23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a business checking account with Chase. I moved and live overseas.

My account being locked 4 times in the past few days for security reasons.

The only way to release it is by calling the XXXX  XXXX XXXX team. The holding time for the past four days is grater then 50 min. Last week I was successful reaching them after 30 min and they released the account. The next day it was locked again. That was last Tuesday. Since then I called at least seven times, waiting on an international calls 30-40 min before being dropped.

This is unreasonable waiting time. I am not sure if there is any consumer protection law in the US for the amount of time a bank can keep you on hold. In XXXX it is less then six min.

I have been holding now for an aggregate of 150 min now and still haven't get a hold of this department.
Product: Credit reporting or other personal consumer reports

I have came to realized that the accounts that i recently seen on my credit report is fraudulent. I didn't give anyone authorization to open any accounts in my name. I am asking that these accounts and addresses gets completely remove for they do not belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax several times that I am a victim of identity theft and several accounts were opened in my name. I have given them the documents that they requested, yet they are still reporting Dept of ED/XXXX {$950.00} and XXXX XXXX {$630.00}. These are FRAUD accounts. I have requested in the past & requesting again that these accounts be deleted and blocked from my credit report.
Product: Debt collection

APG and associates collection agency continues to call family members and others no matter how remotely they are associated with me even though I have already spoken with them multiple times and given them my phone number, address and email address. They continue to claim that they are calling from a lawyers or mediation office and that there is action being taken against me. They refuse to identify themselves as a collection agency and continue with abusive and illegal collection practices. I have asked the agent, XXXX XXXX ( XXXX ), repeatedly to send me something in writing about the debt and they claim they will yet I have received nothing. I do n't even believe that APG is actually their company name. There is no website associated with the name APG of New York. I find it strange that I ca n't find any information about this business online anywhere. A search of their address brings me to another company called XXXX XXXX XXXX, XXXX. or XXXX which both have XXXX Alerts on them. Every tactic they use goes against the FDCPA.
Product: Credit card or prepaid card

From XXXX 2022-XXXX 2022 they have been reporting late payments.. 



Under USC 1681 section 602 : States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Village Capital and Investments XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX We recently sold our house ( XX/XX/XXXX ). The process with Village Capital was a nightmare. I called and requested pay off on XX/XX/XXXX. Was told I had to request by email. I sent the email on XX/XX/XXXX. The XXXX XXXX emails came back undeliverable. I called and clarified the email address and was told it was an error on my end. After XXXX failed emails all with the correct email address, the operator said he would make the request for me and that it would take XXXX business days no exceptions. We should have gotten pay off and wire instructions on or by XXXX/XXXX/XXXX which we did not. 

Fast forward to closing day, The closing attorney 's office also called and requested wiring instructions for the pay off. They were told Village Capital would not talk to them because they were not on the loan. I called and authorized the Attorney 's secretary to get information for payoff. This was on XX/XX/XXXX We closed and still had not received payoff instructions. I called everyday ( despite limited cell phone service due to Hurricane Helene ). 

I finally received pay off and wire instruction on XX/XX/XXXX. The Attorneys office promptly sent the wire on XX/XX/XXXX. They received confirmation on XX/XX/XXXX Now to my issue. 

My account has been reported by Village capital as being XXXX  days late twice, Once XX/XX/XXXX and again XX/XX/XXXX. Both are incorrect and need to be removed from mine and my wife 's credit report. 

Had Village Capital done the right thing, I would not have had to fight so hard to get the payoff/wire instructions. which would not have made the payment go past XXXX  days in sept. and the account was paid in full on XX/XX/XXXX so there is no way the account was late on XX/XX/XXXX. 

I need/request these late payments be removed from mine and my wife 's credit report ASAP. 

All calls are recorded with the company, you can listen back to the numerous times I have called and requested pay off, requested to speak to a supervisor ( I have never to date been called by a supervisor ) and requested to speak to someone to have these removed. 

We are in the process of refinancing our current house and can not move forward until you remove these fraudulent and incorrect reports on our credit. 

Attached you will see how it's being falsely reported. 

