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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. 

Accounts Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX/XXXX XXXX  | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX   XXXX/XXXX  | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Product: Debt collection

I gave my insurance info the day the accident happen and the ambulance came for me Im not paying XXXX dollars because my information was giving to them that night and they are saying I didnt provide them my medical id plus they put the wrong address they didnt even help me much at the hospital I XXXX my XXXX  and they took me and gave me a pill and sent me on my way and I was in California and I live in Nevada I was stuck couldnt XXXX  in a while in a another state Im not responsible Ive tried over and over to explain to the. And called my insurance several times someone is not doing something right Im not responsible for the ride to the hospital
Product: Mortgage

I am behind on my mortage and currently in the process of a cash sale of the home. On XX/XX/XXXX I found that the mortage company loandepot had sent XXXX XXXX XXXX XXXX to my house. They removed my realators lock box removed a door knob and changed the locks to my house. I am only 3 payments behind and a foreclosure has not been started. They also filed a claim to my homeowners insurance without my permission. They trasspassed onto my property and forced entry into my residence without permission. I called XXXX XXXX XXXX on XX/XX/XXXX and was only able to leave a message. XXXX XXXX XXXX called back on XX/XX/XXXX and said the mortage company had the take pictures, change the locks and do some repairs. I told them they had no permission to enter my property and they just said call your mortage company and hung up on me. I called my mortage company on XX/XX/XXXX and advised them they did not have permission to lock me out of my house or instruct someone to force entry into my house or property. They said they would try to have someone contact me with the lock box code and also gave me a code to try. I advised my realator of the infomation.
Product: Credit reporting or other personal consumer reports

A couple years ago had identity theft and fraud. XX/XX/XXXX of XXXX. I witnessed a horrific accident that took my XXXX childs life. It is messed me up mentally but for the past 8 to 10 months I have been trying to battle XXXX  updates my credit and let me print it off regularly. Because I have gotten a lot of stuff off my credit but XXXX XXXX and Equifax will not update my credit report unless I pay {$24.00}. I guess its a monthly fee or something. My credit report has not updated since XX/XX/XXXX of XXXX. There is numerous addresses, Social Security numbers and accounts that are not mine that I am trying to get removed because I need a vehicle so I can go to my doctors I do not have one. I can not get to my doctors. This is causing health problems and if I do not get to the doctors, it will cause problems with my XXXX. These companies are playing with peoples lives and Im very upset because I can not refinance my house because they will not release my credit. Theyre holding it as ransom that is illegal. I want to sue them because they cant keep picking on the little people. I have called them. I have updated the information theyve asked me to and they say its not me. Its just plain XXXX. I want my credit fixed, and I want to sue them.
Product: Debt collection

Apothaker Scian knowingly continues to threaten legal action against me for the credit card debt in question, though according to the debt validation they provided, the statute of limitations to enforce collection through the court system has passed. Arbitration documents were recently mailed to me with court stamps from a year ago however, these documents were not served to me at the time they were stamped. The documents also state that I consented to act as my own attorney during the arbitration process which is false. 


Below are reference numbers for previous complaints submitted for this continuing issue. 



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

I have a BBVA account that is showing two missed payments, for XXXX 2017 and XXXX 2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc BBVA is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.
Product: Debt collection

Plusfour Inc Collections. I did not receive any notice to dispute this bill. 
I was in a XXXX car accident in which i was the passenger in the accident in which the XXXX drivers insurance XXXX XXXX XXXX  Company was paying. When speaking to them they told me they had error by the previous agent was no longer with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Date XXXX
Product: Debt collection

Hello, My name is XXXX XXXX. 

I used XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received at home a notification from Wakefield and Associtates LLC, which is dept collector company saying that had services rendered at XXXX XXXX XXXX and they were engaged to collect {$180.00} that I owe them. 
On XX/XX/XXXX, when I used XXXX XXXX XXXX XXXX, I have shared my health insurance with them and they never mentioned that I have something to pay. As well on my online acocunt that I have with them there was notthing to pay for this services. However the amount is insignificant and it would have not been an issued if they would have been informed me about it. 
I never had a delay in my payments and this is really something that I would have never expected. 
Moreover is less than a month since the time I used the serives until the time I received a notice at home about this debt. I found this as unusual and not right. 

I need to know what are the next steps insolving this issue. I don't want to have credit report issues due to this situation, out of my control. 
Thank you, XXXX
Product: Credit reporting

XXXX is illegally reporting on my credit, which is negatively affecting my credit score. Please help me enforce my credit right and remove this illegally reported account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I signed up for moneylion plus where they would give you {$500.00} loan and you are to pay it back on a set schedule to enhance your credit report. They are to release a portion of the {$500.00} to you and when I was approved and granted {$75.00} from it online yet, I never received it. They said they sent me a debit card to retrieve the funds and I never received that either. The app says you can add your bank to it to receive the funds but their app does not work properly. I called them and nobody answers the line, I left emails ( tickets ) and its an automated response that doesnt help. I asked to cancel it and was told I can by the automated response. I was told they would mail the debit card out again and once again no debit card. Here I am being held accountable for a loan I never got. Now on XX/XX/XXXX they deducted {$9.00} from my ACH bank account and I still never received the funds. I have called them requested a callback from XX/XX/XXXX and still no callback. I think this is a scamming company and I want them off of my bank account, cancel my membership and leave me alone. It is not fair to me im paying them for nothing, I didnt receive a {$1.00} from them and they are aware of it because its still sitting there untouched. Please help me and sadly I seen many posts like mine on XXXX on XXXX and its time for the government to go after MoneyLion because this is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme frustration and anger with the inaccurate information on my credit report, specifically regarding the address and accounts that are being reported. Despite numerous requests to have the address XXXX XXXX XXXX XXXX GA, XXXX removed from my credit report, it is still being reported as my address. I have never lived at this address, nor have I ever had an ID associated with it. My actual address is XXXX XXXX XXXX XXXX GA, XXXX, which I have repeatedly provided to you. 

Your failure to remove this inaccurate information from my credit report is a clear violation of my consumer rights and shows that your records are unreliable and flawed. This is unacceptable and has caused significant harm to my creditworthiness and reputation. 

Furthermore, I demand that the XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX be removed from my credit report immediately. These accounts have absolutely no business being on my report and are further proof of the inaccuracies and deficiencies in your reporting practices. 

I demand that you take immediate action to remove all inaccurate and unauthorized information from my credit report and take steps to ensure that this does not happen again in the future. Failure to do so will result in legal action against Experian for violating my rights under the Fair Credit Reporting Act and for the damages that I have suffered as a result of your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting and validating inaccurate information pertaining to the account XXXX XXXX XXXX - XXXX. XXXX furnished payment history for the account and reported to XXXX that my account was last paid XX/XX/2022. However the balance history reporting on XXXX does not reflect a XXXX payment being made. This is evidence of inaccurate information. Consequently the account needs to be deleted immediately. Furthermore the account was charged off in XX/XX/2022 however the account was reported inaccurately by XXXX from XX/XX/2022- XX/XX/2022 as past due. According to my credit report, the past due amount on my account is XXXX but the status reported on the account says " Account charged off. {$560.00} written off. {$290.00} past due as of XX/XX/2022. '' which is inaccurate reporting, and the account status is listed as " past due. '' However, the account was charged off on XX/XX/2022 and the balance was subsequently written off by the creditor. As you are aware, charged-off accounts are not considered to be past due and should not be reported as such. The inaccurate reporting of my account has had a negative impact on my credit score and has prevented me from obtaining credit at favorable terms. XXXX stated that the account remains along with this explanation " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. There is bonafide  evidence that the account has been reported inaccurately and that said evidence can be found within the account information on XXXX. XXXX 's lack to adhere to the Fair Credit Reporting Act and hold XXXX accountable for the inaccurate information has caused a significant impact on my credit score and financial well being. 

The Fair Credit Reporting Act ( FCRA ) regulates credit reporting in the United States, and it specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. If a person knowingly or willfully provides false information to a credit bureau, they can be subject to fines, legal action, and even criminal charges. Additionally, the person who is harmed by the false information may have the right to sue for damages. It is important to ensure that any information reported to credit bureaus is accurate and truthful, as it can have a significant impact on a person 's credit score and financial well-being.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX, I purchased a used car from XXXX XXXX XXXX in XXXX, WA using pre-approved financing which I had obtained through CapitalOne Auto Finance  ( I 've uploaded the vehicle sale contract from XXXX XXXX XXXX and the first monthly statement that I received from CapitalOne ). 

Per my contract from XXXX XXXX XXXX : APR : 6.61 % Number of Payments : 72 Amount of Payments : {$300.00} Finance Charge : {$3900.00} Amount Financed : {$18000.00} Total of Payments : {$22000.00} Total Sale Price : {$22000.00} Per my first monthly statement from CapitalOne Auto Finance : Amount Financed : {$18000.00} Interest Accrued this Period : {$78.00} Ending Balance : {$18000.00} What does not seem right to me is the 'Interest Accrued this Period ' charge of {$78.00}, which was not disclosed at the time that I executed the contract with XXXX XXXX XXXX . I called CapitalOne and they said that it was per diem interest accrued from the day that I purchased the vehicle toXX/XX/XXXX While I do understand how per diem interest calculations work ( I work in the mortgage industry ), I do not understand why that interest was not disclosed to me or factored into the final numbers when I purchased the vehicle. 

I was also told by CapitalOne that my first payment is due on XX/XX/XXXX and my last payment is due on XX/XX/XXXX, which is a 73 month term and is not what I agreed to. By my calculations, the 73rd payment would be for {$78.00}, which is the amount of the undisclosed per diem interest that I did not agree to. Please advise.
Product: Debt collection

I was called today while at work and the recording told me if I did not respond to them i would have a warrant out for my arrest and legal action. this is for a debt from back in 2013 that I paid and the company I paid sold to another and they said they lost my records on it. Its for QC holding/ XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan serviced through Santander. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. Santander recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : ( ( XXXX # XXXX ) ) and ( ( XXXX ) ) XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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: Mortgage

During the pandemic, Flagstar Bank allowed us to put our mortgage on hold ( not sure if it is a forbearance or deferment ) because my husband lost his job. I have been trying for at least 8 months to get them to properly process a Partial Claim so we can resume making the mortgage payments. I currently do not have access to my Flagstar online account. I signed and had the initial forms notarized and returned them to Flagstar only to have them send the forms again in XX/XX/2022, but with my husband 's name on some of the pages. They did not include an explanation as to why the forms needed signed with his name. After speaking with several people at Flagstar, I learned that even though he is not on the mortgage, because we live in Minnesota, FHA requires him to be notified of the Partial Claim agreement. We signed and had the forms notarized and returned back to Flagstar only to find there was another issue with the dates and the forms had to be signed again. They sent the forms and did not include my husband 's name. I called them and the woman told me to return them unsigned with a note explaining why. She also said she would issue the new forms and send them. I never received them but continue to receive notices and calls for my past due mortgage. I have called or talked with Flagstar no less than 15 times, asked for my issue to be escalated, asked that my issue to be escalated to the Office of the President of Flagstar ( which they told me was not possible ) and have still not sent me the proper forms. I would like to have had my mortgage refinanced but that is not possible now because the interest rates are a lot higher. Flagstar also told me that I couldn't refinance until 6 payments were made, even though it is listed as one of the options under the Terms of the Partial Claim.
Product: Credit reporting or other personal consumer reports

I requested that Equifax remove all incorrect late payments from my credit report for XXXXXXXX XXXX XXXXXXXX XXXX accounts ( account numbers : XXXX, XXXX, XXXX, XXXX ). However, instead of just removing the late payments as I requested, Equifax completely deleted the accounts, along with my credit history for them. 

I contacted Equifax to ask why this happened and to request that the accounts be restored with the late payments removed, as originally requested. Equifax responded that they could not do this, claiming that XXXX XXXXXXXX XXXX had instructed them to remove the accounts. They provided me with a phone number for XXXX  XXXX XXXX that they allegedly used to communicate, but the number has been non-functional every time Ive tried to call. 

It is clear that Equifax removed the accounts despite my dispute specifically requesting only the removal of the incorrect late payments.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 


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Product: Checking or savings account

I was charged 2 over draft fees and my account was not over drawn the 2 fees where charged to my account on XX/XX/17