23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spring oaks capital is a collection company is purchased a fraudulent debt from XXXX. In XXXX of 2021 I noticed that I had two accounts placed on my credit from upgrade. One being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all 3 credit bureaus. The credit bureaus removed the accounts and a few months later XXXX sold one account to XXXX XXXX collection and the other to Spring Oaks Capital. Both put the accounts on my credit report. I went on to dispute them and they were removed. Spring Oaks Capital continues to put this account on my credit report after being notified that it was identity theft. Spring Oaks capital is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having spring oaks capital removed from my credit for good.
Product: Checking or savings account

Wells Fargo mailed me a letter that said that I had opened an account. They mailed this to my home mailing address which I never use. I went to the local branch and they were very helpful and called someone at Wells Fargo to report the identity theft who gave me identity theft case # XXXX. They will not give me a copy of the application from and where and whoever applied for this opening of the checking account, as they state it was online. They have all of my identity that they captured/got from somewhere and I would like to know who, what, and where they got or stole my information. The only thing wrong when I asked the helpful lady at the branch was my drivers license expiration date and my email were both incorrect. Otherwise my social, home address, date of birth are all on it and correct even my home phone number I never give out. Given the history of creating fake accounts with this company is Wells Fargo back to their fraudulent methods new account creation methods? I also opened a case with XXXX County, WI Sherriffs office case # XXXX. 

My combined credit/FICO score went from XXXX on XXXX to a XXXX on XXXX. The credit reporting agency XXXX XXXX does not answer/or allow you to speak with anyone ( what a joke to put a freeze on your account. XXXX made me send them a copy of my drivers license and a photo of myself prior to putting a freeze on my account and tried to sell me some {$99.00}. credit monitoring to place the freeze on it. XXXX was easy to place the lock on the account after establishing a PIN number. 

Thanks, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting inquiries on my credit report that I am not familiar with. The accounts were never opened and active on my account. I have verbally spoken to company to resolve this issue but Experian has failed to follow through with removing these inquires from my credit report. Please have them to remove these Inquiries because I did not apply for anything from the accounts listed below. Thank You! 


XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is disrespectful when talking to them. They don't want to hear my reasons. I told them that XXXX violated the SCRA while I was XXXX  and the collection agency Jefferson capital system won't listen to me. They keep hanging up as soon I mention XXXX. Spoke to them multiple time and they just giving me an attitude.The amount is not right too. XXXX didn't not suspend my account event when I told them that I'm deploying. So both company will not work with me.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Product: Credit reporting or other personal consumer reports

I am looking to dispute that they do not have my authorization to report any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts XXXX XXXX XXXX and XXXX CARD which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no option for me to select so I had to choose the closest to my issue. But I have an issue with Credit Karma. Foremost, For years, the platform has reported higher credit scores to myself. So accordingly I have applied for loans, financing on a vehicle, as well as applied for credit cards that say I have excellent approval, yet I am turned down. Which brings me to my second complaint : The platform informs me that I have excellent approval odds for a credit card, but when I apply I am denied. Therefore taking another huge hit to my credit score because the card company is running my credit to see if I can be given the credit card. This has been happening to me for the last 5 yrs at least and I cant get ahead because I continue to tarnish my credit with hard inquiries. Something needs to be done about this and I would like some major assistance in some way on these issues. This is a two pronged issue : higher credit scores being reported false approval odds for credit cards that later deny my application causing me to take hits to my credit. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal follow-up to my initial dispute regarding the XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX. While you verified this account as accurate, a closer review reveals several discrepancies in the way it is reported. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) and must be corrected or the account must be deleted.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and these specific debts are stuck negatively impacting my credit making it hard for me to obtain new credit.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XX/XX/XXXX. I noticed some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

I would like to obtain a report once inquiries are taken off.
Product: Credit card

In XXXX of this year I inquired about opening a Citi Double Cash credit card to reap the benefits of 18 months 0 % interest on balance transfers. I received an email, attached below, confirming the approval for the account. When the card arrived in the mail the card number would not let me log in. Upon further calls to the company another account was found linked to the card. I asked if they could send me the correct card and cancel the one that had been sent to me. The team member on the other line told me closing the account would potentially negatively impact my XXXX XXXX. Instead they offered me a promotional for opening a second account and cash rewards for using the second card. Though I did not open this account or intend on using it I made peace with getting money for having the second account opened. 
Before leaving on vacation for XXXX break I contacted Citi Bank to inquire on receiving the original first credit card and to let them know I would be using the second while out of town and then out of country. Upon arriving back home the card was hacked shortly after and I still did not have a card for the first account. Citi bank contacted me and we agreed to cancel the card and issue another. 
After that conversation, my app for blocked due to security reasons to which I called the company back and let them know I had spoken to someone about the issue. The woman on the other end told me the card was still open and nothing had been sent out. We then worked together to get my original and replacement cards finally sent out. 
After all of this the Monday before XXXX I received XXXX Citi Double Cash cards in the mail attached to XXXX different accounts with my name on them. I called today, XXXX XXXX XXXX, to try to get clarification and spoke to a XXXX but still did not receive any information as to how another account was opened to transfer funds into, a previous account was canceled or why I had not received any perks for having this second account opened without my consent.
Product: Bank account or service

I opened a citi gold checking account on XXXX 2016 in that I received the offer for " get XXXX Thank you points by opening citi gold checking account and make 2 qualify bill pay activity ''. I opened the required checking account and made required bill payments. However, when I call them again in XXXX and the citi bank customer service said I was not qualify for this promotion. Nevertheless, when I called in to open the account with the promotion, the customer service representative did not say I disqualify the offer. Now they refuse to give me the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFCB Previous CFCB complaint id # XXXX has been solved. On XX/XX/2023 after I uploaded my court orders into the XXXX system Equifax corrected the problem on that issue. 

