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

The reporting agencies known as XXXX, XXXX, and Transunion continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every thirty days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been XXXX as agreed upon.
Product: Vehicle loan or lease

My car was totaled in 2016, there was a settlement offer made of approximately XXXX, at that time they said they would update my account and my credit report to show the amount they lowered the balance to. This did not happen, I never received the paper work in the mail, nor an email with paper work from them. So, 6 weeks later I call them back and ask whats going on, they told me the settlement offer was voided, and offered me a new one, for XXXX told me to make payments and theyd update my credit account, this never happen, never received anything from them. It now shows up as a repossessed vehicle on my credit when its looked at by other car dealerships and has limited the amount of anything I get financed for, not only that but my interest rates through the roof. This needs to be removed from my credit account. They dont want to hold up their end of the deal stating it would show, and update. This is now going on 4 years!
Product: Credit reporting or other personal consumer reports

MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET MOHELA KEEPS UPDATING AS ACCURATE.
Product: Debt collection

On behalf of XXXX XXXX  XXXX, this company has been harassing me for the last two years, claiming that I owe them money that I do not. They are stating that the money is due to a broken lease and eviction charges. My lease was monthly and nothing was broken. I gave the apartment complex 60 days notice, the woman who I gave it to took my letter and I dont know what she did with it. They never sent me any eviction notices, and if they did I had already left the apartment. They kept my security deposit which I believe I am still owed by them. This is very negatively impacting my credit score and now I am unable to buy or rent another home.
Product: Credit reporting

I have initiated XXXX separate disputes with TRANSUNION for XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and TRANSUNION has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX address and sent them 2 letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

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

Reporting creditor XXXX XXXX XXXX is a fraudulent account reporting on my Experian credit report. The original creditor shows as XXXX  XXXX XXXX, I have never lived at this address. The collection account was opened XXXX XXXX, I have no knowledge of this account and I contacted the original creditor and Experian credit bureau in numerous occasions yet they have failed to removed fraudulent activity from my account. I have filed a police report and have provided proof to both XXXX XXXX XXXX and Experian yet they neglect to fix an issue that has caused financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX -XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

After a review of my credit reports I found that Spring Oaks Capital is collecting on me for a debt that is not mine. 

It appears as if someone fraudulently opened an account with XXXX XXXX using my information. Ive reached out to XXXXXXXX XXXX but they said there was nothing they could do since the debt had already been forwarded to a third party. Prior to Spring Oaks capital reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this matter. Both actions violate my rights under the FDCPA. 

I can provide documentation that supports my claims of me never applying for a XXXX XXXX card. Documentation will only be presented in-person under the advice of legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service, and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for those violations.
Product: Mortgage

we attach two complain we start before but the process start on XX/XX/XXXX the BBVA USA start to ignoring my petition to cancel the PMI insurance. we do a process 3 year a go and denied and from the last 18 month be I was ignored and I am not given the service that I deserve as a customer I has evidence for the process from XX/XX/XXXX. 

Last month they cancel the PMI after two complain with CFPB but for us the situation is Half solved XXXX the result was that they were left with {$2500.00} for all that month we are waiting for his employee doing his job. 

They were not responsible for the inefficiency of their employees ... ... .They delay the process so that the client pays more and they play XXXX as if one did not know what they are doing. attached you have the two complain and the appraisal.
Product: Vehicle loan or lease

I extended my credit my credit to Capitol One for the amount of {$150000.00} on XX/XX/2023 they denied me I sent a Anticipatory Breach of Contract to them certified mail XX/XX/2023 and a Opportunity to cure stating CAPITAL ONE to apply the application Reference # XXXX and use this application as SECURITY COLLATERAL ADVANCED PAYMENT to set off the Principals Balance IN FULL each and every billing cycle. Pursuant to [ FEDERAL RESERVE ACT SECTION 16 P.2 ]. XXXX XXXX has entered into a fiduciary relationship and you now have obligations to up hold. Pursuant to [ 12 USC 1431, 15 USC 1615 ] I hereby instruct the CFO or indentured trustee for CAPITAL ONE to respond in writing if these instructions can not be completed. You have five business days. If I do not receive anything in five business days I can assume these instructions have been successfully performed. 
No reply
Product: Vehicle loan or lease

