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

On XXXX XXXX I requested via certified mail as well as through the Cfpb portal to verify this debt and provide documents verifying debt. The company never responded with documents or proof of debt the credit reporting agencys only verified debt without physical or digital verification of any signed contract that was requested on XXXX XXXX attached are the proof of violation, identifying documents, and request to remove and block this account. If this account is not removed for this violation I will be processing my demand letter, as well as lawsuit for violating federal law of 30 days to provide documents I formally requested. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Account number XXXX This is the Violation you violated against federal law. I will proceed to file lawsuit if you do not remove this account 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).

( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/2020 XXXX XXXXXX/XX/XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a second dispute letter was sent certified mail to Experian requesting a copy of original consumer contract with my signature to be mailed to my address. The following accounts were remain unverified on my credit report. 


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: Checking or savings account

I recently moved within XXXX  and received forwarded mail from my old address that included a bank statement for an account I neither applied for nor authorized. 

The bank is Regions Bank, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The bank statement covered the cycle from XX/XX/2021 through XX/XX/2021. The statement identifies the account as " Lifegreen Checking For Students '', with an Account # XXXX. 

It has a beginning balance of - {$4.00}, Deposits & Credits {$4.00}, and an Ending Balance {$0.00}. 

I contacted the Bank Customer Service department and spoke with " XXXX '', who after a lengthy conversation, was able to verify that indeed an account was created under my name with the account number per the Statement. Further she agreed to close the account but could not provide any other information. She then transferred me to the Bank Fraud Department and I spoke with " XXXX ''. 

XXXX was unpleasant, not at all helpful, threatened to disconnect me, and insisted that what I had been told by Customer Service was not only incorrect but that in order for me to close the account, I had to submit an affidavit to the nearest Bank Branch. That branch is XXXX miles away in XXXX. 

Next, I called the Regions Bank in XXXX and asked for the Bank Manager. The man who answered my call identified himself as the Manager. His name is XXXX XXXX XXXX. 

I explained the situation to XXXX who asked questions and agreed the account should be closed but went on to indicate several surprising and alarming things. 

First, he was aware of a high volume of fraudulent account opening activities like the one which affected me, that have been ongoing over " the past several months ''. 

Second, the Bank was not only aware of this fraudulent activity but had acted to close the accounts including my fraudulent account. The four dollars in and out of the account was what the Manager described as a " charge off ''. Furthermore, in order for me to clear my credit, he suggested I needed to complete an Affidavit which he later sent via email.

Third, the Manager indicated that to his knowledge and according to information he was given, these fraudulent accounts were created online. 

I have several complaints : 1. The bank did not notify me of the fraud they were clearly aware of. I believe this to be a serious violation of my rights.

2. According to the bank employee, these fraudulent activities have been ongoing for months and they did nothing to stop my identity or credit from being compromised. Had they done so, the fraudulent activity should by now have been mitigated.

3. The bank should bear all responsibility for damages for fraud they were and are aware of, including the four dollars charge off, and any misreporting to the Credit Bureaus. The Bank is responsible to investigate and remove any and all incorrect information.

4. The Bank is by their process open to violations of the Anti Money Laundering regulations and needs to bear the consequences for any violations.
Product: Debt collection

Medical debt for services received on XX/XX/XXXX that has a history of not being billed correctly to the insurance company.

Three notifications have been made to XXXX and i even connected them directly with my insurance provider. The biller continues to bill the wrong carrier. 

The biller has turned the account over to Medicredit, a debt collection company. 

Documents mailed directly to XXXX Consumer Response Specialist on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed the following company to look at my credit report without my authorization. This is illegal and subject to FCRA lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I have been receiving calls from Revenue Enterprises LLC for months. I do not talk to them. Their message says they are a debt collection service. They do not say who owes the debt or use my name. I do not owe any debts so I think this is a scam. They are located in XXXX. Co. Their telephone # is XXXX XXXX XXXX but they leave a different call back number. I would think that not getting a response from me they would send a written notice if they are legit. Please advise me on how to get the calls to stop.
Product: Money transfer, virtual currency, or money service

A friend transferred {$50.00} to me using the Cash app, owned by Square. She looked me up using my email address. I had an account with Square using my email address. 

