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

I am sending this request several times already to address the inaccuracies in my Credit Reports. This company, XXXX XXXX XXXXXXXX XXXX XXXX, is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I settled with Discover Credit Card for over {$760.00} to pay my charge off. They reported my account last week to all 3 consumer bureau reports as charged off and delinquent with a balance of {$1000.00} owed.
Product: Consumer Loan

I have signed on to a line of credit, not really knowing the full details, as I so desperately needed the funds, I had already paid an installment loan off in full with this company in the past and went to apply for a new and then was talked into a line of credit ow which I have been paying on religiously every two weeks, I would like to resolve and come up with a settlement amount, as to date I have paid on this particular line of credit just in interest XXXX which I think is beyond too much, I am in a bind right now and had to close my checking account for the ACH being taken out every two weeks, would like to come up with an agreeable amount to pay off so I do not look like I am trying to avoid I am just going broke on these installments, Please advise to a settlement amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.
Product: Vehicle loan or lease

I had a lease agreement with with JP Morgan chase for a XXXX XXXX XXXX that started as of XX/XX/XXXX of XXXX with an expiration date of XX/XX/XXXX of XXXX. Due to COVID restriction, my due date was extended to XX/XX/XXXX. I returned vehicle on XX/XX/XXXX to the only dealer I was able to find with no available appointments and dealer was out able to precoces return until the XXXX due to lack of resources working at the dealer at that time. 

On XXXX I reached out to JP Morgan Chase Auto Finance to try to negotiate pay off amount to purchase the car with an estimated value of less than {$7000.00}. Chase Auto Finance refused me the option to buy the car instead forced me to turn in the vehicle immediately to the closes XXXX dealer. 

Due to COVID restriction, holidays and limitations, there were no dealers taken returned lease cars. My account was paid in full for the 54 months I owned the lease agreement and even though i was rejected to buyout the XXXX XXXX car, i requested to have an extension to return vehicle due to issues with finding an open appointment with a XXXX dealer to return the vehicle. I had to travel out of state to get a dealer willing to take in my lease. 

Now, Chase is trying to collect extra fees for NOT finding a dealer to intake return leased vehicle which is out of my control. Chase representatives and managers refused to grant an exception due to Covid restrictions and want to charge my a full month of fees when I was not able to find a dealer. I have no control of Covid pandemic and government restrictions and I should not be charged for a full extra month when Chase was the party refusing me the option to purchase car or extend lease. 

I need assistance by investigating this issue and for Chase to stop trying to collect extra unfair fees for a vehicle that was not in my position for a full month. No one has control on this COVID pandemic and shouldnt have the negative imposition to take advantage of this situation to collect additional fees for governmental restrictions.
Product: Debt collection

In the winter of XXXX I took out a Pay Day loan for {$300.00} at the Check N ' Go in XXXX, IL. XXXX of XXXX I relocated from XXXX, IL. to XXXX, IL. Too the best of my knowledge the debt was paid off before I left as they'd been debiting money from my pay checks. On the XXXX of XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX. They asked for credit card information, banking information, how much I was paid and how often, and information about where I worked. They said I had committed fraud, that I had a court case, and that I was going to be arrested. On XX/XX/XXXX they contacted my daughter and asked where I was living. They threatened to come my daughter 's home, my place of work, and threatened to call me at work. I am XXXX and have been taken advantage of financially before. I am on government benefits and work part-time and it would be a hardship to take on an additional debt. Due to my XXXX I struggle with concentration, processing information, and understanding others. I have also filed a complaint with the Illinois State 's Attorney General 's office. The State 's Attorney General 's office directed me to file a complaint with the FTC and I was directed here.
Product: Mortgage

