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

This year, Equifax has placed Multiple Fraud and Extended Fraud Alerts on my Credit File. However, I have never verbally or in writing requested for Equifax to add any type of fraud alerts to my credit file. They then send a request to  XXXX  and    XXXX    to add Extended Fraud Alerts to my credit file.
When this issue first started, I was n't sure why the alerts were added and I requested them to be removed via a Phone call to the bureaus directly. I even submitted a copy of my driver 's license in which Equifax has confirmed that they received along with a handwritten note requesting that they do not add any other fraud alerts to my credit file without a written request from me.
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I have never provided any written request to Equifax or any credit bureau requesting a fraud alert to be added to my file.
I have never verbally requested or authorized Equifax to add a fraud alert to my credit file.
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I have had to have this discussion with them 3+ times and each time I can only speak with the Consumer Affairs department in which I feel they placed my file   there because of my complaints about their unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed XXXX Inaccuracies on my credit report I do not recognize XXXX  XXXX Bankruptcy & XXXX XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for XXXX loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get XXXX loan which is given to small businesses because of these credit scorXXXX agencies. XXXX lenders dont give loans to small businesses if you have a score under 640. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, TransUnion, XXXX  and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$7500.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the B
ureau.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Debt collection

I submitted a payment under protest after being told that this would stop all further collection action. 

A week later, the company submitted a collection account to the credit bureaus and tanked my score. They lied to me. I have a phone recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Consumer Loan

I 've spoken to XXXX with Honor finance on several occasions about violating my privacy by choosing to send threatening messages regarding the repossession of my vehicle. I 've asked her to either leave a voicemail message or even send via email. But she refuses to listen and continuously have sent messages stating my vehicle is up for repossession via text message. Now if my phone is lying around anyone is able to see these messages when they come though.
Product: Mortgage

I inquired with Shellpoint Morgage ( Loan # XXXX - Property address XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/XXXX about removing my PMI. They told me I needed to fill out a form to request the removal and might require an appraisal if it is only 80 % LTV. They also told me it is automatically removed at 78 %. I never received the form and since I was close ( XX/XX/XXXX/XX/XX/XXXX ) to the 78 % LTV, I decided the cost of paying it down was about the same as the cost of the appraisal, I'd just wait until I paid the loan to 78 % LTV. 

I inquired in XX/XX/XXXX with Shellpoint about removing the PMI from my loan a 2nd time. I also made a request online, see attached The person I spoke with said they would not remove the PMI, even though the loan was now below a 78 % LTV. He said that since my property was non-owner occupied that the LTV requirements to remove PMI are lower. This is contrary to what I was told previously. My current loan amount is {$100000.00} ( see attached ). They are showing per my Shellpoint online account info. my LTV at 74.34 %. Please assist me in getting my PMI removed from my loan. Thank YOU!!!
Product: Credit reporting or other personal consumer reports

Equifax, Please see below and attached - I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately from : XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am unsatisfied and have new documentation to provide and prove that this company has been reporting information falsely and refuses to correct a late payment on my account from XX/XX/2023 I received an email on XX/XX/2023 stating that I will receive a late fee due to my account being 15 days late and in this email it stated that its not too late and will not affect my credit if I login in and make a payment by XX/XX/2023 I made a payment on XX/XX/2023 which the company is verifying that I did.. I told them I experienced some issues with adding a new payment method which caused me to be more than 15 days late for XX/XX/XXXX payment.. however on the same day XX/XX/2023 they reported to the credit bureau that my account was 30 days past due! If my payment for XXXX was due on XX/XX/XXXX and I paid on XX/XX/XXXX how and why are they reporting inaccurate information to my credit report I now have additional information to provide proof of this complaint and I am begging for someone to look into this matter.. A company is providing consumers with false information and reporting another thing. Yes I did make my payment more than 15 days late due to a new payment method and having identity theft but however I got an email after this stating if I made the payment by XXXX this will not effect my credit I am attaching this email.. this is badly effecting my credit in a negative way.. I spoke to a supervisor and she did say they sent that email and that email was correct but the email is invalid because of a previous month being late.. they have not marked on ny credit any previous month being 30 days late.. the supervisor stated because XXXX payment was late that email was not valid but was sent to me.. this is contradictory they are giving consumers false hope by sending out these emails stating one thing and doing another.. this is suppose to help consumers build credit yet they are destroying our credit.. Ive asked for them to remove this late payment on good faith cause and they still have denied my request even tho I have an open account with them and making payments until XXXX they do not care about the negative information they are giving consumers and how this could affect a consumers everyday life.. I would like you to review this new information Ive been sent and question the company why they would send to a consumer that they have until XX/XX/2023 to make a payment before reporting XXXX payment as late but the same day they sent the email they reported the account as late.. I am trying to buy a home and they refuse to work with me or correct this late payment. I have uploaded to emails one with the date showing when it was sent and the other is the body of the email proving they told me they would not report the account as late until after XXXX
Product: Credit card or prepaid card

Follow up on CFPB XXXX No : XXXX Ref : XXXX One representative said a refund check was issued but I never received it.
Product: Money transfer, virtual currency, or money service

Here is what to put in the complaint part XXXX filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violated Consumer Financial Protection Act ( XXXX. Specifically, Cash App fail to take timely and effective measures to prevent an 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 ( XXXX ) in Regulations XXXX These acts have caused significant inconvenience and financial loss and I seek appropriate redress for this violations
Product: Credit reporting or other personal consumer reports

these accounts were opened under my name and inquiries I have been fighting due to a breach on my credit report. these accounts were opened and I have been fighting them since and the credit bureaus have not been compliant in there research most of the time i dont even get a response back
Product: Credit reporting or other personal consumer reports

In 2019, My brother stole my wallet and personal identifiers. He used my PIN number ( which he found by looking over my shoulder when I visited an ATM ) and deposited fake checks into my bank accounts and maxed out my credit cards and fled to XXXX XXXX XXXX, Utah. He is a drug addict. 

