sec 602 : States i have rights to privacy.

Under 15 USC 1681 sec 604a sec 2 : States a consumer reporting agency can not furnish any information without my written consent.

Under 15 USC 1666b : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

THE FOLLOWING ACCOUNT FROM XXXX  XXXXXXXX  ACCOUNT NO. XXXX SHOWED THAT I WAS LATE 30 DAYS IN XX/XX/2021 WHICH IS IN ACCURATE.
Product: Mortgage

I am facing some difficulty requesting information from my mortgage servicer ( s ) : XXXX ( XXXX  XXXX, VA, XXXX ) and Loancare ( XXXX XXXX XXXX, CA, XXXX ). I have submitted at least two mortgage payoff statement requests to my mortgage servicer with varying good through dates that have consequently expired and have still not received any payoff letters ( both times I have requested an email delivery of the payoff statement ). I am approaching my next payment due date according to the most recent statement I received from the mortgage servicer and I am concerned that if they fail to provide adequate details as to the amount I owe and the process of submitting my final payment ( certified funds according to their telephone customer service representative I spoke with ) I will subsequently accrue additional interest and late fee penalties as well as incur a negative mark on my credit history. I submitted my first request through their online customer portal on XX/XX/2021 which had a good through date of XX/XX/2021. I sent an inquiry through their online messaging service on XX/XX/2021 about not having received a payoff letter and did not receive any response addressing my issue. I spoke with a representative on XX/XX/2021 about the status of my mortgage and why I could not submit my payment through my escrow account to which she indicated that I would need to request a payoff statement letter and submit the funds either by certified check or through a wire transfer per the instructions that would be provided in the payoff letter. I asked her would it be possible to receive a payoff letter before XX/XX/2021 if my intentions were to select said date as my good through date to which she confirmed it would be possible and that I could expect to receive the payoff letter no later than XX/XX/2021. I proceeded with my request as detailed and I have still not received the payoff letter as of XX/XX/2021. I am concerned that I will continue to face issues with obtaining a payoff letter from my mortgage servicer making it impossible for me to submit final payment due to their lack of providing the amount and final payment process details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX
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, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : 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 {$0.00} XX/XX/XXXX XXXX  XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Closed XX/XX/year> {$920.00} My information may have been impacted by the Equifax and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Debt collection

XXXX  from  XXXX   XXXX   XXXX  in the amount of {$1000.00} was place on my credit file as a derogatory item. Spoke with  XXXX   XXXX  today at  XXXX  EST and they have admitted the error due to filing the claim with an incorrect policy ID prefix. They state th at 3 notices  were sent to my current address ; however I have no record of them.  XXXX  has also stated that although this was their error, and the claim will be submitted and paid, that it will not be removed from my credit report. This derogatory item has deducted several points from my FICO score.
Product: Credit card or prepaid card

XXXX I have had the same account and card from XXXX for the passed 19 months I have not gotton a bill or and email bill from them in the mail. I report it to then 19 months ago my home was robbed and id stolen but they still have me with my name using this card the only way I know is the bill is getting paid through my checking account which I told my bank and had a police man came to the home to report it then! they have sent me pre approved increase amount and they have said no because my balance is to high they sent me filyers in the mail saying I have discounts and rewards to use. how can I when the amount on the card is maxed out and someone still using my old card and got adublicate card. an XXXX refused to listen or do anything about it. I paying someone to use my card and they stole it and my bank number. people should not have to pay a bill if they never get a bill on paper or a bill from email. the card says vaild through XXXX XXXX needs to repay me all the money back that I have paid and have a XXXX  balance on my account. then they have the gull to send pre approved letters every six months with a date to take it. like I said above. then when I do they say the limit is to much or I have not called
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is reporting a collection on my credit file that needs to be removed. I have been disputing an account with them through the bureaus but they continue to report negatively on my credit file. I settled this account a very long time ago as I did not know about this collection. However, they continue to negatively affect me from being able to finance my home. I ask that LVNV Funding remove the collection from my file since it has been satisfied. I am aware they report to the bureaus as they deem fit because they are the furnisher. Please remove accordingly or I will continue to exercise whatever rights and remedies we have under the law to enforce this removal not excluding legal suite .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, which I have previously stated, somebody's account is on my credit report
Product: Credit reporting or other personal consumer reports

there is incorrect personal information listed on my credit report and unauthorized inquires as well. I do not have any accounts open for the dates of the inquires reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This my follow-up complaint about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A copy of the email I sent to Money Source and as of this writing, I have not received a response. 
Is it legal to add more $ $ $ to the property tax for escrow when the property tax did not go up and the amount was correct on the final docs? When prior to refinance all the amounts were correct but after refinance the amount is not correct. My property taxes are {$4500.00} for the year. 

Spoke to a representative on the XXXX XXXX, 2016 who said the amount will be adjusted to reflect the correct amount of property taxes being for escrow. When called today the representative stated someone overrode it. 
I refinance in XXXX 2016 with the same company, TheMoneySource. 
Below reflects prior to XXXX 2016 and now : 3.875 %. 3.25 % Principal {$580.00}. {$570.00} Interest. {$1100.00} {$950.00} Escrow. {$660.00}. {$890.00} Total. {$2300.00}. {$2400.00} Final docs : See attached few pictures There are XXXX pages with different figures for the estimate which I asked the notary and since the correct amounts were on other forms of the documents she figure it was a mistake Ridiculous. Instead of more money going to principal someone added it towards my escrow ( taxes and insurance ) and my taxes did not go up. I 'm paying more
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file.