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

XXXX XXXX has been inaccurately reporting on my credit reports for XXXX  years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX  after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last XXXX  years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to XXXX.
Product: Credit reporting or other personal consumer reports

Accounts includes XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, to say the least. These accounts range from under {$300.00} to {$8000.00} each. For some I was able to speak with the original creditors attorneys after being served with court documents where I had to provide them with a police report showing ID theft. I am still awaiting their review since they motioned for a continuance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was impacted negatively from XXXX XXXX XXXX XXXX/XXXX reporting to my credit that i was 120-149 days late in XX/XX/XXXX. This was reported in in XX/XX/XXXX. I have since put this account on automatic payments directly from my checking account. Back in XX/XX/XXXX I was between checking accounts and was working with them to be put on an IBR payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.
Product: Credit reporting or other personal consumer reports

On my credit report, Experian is reporting that I own money to XXXX. That is not correct and I sent them certified court records that XXXX tried to sue me, but they couldn't proof anything and the judge dismissed the case.
Product: Debt collection

I was leasing a washer/dryer through Acima Leasing . I decided to fully pay it off to avoid paying double the cost of the appliance. The final payment was {$350.00}, the first try of the payment failed. The second payment was successful, until I got onto my banking app on XX/XX/year>XXXX  and realized that they took the payment twice and my account was now negative {$200.00} and change. I called Acima on XX/XX/year> and they said they dont have my money so they cant refund me and then proceeded to blame the double payment on my bank and technical issues that they wouldnt be able to resolve until Friday XX/XX/year>. I had to call my bank and they said I would have to wait until the charges fully went through before I could file a dispute, but I feel that Acima has stolen my money and I can not afford to be taken advantage of. I have other bills to pay.
Product: Mortgage

XXXX XXXX/ Lakeview should not be allowed to service loans, they dont seem to have the capabilities to do so. Primarily, they continue failing to process payments from my bank account. When I schedule payments they mark in XXXX as " posted '' do not draft from my account. I have confirmed routing and account number ; a XXXX rep was able to manually pull the payment in the past, yet scheduled payments dont work and they had to cancel my recurring payment to do so. This all now has resulted in a {$20.00} late payment fee to XXXX. I am now unable to find any support contact information on their website. They have also failed to contact me via phone or email on the matter, I just have to keep checking and have received letters a week or more after the fact. I have had no problems with XXXX, my previous loan servicer. As a result of XXXX 's terrible systems and support I'm now paying additional fees, wasting huge amounts of time and possibly damaging my credit.
Product: Debt collection

I requested to be sent a letter to validate debt from this collector as I was never sent a debt validation request letter from this creditor which is a violation of the FDCPA, also in the letter that they did send that does not validate this debt in any form they did let me know theyre charging interest under a California civic code which holds no jurisdiction in the state of Colorado nor have I ever entered a legal binding agreement with sequoia financial services. I also had seen they are referencing an address in Arizona, which I have also never held residency in any other state thanXX/XX/XXXX so this debt all seems very strange.
Product: Debt collection

ARS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Lendmark several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.
Product: Debt collection

Received a letter from  XXXX   XXXX . Upon speaking to a representative i regards to this matter, I was asked for my  XXXX   Pin Code.  I refused to divulge that information, as I did not contact  XXXX  directly, and due to security concerns. I received a statement from  XXXX   XXXX , and the statement only state one-time charges. There is no detailed information, in regards to the one-time charges. Also, I am perplexed as to how I ca receive a letter from a collection agency, as well as a billing statement from  XXXX  sixty calendar days later. Also, upon initial contact with this collection agency, I informed them this account was declared as disputed. Upon further contact by the same collection agency, I declared all contact with me was to hereby cease and desist immediately. I have not been informed as to the one-time charges, in question.
Product: Checking or savings account

I recently opened a Capital One 360 Checking account because I was attracted by the promotional bonus. I made my XXXX  deposit on XX/XX/XXXX. However, shortly after, my account was unexpectedly restricted. When I contacted customer service, I was told I needed to visit a branch in person within XXXX days to resolve the issue. 