However, XXXX, there is a new issue that Equifax refuses to correct. I am unable to create an XXXX account. 

My account come up as a no hit meaning my file can not be located or seen. 

The reason I am approaching this issue with the XXXX, is because Equifax has refused to fix the issue. 

I called into equifax 2 days ago ; and the Equifax agent XXXX XXXX asked me to resend my court orders again. XXXX XXXX XXXX said he will call me back inside if 24 hours. XXXX XXXX never called back. 

XXXX, I will be loading documents on this platform for Equifax to view. 

I ask the Equifax remove the blue tag from my file and allow me to see my file using XXXX Everytime I call into Equifax, they ask me for the same exact documents everytime. It appears their departments are not communicating with one another properly. 

As my file is coming up as no hit across all platforms It is impairing my ability to be validated on other platforms such as XXXX and has impacted me severely in many aspects. 

XXXX, I would like to have access to my file on XXXX enclosed are documents necessary to validate me. please see attachments and ask Equifax to lift all restrictions on my account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a third party is refusing to remove account this has been proven by XXXX XXXX  to be incorrect i have provided them wirh docaments
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX is reporting an account on my XXXX, TRANSUNION AND XXXX XXXX report. 15 US Code 6802 disclosures thats financial institution may not directly or through and affiliate ( XXXX, TRANSUNION, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. 12 CFR appendix B states that a company must displace notice of reporting information ; that was not provided. 15 US code 1692 states without my consent the consumer may not communicate in connection with any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus the Nexus XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.
Product: Credit reporting or other personal consumer reports

So I have called XXXX. Equifax. And. XXXX. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.
Product: Credit reporting or other personal consumer reports

I have disputed so many items on my credit report and they always said it was no change or everything was correct. I disputed XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, the late payment from XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and so many more. It would come back in a day or two that everything was correct when I know it isnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continues to report inaccurate accounts on my credit report.
Product: Debt collection

I have been contacted several times in the last week by XXXX XXXX regarding a supposed debt with Wells-Fargo. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Account type : Debt Buyer - Original creditor : SPEEDYCASH Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year 2018. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With National Credit Adjust - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : XXXX ) How much money the debtor owes XXXX ) The name of the creditor to whom the debt is owed XXXX ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with XXXX XXXX XXXX, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victum of ID Theft. I have been working with the 3 Burials. Only XXXX has corrected my profile and removed the fraudulent accounts open bay the thieves. 

I was informed by XXXX  and Experian that any and all corrections / removals to my credit profiles was at the of the creditors regardless that the XXXX deceives and police found that the account where indeed fraud and that ID Theft is in fact case in connection with my profile/ss #. 

Im on the verge of losing my business due to this fraud. My company was closed by NY state due to Corona  and SBA has denied my loan because of the fraud making my scores low. 

Experian and XXXX  are not following the law.
Product: Debt collection

This complaint is against LVNV FUDING LLC. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with XXXX XXXX XXXX delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of LVNV FUDING LLC? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with LVNV FUDING LLC remove and delete this immediately. Why is there a date opened? I have never opened an account with LVNV FUDING LLC and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations
Product: Credit card

In XXXX or XXXX ( not clear ) my citibank card expired, and they never sent me another one. I realized after going online to pay, that they had actually frozen my ability to use the account. At that time, they said I had to keep paying, and it appeared as if I had credit available, but they never sent me a card to use or allowed transactions to take place online. 

Since then, I have been locked out of the online account so I have not been able to see the status of my account. I also have not received ANY statements, until last month when I received a mailed letter dated XX/XX/XXXX that said I had until XX/XX/XXXX to make a payment or the account would be referred to collections. I tried calling today ( I only received the letter in the mail this week ) and I was shipped from agent to agent and ultimately hung up on. I was going to make a phone payment to avoid collections. 

For more than a year, I have been trying to gain access to my citibank credit card account online in order to make payments and track the account status. In XXXX of XXXX, I set up a series of automatic payments, but they did not go through. In XXXX and XXXX of XXXX, I had to make a large payments to stay active, but I was never able to access the account online. 

The company has been playing games with access to my account information, they have not communicated with me about the status of the account, and now my credit is suffering! I am current on every single other account I have. This is a total nightmare and seriously damaging my credit! 

Please help me get Citibank to respond and take ownership in their role evading my attempts to make payments!
Product: Payday loan, title loan, personal loan, or advance loan

https : //app.lendumo.com/verification/success I thought i would pay regular in terest hey are chargin over 500 % interest like {$9000.00} to get {$2200.00} please click on attached url above To save money on your loan, you can pay off your balance early or make extra payments toward your principal by logging in to your account at https : //lendumo.com/ or by calling us 24/7 at XXXX. Please note that it may take up to three days for your payment to process.If you want to pay off your balance in full on your first scheduled payment date of XX/XX/year>2024, the total amount will be {$2900.00}. There are no penalty fees for early payoffs.If you do not make extra payments and/or pay your loan early, the total cost of your loan will be {$9300.00}. 

Your funds will be transferred to your bank on XX/XX/scrub>/2024. Please keep in mind that banks have different policies determining when transferred funds can be released to their customers. 


Your first payment is due on XX/XX/year>2024. On that date, we will automatically withdraw your regular payment of {$770.00}. 
never agreed to this