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

I received correspondence from XXXX XXXX XXXX services on XX/XX/XXXX stating they needed me to contact them regarding an application for a business card account. I will attach referenced letter. I called on XX/XX/XXXX to the number provided ( XXXX ) @ XXXX XXXX and spoke with " XXXX '' in the verification dept. While speaking with him and explaining that I had not applied for any account, that I already have cards with XXXX I noticed on the letter it has my name and a different address, one in NY. I live in Kansas. XXXX told me he would cancel the application and notify the credit reporting agency ( Equifax ) to remove the inquiry on my report. I received notification also on the XXXX of XXXX XXXX from Equifax Credit Wise that there had been a decrease in my score due to this inquiry from a score of XXXX down to XXXX a drop of XXXX points due to this inquiry. I was assured that it would be removed once they received the letter from XXXX that it was a fraudulent application. I was told to wait 3-4 wks. and I will see the removal on my report. 
On XX/XX/XXXX I called XXXX again to check status and spoke this time with " XXXX '' in the verification dept., who could not find any letter sent to Equifax and assured me that she would do that and also send me a copy of it. I waited again to receive any correspondence and did not. On XX/XX/XXXX I called Equifax customer service and explained the issue to " XXXX '' who found the inquiry still on my report and not able to be removed until XXXX of XXXX. After check with his " supervisor '' he told me that it was a " LAW '' that it could not be removed for 25 months. I explained the situation again that this was a fraudulent application by someone other than myself and it has impacted myself and the credit score due to nothing that I have done and I do not feel I should be penalized for that. Again the word " Law '' was used and I was told there was nothing I could do. I asked him to have the " supervisor '' reference the exact " Law '' that states if fraud is committed on a person that person will suffer the consequences under ALL circumstances, he put me on hold for a few minutes and came back to tell me to contact the CFPB and start the complaint process. Still no " law '' explanation. I feel that XXXX initiated this inquiry without verifying the validity of the application, then after the inquiry was done they probably realized the address error and sent me the correspondence about the application. I am also filing a complaint with Equifax for this issue for refusing the removal of this inquiry. I pride myself in my credit worthiness and am constantly monitoring it to make any adjustments if needed. It's not explainable to me that I should be penalized for errors by any institution or individual that has committed a fraudulent act against me or my good credit standing. 
Please have someone look into the matter further, feel free to reach out for any additional info if needed.
Product: Debt collection

I don't owe anything to CAINE & WEINER with account number XXXX. They should have confirmed this from the Original Creditor XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit card or prepaid card

I have a prepaid card through my employer called XXXX XXXX XXXX XXXX. My card was hacked into. Im not certain, however it could have been hacked into on my companys secure site. I contacted the cards company using the number on the back of the card to investigate, cancel and reissue a card. I am now frozen out of the cards site to look at charges in order to dispute them. The customer service rep for the company said that he would send me copies of my statements. He did not. Nor was a card reissued. He sent me dispute paperwork from a company heading called XXXX with a P.O. Box, no physical address. No email. I have been trying to contact the company by phone and now I am put into a sinkhole hold position for hours. Never to speak to a human. My concern is this companies involvement in the hacking process, my personal security, as well as my companies security. I started investigating this company and found many many complaints of the same nature as my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Consumer Adjustments Company reported to the credit bureau that I opened an account on XXXX, XXXX, 2023 for {$1600.00} with them.. I did not open an account with them nor any company call XXXX XXXX on XX/XX/2023... 

This account on my credit file has dropped my score I tried disputing with the credit bureau and still no success
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX  original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-PHOENIX XXXX XXXX XXXX XXXX-open date XX/XX/XXXX FRAUDULENT INQUIRIES XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3.XXXX date open-XXXX XXXX  XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1XXXX XXXX
Product: Credit card or prepaid card

XX/XX/20 called Victoria secret to see why my account was closed. Balance was XXXX and I had paid last payment in XXXX! They closed my account for inactivity and some other reason! They stated even though I was in good standing when they closed it they could do nothing! I had a period of no job and moved across the country! They stated they do not determine this! They could do nothing! I feel as if they waited for my balance to zero out and closed it! My score has dropped due to no income! But it actually has risen this month so why would they close my account this month! I am so dumbfounded! I feel as if they are mistreating consumers! Comenity bank and Victoria secret have left me with a dropped score now due to them closing my account unjustly! They gave me no number to contact comenity told me to write a PO Box ! I have another account will they close this as well behind my back! I got account assure you aid in having anymore financial trouble! Im very hurt! How can we build credit if you close accounts behind our backs unjustly!
Product: Vehicle loan or lease

Toyota Motor Credit ( TMC ) is illegally withholding {$1900.00}, which should have been posted to my auto loan account through Toyota Financial Services ( TFS ) two months ago. 
The details are as follows : On XXXX, TMC deposited a check for {$1900.00} from XXXX XXXX of XXXX, Idaho, which are funds that should have been posted directly to my loan account. I have attached a copy of the cancelled check along with the remittance advice. 

