23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint is with Green Tree. They are forcing an escrow on my loan after I was late with my property tax payment in XX/XX/XXXX. They say they sent me a letter requesting proof I paid the taxes. I never received any such letter last year. In XXXX, they paid my property taxes without asking and then sent me the bill in XX/XX/XXXX. I talked with their customer service and they asked me to send a request to remove the escrow. Then, XXXX XXXX who does their escrow 's for them made a request from our property tax, municipal utility and levy improvement district to return the taxes, saying they were paid in error. I have re-sent the same documentation to them XXXX times ( I have the fax receipts in my computer ) to rid myself of this unwanted escrow. I have called customer service again and again and for the most part they are helpful but have always asked me to send the documentation again to the same fax number as they " have n't received my documentation ''. Finally, in early XXXX ( the XXXX ), after I noted the escrow still had not been removed, I determined I had had enough of this. Back in XXXX when this started, I tried to just pay my regular payment, I was hounded by them to pay the remainder or they would report me as late, etc ... So, I sent them a message on their site in XXXX telling them they had XXXX days to get the escrow removed or I would seek assistance from the CFPB and the State of Texas. I reminded them of the $ XXXX judgment against them earlier this year and impressed upon them that I would be happy to be part of another judgment against them if they did not comply. I received a letter from them on XXXX saying they would contact me within XXXX days of the date of my email. They have until next Monday.
Product: Credit reporting or other personal consumer reports

XXXX 
Approx Year XXXX Hours and Minutes XXXX hours XXXX minutes Cash Payment : Money You Lost or Spent Amount Costs, expenses, and and losses due to identity Date theft, fraud, or misuse of {$3900.00} your personal information XXXX incurred between XX/XX/XXXX, XXXX and XX/XX/XXXX, Cost For 1 Year : {$3900.00} Loss Type XXXX. 
Description of Loss or Money Spent and Supporting Documents {$200.00} For Mailing {$1000.00} For A Cell Phone To Watch Alerts {$1500.00} For Cell Phone Service {$1200.00} For Home Internet To Print Reports {$150.00} Purchase New Printer Total
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries reported on my report that are not mine. XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record I XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 Transunion, XXXX, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXXXXXX XXXX  XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,
Product: Credit card

My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.
Product: Vehicle loan or lease

Dealership sold Gap and service contract with a signature obtained from being coerced into scanning document for Gap refund that was supposed to cover me back to me. Instead said it was applied to loan but figures and dates do not match. Added vin to car motor to replicate a metal plate with screws. However fake screws that are not real. Engine is different sold car as a XXXX but actually XXXX. Charged my credit card without my knowledge for services I knew nothing about.
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 Consumers 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 unjust and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2017 I became a victim of the Equifax data breach. Where my personal information was stolen by cyber criminals, putting me in jeopardy of identity theft. I am reading and attending webinars to learn what and how to protect my information the best that I can. These thieves have had my info for over 4 years, which gives as them a pretty big advantage that was aided by the negligence of Equifax. I was informed that I should added a fraud alert to my credit report. This is a horrific and stressful ordeal to be forced into.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for credit loans and the creditor was unable was unable to get credit score from TransUnion. I want an investigation as to why TransUnion didn't give Creditor my Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine westlake financial - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX care - account number XXXX opened XX/XX/XXXX - this account is mine XXXX XXXX  - account number XXXX opened XX/XX/XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Student loan

I applied to the PHAA/XXXX XXXX Public Service Loan Forgiveness ( PSLF ) program on XX/XX/XXXX. I received the acceptance letter dated XX/XX/XXXX ( see attached document ). Then I received a letter dated XX/XX/XXXX stating that the number of my qualifying payments accepted into the program were 18 payments ( see attached document ). The problem started when I received one letter dated XX/XX/XXXX showing the correct 29 qualifying payments at that time and then a week later I received a letter dated XX/XX/XXXX showing only 14 qualifying payments for that time same period. On XX/XX/XXXX I called XXXX XXXX to report the issue and was told a review would be completed within 90 days. I have called again on XX/XX/XXXX, XX/XX/XXXX, and finally again on XX/XX/XXXX without resolution. ( See attached call logs ). Please see my attached documents which support my statements. 

I have been waiting over a year for a resolution to this problem. This incorrect information changed my loan discharge date by 15 months. I am very concerned that due to the incorrect information, XXXX will break the 120 payment agreement for the PSLF program and require that I pay XXXX  in error. If the information is not corrected this is exactly what will happen.
Product: Debt collection

This company LVNV FUNDING LLC PURCHASED AN ACCOUNT FROM XXXX XXXXXXXX NOW THEY ARE CONSTANTLY SENDING LETTERS DEMANDING PAYMENT. i DO NOT HAVE A CONTRACT NOR DO LVNV HAVE A SIGNATURE FROM ME INDICATING ANY AGREEMENTS. I SENT LETTERS MONTHS AGO REQUESTING VERIFICATION OF THE DEBT THEY SAID I OWED THEM ALL I RECEIVED WAS A CREDIT CARD STATEMENT FROM XXXX XXXX I HAVE YET TO RECEIVE ANY VERIFICATION THAT I OWE LVNV LLC. I ALSO SENT CERTIFIED LETTERS TO ALL CREDIT BUREAUS THE COLLECTION WAS REMOVED AND PLACED BACK A MONTH LATER AND THE BALANCE IS STEADY INCREASING MAKING MY CREDIT SCORE DECREASE. I DO NOT OWE LVNV FUNDING AND I WANT THIS COLLECTION OFF MY REPORTS
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 : INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

