23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I decided to refinance my Nissan XXXX 2018 to reduce the APR. The original loan was trough Nissan Motor Acceptance Corp with a 6.49 % annual. My bank XXXX XXXX XXXX XXXX approved me a new auto loan for 3.99 % annual so I requested their check ( {$19000.00} ) from a branch and sent it to Nissan. They received my check, cashed it out on XX/XX/XXXX but they did not apply that payment to my account. On XX/XX/XXXX they sent my account to collection and now they are trying to repossess my car. 
The best part is, Nissan already sent the title to XXXX XXXX!! That means that Nissan is trying to repossess a car that has another financial entity as a lienholder!!! 
I went to my bank and they provided me proof of the title and the check cashed out. 
I spent hours on the phone and they are not helping me at all and they don't stop calling, threatening me as a debtor and harassing!!
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 of complying 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 failed 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1900.00} This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have pocke, right to a completely accurate credit report, and you are required to remove any information that " is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all XXXX reporting standards and this account removed upon completion. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the blocking and deletion of several accounts on my credit report that are fraudulent and a result of identity theft due to a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report : Fraudulent Accounts : 1. XXXX  XXXX Bankruptcy - Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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

On XX/XX/2019, I received an email from Checkr ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) company stating : 'Hello XXXX, Attached is a copy of your background report. 
The company that initiated this background check has received a copy of the report as well. If you have any questions about your status with that company, please contact them directly. 
A Summary of Your Rights Under the Fair Credit Reporting Act is attached and can also be found here. 
Checkr will have no further updates for you, as your background check is now complete. 
Best regards, Checkr Inc https : //applicant.checkr.com " I do not remember giving consent to any company or anybody whether it is a credit card company, bank, business.. to initiate a credit or background check on me. 
I want to know who is the entity who asked for my background check without my consent, and I think I should know as a US citizen. 
sincerely XXXX
Product: Credit reporting or other personal consumer reports

Equifax blocked my dispute online and will not take my dispute on phone puts me on hold and never picks up
Product: Student loan

I had cosign for a {$20000.00} student loan for my step daughter, but the XXXX XXXX loan services add another {$84000.00} on my name which I never sign for and now they are forcing me to pay the full amount of the loan back which is {$100000.00}. 
or they will report it to the credit reporting agency that I was late, my credit is perfect and I 'm not willing to lose my credit just because this company adding all those loans to my account and I have never sign for it I do have all the loans documents that I had sign for. 
Is this the way to steal the public money? They better remove my name from the {$84000.00} now or I will take a legal action soon. I been talking to this company for a wile but they are not responding at all.
Product: Credit reporting or other personal consumer reports

Late payments are impacting my ability to reestablish credit and Ive maintained that online payment system is faulty. I couldnt afford to pay additional {$6.00} for phone assistance and the 2 late pays were beyond my control
Product: Credit card

Debit card doesn't work went to bank to fix problem lady tailor sent me over to atm she said it may be something wrong with the atm still didn't work someone's probably not activating card thanks
Product: Credit card

I am in the process of purchasing a home and when the bank ran my credit they informed me that I have a balance pending from a credit card from Bank of America and I have to pay it to be able to close the transaction.
Product: Debt collection

I do not have a contract with Credit Management LP and they are attempting to illegally collect a debt on behalf of XXXX. I have notified Credit Management LP that their records are inaccurate as XXXX has been paid and confirms a balance paid in full. These predators are trying to make me pay money I don't owe. I am pleading with you to remove this inaccurate item off all three of my report and to stop Credit Management LP from harassing me and to cease high jacking my credit. Their predatory practices have crippled my ability to apply for a best rate mortgage
Product: Vehicle loan or lease

We asked for help when my husband broke his foot and couldn't work, all of our creditors worked with us except Wells Fargo and they repoed our truck
Product: Debt collection

I have been receiving phone calls from Lewis , McDonnell & Associates claiming that I will be served court papers for an alleged civil case involving a very old, paid debt from a furniture store that has closed down. No lawyer has spoken to me regarding this alleged case, their proof of debt is in an email and refuse to send in a mailed letter with their address and the amount due. On the phone I have been belittled and been called " clueless '' regarding this case. Not only have they been bombarding me with calls, they have been calling other people involving my " debt '' telling them that they will be served if I do no respond or pay. They have recently added this collection on to my credit without proper written notification of alleged debt. These tactics are in violation of the Fair Debt Collection Practices Act and demand that something is done regarding this debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take step to remove my personal information
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT AND FRAUDULENT INQUIRES : DATE OPENED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

An XXXX  XXXX  XXXX  in XXXX XXXX FL overcharged my credit debit Visa card with Wells Fargo banking account. 
I immediately let the manager know that I was dissatisfied with the service and amount charged was incorrectly billed. 
This was supposed to be resolved. fast forward to Wells Fargo banking, I was issued a temp credit for {$190.00} Then it was taken away, then put on as a credit then taken away. I was told via email that the bank was on my side, bank tellers promised me credit will stay on and today {$190.00} was taken from my account again and I was told by Wells Fargo XXXX, that visa refused and bank is recharging me ; I feel cheated, lied to, and victimized by my bank and this unscrupulous vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion and XXXX  with no response to corrected addresses that do not belong to me on my credit report. 

