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

My credit profile was updated to show a delinquent account was removed from my credit reports including XXXX, Experian and XXXX. After the delinquent account was removed, the action dropped my credit score significantly. A delinquent account removal should never decrease scores! This action is a positive change but instead is negative. I believe that these reports are false and I request my profiles to be properly updated.
Product: Credit reporting or other personal consumer reports

I was stunned this morning to discover that inaccurate accounts have appeared on my credit report, and I have no clue why. I always keep an eye on my report, but today, there were unexpected discrepancies. I tried refreshing the page, thinking it might just be a glitch, but the errors didnt go away. This situation is really troubling, and I ask that you carefully review the documents Ive sent so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

Spring Oaks Capital

has engaged in abusive, deceptive, and unfair practices, violating the Fair Debt Collection Practices Act ( FDCPA ). They have furnished an account that I never agreed upon and did not sign any agreement for. A valid legal contract requires the signature of both parties, and I had no involvement in this account. Additionally, they failed to follow the required 5-step validation process, further demonstrating their unfair practices. I was never notified of any alleged debt with this company. Upon contacting the original creditor listed on my credit report, I was
informed they could only locate an account under the name " XXXX XXXX, '' which is not my name. My legal name is XXXX XXXX. 

If the original creditor can not verify this account using my legal name and Social Security number, it is questionable and unjustifiable for Spring Oaks Capital to report this account on my consumer report.

Under the FDCPA, I am entitled to {$1000.00} per violation, and it is clear my rights have been infringed upon. I demand that Spring Oaks Capital immediately delete this account from all three credit reporting agencies and provide appropriate compensation for these violations. Should this not be resolved promptly, I will have no choice but to escalate this matter to my litigation attorney. The true bill is attached and payment is to be remitted to the address on the attached invoice.
Product: Checking or savings account

On XXXX XXXX,2017 I put 2 stop payments on two ACH debits per instructions of Citizens Bank of XXXX NH ( that is by phone ), with specific instructions that the companies might try to change the date, amount, and check number in order to wheedle them through my account. One was not paid and the other was. It was, because it came in a day earlier and with a different amount, but 2 days after the stop payment was put through. At the time I made the stop payments I was clear about this might happening, It was recorded so by the bank gentleman I spoke to. I received copies of the stop payment notices with incorrect information on them. additionally I was charged {$70.00} for the 2 stop payments. Because this was over the XX/XX/XXXX holiday and I was away, I kept sending email messages on my phone through their mobile banking to inform them of the errors. I received a letter saying I should not use email for these complaints. But time was of the essence. I now have {$1.00} in my account until I get paid at the end of the month. Plus I am unable to pay any other bills.
Product: Credit reporting or other personal consumer reports

According to my understanding, FCRA 605B obligates us to eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts contain reporting errors, with inaccurate amounts and dates.
Product: Credit reporting

My husband and myself have been fighting identity theft for months and it seems we have gotten everything take care of except " inquiries '' i have made no inquiries on my credit report and there should be no new inquiries for me other than target. Any other inquiries for my credit are fraudulent and i have mailed about this before
Product: Checking or savings account

I am complaining about Truist bank taking so long to resolve my first complaint that was placed on XX/XX/23. Just a reminder I was trying to contact Truist since XX/XX/23 until I found out about this website. I heard from one person at Truist on XXXX, who stated that it would take 2 weeks to get this resolved. I have never heard back from him or anyone at Truist in reference to my account. My account is still frozen and they have withdrew money with out contacting me or asking questions. I also do not know where the money went to. This account has been frozen almost 50 days with no resolution. You can not speak to a manager or anyone that can help. There is an general email but no one answers you. I now have late mortgage payments and monthly bills becasue of the lack of work ethic on Truist. I know that this is not legally right by them. All other banks turn over is 2-3 weeks. They are a large corporation that should have the man power to get results quickly for their account holders. Also, they are charging be services fees while my account is frozen. There has been no activity since XX/XX/23.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX {$32.00} OPEN BAL XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  {$64.00} BILLING ERROR AS DEFINED IN 15 U.S CODE 1666 B FAILURE TO FURNISH WITH A STATEMENT 21 DAY PRIOR WHICH OUGHT TO RENDER ANYRAMIFICATION OF LATE PAYMENTS REGARDING THE LINKED ACCOUNTS ( 4 ) THE CREDITOR FAILIRE TO REFLECT A PAYMENT MADE BY THEOBLIGOR OR A CREDIT ISSUED TO OBLIOGOR ON A STATEMENT. ( 5 ) A COMPUTION ERROR OR SIMMAR ACCOUNTTING ERROR MADE BY THECREDITOR O A STATEMENT FOR ACCOUNTS LISTED
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my address information on my credit reports with Transunion, XXXX, and XXXX. I have only one current address that should be on my account and all the other addresses should be taken off. I have filed many disputes even to get my credit reports correctly updated. My student loan accounts on my credit are numerous for one company XXXX. When I should have only XXXX account for my student loans. But its spread out on my credit report. I want that fixed as well. Lastly, I have disputed companies on my credit to verify that the accounts are involved in litigation and once their investigated it still says its correct but its not most of the accounts are involved with litigation and should have been removed from my credit but there still there. These companies or XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and the XXXX company. My current address is on my license.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report it is saying that the balance on my XXXX by XXXX XXXX credit card is XXXX $ and this is false. The balance is XXXX dollars. When the account closed on XX/XX/2022 the balance was XXXX dollars and the balance is still XXXX dollars. 
Kindly update account balance on my XXXX by XXXX XXXX credit card to XXXX dollars owed
Product: Consumer Loan

