23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : For no explainable reason, Experian CONTINUES to decrease my XXXX score with NO NEGATIVE reporting on my credit Report!. I went from having a XXXX credit score on or about XX/XX/2023 to a XXXX credit score on or about XX/XX/2023, THIS MAKES NO SENSE!!! All of my bills are paid on time, I have nothing negative on my credit report and I traded in my vehicle ( XXXX ) for a 2023 model and my payment increased about {$15.00} per month, NOTHING ELSE! I financed with the EXACT same company, XXXX XXXX and everything is the same. These credit reporting agencies XXXXXXXX XXXX XXXX NOT be allowed to INTENTIONALLY lower your credit score that FORCES the consumer to pay HIGHER interest rates and the credit reporting agency may benefit Financially from there illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Checking or savings account

My funds have not been released for my direct deposit. The funds are indeed available but due to a Capital One server error funds have not been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX ( {$100.00} ), and XXXX XXXX {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to Experian, XXXX, and XXXX  about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, Experian & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. 

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Product: Debt collection

It appears national credit systems reassigned and re aged this account, no verification or investigation to ensure maximum accuracy before reporting. I called several times after XXXX  refused to investigate thoroughly because i told them I do not permit the use of XXXX XXXX when disputing this account. I spoke to XXXX at national credit systems, kept me on hold for 40 minutes, very rude and threatened to send me to a supervisor because I asked to update the address on the account in order to recieve the information used to verify this account, XXXX refused to give such information and demanded I call XXXX. Also XXXX refused update my personal info.
Product: Credit card

For my Miles & More end by XXXX, I submited additional material on XXXX and the security team said I'm approved. However a month later the Barclays told me the card is not approved. 

I no longer want this Miles & More credit card bceause of this unbelieveable service provide. However, recently I received the annual fee bill from Email notice. I would like to ask Barclays close this card immediately and waive all fee since the customer service declaread " it is not approved ''. 

I had try to call the president office relative staff many times and send response throught XXXX  but I never can get touch with anyone. The due date of payment is XXXX, XXXX, which is today. I also need to ask remove the late payment notice from my credit card report since this is not my fault.
Product: Credit reporting or other personal consumer reports

I had taken out a loan for a car through XXXX XXXX  on XXXX of XXXX. I paid the car off completely and on time every month. It did not show up on my credit after contacting Experian, XXXX, XXXX through here they were of no assistance. When I speak with XXXX  they told me that it is up to the credit bureaus to report the loan. I have been stuck and this is a big loan that I have worked hard to pay off. The account number is XXXX. For a XXXX XXXX XXXX XXXX. The account was a total of {$29000.00}. As of XXXX of this year it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/2025 I recieved an email from XXXX XXXX XXXX XXXX credit dept. with an alerting notice that informing me of Transworld INC also a phone number. I responded by calling the number to inquire the reason for the bank notifying me. I speaking with the person I connected with he proceeded to ask me my address, my email, also the last four digits of my S.S. number, he asked me for my phone number he said he would send a txt msg to verify my number. He requested from me money payable to him by charging my bank debt/credit card before he would provide me with any information. He said, unless I paid the money he would not disclose to me any to none information regarding the cause of the bank 's alerting notification to me, he tried to assure me stating the call was being taped. I declined to continue and disconnected the call.
Product: Mortgage

My mortgage company is Wells Fargo. I received a loan modification in XXXX XXXX for XXXX properties-my home on XXXX XXXX, XXXX XXXX and my rental in XXXX, XXXX. The loan modifications expired XXXX XXXX. I was still unable to pay the full mortgage and requested another modification, which was denied/ignored. I continued to pay the modified amount, but the difference between the modified amount and the actual loan continued to accrue. Finally, Wells Fargo contacted me and requested documents. I submitted pay statements and other financial documents. I was given a payment plan for the rental property only. I began to pay XXXX/month for the rental, which covered the mortgage and the amount in arrears. However, the mortgage payments were $ XXXX/month. I also requested a payment plan for my home in XXXX, but Wells Fargo did not give me a payment plan. In XX/XX/XXXX began to pay the full mortgage of $ XXXX/month and I requested a refinance so the the amount in arrears could be added to the end of my mortgage. Wells Fargo did not respond. Now, Wells Fargo is requesting the full amount that accrued when from XX/XX/XXXX to XX/XX/XXXX. They have never given me an opportunity to modify the loan or refinance the loan.
Product: Checking or savings account