My account is/was breached due to someone that I do not know in another State. Because of this I have nit been able to access my funds in a normal fashion. I still do not not have my BofA prepaid card because the card was resent back to the State where the fraud was initiate d. This is stressed me out so bad that I can not sleep and I have began to drink alcohol more unfavorable than usual. Please help me to establish my account back by extending my resources back to me normally. I need to file a new claim with XXXX  .... And still have nit been able too. I either get hung up on after waiting an hour on the or the merchant teller never comes back on the line. I have no knowledge of any of the fraudulant charges.
Product: Checking or savings account

Had lots of unauthorized transactions taken hits against my account for years while maintaining a relationship with the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Being directly affected by medical complications from XXXX XXXX, my great credit was affected with loss of job, work then XXXX twice. I fell behind on four creditorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. Recently, regaining my life, I was able to call all my fault creditors listed above on XX/XX/2023 and made agreements to pay them off in full or negotiated a settlement. All negative reporting creditors, 4 above, were paid, closed and settled, I have agreement paperwork as proof. Since XX/XX/2023 each week my fico score has increased due to paying off my debt. XXXX, XXXX, XXXX, XXXX then XX/XX/2023 XXXX. All reported by experian. On XX/XX/2023 Experian reported my fico score now to XXXX without explanation. I owe nothing and paid all my creditors off, trying to get my life back. A notation of being directly affected by XXXX XXXX is stated on my credit report as to reasons why missed payments happened but now Ive paid all creditors. Also, experian reports two ( 2 ) same accounts, XXXX XXXX with original balance of {$9000.00} on my credit report with negative reporting but this is only 1 account, and their reporting it as two separate accounts with negative information. Completely false, untrue and incorrect. Ive tried several times in phone calls and disputes with experian but they ignore my request, continue to report XXXX account twice instead of once and now they are changing my fico score from XX/XX/2023 which was XXXX to now, XX/XX/2023 to a XXXX. Absurd, unethical and unacceptable. Theres no reason for my fico score to decline by XXXX points within 6 days when all creditors have been paid, satisfied and my fico score has gone up every week as updated information is done. Experian is hurting my ability to obtain collage financial assistance, housing and credit with this inaccurate reporting and refuses to acknowledge or assist me. Im trying to do the right thing, pay my debts and get my life back. Im XXXX XXXX old and they are making my life incredibly hard, hurting me in obtaining and trying to increase my credit back.
Product: Vehicle loan or lease

I have had a vehicle from US auto sales since XXXX  which was financed for XXXX. I have had my vehicle disabled multiple times including when my daughter was out of town which left her stranded at a gas station. Not only this but the warranty wasn't upheld on the contract. XXXX of XXXX  another company reached out to me via email stating i need to start paying them for the contract as they are servicing the account at which time i asked for a contract and i was told one is not available. I have reached out to us auto sales to find out it is out of business i have requested my title and contract and am left with nothing. I woke up to my vehicle being repossed from Westlake which doesn't own my vehicle.
Product: Debt collection

on XX/XX/2020 i paid {$690.00} to Portfolio Recovery Associates XXXX. I contacted them several weeks prior because i saw this account collection on my XXXX  report. I believed it to be an account I had with XXXX XXXX. When i had first called them I had brought that up and was not corrected. The account i paid for was for a XXXX card that went to collections, upon reviewing a dispute i filed through XXXX   It shows that this account in question was disputed and deleted on XX/XX/2020 - report number XXXX I paid on a debt that should not have been collected on.
Product: Debt or credit management

I do not believe the credit thats reported on my Credit report is valid.
Product: Credit card

i was charged {$69.00} for a XXXX XXXX subscription i didn't sign up for and when i disputed the transaction they denied it, the charge was for a suposedly monthly subscription but i was only charged once, and months after the last time i had flown om spirit
Product: Credit card

Syncrony bank allowed fraudulent credit accounts to be created in my name a GAP, JCpenny, TJMax, and Walmart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan XXXX XXXX XXXX account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Please CFPB remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX XXXX has been added to my credit report for XXXX, Equifax, and for XXXX. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.
Product: Debt collection

XXXX collection companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Spring Oaks Capital were collecting on the same debt. On XX/XX/XXXX, I paid XXXX XXXX XXXX as they claimed to have owed the account since XX/XX/XXXX. Spring Oaks Capital claimed to have owned it since XX/XX/XXXX. I contacted Spring Oaks Capital and informed them another collection firm had been paid for the same debt. They requested and received a copy of the paid receipt from XXXX XXXX XXXX. Spring Oaks Capital informed me that someone from their team would reach out to XXXX XXXX XXXX to verify payment of the debt and they would then remove the collection from their files and my credit reports. Over the course of several months, numerous phone calls and emails, Spring Oaks Capital went from removing the account, to stating I never sent in documentation, to claiming XXXX XXXX XXXX is not a real company and I was the victim of fraud ( this is documented via email ). I was asked by Spring Oaks Capital to contact my bank, request a refund and then pay them. In XX/XX/XXXX, XXXX XXXX refused to do any further research and after not having reported to any credit bureaus in XXXX  years, updated ( re-aged ) the account in the credit bureaus and began sending me collection letters, emailing payment offers and calling to collect. ( This is all documented in the attachments ).