23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Today I received a call from someone claiming to be light stream finance. They had a legit looking form and I completed it. Then they were disputing my accts and got me XXXX on my bank acct. So they asked me to cash app them the XXXX to a XXXX XXXX and thats when I realized I was being scammed. I hung up and called my back and cancelled the disputes. Also blocked the number from my phone. XXXX ( XXXX ) XXXX Here is XXXX of the numbers they called from. The form also had the actual light stream logo so it looked real. The man called me back on a different number and threatened that if I didnt send HIS money to him on the cash app tag $ XXXX that he will call my bank and get double that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times over the last two months that an inquiry and address ( never lived in Colorado ) listed on my credit report XXXX is incorrect. I have faxed and mailed verification with my Drivers License and Social Security Card. The company ( XXXX XXXX XXXX ) listed an address I have never lived at and the number listed as a contact for them is disconnected. I have never done business with this company. TransUnion continues to tell me that I need to contact the Department of Education to have the inquiry removed even though I have stated the number listed is disconnected and they refuse to remove this incorrect information. 

I have also disputed the Tax Lien and that has not been removed.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF ED/XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7500.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$4100.00} U S DEPT OF EDXXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX {$10000.00} U S DEPT OF EDXXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$4200.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXL Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Debt collection

Hello, Im shocked, surprised, XXXX  out both XXXX and XXXX to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Payday loan, title loan, or personal loan

I paid Upgrade off XX/XX/2022. On XX/XX/XXXX, I decided to close this account. I called Upgrade and told them to close this account, well they said they closed the credit card, but in reality, they closed nothing. I called again on XX/XX/XXXX and told them to close the entire account, XXXX card and credit line, everything. To this day, nothing has been done. I also sent them an email on XX/XX/XXXX telling them to close down everything, and they still did nothing. I am not going to continue to call them and they do nothing, Im through with calling them. I want them gone and to leave me alone. This is a horrible company and has a reputation of not closing accounts when ask tolots of dissatisfied customers besides myself. They get some type of sick enjoyment out of doing people this way. A shystie company. Please close this account in its entirety, and also reference it on my credit report as Closed.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX : Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data is inaccurate.
Product: Credit card or prepaid card

I referred several friends the XXXX cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX points arrived. Following their terms, I waited for 12 weeks, and contacted XXXX at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time.
Product: Credit reporting or other personal consumer reports

I have tried to fix incorrect information on my credit report from all three credit Bureaus Equifax, XXXX and XXXX months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters. 

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy
Product: Debt collection

XXXX XXXX at extension XXXX called my work the phone was answered by another associate who reported he was rude and asked why she was afraid to tell him her name. The associate repeatedly told him that he was not allowed to call my employer he pressed the issue until my manager got involved. I am not 100 percent sure if this is about a credit card I have been harassed for 15 years for a debt I don't know of. I have been in good standing with my bills for 15 years and I have had numerous calls from numerous sources none of which can tell me who the original owner of the debt is.
Product: Credit reporting or other personal consumer reports

I was surprised when I saw a copy of my credit report, I've been a victim of identity theft.
Product: Checking or savings account

I opened an account in XXXX with Chase to obtain the checking account bonus of {$220.00} for opening an account and direct depositing {$500.00} a month for XXXX months into that account... The promo code entered was XXXX. 

Every month {$500.00} was deposited into that account from my employers account, and when I called Chase to ask why they hadn't funded my bonus yet they stated that my employer was not an employer... Which I have evidence directly refuting that claim attached to this complaint. 

I would like my {$220.00} bonus for completing the requisite milestones to complete the bonus... You have refused to provide my money citing incorrectly the validity of my employer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX. By law it requires more than three members, managers and employees, so the bank is incorrect in stating I am a sole proprietor as the reason to deny paying me my bonus. 

Pay {$220.00} or go to court
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was released to the public in the XXXX data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquired with Equifax and XXXX to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and Equifax a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and Equifax were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over XXXX points. 

