23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had applied on XXXX website to look for a business loan to help move into a bigger unit. A few weeks later I got a call and a text from XXXX letting me know I have an approval for a XXXX credit line. I asked how he got my information and he said the financial market is a close community it couldve been from XXXX or brokers. After a few discussions I did everything they ask to get the line of credit. They told me my business didnt have any business credit and that I would have to pay {$600.00} a day for 3 weeks in order to receive the line of credit. I signed contracts and paid the {$600.00} a day but once everything was paid XXXX and XXXX had stop answering my phone calls and text message. I started digging into the business name and phone numbers and came across a review of someone else complaining about the same issues I had with them. 

XX/XX/XXXX DO not fall for this company DO not fall for this company. they opened to scam business owners. They are working hand in hand with XXXX XXXX ( Astorgrp.com ) All scam artist. They lure you into getting a Business Line of credit, then get you to borrow $ XXXX, you get $ XXXX then pay it off at $ XXXX. Then they say, you are now ready to get a business line of credit. It's how you get scammed. Then All phones get disconnected. XXXX XXXX XXXX, XXXX, XXXX XXXX they are all gone after. XXXX XXXX ( XXXX ) XXXX, wont respond to you. 

XXXX XXXX from this Company XXXX ( XXXX ) XXXX, says he left fo California and was part of that wildfire. Just seriously Scam artists. 

AVOID FALLING FOR THIS. 

I hope you do not Sign up. Anyone hopefully can see my reviews so you can save yourselves. 
Date of experience : XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

i took out a XXXX  Diaster loan during the pandamic and the bank said that they were advised that there was an issue with fraud when the funds were given. 

I was advised by Captial one that they were closing the account that the money was transfered into and that they were closing the account and sending the money back the the XXXX  but i have spoken with them and as of today the funds have not been received by them and i do not know where the money is i do not want the money back i just want to get the money to the approitate people because i am responsible for paying back this loan
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX request that my name be updated to reflect the correct information. 

2. Born : My birthday is on XX/XX/year> and the report has listed on 1968 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my Social Security or passport displaying my correct name and Birthdate Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Thank you for your cooperation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
Charge posted XX/XX/XXXX XXXX full amount XX/XX/XXXX XXXX & TransUnion lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX.11 days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by XXXX XXXX TransUnion. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX XXXX XXXX TransUnion lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

XXXX XXXX TransUnion lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )
Product: Checking or savings account

I ask the lady I was talking to why is Chase letting them take money out of my account when there is no money in my account, she responded that I have credit protection for XXXX dollars and less itvwas XXXX and something dollars they let take XXXX so I said " I m want to do a claim " cause I'm not pay no overdraft fees for yall letting them get money out of a empty account! She said call back today and do a claim I got a text this morning ( didn't get no text ) when they was letting them take all this money ) but anyway I see about 5 or 6 overdraft fees on my account bringing it to XXXX and something dollars that's why Chase be letting people take money so they can hit you with these overdraft fees I'm not paying this XXXX I will close my account first!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to report inaccurate information on my credit file. 
Also, Equifax has my credit score grossly low at XXXX, despite changing and removing disputed inaccurate information. 

Equifax sent me an updated credit report recently, that shows chapter 13 bankruptcy case blocked. However, Equifax has a Court order judgement that expunged all 3 fraudulent filed bankruptcies due to identity theft and is restricted from public viewing signed by the Judge. Now, Equifax is reporting on my credit file. This should not be reporting at all. Here is the case information and resolution from XXXXXXXX XXXX XXXX XXXX, Print complaint CLOSED, Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. This item was withdrawn from XXXX XXXX XXXX ' credit report on XX/XX/XXXX. We will request a manual deletion through e-Oscar to ensure that the credit reporting agencies remove this from XXXX XXXX XXXX ' credit. We encourage XXXX XXXX XXXX to contact us directly if additional information is required. 


