23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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

XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK Opened on XXXX XXXX, 2018 ( XXXX yrs, XXXX mos ) Credit limit {$1000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$530.00} to my credit card. The payment was received and shows as received on the statement and it additionally left my checking account. The Payment was placed on a " PYMTMONYHOLD ''. I called in that day to inquire as to why the payment was on a hold and the representative told me that they needed information from my other bank. I then called my other bank and they informed me that the money was transferred to TD and left my account so there was nothing to be done on their end. I called again on Thursday and spoke to a different representative that informed me the previous rep had lied to me about why the payment was placed on a hold. She told me that the payment had in fact been received and they were not waiting on any information from my bank and that the payment was simply on hold and would be released in 7-10 business days. My mother then informed that my line of credit and cash should not be tied up if I did indeed make the payment and the payment was received. I called again XX/XX/XXXX and spoke to " XXXX XXXX '' who could not answer any of my questions as to why the payment was on hold. He also refused to let me speak to someone higher up and simply repeated the same information I have on my credit card statement that it is a " Payment money hold ''. I make payments from this account every month and my money has only ever been " held '' twice. Before I did not know that they had a responsibility to release funds upon receiving payment, but now that I do feel taken advantage of because I am now without cash or a line of credit. My payment is also due by XX/XX/XXXX and they are holding my payment until XX/XX/XXXX and have essentially frozen my account until the next payment cycle, and has also left me with limited cash.
Product: Mortgage

We received notification of an escrow analysis that was completed several months ( XX/XX/2023 ) before the property tax bill was even available. Truist then updated our mortgage payment to {$600.00} a month more on a faulty analysis. We have called 3 times to get this resolved. The rep at truist even admitted their mistake and the increase based on the CORRECT tax bill should only be {$67.00} a month. This is the second major escrow issue we have had with this company in the last 4 months. We now have an overage of almost {$1200.00} in our escrow account which makes XXXX sense. Increase our payments almost {$600.00} a month on faulty information is reckless.
Product: Credit card

they chg a ann fee which i dont kn about, late fees, A ND STATEMENT FEES,
Product: Checking or savings account

I filed a claim for unauthorized charges and almost immediately my account was closed and no investigation was done regarding the many unauthorized charges. I've had the account for some time so it wasn't a new account. However, it was the first time I had filed a claim for unauthorized charges. When I requested documents, I was told that they didn't have to disclose any information and that they coukd close my account for any or no reason at all without any notice. XXXX I filed the claim and same day I received an email stating that they reached a decision and found that an error had been made ( in my favor ) and that they would credit my account. However, I never received any credit and instead they closed my account several days later with no notice. I have attached a copy of the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.
Product: Payday loan, title loan, or personal loan

I am reaching out to the CFBP because I believe I have been unfairly taken advantage of on what I believed was a fair deal on a pay to own item promoted which included a " 90-Day Satisfaction Guarantee Buy Option '' from XXXX. On XX/XX/2022 I reached out to XXXX customer support and spoke with a XXXX to pay off my balance ( {$630.00} ) since my first payment was completed on XX/XX/2022 for {$110.00}. I was told the finance department was in a meeting a they would call back, however I never received a call. I reached back again to XXXX on XX/XX/2022 and spoke with XXXX ( www.montereyfinancial.com ) who advised mypayoff was XXXX XXXX and this was due to my 30 grace period ending. I advised of my contract " see attached '' I had a 90 Satisfaction to pay off a different amount of XXXX and I already made a payment off XXXX. I have forwarded my contract to their support XXXX XXXX XXXX however never received a call back. I have since made my payment to the amount I believed owed {$610.00} in good faith. Although I worry this is an unfair tactic to misdirect customers. I am hopeful this gets resolved quickly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE GENERAL IN. COMPANY XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The plan was confirmed on XX/XX/XXXX. The case was completed on XX/XX/XXXX. Capital One Auto Finance was one of the paid scheduled creditors in the XXXX XXXX XXXX XXXX XXXX  bankruptcy. The XXXX XXXX XXXX XXXX  on XX/XX/XXXX. In XXXX, I started receiving harassing phone calls and text messages from Capital One Auto stating that I owe them a balance of over {$4000.00}. I had previously informed Capital One Auto that my bankruptcy had been completed and I was waiting on my title. I was informed that I couldnt receive my title until the bankruptcy was discharged. Unfortunately, that statement changed and Capital One continued the harassment. On XX/XX/XXXX, Capital One Auto send a repossession notice to XXXX XXXX XXXX and they repossessed my car from my apartment parking lot. On XX/XX/XXXX, I contacted Capital One Auto several times before I was able to speak to a representative that tried to bully me into paying over {$5000.00} by telling me in 10 days my car would be sold at an auction and that the discharge paper didnt mean anything that I owe over {$4000.00}. Capital One Auto had all the bankruptcy court documents and I also emailed the bankruptcy documents from my attorney to them. Finally, the Capital One Auto representative stated that a Supervisor and then a Manager had to review the documents and it could take anywhere from 48-72 hours and thats the process. During that timeframe, they would determine if it was a lawful or unlawful repossession, but I had to be transferred to debt collection to find out how to pay if it was a lawful repossession. I continued to explain that it was an unlawful repossession and that I wanted my car returned and my title and for them to remove the negative information from my credit report which lowered my score by XXXX XXXX. Capital One Auto Finance has violated the bankruptcy laws and fair credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX  to run an inquiry on my credit report. This seems to be fraudulent.
Product: Student loan