The account was paid off in XX/XX/XXXX so that is incorrect and had your customer service team done its job, we would have gotten the pay off when it was requested, and the account would have been paid off on XX/XX/XXXX
Product: Credit reporting

I 'm submitting this complaint due to the lack of concern for the consumer by the credit reporting agency. I sent a copy of my verification to include State drivers license and social security card and requested that my personal info be updated and told the agency which names need to be removed. They continue to report XXXX as my name. My name has never been XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; OneMain is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card or prepaid card

We paid out credit card payment on XX/XX/20 in the amount of {$10000.00} which was the full amount due and paid by autopay from our bank on the day it was due. Since then, our card has been declined. Looking into our accounts, our bank paid the full amount above, we received a notification of the withdrawal and the credit card account shows it being paid, however, the payment on their end is " on hold ''. So we have no access to our credit card, the money came out of our bank account 5 days ago and has been credited to our account on the credit card website. It is barlaycard. I have been trying to call them- yesterday was on hold for over an hour, and now as I write this am still on hold for over two hours. We paid our bill on time in full 5 days ago, why is our payment " on hold '' why is the money out of our bank, why wont they answer the phone? God forbid this was some poor soul in a real crisis that needed their credit card asap!
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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 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. Please delete the following accounts : 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

synchrony bank keep adding credit card account an d changing the account number and state a I have a card that I went over the limit the accounts has had the account numbers change to make it hard to track it I want to know when the purchases was make who picked the and or sign for the pucrases and what date it was purchased ship to whom the date the account was open with the correct account
Product: Credit reporting

Dear Sir or Madam, I am writing this letter to correct the unlawful pulling off my credit report for issuing a replacement XXXX XXXX credit card which is the breach of agreement made on XX/XX/2015 over the phone. 

I called to the phone number XXXX at XXXX XXXX ( Pacific Standard Time ) on XX/XX/2015 for my XXXX XXXX XXXX credit card as I received a communication via postal mail. I was told that XXXX XXXX card will be discontinued due to new XXXX partnerships. 
Over the phone, I was offered another replacement card and I asked multiple times that it would not require a hard credit pull avoiding any negative impact on my credit score. I was informed by XXXX XXXX agent taking my application over the phone many times including disclaimer agreement that there will not be any credit pull from any credit agency for this card. They also told me that this conversation is recorded and there will not be any issue in future regarding my concern for credit pull. 

I, however, see a hard credit pull for the same credit card application on my credit card. I contacted XXXX XXXX several times over phone and I was told that they are aware of this issue and it will be taken care of. I also sent fax communication ( attached ) on XX/XX/2015 and XX/XX/2015 detailing the issue but I do not see any action from XXXX XXXX. Even after more than 7 months, I do not get any proper response or see any action on this from XXXX XXXX. 

I look forward to get the XXXX XXXX credit inquiry deleted from all XXXX credit bureaus. 

Thank you. 

XXXX, XXXX
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  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: Debt collection

Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 


LVNV FUNDING LLC # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. amount {$610.00}
Product: Credit reporting or other personal consumer reports

I have repeatedly asked them to update this information. They have refused. This account is closed, written consent to sell my information. This vehicle was sold at auction for XXXX payment, I asked for a 1099 for my tax purposes. I also dropped this car at the dealership within XXXX  months of breaking down, I feel like this is part of predatory lending of the elderly. According to the FCRA 15 USC.1681b, and FCRA 15 USC 1681 ( 5 ) ( A ) This company is Illegally and intentionally reporting inaccurate information on my credit report. 

A company can not *charge off a debt, *sell the debt, and still Report the *debt being owed on a consumer report. This is illegal, predatory, False and misleading. This is causing me XXXX, and XXXX. 

I have followed the law and so should they.
Product: Checking or savings account

I have XXXX direct despoits that are supposed to be in my account XX/XX/year> XXXX from XXXX XXXX. The next from my employer XXXX for XXXX. I reached out to capital one to see what is going on. They cant give me an update but I should probably just callback. The phone rep also said I should close 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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : XXXX XXXX XXXX Amount : {$22000.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX Account : XXXX Party Owed : XXXX XXXX Amount XXXX XXXX - Account : XXXX Party Owed : XXXXXXXX XXXX XXXX  XXXX Amount XXXX XXXX - Account : XXXX Party Owed : XXXX XXXX Amount : XXXX XXXX Account : XXXX Party Owed : XXXX XXXX Amount : XXXX - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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, I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a hard inquiry for an XXXX XXXX was placed on my TransUnion credit report. On XX/XX/XXXX a hard inquiry from XXXX XXXX was placed on my TransUnion credit report. I contacted TransUnion 3 separate times to contest and delete the inquiries> they were supposed to send letters to each company and dispute them but i never heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.
Product: Credit reporting or other personal consumer reports