Collections XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$1100.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you directly to get further assistance regarding an outstanding balance Radius Global Solutions ( RGS ) forwarded to the Credit Bureau Agency. I received a second alert from XXXX  and XXXX regarding this outstanding balance. However, I never received phone calls nor letters in the mail regarding this matter. 
Had it not been for XXXX and XXXX providing me with the notificationalerts, I would not have known anything about this. I contacted RGS at the phone number listed below from the website and spoke with a young lady who was not able to find my information in the system. I asked her to transfer to a supervisor, which she did after begging her to do so. She initially told me that she may not be able to do that because she works from home and does not have that information. She transferred the call to a gentleman who was able to transfer me to the correct person, Supervisor XXXX XXXX (? ) from the MN office. She tried to help me but was not able to find my name in the system as well. She asked that I provide my SS number to her, and I declined. I provided all the other information she asked for, but she was not able to find my name in RGS 's database. If I truly have an outstanding balance with a company that RGS works with, I am fine with that and will settle it timely. All I ask is to be notified of this appropriately before my information is sent to the credit bureau. When the RGS employees were not able to locate my information, I can't help but think if this was fraudulent activity. If it is, then it needs to be brought up to the credit bureau for further investigation. I just hope that this was an oversight on someone's part. And if so, I am needing your assistance to get it rectified as soon as possible. 
Thank you for taking the time to read my lengthy background information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two credit disputes with LexisNexis in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my first request. The response letter was dated XX/XX/2020. LexisNexis stated on page 1 the following, " We are unable to process your request at this time, additional identification information required to process your request. '' a blank form to get my personal information at the same time they sent me a copy of my credit file if they didn't have my information it doesn't make sense they sent me a whole credit report file. I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with XXXX XXXX, the errors remain uncorrected, causing significant harm to my credit score and financial reputation. 

Details of the Complaint I received notice from the XXXX Credit Bureau that XXXX XXXX  modified the account balance owed in error. Below is the information currently reflected on my XXXX credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}. 

Additionally, XXXX XXXX  processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified. 

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported an increase in the account balance instead of a decrease, causing my credit score to go down by 1 point. 

Impact : This incorrect reporting negatively affects my credit score and financial reputation.

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting. 

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX  XXXX over the XXXX XXXX holiday and was hospitalized in XXXX  for XXXX weeks. XXXX XXXX  refused to do their due diligence in their credit investigation ( XXXX ). 

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.
Product: Debt collection

I received notification that this debt that was disputed and legally removed had been bought by another debt collector and wrongfully posted to my credit file
Product: Debt collection

On XXXX/XXXX/2016 I mailed a request to United Recovery Systems who is now Alltran Financial requesting that they prove the outstanding debt to me. I requested the following list of documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide me with copies of the original application ; Provide me with copies of any identification on file ; Provide me with copies of signatures on file ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

What they mailed was a copy of statement and nothing else. I called back on XXXX/XXXX/2016 and spoke to a Manager XXXX XXXX. I explained the situation and he stated that he will follow the requested to his manager. When I asked why have n't they given proof of debt or answer my request he could n't give me a straight answer. We he kept insisting was that if was I was saying that I did n't initiate the debt. But at now time would he give a straight answer. I asked him if they were Licensed and Bonded in the state of FL and he was n't sure if he had to give me that information, I stated that I have the right to know that they can legally collect money in the state of fl. Long story short I have been paying on an account that I do n't even know if its my, I never see that the balance decrease any and when I start to ask questions I do n't get straight answers. This company has failed to honor the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my legal right request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX   XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXXXXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXXXXXX XXXX   XXXX.
Product: Credit reporting or other personal consumer reports

Checkr is reporting a false item on my background report. I have contacted the courts and got a document from them showing that Checkr is still falsely reporting an open XXXX  charge and a driving record blemish when I have neither. I have attached court records as well as my driving abstract which clearly show no moving violations or misdemeanor. As well as their bogus background check that they refuse to re run or contact the court to clarify even though it has been disputed multiple times through them. They refuse to correct their own errors
Product: Vehicle loan or lease

We applied to refinance my auto loan on my 2023 XXXX XXXX that was with Capital one, the offer to refinance was on their app when I signed on to pay my monthly payment. we applied and was approved and was very happy with the new apr. We then Signed all the documents and sent them back in, checking each time that My car was listed. ( It was with the correct vin # ) I signed on the pay my monthly payment and noticed my old loan was still showing and due! along with the new loan. Both for my 2023 XXXX XXXX. I investigated further and found that Capitol one paid off another auto that we have financed at our bank. We did not apply for that. Please help me get this resolved. Capitol one advised me to reapply with our old bank or Switch the information on the new loan to the correct auto. They then advised me, they could not refinance the 2023 XXXX although that's what we were approved for.
Product: Debt collection