Chase checking account opened without consent. Received debit card to our house for activation. Began report.
Product: Credit card or prepaid card

XXXX XXXX closed my complaint thinking it was a duplicate. It's not a duplicate and this new issue just happened. Maybe I wrote to much in my previous complaint and it was over looked. But the new issue is still with the card, but in fact that the amount they REMOVED which was XXXX and credited my account was added back increasing my balancing once again. 
Now, I am seeing a balance transfer in the amount of {$320.00}. Increasing an already high balance. I am not understanding what was the need of this transfer if it was credited, if I suggested to close the account, and XXXX some how forgot. Now this new balance increase, has affected my credit score which doesn't look good when I have been doing what I said I would do, which would be pay the balance. Later in the letter, it states that " The only balance you are responsible for is on account ending XXXX. Which at the time was not {$2300.00}. This is beyond ridiculous. This in fact is not a duplicate. Nothing was resolved, with them adding money back into my account. The information I have attached shows proof of what I am speaking of.
Product: Credit reporting or other personal consumer reports

The debt has been settled and the IRS from XXXX has been accepted and received by your company. See to it your indenture trustee completes their fiduciary duty and settles the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I satisfied my account with Jared / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX PA. I have attempted multiple times to get a letter from Jared / XXXX directly showing my account s a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
Product: Credit reporting or other personal consumer reports

I have disputed my Hard Credit pulls and they refuse to investigate. Dated letters mailed multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to contact XXXX XXXX about the account that is being reported across all 3 credit bureaus, and the incorrect reporting of missed payments. I have been given phone numbers that no longer work, or addresses that are no longer in service to XXXX XXXX, yet if one wanted to apply for a loan, those services are still available, but corporate will dodge you at every turn. They are reporting multiple late payments that are not correct in any capcity.
Product: Student loan

This is a continuation of complaints filed regarding the collection of my alleged student loan from multiple debt collection agencies. It appears that, once a CFPB complaint is filed against XXXX collection agency, XXXX XXXX simply assigns the debt to another collection agency. Prior case nos. include XXXX ; XXXX ; and XXXX. 
I have determined that, in the newest set of phone calls, I am being contacted by Regional Adjustment Bureau ( RAB ) who has made call to various third parties asking for my personal information including my maiden names, marital status, work address, personal address, and have revealed that they are attempting to collect a debt and are trying to communicate " an offer '' to me. Interestingly, they have MY phone number and email address where I have requested that all communication be in writing. 
Specifically, they have called and requested information from the RECEPTIONIST at my office and have not called ME and left a message at all. The attempt to speak to co-workers and reach me at work is an attempt to embarrass and harass me as they have no actual intent of extending any " offer '' to settle our dispute given my prior demands. 
Recently, through 3rd parties, I had been given a name and number ( XXXX XXXX - XXXX ) who was attempting to communicate " an offer '' to me. When I called this generic number, " XXXX XXXX '' was conveniently on vacation but another fast-speaking debt collector demanded identification information. Since random collectors have no historic information about my challenges to the amounts owed, I told them that I would call XXXX XXXX back. Having done so on multiple occasions, I doubt that XXXX XXXX exists. 
I would reference and incorporate the prior complaints made to establish the long standing dilatory tactics used to collect this debt rather than providing me with the documentation I had previously requested, including ( but not limited to ) the details of an {$11000.00} payment received on the debt that was not credited to my account, and the explanation of late charges on my account AFTER payments were received which continued to accrue interest, etc etc. 
I have communicated my own offer to compromise with XXXX XXXX and its debt collection agency XXXX, without any communications in response. 
The contact with 3rd parties who are requesting my personal information must stop. The contact disclosing their attempt to " make me an offer to resolve a debt '' must stop and is in violation of the FDCPA and TCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus to have these accounts removed from my credit profile : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting any proof of debt or signed document by me that validates the debt and it's been over 90 days. Laws in 15 USC 1692 have been violated by the company 's actions and I request you to remove these negative accounts from all bureaus IMMEDIATELY! I will be looking to file an suit and complaints with FTC because my rights and livelihood has been affected by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$20000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2XXXX XXXX
Product: Credit card

