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

On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported to XXXX and XXXX on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license. On my consumer report from Experian there are several inquiries that I am unfamiliar with and that I am certain that I did not authorize. I have disputed this information with them previously but Experian refused to remove the items. These inquiries are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late the account balance shows {$6800.00} which is incorrect. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the 2 years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.
Product: Debt collection

My wife just filed a complaint to you earlier today. This complaint is about the same thing. Transworld Systems is reporting a fraudulent account on my credit report. It is an account which was opened illegally, and I have nothing to do with it. Just like my wife, I signed a fraud affidavit and made a Sherrif 's report. I submitted them to the collectors and credit bureaus to let them know I was a victim of fraud. Like my wife, all accounts were removed from my credit report in XXXX. Again, like my wife, XXXX XXXX XXXX reassigned a fraud account to Transworld Systems in XXXX. We have never lived in XXXX  or anywhere else than XXXX and XXXX. Transworld Systems and XXXX XXXX XXXX need to delete this fraud account from my report as well as my wife 's or we will both sue them.
Product: Debt collection

I have an open account right now for XXXX and this is from some sort of medical service. It originated from XXXX XXXX California and I have never received a bill from this original company but it's in collections? I have always had medical insurance regardless and this is not something that I should be charged for or that I owe. I have attempted to dispute this charge multiple times since I do not owe this money. All of medical bills have always been covered by my insurance.
Product: Debt collection

Deville Asset Management is trying to collect a deficiency balance on a repossessed vehicle, reporting inaccurate date and responsibility to credit bureaus. Additionally, this the deficiency balance is past the statute of limitations and is not a collectable balance. I have contacted the company and disputed balance with the credit bureaus and Deville Asset Management will not remove the debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to both Transunion and XXXX, the credit card provider, XXXX XXXX, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX Dollar and XXXX Cents ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX  Sent : Wednesday, XX/XX/2022, XXXX PM ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with XXXX XXXX, which handles your XXXX  account. This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, XXXX.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and Transunion. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.
Product: Credit card

I have/had a credit card with American Express for a long time. They bill me using my email address. They changed something and the bills went into my trash and I did not see them. After two month they called about the bill and I paid the bill at the same time they wanted a additional XXXX dollars for me t to keep the credit card when they are offering the same card for free. I declined the XXXX dollar fee and elected to discontinue. I had many years of points ( which are like money ) which after XXXX or XXXX customer service representatives telling me I could get them finally said I could not get them because I was behind in my payments which was their fault. What can I do to get my points?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. 

Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.
Product: Debt collection

I had an open balance with XXXX XXXX XXXX XXXX. I thought the amount was too high so I wanted to read through my insurance policy and check the math on the amount owed. Unfortunately, the debt slipped my mind and became long overdue. Frost-Arnett sent me a letter and I was reminded of it. I paid {$400.00}, the total amount due, directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letters and phone calls from Frost-Arnett are still continuing. I have explained on four separate calls that the debt was paid directly to XXXX. After the third call around XX/XX/XXXX from Frost-Arnett I called XXXX and was told my outstanding balance was cleared months ago and owed XXXX. They did state that they or Frost-Arnett were having technical issues communicating with each other but it had be resolved. 

I would highly recommend that if anyone were to receive a call from Frost-Arnett that they not pay anything until after confirming with the party the debt originated from the amount owed is correct. Frost-Arnett 's competency, from my experience, is subpar and relying on them appears to be risky.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not responsible for this account, i believe, that somebody used my personal information and applied for it.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
PLEASE DELETE THESE ITEMS IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under 15 U.S. code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under these following circumstances and no other : ( 2 ) In accordance with WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of these accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both Transunion and XXXX  agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and XXXX  agencies can report an account of this type again after its first initial seven years of reporting.
Product: Mortgage

1. Denied on refinancing the Townhouse and was told I qualified for Loan Modification after giving me the running around 2. Denied on Loan Modification for the very same Townhouse I was previously told I qualified for under the same circumstances of multiple excuses
Product: Credit card

I couldn't used my cards, and when i went to check online to discover that my card got cancelled, XXXX of the credit card that I have with Capital One got cancelled, and the answer is that i committed some kind of used on the card that goes on the opposite way of the Capital One used. I need to know what really happened.
Product: Debt collection

Loan was for a company which was shut down during covid and has been forclosed. Caine & Weiner Is a debt collection agency which has reported debt to my personal credit even though it was not personal debt and did not have a personal guarantee signed on the debt. If anything they need to be reporting it to company credit and not bully me personally to pay debt that is not mine.
Product: Debt collection