When I logged into the app with my email, the app asked me to verify my identity using a code sent to my email. I did this successfully. The app then asked me to enter a debit card number to verify my identity. It asked for a debit card number from many years ago when I initially set up my account. My debit card number had since changed, so I no longer had access to it and didnt know the number. 

This seems a very silly way to verify an identity. Peoples debit card numbers can change and its not something people usually memorize. 

Their in-app, chat-based support then led me on a wild goose chase of creating a new account, trying to merge these accounts, etc. 

At the end of the day theyre telling me they cant help me. Meanwhile my friend is out {$50.00} on her end. Im out {$50.00} in my end. And their support team is telling us the transfer doesnt exist even though money was deducted from my friends account.
Product: Bank account or service

I recently opened a Wells Fargo account so that I could deposit money for rent, after a short time, my wife and I decided to use a joint account through another service. I emailed Wells Fargo and asked them to close various accounts, a few days later, I noticed I was still receiving alerts from them in the mail. I checked my account and saw that I had an outstanding balance in their credit card service. I called and asked that this situation be resolved, which I assumed it was. I then saw further notifications, and again emailed them, and was told I did n't request to close ALL of my accounts. I called again, and went through various channels, and was told that someone did not properly close my credit card account as promised, but after 50 minutes on the phone, was assured this would be fixed. 

To my dismay, this issue has still not been resolved, and I still have a credit account with Wells Fargo that shows an outstanding balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the discrepancy in how my XXXXredit score has decreased within a XXXX period. My concern at this time is that my XXXX XXXX has decreased from XXXX to XXXX in less than 30 days. More specifically, XX/XX/XXXX, to XX/XX/XXXX. The reason for my concern is that my credit profile has not changed. My income is {$XXXX}, my credit usage is less than 1 % and I recently paid off an auto loan in XX/XX/XXXX. My student loans are paid on time in which XXXX of my student loans was paid off in full. I have no credit card debt, which leaves me to believe my identification has been compromised. I recently placed a freeze on my credit report from any inquiries. I just learned that someone elses address is listed on my credit report. 

Unless there is a serious miscalculation in the formula used, how can my score continue to decrease if my payment history shows pays on time? It is hard to believe that my score would decrease at this pace with XXXX credit inquiries. There can be no other explanation for a XXXX loss in my credit score for which I think a full investigation and explanation is warranted. 

Over the past 60 days I have allowed inquires when applying for loans to finance a XXXX procedure. I believe that the XXXX  offices might have shopped my credit report around allowing my credit to be pulled multiple times which seems to have compromised my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses on my report. My experian report shows the address XXXX XXXX XXXX XXXX XXXX XXXX  ca XXXX, i do not live here and never did.
Product: Student loan

This in regards to my XXXX forgiveness and the refund I am due yet have not had a sufficient response from Mohela in regards to this. According to the records I paid XXXX payments and although my loans were discharged in XX/XX/XXXX, loans paid off as of XX/XX/XXXX, I have not received my refund as of yet. 
When I spoke to XXXX on XXXX and he spoke to supervisor XXXX and she created an escalation case, # XXXX, XXXX reiterated that my loans got to 120 payments as of XX/XX/XXXX and I was due a refund. He noted that they were still processing the refund. I called today and spoke to a XXXX who was unable to view this last conversation and whom forwarded me to speak with XXXX XXXX XXXX. When I spoke to XXXX XXXX XXXX, they noted that it was Mohela 's responsibility to send the refund payment as they are the loan servicer.
Product: Mortgage