Bank of America XXXX BA ) lied regarding interest charges. The contract on promotional balance transfers clearly states that any payment above the minimum payment is applied to the highest/older interest balances. This was also repeated verbally by BA representatives upon an additional balance transfer on XXXX/XXXX/15. We paid off the older balance of {$5000.00} before the promotional expiration date of XXXX 2015, but BA started charging interest unjustifiable. After complaining each and every month of this, each representative told us that this was a computer glitch, that we were not the only customers affected by this, and that the glitch was going to be fixed by XXXX/XXXX/15, and all interest charges would be reversed. Upon calling today, XXXX/XXXX/15, to verify that the glitch was solved, the BA representative told me that there was no glitch, and that I owed interest from the previous balance, which has been paid in full which can be verified through my bank 's records. I have closed this BA account, I am in the process of transferring the full balance somewhere else, with the exception of the interest charges that I am hereby disputing.
Product: Consumer Loan

False credit reporting and violation of FCRA, Toyota is reporting me currently 30 days late and I have been denied credit numerous times because of this and I can not get them to correct it. This loan was paid off in XX/XX/XXXX and yet it shows 30 days late on my XXXX Report. 


XXXX XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment Status 30 days late Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Closed Creditor Information TOYOTA MOTOR CREDIT CORP XXXX , GA XXXX Phone # : XXXX
Product: Debt collection

XXXX at Convergent has been repeatedly calling my husband while he is at school and work. My husband recieves multiple phone calls a day, from the same gentleman. I asked for not to call my job regarding personal matters. I was assured that they would remove my work number from the list. Today, I recieved an email from a secretary stating please call XXXX with a number.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ), specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform.

Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress to make for these violations
Product: Payday loan, title loan, or personal loan

In late XXXX I applied for a title loan with loanmax in XXXX XXXX Nevada. On the first day I was told that I was approved for the requested amount that I requested in which was XXXX and that I would have to make necessary changes to my title which was a not an the state of Nevada was still titled in Maryland so I would have to go to be given the Nevada and have it titled and bought I would be able to move forward with the receiving of the money so she went ahead and told me that my monthly payments would be and gave me the in the print out for everything that I needed to do at the DMV, I went to the DMV the next day the deadline on I went back to the Lomax location the very next day I believe I provided all the necessary documentation and then on course I was surprised at the loan amount when the payment amount was there at XXXX but I thought it was a mistake and I was just going to read it through later because I was in a rush and I was going on a group trip and I was already late so I was just going to read it through and just know you make that correction and look to it later so I further look through it and and and saw that that wasn't a correction and really true in these two aspect that I was being brought through with this loan and I'm being taken advantage of my whole income is basically {$2000.00} and they're basically saying that my loan amount payment is {$2000.00} so how would I afford to pay my car insurance my health insurance my other utilities with pain this loan and everything else so it didn't make any sense how what I agreed to that so I don't understand why I would agree to that before I would fit in yesterday and I would read that before I would sit in VA and why would I accept those terms so I was over I felt like I was over burdened with you know a chance with the get approved with no money and that I desperately needed and if you know what to necessarily do and I attempted to call the try to explain the situation to them what they did to me and they blew me off and said that I signed a contract and I knew what I was doing and I signed the contract when I knew I came in the first time when I told them I did not find the contract because nothing was written down when I came in the first time because if I knew when I came in the first time I would've known what I was getting into the first time they visit clear understanding so I do believe that there is some taking advantage of and I do have a XXXX XXXX with math so I I do XXXX there is some some some fraudulent taking advantage of with my income and saying it only being XXXX and them saying that I have to pay basically XXXX as it is as it is in a car payment every month how my supposed to survive I'm not sure and they don't care though I'm asking for some type of help in some type of solution trying to get back to hopefully a sphericity 's original sin of the original plan of what we had with me know that XXXX dollars and XXXX different XXXX  dollars and you know go from there at least I can agree with that XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was completely blindsided when I saw inaccurate accounts listed on my credit report, and I have no idea how they got there. I always check my report, but this time there were errors that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be a mistake, but the incorrect information stayed there. I really hope the documents Ive submitted are reviewed properly so I dont have to keep worrying about this.
Product: Consumer Loan

I live in Michigan. I have a title loan that I have paid over {$2000.00} in fees. I am 12 days late and I still owe XXXX on original loan. They have not taken my car but are texting me that legal action is going to happen. Do I have any recourse, since my original loan was for {$800.00} and every month I have to pay over {$200.00} and it does not touch the original amount. Please respond quickly as I need to know if I have any recourse what so ever.