23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

The XXXX XXXX police credit unon has been changed, new name, also updated website, and uses robo calls with no live operator after choosing to speak to live person to make payment. online was down. i disuputed and experian took their side, without even looking at their website to see info has changed. for a small mount of less than {$80.00} they have put incorrect late mark on credit and will not fix it. i provided proof. this is predatory lending practices. i have a paid experian monitoring and they don't help by removing this at all. i provided all the reasons.
Product: Credit card or prepaid card

I have made three attempts to pay my credit card through their online bill pay using my checking account number. The second time, I verified the numbers and tried again. It went pending for six days, which took me past the 30 day mark and added a late fee when they claim that the checking account number was wrong. They then instructed me that I could pay over the phone for a {$10.00} charge. They also refused to waive the late fee. I reentered the checking account number for the third time, had my wife look over it, and submitted two payments plus the late payment. It pended until it was late again. Now I am trying to get in touch with Continental finance to get this card paid off and shut down and they " can not locate my account ''.
Product: Credit reporting or other personal consumer reports

I TRIED TO RESOLVE THIS DIRECTLY WITH TRANSUNION BUT IT IS IMPOSSIBLE SINCE XX/XX/year> I HAVE BEEN DISPUTING TWO PUBLIC RECORDS THAT APPEAR BY ERROR IN MY CREDIT REPORT AND THEY DO NOT SEND ME THEIR INDEPENDENT INVESTIGATION, NOR DO THEY DELETE IT.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Equifax its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX.
Product: Credit card or prepaid card

SYNCB has placed several accounts on my 3 credit bureaus that are not mine. I am a victim of identity theft. These accounts are not mine. A hacker created these accounts form information they stole on the dark web as the result of the XXXX Data Breach
Product: Debt collection

| Date of transaction : XX/XX/XXXX | Order total : {$1000.00} | Amount paid : {$190.00} | Agreement with business : Promotional 6-month installment payment | Nature of dispute : After arranging promotional installment payment plan with Well 's Fargo and the first payment made on XX/XX/XXXX, Well 's Fargo breached our agreement and charged me for the rest of the amount on XX/XX/XXXX | Resolution : The business has not tried to resolve the problem | Account Number : XXXX XXXX XXXX XXXX | Order Number : XXXX | Statement reference number : XXXX Note : See attached supporting documentation with details on payment agreement
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the XXXX XXXX format. 

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the XXXX XXXX compliance guidelines. 

The account in question is XXXX CAPITOL ONE AUTO FINANCE. The discharge of this debt was officially granted on XX/XX/2024 and the 1099-c was filed with the IRS on XX/XX/2024. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. 

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY. 

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. Transunion is reporting this account was opened on XX/XX/XXXX and XXXX and XXXX is reporting XXXX  They are also reporting inaccuracies concerning the last active dates. Transunion is reporting XXXX XXXX XXXX and XXXX XXXX Lastly, they are reporting different report dates. Transunion is reporting XXXX XXXX XXXX and XXXX XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX XXXX XXXX That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau Transunion, XXXX and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Debt collection

I received too many calls without written statements. 
They still reported to Credit Reporting atgency and damaged my credit. 
I went ahead and paid including finance charge and requested to remove from my credit file No action. 
I have proofs of payments
Product: Credit reporting

This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than XX/XX/2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( XX/XX/2012 ). It would appear that this has had a direct impact on my reduced FICO scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off XX/XX/2012 and not recently as well as {$0.00} balance owed ). Thanks
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. I was suppose to get paid by my employer on Wednesday XX/XX/year> and yet not received anything. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Ive waiting on the phone with them for over an hour and yet no solutions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to conduct a reasonable investigation into numerous disputes I have submitted. They continue to verify clearly inaccurate and or incomplete accounts on my consumer report. This has caused me severe emotional distress, financial opportunity loss, and damage to my credit reputation. I have taken legal action against Experian, SEE Attachments as they continue to ignore my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an application for a XXXX credit card-in the mail which I applied for Received a letter dated XXXX XXXX from XXXX-denying the applicationCiting : Serious delinquency, almost past due on all accounts , % of balance to high credit on banking or revolving act, lack of recent bank/national revolving information And a XXXX score of : XXXX I mailed them a letter to XXXX card, XXXX XXXX XXXX, XXXX DE, XXXX. Informing them that none of their information was correct-NO Response in over a month from them or an apology & correction. Then I mailed a letter to you complaint # XXXX-From you that you were unable to contact me through E mail. What is your problem? My account with XXXX : XXXX-has no problems like this in the past saying XXXX mails were unable to deliver to it or were returned You requested a correction of E mail for delivery E-Mail : XXXX Secondary E Mail : XXXX Hope you can resolve this problem of false information being distributed Thanks in advance
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent accounts apparent on my credit report.
Product: Money transfer, virtual currency, or money service

