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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX credit management ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX credit in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Product: Checking or savings account

I spoke with XXXX I spoke with another individual that told me his name was XXXX with a completely different voice. I talk to XXXX and someone that goes by the name of XXXX. On every occasion through emails or phone calls it's been a run around of the checks in the mail then I get an email saying oh well your accounts closed your money is safe we'll send a check out to you within 30 days all the while and ask them to expedite that to me or to transfer to an outside account and can not get nothing done with them they say they're going to do it and then I get an email stating that they didn't do it but that they're going to do it. XXXX was very unprofessional incompetent at a minimum regarding his job to help me as a banking customer all I kept doing was reading baseball off a screen or script stating what your accounts closed this that and this and it had nothing to do with the issues of them getting me my money. There's already fraud on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon the consumer report being fair and accurate. Reviewing my consumer report I discovered that my report is reporting inaccuracies, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. And I was never notified when during your companies initial investigation that this was going to report this information pursuant to 15 USC 1681 ( a ) ( 1 ) this grave error has undermined my confidence and trust in your companies. 

I've already reached out to the companies and the credit bureaus to inform them of the errors made. have given ample time for the credit bureaus to properly investigate and they seem to refuse to justify my consumer rights.
Product: Credit card or prepaid card

I was advised through XXXX XXXX of fraudulent activity with USAA. I filed a report with XXXX XXXX and they advised me to file a claim with you. I then received a debit card that I did not apply for from USAA and a change of address from USAA that came to my current address.
Product: Vehicle loan or lease

I called and paid a settlement amout to BMW Financial for my XXXX XXXX XXXX. Before paying the settlement amount I was told that since Im paying it off they would remove all of the late payments. Recently I have been keeping an eye on my credit and noticed that they never did. I called them last week to see what was going on and why the fees have not been removed. I was told that he didnt care what I was told he was not removing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for both Transunion and XXXX are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XXXX. I paid off the credit card on XXXX XXXX and its still showing a high balance reported in XXXX XXXX.
Product: Vehicle loan or lease

I have been out of work for several months. During that period I called Upstart several times to make sure I do all I can to avoid repossession. I was instructed on what to pay and pay by dates in order to avoid my vehicle being taken. On XX/XX/year> my vehicle was taken even though that was the date I discussed I would be able to make a payment. Even though the course of actions did not reflect what an upstart agent told me, I accepted responsibility. I understand I have a contract to uphold. 

Next, I called Upstart to get instructions on how to send a payment. I was told that I could overnight a cashiers check and the payment would be applied immediately. So I sent a cashiers check overnight via XXXX and tracked the envelope to insure it arrived the next day. When I called Upstart today, I was informed that I sent the check to the wrong address. When I asked to speak with a supervisor, I was then told that the check was sent to the correct address but I would have to wait for their bank to pick up the check and process it which can take another week to do. 

I could have processed a payment online via XXXX, avoided paying the overnight charge, and the payment would have been processed by now. Also, the address that the agent claims was wrong is listed as the overnight address on the company 's website. 

Upstart needs to be held accountable for their poor ability to give correct information. I understand it is my duty to pay on the contract as agreed. However, Upstart is still a corporation and quality is important. This has impacted my life in ways that impact my health. 

The vehicle was repossessed by a company nearly XXXX hours from my home. I am already poor, low on funds, and no support. How am I supposed to get to my vehicle? 

Ultimately I should be able to rely on the information the company gives me. I was held accountable by my vehicle being taken. Shouldn't this multi-million company be accountable for poor quality of information? 

All of the agents I spoke with were polite and I am sure they were doing their best however, the results we're poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted an initial dispute to XXXXn requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXXT XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
Product: Debt collection

This service was cancelled when I changed companies. The account was cancelled due to poor service in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.
Product: Vehicle loan or lease

Credit Acceptance took complete advantage of me and I bought a XXXX dollar used XXXX traverse with XXXX miles on it and I now owe XXXX I was not aware of this Im not happy considering all the money Ive put and continue to have issues been trying to build credit and be responsible and now XXXX paying for a unreliable vehicle so unfortunate this should be illegal!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Citi. Some months ago, without notice and without a significant change in my credit report they reduced my credit limit from XXXX to XXXX, while my debt with them at that time was about XXXX. That affected my credit report seriously, in the middle of the acquisition of a car and in the process to move to a new apartment. Never have had a late or overdrafts. I contacted them without any solution. 
Now, many debt was about XXXX for interest charges. Last week, the same day, they reduced my credit limit to XXXX and then, a copule of hours later they increased to XXXX again. Yesterday they reduced again to XXXX and put me in overdraft, an overdraft that was not mine, since I was inside my credit limit. They said my credit report dropped down, and actually was the contrary, it went up for XXXX points! That, again, affected me enormously and reduced my credit report in more than 25 points. 
Again I contacted them and now they say that I have to wait more than a month for an answer.
Product: Payday loan, title loan, personal loan, or advance loan

A person took out a title loan in my name online. The company that was used is called Speedy Cash. The title loan is for {$2600.00}. The title loan is also for a vehicle that I do not own, for several years now. This all happened on XX/XX/2024. I filled a police report and also notified speedy cash of the fraud activity. I sent in the requested documents to speedy cash for the fraudulent loan. I did not take out this title loan. I called in the morning of XX/XX/2024 to pay off my loan in full, I did that. Then about XXXX min after I received multiple change password email, log in new device email from speedy cash. Then I received a loan funded email and that's when I called them to report the fraud. They closed my account and investigation underway. It makes me think a speedy cash employee is doing this because it happened only XXXX min after I paid off my loan with them. I have the paid in full receipt from my loan. The fraudulent funds were sent to a debit card that is not mine. The fraudulent loan number is XXXX. I also have my credit frozen. Just wanted to inform the CFPB that someone took a title loan in my name using a vehicle that I do not own for several years for the amount of {$2600.00}. I appreciate your time and help. Currently waiting for a response with speedy cash after I submitted a fraud packet that they requested.
Product: Debt collection