NCB Management Service hounded me for months from XX/XX/XXXX to XX/XX/XXXX to pay an auto debt I defaulted on. After numerous attempts by NCB to collect the debt, I caved in and settled the debt for ~ {$1900.00} on XX/XX/XXXX under the impression they delete the negative trade line from my credit reports. I called and sent letters to them to remove the negative trade line from my credit reports with no luck. I spoke with an account manager and he wanted me to pay an additional {$700.00} for them to delete the information from my credit reports. I told the supervisor I 'm currently out of work and I could n't afford to pay more money.
Product: Credit card

apple credit card XXXX goldman sachs. I closed my credit card acct back in XX/XX/year> with XXXX balance. Deleted apple app and instructed customer service rep to please mail any correspondence to home address on file. somehow/someway a {$10.00} charge appeared on the closed acct. I never received any statement in the mail. Got home from an out of country vacation on XX/XX/year> and saw XXXX missed phone calls from apple but no messages on my phone. then I immediately received an text message from credit alert company of a past due amount on my credit report with a negative balance that I never knew of. I called Apple credit card Service Dept they refuse to to correct there error I informed the rep that I asked for any correspondence to be mailed to home that I no longer have access to apple app that if I had received a statement I would have paid the {$10.00} that I had the acct in good standing with them for many years. I did pay the balance in full again. I was told that I had to call them on a monthly basis to request statements to be mail to house even after closing the acct. My middle credit score went from XXXX to XXXX after many years. the reason I closed the acct was the fact that the more on paid the balance down with large payments the higher the interest rate and payment went up monthly. I never had a card that gauge people that way after being in the financial service business for over 25 years and had other cards. I can't believe a card like this is allowed to be offered to people. Im asking the CFPB to correct this erroneous charge on my account after the acct was closed and for not mailing me a monthly statement. this is so disgusting of XXXX XXXX to do to people over a {$10.00} charge on acct that was closed. thank you.
Product: Credit card

Citi bank mastercard i use to have since XXXX with auto draft for payment. In XX/XX/XXXX i noticed fraudulent charges. Calling citi bank and asking to close the account and not to resend a new card. I retired and did not need it anymore. Request ignored. New card sent. Repeated calls to customer service and fraud department who tell me they have refunded the charges to my account. Problem is I do not have nor authorized or activated any new card they keep sending. I have 3 replacement cards attached to the letters in which they were sent. I have no idea nor will they tell me the card number or my account number being used that is attached to my checking account. Every month since XX/XX/XXXX through XX/XX/XXXX of XXXX i make calls and attempt to stop this. Now my bank at XXXX has agreed to halt auto pay and investigate. Citi bank has refunded some charges but only to a card account that the fraudulent person is accessing. I should have no current account nor any authorized credit card with citi bank as of XX/XX/XXXX.
Product: Credit card or prepaid card

Discover Card has harassed me about a credit card debt that I owed on a balance transfer and they didn't follow through with the agreement I signed. They lowered the credit I originally had without notice, call me over and over to get their money when I was mislead about the whole agreement. I tried calling them several times to say that I didn't agree to this and they kept pushing me around from department to department. Now they are suing me in my county.
Product: Credit card or prepaid card

This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX Potentially negative information has been updated and removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX  XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$140000.00}
Product: Debt collection

XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop
Product: Debt collection

This a company recently responded to my complaint stating that they knowingly reported false information to my credit report which I pointed it out I requested that it be removed and not updated but that also ignored the law I Pointed out here is the law d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

So since I paid for those items with my credit card it should not be reported on my credit report this is a violation 15 U.S. Code 1692g - Validation of debts ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; So you assumed this debt is valid even after you have stated that there are inaccuracies in the debt
Product: Mortgage

We completed an application package for XXXX in XX/XX/XXXX when we entered into a purchase contract with XXXX XXXX , XXXX for a house located at XXXX XXXX XXXX, XXXX CA. XXXX was the " in-house '' lender for XXXX XXXX , XXXX We cancelled that contract in XX/XX/XXXX due to us not being able to sell our home in time ( to satisfy the contingency in the contract ). In XX/XX/XXXX we entered into a contract to purchase a different house From XXXX XXXX, XXXX ( our current home ) The closing would take place in about 3 weeks from the time of signing the contract. We asked for the application package. XXXX XXXX, the loan " specialist '' we dealt with at XXXX, stated they did n't require a signed application package. We also asked several times to see the Good Faith Estimate. Finally, it was sent over to us. There was an origination fee showing that we never agreed to be charged in the amount {$860.00}. Furthermore, XXXX was the lender for almost the entire neighborhood, XXXX XXXX was the loan specialist for the majority of the homes, he KNOWS what the closing costs would be. As per our sales contract, the seller ( XXXX XXXX , XXXX ) was to pay up to {$5000.00} ( part of that stipulation was that we HAD to use XXXX for our mortgage ). It was n't until we signed our closing documents did we notice the difference in the actual closing costs amount and the number that was shown on the GFE. The GFE quoted {$5500.00} as the total estimated settlement charges and the actual was only {$4200.00}. We know it is called a Good Faith Estimate, but over-estimating the closing costs by {$1300.00} when XXXX and XXXX XXXX was the only lender for the same homes, in the same neighborhood with the same title company for years, is unacceptable. Had we known what the actual costs would be, we would n't have waived escrows/impound account or we would 've asked to buy down the rate using the remaining concession. We never signed an initial TIL on this property, application, rate lock agreement, intent to proceed, change of circumstance, etc. In addition, XXXX tried to get us to sign the " appraisal waiver '' when we kept insisting that we wanted a copy. With all of the restrictions and safe-guards put in place to prevent predatory lending, XXXX has broken several regulations and in the meantime cost our family {$1300.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : LVNV LLC Im again disputing this amount XXXX. This was wrote off from XXXX XXXX then XXXX and now LVNV company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against XXXX XXXX. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. 




Sincerely, XXXX XXXX