My phone conversations with Toyota Financial Services customer service representatives on their 800 number always result in a dead-end. I have been met with a series of scripted answers to explain, avoid, and delay any actions on their part. Examples of their delay excuses and tactics are as follows : They would 1 ) forward my complaint to the resolutions department, ( 2 ) complete a special form that would be sent to that department, ( 3 ) post the payment within the next 24-48 hours, ( 4 ) email the resolutions department, and ( 5 ) have a supervisor return my call, which never happened. 
Dates and times of my phone calls to resolve this matter are listed below. 
XXXX ( 22 minutes ) XXXX ( 11 minutes ) XXXX ( 21 minutes ) XXXX ( 34 minutes ) XXXX ( 42 minutes ) XXXX ( 12 minutes ) On two occasions, the representatives CONFIRMED that TMC did receive the check from XXXX XXXX but could not explain why it was not posted to my loan account. 

To date, TFS has made no attempt to post this money to my account. They must stop their illegal tactics of withholding money due to me and post the payment of {$1900.00} to my loan account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX01/28/2024 Experian XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inadequate Investigation of Credit Report Dear Experian, I am writing to formally dispute the results of a recent investigation conducted by Experian regarding discrepancies on my credit report. Upon reviewing my credit report, I believe that the investigation did not meet the necessary standards or adequately address the issues I raised.

I filed a dispute with Experian on [ date of initial dispute ], but the investigation did not yield the correct results. The item ( s ) in question are [ list the specific accounts or items, including any reference numbers if available ]. I have provided the necessary documentation and supporting evidence to substantiate my position. However, the investigation did not resolve the matter in a way that reflects the accurate information.

As per the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and ensure that the information on my credit report is complete and accurate. However, it appears that my dispute was not thoroughly reviewed, and the results were not based on a complete examination of the facts.

I respectfully request that you re-investigate the following items on my credit report and provide a detailed explanation of how the investigation was conducted. Additionally, I request that you ensure all supporting evidence is fully reviewed during the investigation process.

Please treat this letter as a formal request for a re-investigation. I expect a timely response, as required by law. If the dispute is not resolved in my favor, I would appreciate a detailed explanation of the findings, as well as any evidence or data used to come to the conclusion.

If I do not receive a satisfactory response, I will not hesitate to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal assistance if necessary.

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

In XXXX Lustig, Glase rand Wilson put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX XXXX XXXX and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXX in Nevada ... I don't know if this is legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to repair my credit for over a year now after falling on hard times. I have monitored my credit daily and trying to research my options for debt relief. I have found that a company collecting a debt for medical bills has hit my credit report more than once for the same debt multiple times. They change their name and then re-report the same debt to my credit report. Every time my credit score drops because it looks as if it is a different debt. IE : In XX/XX/2019 my credit score was XXXX, a law firm by the name of XXXX XXXX XXXX/capio  reported 6 accounts as derogatory which reduced my credit score to XXXX. 7 Months later I had built my score back to XXXX, then the company Capio Partners LLC report the same 6 accounts as derogatory and my credit drops another 80 points for the exact same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion says it verified a collection in my account through XXXX XXXX This is not true because my XXXX XXXX account has been frozen for years. i asked to show me a contract for the {$130.00} they sent to collection. Anything showing i had an account with this company and they did not provide then information. transunion is illegally reporting items. they have the burden of proof not me yet they continue to report it without proof. now i was denied for a loan specifically because of this item. you need to address this illegal activity.
Product: Credit card or prepaid card

To Whom This May Concern at the Federal Trade Commission : Case # XXXX I hope you are well. 

