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

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Debt collection

I XXXX XXXX recently reviewed a copy of my credit, and I noticed that this alleged debt from Springs Oak Capital LLC is on my credit report. This alleged debt was never validated or verified to confirm that this debt belongs to XXXX XXXX XXXX At no time did I transfer any rights to Springs Oak Capital LLC to report this on my credit report? Placing this on my credit report has caused me severe harm and defamation of my character which is a violation under the FDCPA. Spring Oak Capital LLC has no right to this debt due to the arising terms and conditions of this alleged debt. The terms and conditions, state that all disputes must be resolved by arbitration so that would not give Spring Oak Capital LLC any right to have or report such inaccurate information to my credit report. In many cases, debt collectors have been sued for the following violations under the FDCPA XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. The XXXX is upheld by the XXXX is it is not a matter that a debt collector or law firm can have jurisdiction over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

''I writing to delete the followinginformation from file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon possible ''
Product: Debt collection

I have a credit monitoring service that I pay for monthly. I discovered a new collection on my credit report by a collection agency called IC Systems who allegedly state they are collecting for XXXX XXXX. 

Around XX/XX/XXXX, I disputed this account with XXXX XXXX as well as a collection agency called XXXX XXXX. This account was demmed to be open fraudulently and was removed from my credit reports on XX/XX/XXXX. Now this collection agency called IC Systems has placed the same collection back on my credit reports. I have never heard of this collection agency nor did they give me the opportunity to dispute the validity of this debt. This account does not belong to me!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i opened up my paypal account. to date ive had no red flags issues discrepancies with my account its XXXX. 

According to Paypal there was a high level of risk associated with your Account. Specifically, between XX/XX/XXXX and XX/XX/XXXX, we found you had a dispute rate of 11.88 % and filed excessive claims against a food delivery merchant, XXXX XXXX So 88 percent of all transactions were okay and since i had an issue with food quality and service paypal has deemed my account a high risk and closed it without warning on top of that they are currently with holding a refund from me for XXXX that i still have not received at the end of the day paypal is the party that makes ultimately the decision to approve or deny any claims regarding purchase protection. I just give the reasonings to why i was dissatisfied
Product: Mortgage

I received a letter from Wells Fargo customer care dated XX/XX/year> Subject : Loan application denied during short-term payment suspension HELOC account ending in XXXX XXXX. Please call us by XX/XX/year> I contacted them immediately and they explained they are calculating what is owed to me in that Wells Fargo had to pay damages in this class action suit. They further explained a check, ( amount undetermined at this time ) will be mailed not later than 120 days. 

XX/XX/year> I receive the same letter which started the clock running an other 120 days from XX/XX/year> XXXX
Product: Debt collection

I am disputing a debt collection notice from Hunter Warfield. The debt is not mine, and I have no record of it. I have requested verification, but have not received proof that this debt is associated with me. I believe this debt is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Transunion has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX XXXX  XXXX, also have included a photo copy of my Michigan state identification, and social security card so Transunion can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( Experian ). 

Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. 

Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with XXXX XXXX '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. 

My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. XXXX XXXX FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. 

I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. 

Previous Company Response Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit decision was made based upon three false factors : 1 ) Lack of recent installment accounts. In fact, four of the eight accounts cited have been inactive for many years : XXXX : # XXXX ; XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX The remaining accounts are all associated with XXXX XXXX with whom I have a banking relationship. There are cards associated with that relationship of which 4 are listed. 

# XXXX # XXXX # XXXX # XXXX The assertion of a " too many accounts with balances '' is false. 
The length of time associated with revolving accounts is false as indicated by payment history. 
The failure of the credit reporting agency to identify " recent information on installment accounts '' may be true : but this is not my problem. 

The outline of my employment history misses several key elements. A clear read of the report suggests that my last employer was the State of Illinois in XX/XX/2007. Again, a falsehood. 

I ask that the " key factors which adversely affected my credit score '' be remediated, as soon as possible. And I thank the XXXX XXXX XXXX inquiry for bringing this matter to my attention. 

A XXXX credit score is nice. But I am well aware that the terms and conditions of this new card -- -my first in some time -- -are less generous than would be the case had an accurate credit report been given. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a checking account at chase and tried, on five separate occasions, to withdraw funds but was unable to for various reasons : First few visits, some computer glitch that can't be fixed on a weekend was to blame. 

Last visit, they told me that they got an email from the " system '' that they need to scan and check two IDs of mine to release the funds, which I've provided on every visit. After doing so for the fourth time, they said they needed to hear back from the " system ''. 

Fed up with this treatment, I tried to close my account today. Handed the teller a withdrawal deposit and a cashier 's check with the total amount was prepared and was actually handed to me before it was snatched right back when I mentioned that I'm closing the account. 

Now they say they can't release the funds till the " system '' approves account closure. When I asked them just for the funds without attempting to close the account, they refused and enjoyed themselves seeing me spend yet another half an hour with " system '' clowns. 