Sold vehicle I had financed with Chase Bank. I owed {$25000.00} and sold vehicle for {$30000.00}. Buyer sent check ( was told it was a cashiers check ) directly to Chase bank. Check was rec 'd at Chase on XX/XX/20. I contacted Chase on XX/XX/20 and was told loan was paid in full. I specifically asked if it was okay in releasing vehicle to buyer. I was told yes, it was a recorded line so this should be verifiable. I was told it would take approximately 10 days for the additional funds to reach me. On XX/XX/20 buyer provided sent me a proof of insurance on vehicle and arranged for a local towing company to pick up the vehicle. On XX/XX/20 I reached out to Chase Bank again on status of check that was to come to me and was told the check had been mailed out. On XX/XX/20 Chase mailed me the vehicle lien release. On XX/XX/20 after still not receiving the check I reached out to Chase who advised the check mailed to me certified check and been intercepted because the buyers check had a stop payment placed on it on XX/XX/20 and therefore the loan was reinstated. At this point the truck is no longer in my position and Chase has been completely unwilling to help and continue to state my next payment is due on XX/XX/XXXX. I've spoke with their fraud department who said it was a said situation, but there was nothing they could do. I've asked Chase for a copy of the check and they said they would mail it to me, but haven't gotten it. I do not understand how Chase can accept a check on XX/XX/20 and it allowed to be stopped XX/XX/20. Of course the buyer 's number is no longer in service, the police has went to the location that the truck was delivered and it isn't there, the address the buyer gave it to an office building. I felt having the check mailed directly to Chase and waiting for them to advise us when it was safe to release possession of the truck was being extra cautious and they are blaming us for the issue and told us just to turn it in to our insurance. This will cause our rates to go up and be possibly dropped.
Product: Credit card or prepaid card

When I opened my account in XX/XX/XXXX I was given a {$2000.00} Credit Limit. I paid way more than my minimum amount due every single month. I was trying to raise my credit score. In XXXX of XXXX, I made a payment mid month, and then on XX/XX/XXXX I paid {$800.00} for my XXXX payment which was an early payment. On XX/XX/XXXX I paid my entire balance off in the amount of XXXX. I did this right before I left to go to Colorado which was 18 hours away from home to take my daughter to a medical specialist. I had used every penny I had to my name to put on this credit card to help my credit, with the expectation that it would be available for my future use. They instead lowered my credit limit to {$390.00} as soon as I paid the balance off. I called immediately to inquire to the reason and dispute it. I was told that it was reduced due to a late XXXX payment ( that I paid early in the amount of {$800.00}! ). I could not get them to fix the situation but I was given a fax number to fax in my dispute. I was told that I could suspend payments until the dispute was responded to and resolved. I went to Best Buy and faxed the dispute from there, I also contacted my bank to dispute the payment since they put me in a horrible situation being 1000 miles away from home with no money or no credit card to use. The bank agreed with me about my dispute and issued me a provisional credit, and later issued me a final credit for the {$1900.00}. Last year before they closed my account they told me they would set me up on a {$60.00} month payment plan, and would raise my limit once it was paid off. I electronically signed the documents for the payment plan, and then they instead closed my account further harming my credit. They are still reporting late payments and now a charge off even though they never responded to or resolved my disputes.
Product: Credit card

I was in a car accident, because of my injuries I was out of work for 5 months without pay and my account was closed without my knowledge!!!
Product: Debt collection

debt was settled but they said they wont removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have been trying to work with Transunion for several months regarding a recent omitted information pertaining to my personal credit record. To date I have received no resolution to the matter. They have omitted a positive tradeline from my credit file and are willfully not reporting. This omitted information is making my credit file appear to have limited years of credit. I have had a tradeline with XXXX  / XXXX since XX/XX/1999 with a perfect credit history. The only correspondence that I have received is response from transunion trying to blame XXXX/ XXXX XXXX for the error. I reached out to XXXX/ XXXX and they confirmed that they are making the reportings to all three bureaus every month as they always have. They advised me that they had no dealings in removing this from my report last XX/XX/XXXX and have notified Transunion to update accordingly. It is my belief that Transunion is willfully not reporting and it is damaging my credit history. Can you please help me resolve this matter as Transunion is unresponsive to the matter. 