I was contacted by Lien Receivables LLC in XXXX XXXX, CA regarding a towing of a motorcycle and storage. They indicated that the vehicle is mine, which it is not, that it had not been claimed and therefore had been sold, but the proceeds were not enough to cover all the costs involved, and that I owe {$2300.00}. They sent me documents via text message for a motorcycle, which I never owned, and at an address for which I have never lived at. I told the caller on the initial call that it is not my vehicle and that they have the wrong person. I continued to receive text messages, phone calls, and a letter indicating threatening actions including contacting my employer, taking me to court, and such if I did not resolve the matter. I have repeatedly told them that they have the wrong person and I have never owned the vehicle in question. I looked up the phone number ( XXXX ) XXXX, that texted me and found allegations that this company is a scam and this tactic has been used against others. I researched the company name and found some similar evidence that they are not legit. I have asked them to not contact me anymore, but they continue to harass me.
Product: Debt collection

Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}.
Product: Credit card

I have a business credit card through Capital One. Back in XXXX XXXX, Capital one requested documentation to bring the account into compliance with the XXXX XXXX. They requested corporate tax returns, which I refused. I offered to send a XXXX, which is industry standard. I argued about it with the representative, and she finally declared she could resolve it over the phone, and I should consider the matter resolved. Then on XXXX XXXX, XXXX, I discovered the card was closed. I called Capital One, and they said it was closed due to lack of XXXX documentation. I offered to send the XXXX, just as I did in XXXX, and Capital One sent me an e-mail link to a website where I could upload the XXXX. The person I spoke with on XXXX XXXX led me to believe the account could be reopened once the XXXX was squared away. I called today, XXXX XXXX, to follow up, as my account was to have been expedited. The representative today told me my account was closed because I failed to accept an offer they sent me in the mail recently. I recall the offer, and nowhere in that letter did it say my card would be closed if I made no selection. After escalating the call, I was told there was no hope of resurrecting the account or recovering the over XXXX rewards miles associated with it. After stating that I would file a federal complaint, I was transferred to a " manager '' who said maybe the account could be opened, maybe it ca n't, and she does n't know why I 've been getting different stories at every call. My wish is that at a minimum, the rewards miles on the business card be transferred to my personal card with Capital One so I may use the rewards I rightfully earned according to my contract with Capital One. At most, I would like the account reopened, with rewards reinstated.
Product: Debt collection

They are removing money out of my account after numerous emails send telling them not to and revoking my AHC. I have also requested them to remove my debit card information as this is a part of my " banking Information ''. They are putting me in a financial bind taking money out of my account when they are not supposed to. I will never work with this company again once my debt is paid. Their associates are rude. and poorly trained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left for basic training and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/XXXX Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent Capital One Auto Finance a letter disputing the hard inquiry made to my credit report on XX/XX/2022. I asked them to provide WRITTEN proof or a confirmed signature on an application or remove the hard inquiry. To date, they have not provided proof and refuse to remove the inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX reported a unauthorized inquiry to my Transunion Report and I wanted to notify someone so that it could be corrected
Product: Debt collection

In XXXX I hired consumer legal group to help me settle my debt. 
They sent out cease and desist letters to stop contacting me, and Chase has continued to contact me several times a day and a few times a week. 
I have informed them of my attorneys office, their phone number and all the information they need to stop calling me and I have been told by that company. They will continue to call me that they do not care that I have hired an attorney that this is my debt, and continued to harass me
Product: Checking or savings account

XX/XX/XXXX, received letter ( dated XX/XX/XXXX ) from JPMorgan Chase Bank, XXXX XXXX XXXX, to XXXX XXXX XXXX, from XXXX XXXX XXXX, stating " We have decided to close your accounts '' with instructions to steps to close 1 ) Checking account, 2 ) Savings account 3 ) Credit card account and 4 ) safe deposit box by XX/XX/XXXX. The time frame allowed does not allow me follow instructions within the time allowed. Repeated contacts by phone, in person, on line, or email reveals the same information, " Decision is confidential and irreversible '' by multiple sources and I am unable to contact any agency within the system with more information. Having been an account holder since XX/XX/XXXX, I am concerned that something has occurred recently that may have effected my identity or status that I am not aware of. Can this be investigated to reveal the cause of this decision? I have a case number if this would be helpful- # XXXX. Your cooperation in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my Equifax score is inaccurate. My score went up and one account has been paid in full and also that account has been removed from my credit report. Equifax has now dropped my score by 23 points for what? That's not right. I ask that they put the 23 points back on my score.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a uniform decision on XX/XX/XXXX when I entered a bank XXXX XXXX XXXX XXXX. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and Bank XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus XXXX, Experian, and XXXX updated my credit report with more inaccurate information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of this information applies to me or my history. I never lived in, visited, or driven through XXXX XXXX Florida. I have never had these fines. I have never had my license suspended or revoked. 

County Searches : Consider XXXX XXXX, FL : Consider TCATS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Case Number XXXX File Date XX/XX/XXXX Court Jurisdiction FL XXXX XXXX County XXXX XXXX State FL Full Name XXXX, XXXX DOB XX/XX/XXXX Charge Tcats XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX - XXXX / XXXX / XXXX / XXXX XXXX Charge Type XXXX XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00}