In XXXX, i signed an agreement to be a coowner on a auto loan with someone. The original lender was XXXX Bank. They are now Ally Bank. I 've paid this car note on time XXXX the term period which ended in XXXX. The primary borrower on this loan made an agreement to keep the leased vehicle and convert it into a loan with only the primary borrower on it. This agreement was made when the company was XXXX. This request was not honored and the vechile was returned to Ally Bank. Without my knowledge or consent, the primary borrower made an agreement with Ally bank concerning the surplus charges that were owed. I did not agree with this nor was i advised or asked to sign anything concerning this. I made the required payments in which i was obligated to pay. Never a late payment or bad history. This is on my credit report and it should not be, I never agreed to anything concerning the unpaid amount or surcharges. My name should be removed from this debt since the primary borrower has agreed to pay this debt. The agreement did not involve me.
Product: Credit card or prepaid card

I was defrauded {$2100.00} from a Discover Card merchant named XXXX XXXX on XX/XX/2021. I provided evidence proving that I was defrauded, but Discover Card ignored the evidence and wrongly sided with the merchant. Discover Card has profited from this fraud by wrongly charging me monthly interest on this fraudulent charge of {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, equifax, AND XXXX  of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.
Product: Debt collection

XXXX XXXX There was a letter mailed to me to attempt to collect a debt that I do not have in the amount of XXXX. 

I called XXXX and got my original information and I owe which I made a payment arrangement with XXXX for the amount of XXXX. 

Please have this taken care of and removed I am not responsible for this debt XXXX XXXX
Product: Debt collection

I recently received a copy of my credit reports from the XXXX credit bureaus and I noticed an account in collections from Franklin Collection Services in the amount of {$220.00}. I contacted the collection and requested verification of debt but all I received is a bill. There is no breakdown of charges or signature. I have disputed this and requested in depth verification of this debt but I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX # 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: Bank account or service

I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction
Product: Credit card

RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Credit Reporting Company their job is to make your credit report available yo you. Their computer system software is totally inept. You are sent information to view dispute results when you go to this page it never loads your dispute results, there is always one error message or another. Have tried multiple times at different times of the day and night to accomplish said task. They are incredibly hard to get on the phone, all the time, only by tricking their phone system can you get to a live person. Their version of a credit report is nothing like the other two agencies, it is very hard to understand and read, it is excessively long compare to the other two. I have never ever been provided a score by Equifax. Getting them to do what they say they will and are supposed to do is very difficult. I have previously asked for them to be mailed and never received them, requested again today, but I have no faith in Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/202XXXX XXXX
Product: Student loan

I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ).

There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX XXXX of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. 

I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. 

As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Experian expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX, I am a Transferwise customer with email address XXXX Transferwise has deactivated my account with over XXXX XXXXXXXX XXXX without refunding to me. 

Each time I tried to appeal by submiting my bank details in the wise appeal website, I got an error message that I need to send email to XXXX XXXX XXXX  which I did with subject " My Refund Details '' and tickets number XXXX was given to me on XXXX XX/XX/2022 containing my bank details which I need wise to send my refund to. 

I also sent email to wise support email which is XXXX XXXX XXXX containing my USD bank details and instructions on how I want my refunds to be sent to me, but I got no reply. The subject of my email to wise was " My Refund Details '' and the date of correspondence was XXXX XXXX, 2022 I will share the details of the instructions I sent to wise here My decision is as follows ; XXXX. That Wise to convert all the funds that was leftover in my Wise account to USD and send to my USD bank details below : Bank Name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX. I also need wise to cancel any pending transfers on my account and move the money to my refund bank details Which is stated in decision number XXXX. 

This means if there was any pending transfers to any beneficiary before my account got deactivated, wise should cancel those transfers that wasn't completed and send the amount to my refund Bank details which is Routing Number : XXXX Account Number : XXXX. 


I want wise to respond in timely manner and send me my refund and provide the refund receipt to this complaint
Product: Vehicle loan or lease

I am currently paying over 18 % APR with my car that was purchased from XXXX .The auto loan that they chose for me is Exeter Finance .I have been making payments on time and due to my high APR, I have been trying to pay it off as quick as possible .The first few payment I made over phone calls, I paid sometimes {$1000.00} .sometimes {$2000.00} .My monthly auto payment is {$390.00} something .I told the representative to pay my monthly payment and then put the rest of money towards my principal reduction .The first few times it was done right .And not until recently that I made my payment again and told them to again put the rest of money towards principal, they failed to do that .And I checked my online account, they did not do what I told them to do .The {$1600.00} that I called over the phone to make two payment was supposed to all go to principal, But they did not do it at all .I at least called 5 times to talk to them about fixing this issue and they all told me they will fix it and they would have their manager do it and I would be able to see that on my account reflecting the correction within 24 to 48 hours.But nothing ever happenedThey still did not fix it and I was so upset that I called again asking to talk to the manager .Again, no surprise the manager promised me she would fix it and asked me to come check back in next 2 days .I gave it 6 days and today I checked back my account again, they still did nothing .I was so upset and do not want to trust them ever again because of the worst experience I ever have with customer service I am paying still up to today the interest rate that I was not supposed to pay .They are robbing their customer so that this way they can get more money that they actuallly should not have been making!!! EXTREMELY UPSET WITH THIS COMPANY!!!! WROST FINANCE SERVICE THAT ONE CUSTOMER CAN GET!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' these items through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify these items so they deleted them from their database. 

I then went back to Transunion and provided them documentation from XXXX XXXX stating the bankruptcies have been deleted and also informing them that if they could not reveal how they truly verified these items they must be deleted according to the FCRA. They have continued to deny my request to remove these erroneous items. These items should be deleted from my Transunion report just as XXXX and XXXX have already done so.
Product: Debt collection

XXXX ic system Someone was calling all day long from different knows an I ask one person can they send me copys off the bills because I move from there an my light bill should been cut off. Not shut off