We recruited Vision Mortgage Company ( VMC ), XXXX XXXX XXXX proprietor ) to help us find a XXXX Home Equity loan with reasonable interest rates. We have at least $ XXXX equity in our Homestead property. We gave Mr. XXXX pertinent confidential/private financial information to accomplish this task. 
Without our written consent/knowledge/permission VMC began orchestrating his nefarious agenda by registering applications for other types of loans containing our confidential/private financial information. When asked for copies of the documents he registered with his lenders, he sent a " document he worked off of '' without ever providing what I asked. We were deceived with lies about the urgency of funds needed to circumvent a work stoppage and lies about our equity in both of our properties as the reason we didnt qualify for a Home Equity Loan. There are many instances that are suspicious. How did XXXX arrange 3 closing sessions when we, the borrowers, never completed an application requesting a loan from anyone. He refuses to provide any copies of the applications/approval of those requests for loans he registered with his lenders. He also deemed a business affidavit as incorrect, altered the document then notarized the document he created. He stated that his title allows him to do that. I have correspondence to show this but also the fact that he never sought to find low-cost interest rates to compare for a Home Equity Loan as requested so that we could decide how we wanted to proceed. He took advantage of my suffering XX/XX/XXXX XX/XX/XXXX XXXX XXXX and a XXXX during this time. While in recovery and rehabilitation, I learned VMC obtained a $ XXXX Personal Loan. This loan was structured to benefit the lender ( USURY ). This loan allowed the lender to pocket the escrow as interest. The way he arranged the loans, we are unable to use our equity for 2 years. 

There was no disclosure or Truth in Lending which includes the appearance of an unethical conflict of interest. Now that VMC got away with the first loan, they have introduced another personal loan to rectify the irregularity as to avoid foreclosure on the first loan. We immediately declined to close on this pre-planned loan. 

VMC should be held accountable for their outright lies, deceit and unethical behavior.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2024 I submitted a Wire Transfer from my personal bank account ( XXXX ) and same was wired to a Wells Fargo account for a legal matter. I inadvertently sent the wire transfer, however the receiving parties Wells Fargo account number I had not fully written the full account number, so wire transfer was not processed by Wells Fargo. The wire transfer has not been received as of today ( XXXX ). In the mean time I visited my bank after discovering my error and a XXXX person and I spent over XXXX hours on the telephone with the Wells Fargo Branch- XXXX Oregon as well as the Wells Fargo Wire Transfer Department and all I am seeking is to have my funds ( {$750.00} wired from my personal XXXX account ) refunded and Wells Fargo has totally given me the run around. I last called on XXXX XX/XX/2024 ( 10 days after sending wire transfer ) spent over XXXX hours on the telephone and spoke with XXXX different Wells Fargo representatives and explained this same ordeal to all XXXX representatives and to this day XXXX XX/XX/2024 ( 10 days after wire transfer ) Wells Fargo has not returned or refunded my funds. I owe Wells Fargo nothing so they should not be allowed to hold my funds hostage simply because my initiated wire transfer paperwork was incorrect. I want my {$750.00} returned asap.
Product: Consumer Loan

I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to the credit company and contacted through the website to verify about three collection accounts that were on my credit report that are also hurting my credit which I have no knowledge of or doing of any sort. I asked to remove these several times through their website portal and through mail. One time I had no response second it was a verified statement which is false because I requested proof in the letter which by law I have that right under the " Fair Credit Reporting Act ( FCRA ) 15 USC 1681. And just ask they be deleted, if they can't be verified so I can pursue my goals of buying a home and car in the future ....
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im XXXX. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to equifax XXXX and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX  open a credit builder account and begin reporting to all XXXX credit bureau. I was also able to connect experian credit monitoring within the XXXX  app. 

Around mid XX/XX/XXXX experian credit monitoring was disconnected from XXXX  and I was never able to reconnect it, then XXXX  credit reporting was removed from experian. That resulted in my credit score taking a nose dive back to XXXX XXXX I have been trying for months to resolve this manner and both parties XXXX and experian are pointing fingers. When I call XXXX  they say that they are accurately reporting to all XXXX bureaus and I can say that XXXX and XXXX is still being reported not Experian. 

The failure of experian to try to resolve this manner and I dont know what else to do. I am a single mom who is experiencing homelessness with a child that is XXXX and many the rental use Experian to run their reports. 

I have contacted experian on XXXX, XXXX, XX/XX/XXXX, XXXX to come to a resolution and so far nothing. I was giving a case # XXXX. 
I dont know what to do when both parties XXXX  and experian feels its not their issue and I am stuck in the middle trying to resolve the issue and cant seem to do so because merit parties want to accept responsibility and resolve the manner. 

XXXX  saying they ate reporting and experian says they are not reporting and when I asked them how is it that I saw it on my report and then its not on their. My only mistake was not capturing a screenshot of it. 