This is an account that was listed as a charge off/ as bad debt profit loss. There was no 1099-c sent for this being a charge of. A few months later company fraudulently reopened account for double the amount and has it listed as in collections and adding a late fee monthly for past XXXX & XXXX years. Originally the account was closed and charged off XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXXXXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXXXXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account XXXX XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXXXXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently attempted to purchase a vehicle, and during the financing process, multiple hard inquiries were made on my Experian credit file without my authorization. I did not approve these multiple inquiries, and I believe they were conducted improperly. 

The following companies performed hard inquiries on my credit report : 1. CREDIT ACCEPTANCE CORP Date : XX/XX/year> Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX FLORIDA I Date : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX 3. XXXX XXXX Date : XXXX XXXX, 2025 Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX I am requesting a review of these inquiries and their removal from my credit report if they were made without proper authorization. Please advise on the next steps I need to take to resolve this issue. 

Thank you for your time and assistance.
Product: Bank account or service

A company known as First Data is phoning a friend of mine regarding my account with their company that is overdue after my XXXX went out of business XX/XX/XXXX. My friend, XXXX XXXX ( of XXXX XXXX, Florida ) has nothing to do with my account with First Data ; she is not a signatory on any paperwork or agreements with this company ; and is no way responsible for any business or financial doings with First Data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent registered letter to Bank of Hawaii regarding incorrect information on our credit report : XXXX. On XX/XX/XXXX, Bank of Hawaii knowingly provided false information to credit reporting agencies, stating that we owed {$3700.00} that was past due and under collection. This information is completely false, as Bank of Hawaii forgave XXXX XXXX of our outstanding balance and closed our account prior to providing this false information. 
XXXX. On XX/XX/XXXX, we accepted Bank of Hawaii offer to settle our account for less than the full amount, submitting payment of {$6200.00}, XXXX XXXX of the account balance of {$10000.00}, leaving a forgiven amount of {$4100.00}, XXXX XXXX 
XXXX. On XX/XX/XXXX, Bank of Hawaii acknowledged our payment of {$6200.00} and the forgiven amount of {$4100.00} in letter dated XX/XX/XXXX, by XXXX XXXX. 
XXXX. On XX/XX/XXXX, submitted dispute to XXXX, # XXXX, which was processed with the result Bank of Hawaii removing the false {$3700.00} past due information. 
XXXX. On XX/XX/XXXX, Bank of Hawaii submitted another false statement in correcting the original false statement of {$3700.00} past due. Bank of Hawaii states under status of our Bank of Hawaii account, " paid in settlement, {$9900.00} written off ''. This is not true and correct, the total amount of the account was {$10000.00}, we paid {$6200.00}, the true and correct amount written off is {$4100.00}. 
XXXX. On XX/XX/XXXX, we submitted dispute to XXXX and submitted dispute email to Bank of Hawaii regarding the incorrect information on our credit report, {$9900.00} written off. 
XXXX. XXXX reported under dispute # XXXX, that Bank of Hawaii will not correct the {$9900.00} written off, as they state it is correct. 
XXXX. We are submitting this complaint to correct false information provided by Bank of Hawaii on our credit report : " paid in settlement, {$9900.00} written off ''. The correct amount that was written off per Bank of Hawaii settlement offer is, {$4100.00}. 
XXXX. Additionally, we request an explanation from Bank of Hawaii as to why and how this information is being provided to credit reporting agencies that is negative and not true. Bank of Hawaii is a regulated bank, that daily provides accurate information to its customers and regulators, and if incorrect information should be provided, they will immediately correct and resolve. 
XXXX. We are recovering from bankruptcy and have made every effort to make good on our past debts by requesting dismissal of our bankruptcy so to begin to pay off our accounts for less than owed. We paid all our bills and obligations on time and were never late or overdue until our lives came crashing down with family, medical and loss of employment. Out of XXXX creditors, only Bank of Hawaii has undertaken this negative attack on our credit reports, providing false information and refusing to truthfully correct to what they know and have the information to support.