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

In the matter of this collection, I see that other company is so persistent to say that there is no error and keeps on putting this collection back onto my credit report now first of all in the case of you know like having a collection through a company or something I dont think that company allows you to get any form of services through their company again until you pay off what you owe now if I owe this company, then I dont think that I would have their service currently up-to-date as we speak today, so how can I have it in collections and then have The same company under a current account that does not make sense and I have done nothing wrong and I just need for this to be dropped off the credit report because it is an error. I dont know the info that you guys may have but its all fraud and all cases and, if I have to get a civil suit to sue a company to prove to them that I am innocent and it isnt good to have a {$1500.00} collection on your report because it holds you back from lots and lots of things dont take it off and then have a other company pick it up again is XXXX and Im upset and Im sorry excuse my XXXX  but Ive had enough of it and Im over it totally so this is my last and final time asking you guys to please remove it or it will be XXXX XXXX XXXX XXXX XXXX and all the other people who say that I am supposed to pay off this debt I cant even get a debt consolidation loan because its saying this XXXX thing you feel what Im saying it is fair and sir or now whoever is seeing This Can you please understand where Im coming from? Thank you and have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud account XXXX my information was stolen in the XXXX  data breach and this account was open with stolen information, Current shows as a charged off account with a 0 balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX and a collections of XXXX is listed my report.
Product: Mortgage

I am going thru a loan modified with ocwen, their attorneys and " commissioner '' are harrasing me with 12 letters and certified letters demanding access to my property to access for immediate auction. I have called ocwen, now for the second to clarify the auction threat. At this time ocwen confirms they received my package on XX/XX/XXXX, but have not reviewed as of yet, so they have no scheduled sale. This the second time the ocwen attorneys have made this bogus threat. I had to schedule a meeting with someone otherthanmy case manager to get an update. My case manager available on XX/XX/XXXX but have meeting XX/XX/XXXX @ XXXX. due to judicial malfesience affecting a lien on this property, filed by myself, I think both sets of attorneys are ganging up, illegally pushing for this foreclosure to go thru. In hopes I will be unaware of my rite, and will surrender. I left an extended message with the ocwenz attorneys " commissioner '' and have not gotten any response back, his threat of accessing my property is for the XX/XX/XXXX. As with the 1st time, I was not informed INA timely fashion as well as being told, not asked to property access.
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 XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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

Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXX financial Transunion account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
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
Product: Vehicle loan or lease

I am filing this complaint regarding my auto loan with Capital One Auto Finance. I financed a vehicle through Capital One, but they failed to secure the vehicles title. I wasnt aware until it was time to renew the registration. This has left me unable to register or legally drive the car for over a year. 

I have repeatedly contacted Capital One about the title issue from approximately XXXX of XXXX  to XX/XX/XXXXXXXX  but they have not resolved it. I have been assured multiple times that they were working on it, but no progress has been made. As a result, I stopped making payments on the loan because I cant afford to pay on a vehicle I cant use. 

Recently, Capital One offered me a settlement of {$4300.00} to resolve the loan. However, I believe this is unreasonable given that I can not drive or register the vehicle due to their failure to secure the title. Additionally, Capital One continues to report the delinquency to credit bureaus, causing harm to my credit despite the fact that this situation stems entirely from their negligence. 

I also attempted to voluntarily surrender the vehicle, but Capital One refused to accept it because of the missing title. This leaves me in a position where I am expected to pay for a car that I can not use or return, while my credit continues to suffer.
Product: Mortgage

I worked with watermark home loans to refinance my house. We agreed on a no cost refinance loan. The lender credit was suppose to cover the expenses of my refinance. When I received Closing Disclosures they were never correct and constantly changing. We I voiced this to the lender over the phone they said don't worry it will be correct on signing. After I signed I notice the lender credit was only {$600.00} and fees paid to borrow were {$3100.00}. I called the lender and they stated that the reduced lender credit is because they had to extend the loan because all of the changes I made. My appraisal came in lower than expected which caused me to reduce the cash out portion. I was never aware a loan lock was being charged to me. XXXX XXXX who worked with me through this process told me the company is not going to do anything and they can just cancel the loan and applied pressure stating rates have increased anyway, as well as good luck finding a better rate now. An email below from the processor even states the initial terms of the loan which had a higher lender credit. 

" XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to me XXXX, the revised pricing for the $ XXXX loan amount you requested is shown below. 
Youd still be at 2.875 % with a {$1500.00} lender credit and your new P & I payment would be {$1200.00}. 

Hope that helps you know which way to go Regards, XXXX. 
XXXX XXXX ''
Product: Credit reporting

I 'm currently homeless and I applied for a home on XXXX, CA. I was denied renting the home because there is an eviction showing on my tenant screening report. I 've reached out to the reporting company ( XXXX ) and advised them that case # XXXX was included in a chapter XXXX bankruptcy and was discharged on XXXX XXXX. The reporting company updated the tenant screening report to show as discharged. According to Experian credit report : " Your Experian credit report does not indicate that you have been evicted from your residence. However, your credit report could include a collection account for unpaid rent or lease payments, and as in your situation, a civil judgment if you were sued for breaking the lease. 
The court judgment will appear as a public record in your credit report and will remain for seven years from the filing date. Any public record item in a credit report would likely be considered very negative and could affect your ability to qualify for a new rental agreement. 
If included in bankruptcy, the judgment will be removed when the bankruptcy is discharged. You may want to submit documentation of the bankruptcy filing, discharge, and schedule of debts showing the judgment was included. A Chapter XXXX bankruptcy will continue to be reported for 10 years from the filing date, regardless of the discharge date. 
Any collection accounts discharged through bankruptcy are updated to show that they were included in the bankruptcy, but will still show the account history for seven years. 
Thanks for asking. '' The " Ask Experian '' team XXXX
Product: Checking or savings account

I opened a small business account online with chase. I received a call at XXXX that night from a lady with broken English saying she was from XXXX and she wanted me to give info to her to verify my account, I told her I would not. She said she was going to lock my account and I can call the number on the back of my card. My account was new so I did not yet have a card. I called the bank in the morning and they said they froze my account and I needed to go to a branch and show an id and they said it would be ok. I went to their branch in XXXX XXXX that is over 30 mins from my house, they said they were to busy to deal with me and said come back Monday. I am also busy and have already been on the phone with them for hours. I call back on my way home from the bank and after hours on the phone I was told they closed my account and will mail me a check for the remaining funds to the address on file. I waited a few days and called back to see if they mailed the check they said no I had to talk to someone in this one department, so I talked with that person and they said they would mail a check. I waited a week and a half and called again, they told me my claim to my money was denied they were keeping my money and there was nothing I could do to get it back. I went to a branch in XXXX XXXX, they were very helpful and spent an hour and a half on the phone and in the end they could not help, they took my phone number and said they would call me in a few days.
Product: Mortgage

Im going threw marrige problems an i was not paying payment cus i was getting divorce so an didnt want house. But i relized that im messing up by not paying an i want to keep the house sorry
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$5000.00} worth of virtual currency from Coinbase. On XX/XX/XXXX that {$5000.00} was withdrawn from my checking account and sent to Coinbase. On XX/XX/XXXX I received an email that my order had been cancelled with no explanation as to why and that I would receive my funds back in my bank account within 3-4 business days. I immediately began a support case via email with Coinbase to clear up any confusion & rectify the mistake of the order cancellation. I received no personal email response so I began calling Coinbase to try to understand why the order was cancelled and when I could get either my currency or my USD back in my account. At the time of writing this it is XX/XX/XXXX and I have spent many weeks calling and many hours on hold with no resolve to my issue. I still have no money back in my checking account and I have no virtual currency either. My case is continually 'escalated to a specialist ' but no one can provide any answers in regards to when I will receive my funds back, what happened or why it is taking so long. At the time of writing I have logged 18 phone calls and 7 emails with no resolve since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX # XXXX on my credit file as being late on XX/XX/2016. However Im an authorized user on that account which is in my wifes name XXXX XXXX, we pulled her Equifax file and the same XXXX XXXX account on her file is not reporting late payment on XX/XX/2016. Obviously you cant have the same account reporting different information on 2 different credit file. I have enclosed a page of my wifes account reporting correctly on her file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong name and date of birth is reporting from all three bureaus my correct information is not showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XXXX XXXX, 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report from all three bureaus, including Transunion, XXXX and XXXX I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX  ( XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as Transunion, XXXX and XXXX to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting Agencies are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I am submitting this complaint to request that the Credit reporting Agencies remove the following items compeletely from my Credit Report ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$17000.00}
Product: Checking or savings account