Navient previously approved me for a payment plan and processed a payment for that plan. They later came back after checking my credit without authorization and stated I was no longer approved for that plan. Upon denial they then tried to raise the payment amount, without informing me in a timely manner, while also sending me conflicting statements about my account status. Upon receiving additional information about the account, I signed up for another rate reduction plan that I was approved for. Upon approval I was never notified that my credit would still be effected. A month later, my credit began to reflect XXXX LOANS reporting as 30 days late, significantly tanking my credit score. Despite writing letters and reaching out to customer service to clarify the inconsistent documentation I received, Navient still denied fault of this issue. A supervisor later finally agreed to listen to the previous recording and determined that the representative was in the wrong for the information shared on the account and stated they would submit documentation to have my credit report corrected. He stated to me directly that this would be fixed by XX/XX/10. Nonetheless, a different department later denied that request as well. Finally, after requesting the documentation and the call recordings from my conversations with Navient, the company has continually refused to provide me with those items in order to resolve this matter fairly. After months of reaching out to the companys ombudsman, I have yet to receive any kind of fair resolution or a call back. Thus, still greatly effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 usc 1681 TransUnion is liable for reporting accurate information on my consumer report. TransUnion continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW XX/XX/XXXX XXXX, and Richardson v. Fleet, XX/XX/XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Product: Debt collection

Dear Midland Credit Management, I am writing to formally dispute the validity of the collection practices associated with the account number XXXX, as handled by your agency. I believe that your recent communications with me violate 15 USC 1692j, which prohibits deceptive and misleading practices in debt collection. 

Specifically, I have observed several deceptive tactics in the collection letters I have received from your agency, including : Use of Varied Colors and Font Sizes : The collection letters employ different colors and font sizes in a manner that seems intended to confuse or mislead the recipient. Such tactics can create a misleading impression regarding the urgency or nature of the debt, which is contrary to the requirements of honesty and transparency mandated by the Fair Debt Collection Practices Act. 

Misleading Presentation : The formatting choices used in these letters may give a false impression of legal importance or legitimacy, which can unduly influence a consumer 's perception and decision-making process. 

Given these concerns, I request that you cease these deceptive practices immediately and provide a written explanation of how you plan to address this issue. Additionally, I request that you provide verification of the debt as required by law and ensure that all future communications adhere to the legal standards set forth by the FDCPA. 

Please address this matter promptly and confirm in writing that these deceptive practices will be discontinued. If these issues are not resolved to my satisfaction, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. 

Thank you for your attention to this matter. 

XXXX XXXX
Product: Checking or savings account

An unauthorized {$10000.00} transfer was made from my current account to my Robinhood brokerage account on XXXX/XXXX/2023. After contacting Robinhood, they requested various information which I timely provided. Subsequently, my Robinhood brokerage account was put on hold for review. The review has been going on ever since then and my money is being held XXXX at Robinhood. I've made several requests by phone and in writing for Robinhood to release my funds, but nothing has been done to date. I'm frustrated beyond my imagination that this kind of unprofessionalism can be going on in the US in 2023.
Product: Money transfer, virtual currency, or money service

I have an account with cash app ( Square Inc ) with {$400.00} remaining. I have been emailing customer support about this situation for a week with no response. I am unable to send money, cash out, access my funds, or talk to a representative to see what I need to do to fix the issue. My card was disabled by cash app without my knowledge.
Product: Checking or savings account

I keep receiving overdraw fees from Bank of America despite their app indicating that I had available funds. When I called to ask about the fees, I was told that the app does not accurately represent the amount of available funds. In order to see what is actually available, I would need to log into my account from a desktop/laptop or download a 3rd party app. I asked where in the app it notified users that the information provided was not up to date/current. The customer service agent acknowledged that they do not include that information on the app and that I should just download the 3rd party app.Although I was refunded the fees, I am really surprised and appalled by this unfair business practice that Bank of America obviously benefits from.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX XXXX CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I sent out a debt validation letter to Diversified Consultants on XX/XX/2018 asking for them to validate debt. Today XX/XX/2018 I received a letter from Diversified Consultants with just a bill inside, that is not validation. When I mentioned validation I was referring to a signed contract with my signature.
Product: Credit reporting

Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/, Comenity Capital has done five unauthorized hard credit inquiries on me. I have contacted Comenity several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with XXXX, who tells me that I need to contact Comenity. 

I have frozen my credit score. 

Besides that, I do not know how to stop Comenity Capital from making these unauthorized, erroneous credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX  XXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and Equifax ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from XXXX XXXXXXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


Equifax : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.
Product: Debt collection

I repeatedly receive calls starting at XXXX XXXX lasting until XXXX XXXX. I attempted to answer several time but am hung up on.

I have asked the representative to identify themselves and what the subject matter is. They claim it is for my account.

I have not received written notice of this debt. I can not verify this debt on my credit report. I am not aware of any other collection.
Product: Credit reporting or other personal consumer reports

LexisNexis refuses to comply with a subpoena for records XXXX thru the present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had notified the credit bureaus of this unauthorized inquiry on my report. I never gave the consumer reporting agencies consent to give this debt collector my information. This is violating my rights.