Unfortunately, I was traveling abroad on a pre-planned vacation with friends. I asked if there was a strict deadline to visit the branch, and XXXX representative assured me there wasnt, just that I should do it as soon as possible. 

On XX/XX/XXXX, I called customer service again. The supervisor asked if I was using a VPN to access the app ( which I was, due to my travels ) and why I had opened the account. I explained that I was using a VPN while abroad and intended to use the account to pay my credit card bills. After a XXXX wait, I was informed that Capital One had decided to close my account and end the banking relationship with me. 

I feel this is incredibly unfair. I havent even had the chance to use the account, and there were no signs of fraudulent activity. I genuinely want to resolve this issue and hope to find a fair solution. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

validate the amount and the dates of debt, I do not own this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a " XXXX XXXX XXXX  hard credit inquiry that I became aware of based on an alert from my credit monitoring services via XXXX XXXX and XXXX. I pulled the hard credit inquiry contact information from my XXXX XXXX XXXX XXXX XXXX ( see attachment # 1 ). The " XXXX XXXX XXXX  hard credit inquiry 's associated address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX with a phone number of XXXX ( XXXX ) XXXX. Based on an internet search, this address and phone number appear to be a TransUnion affiliate ( XXXX XXXX XXXX ) based on the XXXX XXXX XXXX XXXX XXXX XXXX. See their XXXX  website : XXXX XXXX XXXXXXXX ( see attachment # 2 and # 3 ). When I call the above number, a voice recording indicated that this was indeed TransUnion and referred me to XXXX ( XXXX ) XXXX. I called TransUnion at XXXX ( XXXX ) XXXX and in a text chat with a customer service representative named XXXX, they said this was a request via TransUnion from a third party ( XXXX, not sure who this could be and I do not recognize this entity ) ; however, they couldn't explain why the hard credit inquiry 's contact information is for a TransUnion affiliate in California. This is unusual and I frankly don't trust TransUnion 's current explanation. TransUnion provided me with a file number, which is XXXX ; however, they did not resolve the issues. I believe that TransUnion has mistakenly initiated a hard credit inquiry without my permission or consent and that TransUnion needs to resolve this as soon as possible. Thank you for your assistance on this matter!
Product: Bank account or service

I went into the Navy Federal CU branch at XXXX XXXX XXXX XXXX XXXX, FL XXXX to do a withdrawal of {$3400.00} - they refused stating I had a charged off account. The charge off account was for approximately {$500.00} or less and I had already made arrangements to get this cleared up. They refused to allow me to make a withdrawal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 open paid perfect GM Financial auto leases. Gm Financial has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. XXXX says their system records the lack of repOrting as a serious delinquency. Gm Financial was absolutely no help and XXXX  wasn't much help either. I don't understand how GM Financial can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX, with a reported charge-off balance of {$580.00}. This account appeared on my credit report reported by [ XXXX, XXXX, and Transunion ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/2025, XXXX completed their investigation and deleted the XXXX XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account .this accounts is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me lo ensure accuracy. 
here is the item i am asking you to verify as accurate : Experian : ( XXXX XXXX ) ( XXXX ) XXXX : ( XXXX XXXX ) ( XXXX ) XXXX : ( XXXX XXXX ) ( XXXX )
Product: Debt collection

I disputed this because I didn't know what it is. On my report it says Transworld systems. not my debt
Product: Money transfer, virtual currency, or money service

PayPal issued refund to XXXX which I didnt authorize. As a result I was robbed of {$520.00}
Product: Credit reporting or other personal consumer reports

So my info got stolen from 3 Data breaches and I started disputing the first accounts and addresses in the beginning of XXXX  and experian said everything was verified I was very ill for the past 3 years and I didnt know how to file disputes correctly I think but then i disputed again and still they said it was verified and this time I had police reports identity theft reports and had let them know about data breaches and followed the steps to secure my identity the other 2 companies have removed them but experian still is reporting it and says its verified but its not I never heard of these before and I never lived in XXXX XXXX and when I could I couldnt afford the protection no more cause XXXX XXXX and under finance hardship so they stopped monitoring for activity and now theres more happening with my idenitu
Product: Credit card or prepaid card