This reminded me of third world sketchy banking behaviours, straight from a XXXX or XXXX   sketchy financier/banker playbook. 

Let 's see if this oversight platform can make me feel like I'm in XXXX, Georgia again and not XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

For the past XXXX to XXXX years Ive been receiving mail regarding a credit card in my name thats now being sent to the collections. Ive contacted XXXX about the issue, tried disputing this account off my credit report, but Im constantly receiving phone calls and mail regarding a debt thats now in with the collections. Today, I was denied for an application for a home due to a bill that I did not put in my name and Ive tried multiple times contacting XXXX to dispute this issue and I tried disputing this issue on my own as well. Im so overwhelmed, because this fraudulent activity is hurting my credit score and not allowing me to get approved for anything. Once again, I did not apply for anything and I need this issue to be fixed.
Product: Debt collection

Phoenix Financial Servic has placed a collections account on my credit reports for a balance of {$1300.00} as collection/chargeoff for an original lender XXXX XXXX XXXX XXXX it appears to be a medical debt and I have no idea about the specifics of this account and they have not provided me with any specific information re ACCOUNT TYPE,, and the only thing I can think it might be is a trip to an emergency room where after waiting for several hours, I LEFT .... so if that is the case I got no services from either phoenix or XXXX, but I only have information from my CBR 's can not request a VOD nor can I dispute this and they are doing damage to my credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX bal. {$500.00}, XXXX XXXX. {$270.00}, XXXX XXXX. {$100.00}, XXXX bal. {$800.00}, XXXX bal. {$9900.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on the one inquiry dated on XX/XX/2022 the company XXXX XXXX XXXXXXXX XXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with transunion in order to have it removed.
Product: Consumer Loan

Facts pertaining to Capital One Auto Finance Originated loan in XXXX of XXXX Filed for Chapter XXXX XXXX XXXX, XXXX Car loan was included in the plan and Trustee made higher payments than the regular payment on this debt. All bankruptcy payments made on time as agreed up to the time of payoff due to accident in XXXX XXXX XXXX XXXX car was totaled in an accident Obtained a payoff and insurance paid the amount and title was released Filed for voluntary dismissal of in XXXX of XXXX due to divorce Pulled a credit report and settled all debts in XXXX and XXXX of XXXXPulled an additional report to see the paid accounts in XXXX XXXX that 's when a balance to Capital One showed up Capital One was showing a balance of over {$7500.00} Disputed with them because there was a payoff settlement Due to a " cram down '' of the interest they said I still owed interest since the Chapter XXXX was not discharged Settled with them for a lesser amount I was never contacted by Capital One about the amount owed prior to the credit report that I pulled in XXXX XXXX I was never 30/60/90 days late in XXXX because this was a debt I was unaware of and I settled the debt once I realized the loan was not paid off when I had the accident in XXXX. This is how this debt is currently reporting to the credit bureaus 30/60/90/CO/CO/CO/CO from XXXX XXXX XXXX Hide original message I am being unduly harmed by the negative reporting of this loan in XXXX item should be removed from my report all together as I have acted in good faith and the negative reporting is not truly reflective of the situation. I will be penalized for this well beyond the Chapter XXXX reporting as it stands. This item will not automatically fall off my report until XXXX of XXXX. This is EXTREMELY unjust. I have paid my dues with this. I am continually declined credit and charge higher than normal interest rates because of this.
Product: Debt collection

I have been receiving harassing phone calls from Navient. They claim they 're calling to collect a student loan debt, but I am in school and all of my loans are in deferment. I have also asked them repeatedly to stop calling my cell phone, but they refuse to stop. I was also advised today by a representative that they will continue to call me and there was nothing I can do about it. They call me everyday at least XXXX times a day, and I can not deal with it. I have tried blocking the numbers they call from on my iPhone, but the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 
RE : XXXX XXXX XXXX XXXX Account : XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXX 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.
Product: Checking or savings account

In late XX/XX/2024 I opened an account with Citibank and deposited in person two cashier 's checks from XXXX XXXX to seed the money with funds in the low 5 figures USD. 
On XX/XX/2024 I transferred XXXX USD from a checking account at another domestic bank to Citibank so that I could use the Citibank account to pay bills. 
On XX/XX/2024 I attempted to access my Citibank account online and received a notice that my account was on hold. Upon calling Citibank customer service, I was given a number within their fraud department. Upon calling their fraud department, I was told that my account was being closed, that no credits or debits could be made to or from this account, and that my funds would be returned to me in 30-60 days. The fraud department stonewalled any attempts to gain more information regarding the reasons for their actions or obtaining access to my funds. 