i was trying to top up on my XXXX ago then again i done it XX/XX/22
Product: Debt collection

Signed a XXXX lease at an apartment complex in XXXX of XXXX. Since the date of move in, I was living in a moldy apartment with visible mold, and a water leak. I reached out to the office numerous times about the issue. It was never fixed. I paid all of my rent during the months that I lived there. I vacated and terminated my lease on XX/XX/XXXX. All rent was paid up to the point and there was no balance on the account. My room mate and I paid thousands living in a hotel because we couldn't live in the apartment anymore. 
Here 's a brief timeline of what happened. 

XX/XX/XXXX I put in an emergency maintaining request to address the leaking pipe and mold. 
It wasnt taken care of. 
XX/XX/XXXX I put in another emergency request. 
XX/XX/XXXX I got an email stating it was resolved. 
I replied back and let them know that it wasnt resolved. 
On XX/XX/XXXX I spoke to a manager and they said itll be fixed that day.

It was marked as complete. However, there is still mold and a leaking pipe.

I reached out to the complex manager and she insisted that I must pay the termination fee. However, in the contract, it states, " Promptly notify us in writing about any signs of water leaks, water infiltration or mold. We will respond in accordance with state law and the Lease Contract to repair or remedy the situation, as necessary. '' For the record, the office was notified numerous times. 

It also states, " If we believe that fire, catastrophic damage, extermination issues, mold and mildew or any habitability issues whatsoever is substantial, or that performance of needed repairs poses a danger to you, we may terminate this Lease Contract within a reasonable time by giving you a written notice. '' With that being said, XXXX XXXX, the Assistant Community Manager, insisted I pay the termination fee. I didn't pay it because of the negligence on part of the management and service team. If the issue was resolved promptly the first time, or second time, or maybe even the third time, I wouldn't have moved out. I was paying rent for a place I was not even living in. 

I emptied the apartment and cleaned it, and sent in my keys.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to transfer {$220.00} from my Venmo account to my bank account. Venmo used a secondary card for that transaction instead of my primary card that I use daily. The transfer is lost in the cloud somewhere. First I was told wait 3-5 days to see if it fixes itself. Acceptable. Only it didn't. When I called back, I was hung up on. I called again and was refunded the fee but told nothing could be done about the bulk of the money or the transfer. I emailed support and was told to wait another 8-10 days for another email with further instructions. At this point I'm assuming my money is just gone. A financial institution with no answers or resolutions. Scary. A class action lawsuit is sounding like the solution after reviewing their XXXX and the comments from 100 's of other customers experiencing the same thing.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After receiving an email alert from XXXX notifying me of a credit rating decrease, I logged onto my XXXX account and checked my credit report. To my surprise, my credit rating dropped a whopping XXXX points, from XXXX to XXXX. 

The reason for this was due to a collection agency named Sequium Asset Solutions whose listed address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia, XXXX, with a listed number of XXXX. Apparently, Sequium is a debt collection service who posted an XXXX XXXX XXXX XXXX debt to my credit report in the amount of {$1400.00}. The date of the debt is listed as XXXX, 2023. 

To be clear, I've never had, nor do I currently have, a mobility account with XXXX XXXX XXXX. 