On approximately Thursday Saturday XXXX XXXX, I tried to access my JP Chase mobile app with my username and password. Once I put in my user name and password, a screen popped with a screen message called Disclosures and Agreements. Apparently chase bank will not allow you to access your accounts on the app on my phone and desk top unless I sign the Disclosure and Agreements. I did not discover this until that Thursday morning  when I was running off to work and I needed to get gas. So the choice was to check off that I was going to sign this agreement without reading it just so i can see what's in my account to pay for gas. And the agreement is in extra fine print and full of legal terminology that only an attorney can truly understand. So I went back home got cash from my wife returned to the gas station, got gas and got to work late. My question is why doesn't chase give you the option to bypass this screen so you can see your money and be able to go back to this screen and read these Disclosures and Agreement when you are not under pressure to sign which amounts to signing something you may not fully understand or under duress. It's almost of form of coercion. So later that day I stopped at a branch to ask for some help or clarification. They explained to me that this Disclosure and Agreement is made available to new account users or those people who recently opened an account with Chase and online. I have been with Chase for over twenty years ( I actually can not wait to be done with this bank ) and I have been using the mobile app for years now. So this Disclosure and Agreement shouldn't apply to me. But somehow right now, It's  affecting me. This past Wednesday XX/XX/2020, I had to leave home and drive to a nearby branch to access and transfer money to pay my daughter 's college tuition. This is a serious inconvenience. You're at an atm dealing with money and you're conducting your banking which is very dangerous because you're dealing with money and your attention is divided between account transactions and your surrounding. Who knows who's watching you. Why do I need to sign this Disclosure and Agreement before I can access my account? Are they allowed to do this? And why don't they give users the option to bypass this agreement until they have time to settle down and properly in their convenience review and sign or opt out or not sign this Disclosure and Agreement?
Product: Debt collection

I have not received any notification about attempting to collect a debt. I checked my XXXX XXXX on XXXX XXXX and my credit score has dropped over 50 points. It was not on there the previous day. The date beside the collector says XX/XX/2020 and I have heard nothing from the company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling disputes, particularly highline, significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking these transactions was unfeasible. The CFFBs finding indicated that zelle has not only neglected to protect customers but also allowed offenders to exploit the system, leaving users valuable scams. The lack of accountability. And transparency is unacceptable and raise a serious concern about customer safety
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I've been trying for the last few weeks to set up a my.equifax.com account. Because my credit file is thin, they have asked me to mail in documentation. 

After that, they entirely stonewalled me. Calling them just causes me to go around in circles before they hang up on me. ( I have recordings, but because Equifax still reads out personal data like social security numbers, I'm not going to publish those ). They promised me on XXXX, for example, that I could talk to an agent at some point, then never actually scheduled the call as far as I can tell.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. I have previously filed several complaints to get this information corrected my name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX Ga XXXX do not stall this complaint by asking for my identification because I have attached it to each complaint and to this one as well. You have proof of my address as well. Delete this incorrect information because anything else listed would be considered identity theft and the address is prevent me from obtaining credit I am rightfully entitled too.