My complaints are : Citibank froze access to my funds and closed my account without notifying me. I learned of this information only through my own actions. 
Citibank is withholding my funds from me and depriving me of the time-value of my money. 
Citibank has performed these actions while withholding all reason or rationale for their actions.
Product: Debt collection

This Is From The Fake XXXX XXXX Had The phone Since XX/XX/2020 Was Being hacked, And setting all Put Offs. And Was a {$400.00} Phone I Contact The XXXX XXXX, And XXXX And did Nothing For Me I Had XXXX  For XXXX  Years Until I Had A Fake XXXX In My House In XX/XX/2020 Got Money For My Home Se-vices. But I Decided Not to pay {$50.00} Cause The XXXX  Was Shutting My Data Offs And Making my Bill Higher. They Wanted Me To Go To Collection?? Cause Of Retaliation. Cause XXXX And XXXX And XXXX XXXX XXXX XXXX I Knew XXXX Before. And They Would Get Their Walking Papers.?? 
I Contact The XXXX. Data Breach .And Crashing My Computer too They Should Be In Jail. I Contact XXXX XXXX In credit collection Sevices. And let Her Know I Have Evidences And Witness Too. 
From XXXX  And FTC And i Contact XXXX XXXX. The Fake CEO Want To Have This Removed. The Phone All Pay Offs. 
They Wont Do It To a Guy?? And XXXX Saying Your a Tough XXXX. 
They Have lost XXXX Customers Cause Of The XXXX. 
Hope You Will Help Me With This Problem.
Product: Debt collection

I received a notification that a new collection was placed on my report by a credit monitoring app I use. I was never notified of this account, I do not know what this account is, and there is no information on the credit report of how to get ahold of this collection agency.
Product: Money transfer, virtual currency, or money service

ON XX/XX/year> AND XX/XX/year> I BOUGHT MONEYORDEN BOTH FOR THE AMOUNT OF {$170.00} ( XXXX ) TOTAL IN CASH THE MONEY ORDEN NUMBER ARE XXXX AND XXXX WERE RETURNED BECAUSE THE ACCOUNT IN BLOCK I HAVE THE LEGALO COPY OF EACH MONEY ORDEN. SIGUE CAUSED ME LATE FEES AND INTEREST.
Product: Debt collection

Transworld System violated my consumer rights pursuant 15 U.S.C1692f unfair practices, 15 U.S.C 1692c ceasing communication,15 U.S.C 1692g validation of debt,15 U.S.C 1692e false or misleading representation or implication that any individual is an attorney or that any communication is from an attorney.

Another violation includes 15 U.S.C 6802 - obligations with respect to disclosures of personal information. Lastly 15 U.S.C 1681 ( a ) ( 3 ) Restriction on sharing medical information.
Product: Credit card or prepaid card

Applied for the XXXX XXXX issued by Goldman Sachs. Filled out the application through the XXXX app on my XXXX XXXX device. Was denied after the application was submitted. The reason I was denied was stated " recently missed payment '' reported by XXXX. I contacted XXXX and they gave me my official credit report that showed no recently missed payments. I contacted Goldman Sachs customer service about this and was told there was nothing they could do. I asked to be escalated up the chain and after three days of phone calls got a phone call on Saturday XX/XX/2019 from a supervisor at Goldman Sachs stating that there's nothing they can do to a traditional manual review as this system is completely automated for approvals and ratings. She also stated that even if it is an error with Goldman Sachs approval system that there is nothing anyone can do. I believe this is credit discrimination based on denied credit even though I qualify.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the Credit Reporting Fair Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes.These failures align with my experience. Where experience has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights asa consumer.
Product: Credit card or prepaid card

I received a US bank triple cash sign up offer via mail. It was a XXXX sign up bonus. I fufilled the obligation and now they state that I only get XXXX and dont have any records of the other XXXX dollars.
Product: Vehicle loan or lease

Carmax has reported me late several times over the course of my loan. I would like them to validate and prove all reported lateness. During the course of my loan, carmax failed to send my monthly statement, and changed my due date several times, without me  knowledge. I want all of the unsubstantiated late payments removed from my credit report, all three credit reporting agencies.
Product: Money transfer, virtual currency, or money service

After sending email showing illegal attempted activity on my checking account Square.com sent this note. I do not and wish not to have an account with Square.com. But without an account on file with square.com you can not file valid complaint. 

There was four transactions from four different square devices that were on my bank account without my authorization. ( see attached PDF ) XXXX XXXX XX/XX/2020, XXXX XXXX  ( 3 days ago ) to me Hi XXXX, I'm XXXX from Square Customer Success, thank you for reaching out! I get how important this is, first let me apologize for the delay in my reply, we have been receiving a higher amount of emails than normal, but I want you to know that I will do my best to help you in the best way! 

I'm sorry to hear about the transactions that were made on your account by someone using a Cash App account. 

Unfortunately I do not have access to that type of account but you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 
You can also contact Cash Support by visiting Cash.app/help. 

Let me know if there's anything else I can help you with. I'm happy to help Stay safe and healthy! 

Regards, XXXX XXXX Square Customer Success ref : XXXX : ref