I have been told I am behind on my mortgage, when this a stem from mortgage company over payment of taxes. I had city officials readjust taxes. I email copy as advised. This start in XXXX XXXX. Have spoke with supervisor for the company advising issue was corrected mid XX/XX/XXXX. Only to now be told XX/XX/XXXX I was XXXX payments behind after making XXXX and XXXX payment on XX/XX/XXXX. I get a rep that tells me on XX/XX/XXXX I am correct I do not have any behind payment owed. Loan Depot is the worst company to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX  XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX XXXX late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me XXXX XXXX late in in XX/XX/ 2021. There was an error on their part. I was never XXXX XXXX late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  Balance : {$15000.00}.
Product: Debt collection

I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter.
Product: Debt collection

I have requested written request that this creditor provide proof of the debt belonging to me or have it removed. so far no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

CapitalOne offered a balance transfer on my credit card. The offer consisted of sending a check to me for the amount requested so I can use it to pay higher rate cards, etc. 

I executed the offer on XX/XX/2022 ( XXXX PDT ). Today is XX/XX/2022. I've not received a check for the requested amount ( XXXX ). At the same time, CapitalOne *posted* the balance and charged me a balance transfer fee on XX/XX/2022. 

I had a call with a representative on XX/XX/2022. They were not able to either confirm the check had been sent nor provide an estimate for delivery nor explain why a the balance transfer was posted to my account BEFORE a ) the check was received and b ) the check was cashed. 

I've done multiple balance transfers over the years and it is the FIRST time I see such an illegal activity. I'm inquiring costs on a daily basis because of them not meeting their legal obligations, that is, to have provided the check BEFORE the balance is posted on my account. I don't mention the opportunity costs associated with, to name a few, the inability to cover the higher rate cards on a timely matter. 

CapitalOne 's behavior borders fraud. They hold me accountable for a charge on my account without me ever receiving the corresponding service for that charge, that is, the check that I had planned to use. 

It's been more than 15 days since I initiated the transfer and CapitalOne is oblivious as to what the status is. One could potentially think that a CapitalOne employee cashed the check, the balance posted on my account and I'd never receive the funds behind the balance transfer! Etc, etc. 

I find CapitalOne 's process, behavior and customer centricity absolutely outrageous! You can not POST a charge in my account as if I've used the funds without having any intention to provide the funds in a timely manner! It's been 12 days since you posted that balance transfer charge WITHOUT me having received, let alone used/cashed the check!
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.
Product: Bank account or service

On XXXX XXXX, 2016, a Chase Mortgage Banker, XXXX XXXX deducted {$500.00}. from my account before the appraisal was done ( I never scheduled it ). On XXXX XXXX, 2016 I spoke with her and requested my application be withdrawn. She responded by saying ok and that the funds would be back in my account in a couple of days. XXXX XXXX made it 2 weeks so I visited the branch and was informed that the application was approved. That tactic was dirty and underhanded. It had n't been approved when we were sitting in front of her and made the request ; she put the paperwork through anyway disregarding the customers ' request.
Product: Credit card or prepaid card

on XX/XX/19 I was charged by XXXX XXXX on my Capital One platinum card for a purchase in the amount of {$100.00} that I did not make. I have never used this card with XXXX After 2 attempts to resolve the issue with Capital One I still have the charge on my account after I was told twice that the charge would be removed and that I would not have to pay anything on this fraudulent charge
Product: Credit reporting or other personal consumer reports

In Early XXXX  your Company Help me get A collection off my Credit Report that XXXX XXXX XXXX XXXX  on my Report!! Once again XXXXXXXX XXXX XXXX places a collection on my Report!!! On XX/XX/XXXXXXXX XXXX XXXX XXXX!!! I had ask for any Information or paperwork they may had for this account!!! Also I ask them for an address that was given and that state Another address I never lived at. Also I asked the in XXXX  for something to be sent to me because I still have XXXX XXXX XXXX  Now!!! But they never emailed or mailed me anything please help me!!!
Product: Mortgage

Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed. 
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago. 
My question to you is " What the XXXX is Going On? ''