Thanks, XXXX XXXX
Product: Debt collection

On XX/XX/2023, I received a notification from XXXX that a collections account has been reported. When I looked into it, it said that it was for XXXX. I never received any communication from this collection company and they never attempted to verify the debt whatsoever. In addition, I do not owe XXXX. I don't have a relationship with XXXX. This is absolutely ridiculous.
Product: Credit card or prepaid card

Hello, Sometime on XX/XX/XXXX I opened a credit card with Macys. I used the card and paid off the balance towards XXXX of XXXX so I only had the card for a month, I called and requested the account to be closed I was not fully aware that it was a credit card. 
Macys neglected to close my account and now when I am trying to buy a house I requested a copy of my credit report and Macys is reporting two credit accounts and had me delinquent for over a year. 
They never send me statements and I know I had closed the account. I have made numerous phone calls and requested to correct my credit report that what they are reporting in false since I only had one account not two, I closed the account they should have not been a balance on the account, they never notify me that the account was delinquent. 
The report Macys is reporting is false and incorrect of the status of my account
Product: Debt collection

This is the log that I started yesterday after my first contact with this company. 

XXXX on XX/XX/20 My call to XXXX ( Northwood Asset Management ) I called and spoke with Mr. XXXX XXXX response to two missed calls from him on my work line the previous day ( XX/XX/20 ) when I was not in. He had left a voice message telling me to call him regarding a specific claim number. I told him that I can not receive these types of calls at work and asked what he was calling about. He said it was regarding a loan that was taken out in my name last year. He then said that I needed to pay {$3000.00} to get the claim cleared. I told him I didnt have that kind of money and asked him to send me something in writing about this. I have not received any written communication about this. Mr. XXXX refused to send me anything in writing and said that he could email me something. He threatened to call the payroll dept. at my job and take 20 % of my income until the amount is settled and seemed to be rushing to do this. I asked what other options I had because this did not seem right, then I again asked for something in writing explaining this issue. Right in the middle of my sentence, he accused me of a stall tactic and abruptly hung up on me. That was very rude and unprofessional. Totally uncalled for as I had not raised my voice, called him any names or acted rudely in any way. If anybody was trying a stall tactic, it was him. Hes trying to rush to collect on something that this shady excuse for a company hasnt verified in writing and gets mad and hangs up on me for simply asserting my rights. 

XXXX on XX/XX/20 Call from XXXX This call was received after I repeatedly told Mr. XXXX that I could not receive these types of calls at work and told him not to call me at work anymore. He called to tell me that this was his final call and that due to the lack of contact on my end, they were forced to write me off as a direct refusal for voluntary cooperation. This was after I called and spoke with him that same morning and attempted to get further information on this claim in writing and tried to discuss options to get this cleared. This was after Mr. XXXX hung up on me as I pleaded with him for a workable solution. To say that I refused voluntary cooperation is a completely deceptive and blatant lie. 

XX/XX/20 At XXXX, I filed an online complaint with the XXXX. 
At XXXX, I received another call at work from XXXX after a message was left by Mr. XXXX on my work line yesterday telling me that was his final call. There was no message left from todays call. A blank message was also received on my cell phone shortly before this.
Product: Credit reporting or other personal consumer reports

The current addresses on my credit report are incorrect, please update to this address " only '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please correct ASAP
Product: Checking or savings account

I've gotten withdrawal on my account wasn't mines wanted to see the video who was on the video to see do I recognize the person
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX, Capital One closed my account. I was getting a loan for my Business. They was saying its Fraud. But its a LOAN which Im not understanding why its fraud. The amount should have been {$40000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I notice that i have an auto hard inquiry on my credit reports in which i did not authorize nor was i there to give my authorization for them to pull my credit report. as a result of this, this is hurting my financial health to apply for mortgage and auto loans myself. I believe someone got a hold of my information and used my social security to apply for car loans unbeknownst to me. this inquiry happened on XX/XX/year> as stated on my credit report files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information CenterRe : Notice of Dispute Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account because you are inaccurately reporting, This account was charged off on the following date XXXX. 
Since then, the account has repeatedly been updated as charge-off every month. 

This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Debt collection

Client services, inc is a fraud. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX mo They have my name and address. Sent me a letter saying I owe them {$2500.00}. They say they are debt collectors. This letter looks so real who knows how many people they have frauded by this! Reading their comments, this has happened to many people. Also, people who work there have commented as its a horrible place and that its not for the kind hearted. Ya because yall are scammers!
Product: Checking or savings account

Someone has been opening bank account without my knowledge or consent alot of bank accounts