Best Regards, XXXX XXXX
Product: Checking or savings account

I switched to Capital One about 5 months ago to use their high yield savings account and travel credit card. All of my money is hard earned from my job. I use XXXX to send money between me and friends as normal, but I have never done anything fraudulent. Capital One decided to freeze my account on XX/XX/year>, and end my relationship with them permanently, but they will not tell me why. I offered to show proof of anything they may need, they said they do not care, and the decision has already been made. My money is still frozen, both checking AND savings ( which is about {$25000.00} total ) and they will not tell me when I will be able to receive a check with my money. Mind you, all of my money to my name is in the account, meaning I can not buy groceries, gas, or pay my bills with my money. Capital One has provided me with no explanation besides my account shows " risky activity '' but won't explain what it is or let me explain anything. So ridiculous, I need help to get ALL of my money unfrozen and back in my hands ASAP. I am a hard worker in the construction industry, and I worked very hard to save up my money. I have no late payments and have done nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with TransUnion LLC since XX/XX/2023. They are failing to update my legal name change with the credit bureau and this is causing many issues. They now have two existing credit file accounts for me under two different names. My previous legal name and my current legal name. This is fraud and incorrect information that they are liable to immediately correct. They also keep sending me updated credit information on my current legal name which is unhelpful because they are not including my whole credit history with also my previous legal name. Right now they act like I have only had credit for 1 month are you kidding me TransUnion! My previous legal name was XXXX XXXX XXXX. My current legal name is XXXX XXXX XXXX. I have spoken to them numerous times since XX/XX/2023. The last person I spoke to was XXXX XXXX the supervisor for customer service CCD department. I also overnighted the court documents for this legal name change and I also sent in my updated ss card and DL. They have everything they need. They also are required to send back my court documents which they haven't and have had them for 1 month. They are no help over the phone and I have to wait hours to even speak with someone that most likely has no idea how to handle this situation. This is ridiculous causing way too many problems in my financial life. Please help me resolve this
Product: Debt collection

In XX/XX/XXXX, I signed a 3-year contract with Lexis Nexis so that I could use their legal research services. I owed a monthly payment under the contract of {$130.00} ( {$4800.00} over 36 months ). Then, on XX/XX/XXXX, Lexis Nexis cut off my account and canceled my contract. On XX/XX/XXXX, I asked in an e-mail why I couldn't access my account. Lexis said it was because I signed a 1-year contract. I also called customer services, who likewise confirmed I did not have a contract with Lexis. Then, on XX/XX/XXXX, XXXX offered me a new contract. They did the same on XX/XX/XXXX and XX/XX/XXXX. I refused to sign a new contract with them and instead signed a contract with XXXX. 

Then, Lexis starts sending me notices and warnings to send me to collections for failing to pay XXXX, XXXX, and XXXX bills. I inquired why they were still billing me, and they denied every cutting off my account. They said there was a " mistake '' in the " system '' and that my account was only cut off from XX/XX/XXXX to XX/XX/XXXX. They have not acknowledged the e-mail they sent on XX/XX/XXXX. They are now threatening to send my to collections for failure to pay for services XXXX, XXXX, or XXXX. 

In short, Lexis cancelled my contract and froze my account. Then, 3 months later, pretend that never actually happened and demanded that I pay for those 3 months.
Product: Mortgage

Year after year I receive threatening emails from XXXX XXXX about my hazard insurance on my home. I do not escrow and pay my annual insurance each year in full. XXXX XXXX does not check with my insurance carrier as they supply the information to XXXX. I am fed up with these threats as I am a responsible mortgagee. Statements like " we plan to buy insurance for your property '' are not welcome and have no basis until XXXX can truly prove I do not have insurance.
Product: Credit reporting or other personal consumer reports

Capital One is committing Security Fraud and is violating me by taking adverse action on me & reporting my private information to third parties which clearly violates the Privacy Act pf XXXX. Within me and Capital One agreement it clearly states they wouldn't give my information away to third parties. I would like for them to only report " updated, paid as agreed ''. I have revoked Capital One Power of Attorney more than once so it's no reason for them to close my account illegally without having Power of Attorney over it. They are illegal trying to steal my interest payment from my bond they sent me. The coupon clearly shows they amount of interest collected on the bond/investment but when I tendered the coupon according to the Uniform Commercial Code, they told me they don't accept that. Within Capital One prospectus and even reading their trust indenture agreement they clearly state about the discharging of debts. Capital One is violating the Security Exchange Act of XXXX & XXXX and also the Trust Indenture Act of XXXX. Their Trust indenture agreement with the SEC to even deal with securities is being violated also. Also 18 U.S. Code 8 - Obligation or other security of the United States defined : includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Capital One has taken adverse action on me illegally when I don't owe, and your company is violating 15 USC 1692j - Furnishing certain deceptive forms and I have proof with your statements sent to me. If we have to arbitrate over the matter, we can and since we are dealing with securities if we have to litigate it will be in federal/Chancery court. Also, if we can't resolve this matter, I am hitting your company with a Notice of FEE SCHEDULE for many violations on top of using case law and the relevant matter of being sued by the CFPB due to cheating consumer out of interest payments.