Transunion is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  is reporting the following inaccurate addresses and names : XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a part of the XXXX Data Breach and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/year>, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/year>, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below are the incorrect inquires that must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENNYMAC LOAN SERVICES
Product: Debt collection

Credence Resource Management LLC Ive sent in debt validation letters XX/XX/2021 and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY
Product: Credit card

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I have the XXXX  app downloaded on my phone with all three bureaus as a subscription. I got alerted Thursday XX/XX/XXXX about an inquiry, honestly didn't pay much attention to it being that I refinanced my house few weeks ago so I was thinking it was from that maybe, then Friday XX/XX/XXXX I got 1-2 more inquires and said let me check and I seen that XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX all pulled my credit. I called each one, and there was 2 accounts opened that day with approved credit cards and the other banks didn't approve the cards, so I instantly canceled the cards and they told me each to fill out this report. So reaching out to you all, to say those aren't my charges, I didn't authorize that. If you look into my account outside of my home mortgage I never ran hard inquires random like that.
Product: Debt collection

For the secnd time in over 7 years Citibank, N.A> is taking me to court over a depth thatI do not owe them, They Illegal tranfered money to a Fake Account at XXXX XXXX back in XXXX or XXXX. I informed them I did not authorize thei tranfored, but they sent the money to XXXX any way!! And NOW again they are taking me to court for the second time. The first time they did not show up to court
Product: Credit reporting or other personal consumer reports

I requested a copy of my free annual credit Report and seen inquiries that I didnt authorize so its not allowing me to gain credit to help me to get a home for my family
Product: Debt collection

I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XXXX/XXXX/2021 -- and a demand to comply letter on XXXX/2021- the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer
Product: Student loan

I am totally and XXXX  XXXX and receive XXXX as a result. The Secretary of Education announced in XXXX that every student loan holder in my situation would be notified in XXXX that their loans would be forgiven and discharged soon after. It is now late XXXX and I have received no notification from either the Dept. of Education nor more loan servicer Mohela of anything other than that my payments will need to be resumed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment plan in motion and up to date with Santander for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy listed is NOT mine they continue to say verified but are unable to provide proof of verification, I have been disputing with them for over a year legally.
Product: Debt collection

Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free
Product: Credit card or prepaid card

In XX/XX/XXXX, I was notified by my credit union that there was a judgement filed against me for {$4500.00}. I was advised that it was in regards to an account with Citi Card. The account had been placed with XXXX XXXX. On XX/XX/XXXX, I had placed a call to Citi Card with the assistance of XXXX and was advised that they could not locate an account. I then spoke to their Collections Department and was advised that the account had been sold to XXXX XXXX in XX/XX/XXXX. I spoke to XXXX XXXX and was instructed to call the law office of XXXX XXXX. I spoke to XXXX at the law office, who just advised me that I needed to get a lawyer and that he would send me support of the debt. I was able to get the hold removed off of my bank account. The Citi account was not showing on my credit reports. I was given support of the account from the court. This account was opened on XX/XX/XXXX. The application showed my name as, XXXX XXXX XXXX. The date of birth was correct, as well as, my address. The application had a different phone number and wages listed. The documents I received from the court, showed my daughters address. Based off of the documents received, I was served papers at my daughters address. Neither, myself or my daughter received the packet. Somewhere along the line, the billing address was changed to an address that I never resided at. I have attempted to fight this with Citi Card, XXXX XXXX and XXXX XXXX. I have not received any support showing payments were being made and from my bank account. I have not received support showing the transactions incurred. This account was not opened by me or anyone else who I had given permission to do so. I have filed a police report, as well as, a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ) with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Vehicle loan or lease

Wells Fargo is saying we have not been paying are payments when weve payed all of them. They have stated that there has been reversals on are payments and that are bank is keeping the money we have all documents from are banks stating we have made they payments that they are saying we have not weve have called and tried to work it out with the bank but they are no help what so ever every time we call its a different amount a different date they dont know if there going or coming now they are trying to take the car when weve done all we can do to try to fix this instead of are total on the loan going down after XXXX years its still sitting at where we started
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a dispute regarding inaccurate information on my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account was never late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} Please correct/update this inaccurate information on my credit report.