My loans transferred from XXXX to XXXX in XX/XX/year>. XXXX was paid off XX/XX/year>. They refuse to remove the balance from my credit report. I have the same account in my credit report twice. This is causing my debt to income ratio to be very low.
Product: Credit reporting or other personal consumer reports

An fraud inquiry was reported on my XXXX report from Capital one. The inquiry occurred on XX/XX/2024 and I was made notified by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

We signed a contract with Lexington Law to help us repair our credit on XX/XX/23. The initial fee was {$69.00}. They took out over {$400.00} dollars in one month : XX/XX/23 ; XX/XX/23 ; XX/XX/23 ; with no results on my account or my friends account. 

They have violated my customer consumer law under CROA because they have been charging upfront fees for a service they did not accomplish. Lexington Law has been charging me monthly to remove negatives from my credit report. I was informed verbally that this was a family plan, that we would be charged {$130.00} a month for the both of us, not separate as we are a family & live together. 

They were suppose to refund me 3-5 business days from XX/XX/23 & when I called today, XX/XX/23, they kept saying they can only refund once they investigate the phone call, as every call is recorded. I requested the recorded phone call & they did not want to release it by giving me the run around. However, they proceeded to refund me half of that money after claiming my legal rights to receive all of my money back.
Product: Mortgage

In XX/XX/2019 I received an account history. My escrow account was in a minus state from XXXX through XXXX, and only notified in XXXX in a statement. This was probably due to the fact the house is only 2 years and it has taken the state that much time to catch up on collecting the right amount of taxes. In XXXX of 2019 the company called me to say I have to pay for hazard insurance which I thought was supposed to be part of the escrow account ( which it is ). They contacted my insurance company ( XXXX and informed them that they owed them ( the mortgage company ) {$720.00}. They called me back saying that I had to take care of the insurance or they were going to get it and threatened it would cost me more money. I couldn't believe what they were saying. They finally paid it. Because of this experience I thought it best to cancel the Escrow account. I wrote a letter on XXXX XX/XX/2019 indicating I wanted the account closed by XXXX XX/XX/2019 and was willing to pay an amount of {$950.00} that was due the Escrow Account and starting XXXX XX/XX/2019 I would pay only the {$630.00} for the mortgage fees. I sent the letter Register Return Receipt and they signed it on XX/XX/2019. I never received a reply. Sent my normal payment of {$820.00} on XXXX XXXX, which should have been received on XXXX XX/XX/2019. They held that check until 2 days after the deadline and tried to charge me a late fee. I have a copy from the bank showing proof of payment. I finally went to the bank on XXXX XXXX with my problem. A representative at the bank spent 1-1/2 hours on the phone trying to get the fee taken off and sent the loan company a copy of the proof of payment as well as a copy of my letter and a copy of the registered return receipt. When they sent me the statement of my account they said the shortage was at {$2700.00} ( I believe this included what my account was going to require by XXXX of 2019 ) and that my future payments would be {$1200.00} if I didn't pay this shortage by XXXX XXXX. I told them about the letter - they ignored me - and told me they did not acknowledge my request to do away with the escrow account because I hadn't paid the {$950.00}. I sent it on XXXX XX/XX/2019 when it was due, and have a receipt from them. The {$950.00} is the true amount of the shortage, but they are trying to get more to cover the added fees needed for the escrow account because they decided not to close it out until XXXX XX/XX/2019. I'm XXXX years old, luckily still have my wits about me, but have never in all those years experienced anything like this. I have called them numerous times and have lots of names of people I talked to. The person at the band I use was hung up on as I was many time. The bank I have been using has indicated that previous to this problem they checked to see that the loan company was not cashing the payments until weeks after having received same. I don't want to have my credit score hurt by their mistakes. I don't believe I should have to pay for their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized
Product: Mortgage

Short sale file submitted multiple times and little or no response unless forced by the borrower or agent. The approval time exceed the published time line by the XXXX XXXX XXXX. We are answering questions from the processor and underwrite over and over again with little, slow or no progress. All timelines have been exceeded and response for associate involved have been slow or unprofessional. Bottom line is that it is taking an excessive time to approve or decline a short sale.