***XX/XX/XXXXI placed an order with XXXX XXXX XXXX . I have dealt with this company for many years. 
***XX/XX/XXXX The payment of {$330.00} was paid on my Barclay Bank Visa to XXXX XXXX XXXX . 
XXXX tried delivering the package before the store opened ( new driver ). We asked XXXX to hold our shipment and we would pick it up, they agreed but an employee mistakenly sent it back to XXXX XXXX XXXX. The tea company was going to reship it immediately back to me but it was left in their warehouse by mistake. I then called Barclay Bank to hold the funds because it was approximately two months since placing the order. 
XXXX XXXX XXXX XXXX  reships the order. I called Barclay to release the funds. 
XXXX I called XXXX XXXX to say the order arrived, they said they had not received their money. I assure them that Barclay Bank said they would release they money. I had placed several calls to Barclay Bank asking why it was taking so long to release funds to XXXX XXXX XXXX. 
XXXX I called Barclay after hearing from XXXX XXXX XXXX to tell them they had STILL not receive funds. The representative said he recommends I give them a different credit card because Barclay Bank already refunded me back the money. I them took the advise and gave a different credit card to pay for my merchandise. 
XXXX Barclay charges me for {$330.00}. I call them and they explain they have deposited it back to XXXX XXXX. I tell them what the last person from Barclay Bank advised regarding giving a different credit card so would they please refund my money back to me. He tells me to have XXXX XXXX XXXX write a letter stating their side of things and fax it to Barclay Bank. 
XXXX XXXX XXXX XXXX  sends me a letter stating all the facts. 
XXXX I fax the letter to Barclay Bank . 
XXXX I called Barclay Bank and spoke with XXXX  . He said to wait because it may take time to decide whether they would return my money back to me. 
XXXX I receive a letter from Barclay Bank refusing to return my money and the representative said the returned it to XXXX XXXX on XX/XX/2020. I called Barclay Bank, spoke with XXXX and asked to speak to a supervisor but like the MANY past phone calls I have made, I get disconnected! 
XXXX I called the Accounts Receivable and Credit Manager ;  XXXX XXXX whom I have dealt with all along to ask once again if they received back the {$330.00} as Barclays insists. She again said no. 
XXXX My husband said to call a branch of Barclay Bank  because I was having such difficulty in communication. I called the branch in XXXX XXXX, CA. The man whom I spoke with said, There is no one to speak with, no one at all.
Product: Checking or savings account

On Monday, XX/XX/year>, I went to deposit funds in my account at Bank of America to pay rent. I deposited {$1500.00}, only to find out that the machine consume the funds, but would not credit my account and would not process the transaction. Since Monday night, I have been calling and fighting with BOA to get them to deal with the problem and they have done nothing. Theyve claimed they have no relationship to the ATM company and would get someone out there by Wednesday XX/XX/year> only to find out. They did nothing and have done nothing and I still am without my funds and my rent is still not paid. They refuse to respond. I have to call constantly and tomorrow have to now go there again because theyre doing nothing and claiming ignorance and a lack of responsibility and accountability. Theyre claiming now it could take XXXX to XXXX business days. THIS IS WHOLY UNACCEPTABLE. Landlords arent gon na put up with a XXXX much less a XXXX delay. Are they on drugs? What give them the right to XXXX every day consumers and yet think its perfectly acceptable to say this stuff??? How XXXX Bank of America get away with screwing me out of my money for XXXX months. NOT acceptable. Furthermore, I want every day that a late fee is imposed on me paid for by Bank of America. Lastly, Bank of America needs to be penalized for this XXXX. They have no right to pretend they have no relationship with an ATM thats sitting outside their facility that is on their property! This is outrageous. Unacceptable and CFPB, do the job you were put in position to do. Go after that actors like Bank of America. It is not acceptable in any shape or form!!!