I have attached screenshots of what my XXXX score looked like when Experian was reporting and what it looks like since XXXX  builder been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX, XXXX XXXX  and XXXX XXXX which were transferred from my wallet utilizing your services.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized inquiries from my credit report. I am a victim of a data breach, and these inquiries were made without my consent or knowledge. In compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent inquiries be blocked and deleted from my credit file. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on credit report. 


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

Hello, I'm writing this complain follow up a previous complaint. I had an issue with Pro Collect with Derogatory claim on my Credit Report. COMPLAINT ID XXXX. On XX/XX/XXXX Pro Collect sent me a deletion letter that was suppose to resolve the issue. Now the issue is that there is a duplicate account for the same derogatory claim on my report. I contacted Pro Collect and they said they don't see the duplicate, but I have proof its on my report. It's effecting my ability to purchase a house for my family. It's not right that Pro Collect has made many mistakes and now aren't taking responsabilty for duplicate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXX account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX months old!
Product: Credit reporting or other personal consumer reports

After months of trying to get equifax to comply with consumer law I made complaints and ftc reports of these hard inquires that they were fraudulent and even sent them the information that I receive from each company stating that those inquires were fraudulent accounts and were deleted and sent to equifax as well as the other credit bureaus which have comply with the law. Equifax has at every opportunity negligently neglected to properly investigate my claims or to reach out too the companys who infact gave there contact information too there identity theft department and the risk department i have submitted by certified mail also of my id social and other documents from the companys themselves stating that my claims are true but to no avail equifax has violated many of my consumers rights before I had a identy theft alert on my account and after I even got a XXXX hard inquire from the same company when I called they said my social and info didnt even show up in there system the supervisor said on recorded phone call that theres no possible way there could be an error like this because nothing like this has happened before and I feel really discriminated aginsted because if thats true I need to find out why was I singled out
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17, I received an alert that a new acccount was added to my TransUnion credit report. XXXX XXXX ( Acct # XXXX ) reported an account to the Transunion credit bureau. I have never heard nor received any notification ( letter, phone call, etc ) about this account from XXXX XXXX nor am I knowledgeable about this account. 
I want this account removed from my credit report immediately.
Product: Credit card or prepaid card

I applied for XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/XXXX and was denied. 
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter sent to me dated on XX/XX/XXXX is both a proof and evidence that I have been discriminated against. 
XXXX XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number.
Product: Credit reporting or other personal consumer reports

I believe I have fallen victim to identity theft. As a result, I have been advised by the three major credit bureaus to file a police report. My personal information has been compromised and has appeared in several data breaches. I believe this situation violates the Fair Credit Reporting Act. ( FCRA ), 15 U.S.C. 1681 et seq, as well as 18 USC 894 and UCC 3-401. Below I have outlined the accounts in question. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Please note I am asserting my rights under XXXX XXXX without prejudice, and reserve all rights related to this matter. Additionally, the following name does not belong to me : XXXX XXXX, I've never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit card or prepaid card

During the first week of XX/XX/2022, I purchased a XXXX XXXX XXXX XXXX for {$300.00} from the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Fl. When I attempted to use the card the next day to pay a bill it declined. I called the number on the back and it said I had a XXXX balance.I attempted to contact XXXX and XXXX transferred to Incomm Financial Services Dispute team . I completed the dispute form, the card number I purchased was used in XXXX, Ga. I was told to wait XXXX  days and I will receive the outcome of the investigation. I'm a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  I get prepaid cards to pay certain bills. I can't wait XXXX to see if I get my money back, I need my money now. This could be a bigger issue for XXXX XXXX families and all XXXX  that are already struggling to pay bills and to get {$300.00} stolen from you, when Incomm financial services is committing fraud by promoting this prepaid card as XXXX. Incomm ( fs ) is aware of this problem. I have already contacted the XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and made them aware of this issue. I searched the internet about this. A story was done in XXXX, NC on XXXX this year, about these same cards and the same issue with Incomm financial services : Money stolen off card before you can use it. Incomm Financial services needs to be held accountable for committing fraud & not informing the public about this issue, so that we can make an informed decision on if we want to purchase Incomm financial services products or not. Again, I am a XXXX XXXX XXXX XXXX  on a budget, I desperately need my money refunded ASAP, please.