Subsequently, my checking account at Bank of America become overdrawn and closed after the check returned. When I was notified, I informed B of A of the fraud. From the time in XXXX of XXXX until current, Bank of America, despite being notified several different times and by several avenues has done nothing. 

No investigation was completed, no reversal of the check and no phone calls were ever returned. The negative item was reported to Early Warning Services. 

This company is a credit reporting agency that reports to other banks on negative activity. I have had bank account applications denied because of this negative information that was a result of identity theft.

Moreover, Bank of America reversed ever block I attempt to place on the negative information that is reported, further compounding that they turn a blind eye to victims of identity theft and attempt to make them pay. 

I would like Bank of America to investigate the identity theft, reverse the negative information appearing on this bank account and remove the negative file form XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting to my XXXX, XXXX, and Transunion credit reports late payments and foreclosure.
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 MAF. Account Name XXXX XXXX. Account Name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} XXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. Equifax appears to have removed the account from my file but the account is still on my XXXX and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Product: Debt collection

Conserve XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement Conserve has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX, TOYOTA MOTOR CREDIT, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, TOYOTA MOTOR CREDIT, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, TOYOTA MOTOR CREDIT, XXXX XXXX XXXX
Product: Mortgage

I had existing loan with XXXX and interest rose to XXXX. I contacted my bank to seek a home equity loan which due to having one precluded me from that but was offered XXXX rate and started process which became the impossible mission.The amount of forms and information was intolerable. When I realized I had not been informed until the last moment was the need of further information including forcing me as a prerequisite to increase my home owners insurance by another XXXX as well as asking for information that was impossible to get such as regarding roads, etc.This over a XXXX mortgage with a condo conservatively valued at $ XXXXThe closing costs were over XXXX. Their paperwork stated that in 5 years I will have paid {$18000.00} in interest and {$11000.00} in principal. 
I will be XXXX XXXX XXXX in 5 months and to not have been given all this information before I signed is beyond reprehensible. 
Your negotiations may not be illegal but I question ethics. I feel that all moneys I have invested should be refunded to me.
Product: Mortgage

We had a mortgage with PMI. We were paying on principle to build credit and get rid of the PMI. It was supposed to come off fall of 'XXXX  and it did not. We kept paying for it another approx. 17 months even though we didn't need to before they removed it.

I tried to call the bank multiple times and would be connected to various extension before eventually being hung up on. I recently explained this to a mortgage officer are we are in the process of refinancing our home and he directed me to your www site. 

Thanks you for listening!
Product: Payday loan, title loan, or personal loan

This is a pay day loan that had a court judgement for 2 years with threats of garnishment if I missed a payment. I got a court judgement XX/XX/2020 that it is paid in full and the judgement satisfied and the company Speedy Cash refused to remove off my credit record when I disputed it with XXXX. The dispute came back and said it will remain on my credit record and I dont know how long. After 2 years of threats of garnishment and I paid them off after they have been on my credit record for 6 years, if its paid in full and closed it should be removed from my credit record. Its no longer necessary to continue to drag my credit when I got them cleared through a court order. Enough is enough!!
Product: Debt collection

I filed a police and FTC report after realizing that some accounts like this one were unauthorized by me and this is damaging my credit worthiness ... I dont know who stole my information and authorized this transactions.
Product: Vehicle loan or lease

Reference Account Number XXXX VIN XXXX Per my lease with BMW Financial Services , I am allowed to transfer the lease to another individual via the lease assumption process. 

Upon attempting exercise this option in XX/XX/XXXX, I was informed by BMWFS that they would not allow me to move forward as BMW had temporarily stopped new vehicle sales for this model. 

The lease does not allow BMW to prevent the assumption of a lease due to a voluntary stop-sell of new models. Despite informing BMWFS of this, I was told I would have to wait until sales resumed.

Once BMW began to sell the vehicles again, they permitted the assumption to proceed in XX/XX/XXXX. At  this point, their breach has caused me to incur financial losses. 

I am requesting BMW refund all payments made during the period during which they would not allow the assumption to proceed ( which I perceive as the breach period ), as well as refund the assumption fee to cover some of the additional holding costs incurred during that time ( insurance, vehicle registration, etc. ). 
Request BMW refund : Assumption fee : {$540.00} Lease Payments during Breach Period : {$1200.00} ( XXXX XXXX ) Total Request : {$1700.00}
Product: Credit card

This issue is with PayPal Credit and PayPal. On a dispute to receive a chargeback for items shipped by a shipping company during XXXX XXXX and returned to warehouse of seller XXXX XXXX I presented documentation from the shipper after being denied the first claim. They call it escalating it to a dispute. The amount was for XXXX. Soon after this the seller began sending documents to PayPal XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXX. The content of these documents was read to me by PayPal customer service. The seller wanted to concede the chargeback to myself the customer. PayPal customer service said they send that to PayPal Credit. After a month of making calls to both companies a teleconference call revealed that PayPal was withholding these documents. They also were withholding one of the 2 documents that I sent. The one with the warehouse signature at the time of return. Other concerning setting were being toggled like my payment preference. And curious changes to disputed case data that showed 1 open case and 1 closed case that was changed to 1 open case and no closed cases. As it stands now XXXXXXXX XXXX took the initiative and sent the XXXX back to PayPay without waiting for the case to close.