On XX/XX/2020, upon calling ( without a working voice ) the Wells Fargo XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I had the grave misfortune of interacting with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX regarding attempts to pay my financial responsibility and to be treated with respect. 
1 ) XXXX ~ was no help as she told me that my payment method is a problem and she could not help ; rather than seek resources. 
2 ) XXXX ~ relentlessly harassed me after I repeatedly requested for a manager and I was firmly denied. XXXX was extremely persistent, dominating, controlling, ignorant and aggressively/rudely told me that she can take my payment. XXXX 's forceful verbiage of 'taking my payment ' gave me the strong and clear impression that she only cared about collecting funds and neglectful of human treatment. With this frightful encounter, XXXX made me emotionally and incredibly uncomfortable with her clear violation of my boundaries. XXXX made an unrelated comment about 'with everything that is going on in the world '? At this point, I had no choice but to hang up on her. 
3 ) XXXX/Advocacy ~ surprisingly and appallingly defended XXXX 's comment to me. 
4 ) XXXX, XXXX 's superior/manager ~ was THE WORST. XXXX was unfriendly, repeatedly cut me off, sounded very controlling and arrogant with his position in the company, habitually phrased, " obviously '' to me when nothing was obvious. I AM NOT YOUR EMPLOYEE. When I attempted to share my phone experience with XXXX and notified him that his staff seemed incompetent, XXXX REPEATEDLY THREATENED TO END THE CALL IF I DID NOT STOP USING NEGATIVE WORDS ABOUT HIS STAFF. XXXX told me that he does not allow negative comments about his staff. 
5 ) Upon filing an official complaint on the listed individuals, I was provided the above case number for reference per XXXX/Case Manager Department and I am to receive an email response in approximately 10 days. I have no time to waste. I should not have to wait 10 days. 
I yet again contacted the company, spoke to XXXX who referred me to the Corporate level at XXXX XXXX XXXX XXXX XXXX, only to discover, per XXXX on XX/XX/2020, that this contact phone number is the wrong contact. What a complete waste of my valuable time. Is this company that disorganized? 
6 ) I was then, transferred back to the internal department and attempted to communicate with XXXX/Advocate who was absolutely clueless and unhelpful. 

*I have and continue to lose sleep due to this inhumane and mortifying experience. I am numb, drained and mentally traumatized by this ongoing ordeal. This 'company ' does not deserve business. 
PLEASE ADVISE AS PROMPTLY AS POSSIBLE AS I DO NOT WISH TO CONTINUE ASSOCIATING WITH SUCH A DEMEANING AND DEPLORABLE ENTITY. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   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   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   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   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   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
Product: Mortgage

XXXX XXXX XXXX committed fraud and while my payments where XXXX $ dollars after years of payments with fixed rate they increased payments by XXXX $! plus. Then they sold my loan to Select Portforlio Servicing XXXX XXXX XXXX XXXX XXXX. There fax number is XXXX Fax. Select Portforlio Servicing is working along XXXX XXXX XXXX plus my original loan documents loan is not found or they wo n't produce it. Please call me as soon as possible XXXX.
Product: Credit card or prepaid card

Hi My name is XXXX XXXX. I have an American Express Serve account. I also have two subaccounts with them. On XX/XX/XXXX my husband ( one of the subaccount holders ) stayed at the XXXX in XXXX XXXX and checked out the XXXX. The XXXX charges {$150.00} for incidentals. Serve also put an extra {$12.00} hold bringing the total to {$170.00}. The {$150.00} hold was released by the hotel when he checked out. It is now XXXX XXXX and Serve has not returned the money. On XXXX XXXX I had a conference call between the hotel and a Serve rep. The hotel rep explained that the hotel does not need the money and the money should be returned to my account. The Serve rep responded by saying that they would not return the money for 30 days, we won't get it back until the XXXX day. 

I had a hotel stay at the XXXX XXXX from XXXXXX/XX/XXXX-to XX/XX/XXXX. My deposit was returned on the XXXX. Their treating the main account holder and the subaccount completely different. I really need this be resolved. If theirs anything you can do please let me know. 

Thank you XXXX XXXX
Product: Vehicle loan or lease

Ive ask this company multiple times to send my payment monthly to credit bureau for the last few months they refuse to every time I ask they say there system is done but I dont understand because they take my payments monthly
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 XXXX : # XXXX, XXXX XXXX : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  BXXXX 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/year>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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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: Debt collection

Dear Sir/Madam, I am writing in response to your communication dated [ Insert date of the first letter or phone call ], regarding an alleged debt that you claim I owe. I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), which requires you to provide the following information : 1. The amount of the debt : Please provide an itemized statement or documentation showing the amount you claim I owe, including interest, fees, and any other charges that have been added.

2. The name of the original creditor : Provide the name and address of the original creditor to whom this debt was owed.

3. Verification of the debt : Provide a copy of the original agreement or contract that I signed, or any other proof that I am legally obligated to repay the debt. This should include any documents showing that the debt was transferred to your agency.

4. A statement confirming that you have the authority to collect on this debt : Please provide documentation proving that your agency is authorized to collect on behalf of the original creditor.

Until I receive the requested validation, I ask that you cease all collection activities, including reporting this alleged debt to the credit bureaus, until the debt is verified. If you can not provide the necessary documentation, I request that you remove any negative information related to this debt from my credit report and cease any further collection attempts.

Please note that under the FDCPA, you are required to provide this validation within 30 days from the date of receipt of this letter. If you fail to provide the requested information, you must cease collection efforts and consider this matter resolved.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.