After disputing the debt 's authenticity with XXXX I contacted Sequium Asset Solutions and spoke to a XXXX XXXX. He asked if I'd been alerted by email or regular mail regarding any outstanding debt and I told him no. XXXX XXXX then asked for my social security number, which I declined to give, offering instead the account number of the debt ( XXXX ) the company listed on my credit report so he could access the information. He then informed me he couldn't access the information by that number and again asked for my social security number, which I again declined, and after a few more minutes of dialogue it was obvious I wasn't going to get the matter resolved without providing my SSN, so I hung up. 

An online search of Sequium Asset Solutions revealed they're a debt collection service dealing primarily with telecommunication debts and have had several complaints, due, in large part, to inaccurate or unsubstantiated claims of indebtedness. Interestingly, the site I referenced lays claim to Sequium 's legitimacy even though many who've dealt with the company ( including myself ) believe them illegitimate. As I spoke with the gentleman over the phone, I could hear in the background several people talking simultaneously. 

Under no circumstances would I give a company I'm unfamiliar with or haven't done business with my Social Security number over the telephone. In my belief, any account information regarding a debt could - and should- have been accessed by Sequium 's own assigned account number. 

A XXXX point drop in my credit rating has the potential to damage my financial future, so I need to have the issue resolved immediately. Please investigate this matter with all expediency and diligence that I may again enjoy above average credit and have the debt removed immediately from my credit rating. 

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

Rushmore Loan Management Services reported my forbearance agreement to the credit reporting services. I believe the Cares Act prohibits this reporting? 

I was current in good standing before our agreement entered into on XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach identified my information as effected.
Product: Debt collection

On XX/XX/2020 around XXXX, I have received a call from number ( XXXX ) -XXXX.. with caller Id showing as a Potential Scam. When I answered the call the caller screamed my name. I told him that it was me. He then asked me for my date of birth. Then told me that I owe {$290.00} to a hospital in NJ. I asked him to send me the bill and told him that if I really owe them then I will pay them. He said that he is not the one to send the bills. I told him that I do not owe any hospitals as far as my knowledge goes. He said he works for Wakefield Associates law firm. And if I do not pay, he started threatening me and my family. The caller said that he will spoil my family 's history ( not sure what he meant by that ). Threatened severe action.I told him that I will complain to federal authorities. He said " go ahead and do it ''. 

After few minutes, I went on Wakefield Associates website and wrote a complaint. The next day, a person by name XXXX, claiming to be from XXXX XXXX, messaged me on my XXXX. I told him all that happened. This morning XXXX sent me another message saying : " Would you be free to discuss this on the phone? ". So far I did not reply. My wife is sick, she has severe XXXX ( hope it is not XXXX ). None of us are going outside. Calls like this are scary. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

On Friday afternoon XX/XX/2020, Citibank unexpectedly closed our two business account with {$130000.00} on deposit. We did nothing wrong. They closed the account without warning, discussion and reason. They told me that any funds would be available after 60 days. I don't understand why our funds are not available immediately. And what does after 60 days mean? Indefinitely? Upon reviewing their terms and conditions their paragraph discussing closing of account only states that upon closing any funds would be paid by bank check. Upon calling the number provided by Citibank letter, XXXX, option 7 we were met with a rude person who explained they would not release any money at this time and them proceeded to hang up the phone on me. Upon visiting the branch manager XXXX XXXX at XXXX XXXX XXXX XXXX she said she was unable to contact anyone and speaking with her was a dead end. So now we have no one to speak with and {$130000.00} on hold. This is creating a financial and legal hardship on us as our clients are waiting for their merchandise which is unavailable without the funds. This was explained to Citibank and was told they were hanging up the phone and the Branch Manager just threw up her arms as though she was surrendering. Please take action as this should never happen to anyone. Yet I am seeing this behavior as the usual course of action by banks. Our phone number is XXXX XXXX XXXX XXXX. Our email is : XXXX. Thank You
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I am unaware of this matter, and the company did it without my approval.
Product: Credit reporting or other personal consumer reports

***EQUIFAX*** This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all XXXX bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX XXXX {$13.00} XX/XX/XXXX Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 


Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my Equifax report. For some reason I had ( XXXX ) inquires on my report. As of XXXX for some reason XXXX hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX