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

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

Us Auto sales has went out of business. Sold my car loan to XXXX XXXX. They have started my loan over even though I made payments on the for over a year. I do not have a warranty on my car. And I was told that it was never a warranty on my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax show inquiry on XXXX XX/XX/2023 that I didnt authorize anyone to pull it
Product: Debt collection

In XXXX of XXXX we were evicted. We owed a few months of rent, roughly {$2700.00} which was three months rent plus late fees. This was lot rent in a mobile home park, we owned the mobile home. By the terms of our lease, we were not able to move our mobile home out of the lot until all monies owed were paid to the property management company ( XXXX ). We wound up cashing out a XXXX to pay all back rent and were allowed to move our mobile home. Then in XXXX of XXXX, a collection in the amount of {$8300.00} was reported on my credit report. We received no notices or information, I called the number given for Columbia Debt Recovery on the credit report, which was not answered and did not have an option for voicemail. After searching the internet, I found a number for the collection company. They provided me with several pieces of inaccurate information regarding the debt, including providing me with two addresses where we were supposed to have lived, but had never lived. I asked that they mail me information, but have not ever received any physical mail from them. They did send me an email, but it just contained a copy of our original lease agreement and no information related to how or why we owed this money.
Product: Debt collection

XXXX XXXX XXXX Comenity Bank XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From XXXX XXXX for Comenity Bank. They did this on two occasions after I called and notified them of the third party disclosure.
Product: Debt collection

I am before the va appeal process on a debt of overpayment. The us treasury has hired a cbe debt collection agency ( twice ). The first took my federal taxes last year and now this agency is threatening me with wage garnishment. 

I have spoken with a lady at the va appeal board by phone and says they can not do this, it is harrassment and i have told them this. 

yet they still harass me and now want to attach my wages. 

I want this stopped and my last year taxes reimbursed due to illeagally obtainment.
Product: Checking or savings account

my company checking account started to show fraudulent transactions on XX/XX/XXXX, I reported to Citibank on XX/XX/XXXX, but the fraudulent transactions still keep coming in with a total of 11 fraudulent ACH transactions before citibank finally closed that account and open a new accunt for my company on XX/XX/XXXX. Citibank refunded all of these 11 fraudulent ACH items but on XX/XX/XXXX, they took {$220.00} ( one of the fraudulent item ) from my account and said that ACH is appropriately applied while it was 100 % fraudulent. There were other 6 fraudulent items from that same vendor ( XXXX XXXX ) which were all refunded to me without issues. This particular item showed up on my account on XX/XX/XXXX {$220.00} as ACH DEBIT XXXX  XXXX Mobile Payment, I reported on XX/XX/XXXX along with other 2 transactions, Citibank sent a STOP PAYMENT confirmation on XX/XX/XXXX, and refunded that {$220.00}. But on XX/XX/XXXX, Citibank deducted {$220.00} from my account and sent a letter saying they found that the ACH transaction was " appropriately applied '' - ignoring the STOP PAYMENT request executed and the fact that there were 6 others fraudulent transactions from XXXX  XXXX ACH debit which were all found to be frauds and refunded without issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST XXXX XXXX XXXX XXXX AND THEIR IS NO THIRD PARTY INVOLVED. 
I DEMAND XXXX XXXX XXXX TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). 
AND PROVIDE ME WITH XXXX XXXX XXXX XXXX. 
VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ordered my Lexis Nexis reports on XX/XX/XXXX and XX/XX/XXXX via mail and online with no success. 
On XX/XX/XXXX I have requested LEXIS NEXIS to dispute an item off my report via registered mail XXXX sent to LexisNexis Consumer Center, ATTN : FACT Act Dispute Request, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/XXXX at XXXX XXXX 
Lexis Nexis completely ignored my request to dispute AND remove the item in question and have sent documentation back to me stating the dispute was not requested by me. It was a complete hassle to receive a copy of my Lexis Nexis report and this was the first time they finally gave me a copy of my Lexis Nexis report. This goes against FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX  XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX .... Date Opened XX/XX/XXXX XXXX XXXX XXXX-Late/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in XXXX to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

I wrote a check from my Bank of America business checking account for my quarterly IRS tax payment in XX/XX/year>. The check was in the amount of {$25000.00} and was made out to the United States Treasury. The check was placed in the mail to be sent to the IRS. I checked my statement later that month and saw that the appropriate amount ( the amount I had written the check for ) had been deducted from my account so nothing seemed out of the ordinary. When it was time to do my yearly taxes it was discovered that the IRS had not received one of my checks. I subsequently found out that the check I had written presumably had been stolen from the mail and the " pay to '' line had been altered as well as the memo line and it was processed through the bank with the money going to a completely different company and presumably to the person who stole the check. As soon as I realized what happened I notified the bank and filed an official claim to have the matter reviewed and requested the money be reimbursed. After 90 days I was informed the claim was denied because it was was not brought to the banks attention within 60 days. I filed an appeal which was also denied. I feel I did what is reasonably expected of a banking customer with regards to reviewing bank statements but I feel like Bank of America did not at all do what would be reasonably expected from a financial banking institution in that they processed a check that was OBVIOUSLY altered and would have been completely out of my spending habits to have written a check the way it was ultimately forged and therefore the bank should have alerted me to a possible check fraud situation especially for the amount that the check was written. I believe the bank absolutely holds some responsibility in this matter but is denying any efforts for me to recover the money on the basis that more than 60 days went by before the fraud was realized which again I feel was also their responsibility
Product: Debt collection

Hello, Receivables Performance has flagged my account as collections on XX/XX/XXXX for balance {$340.00} to credit bureaus. In reference to that activity I have requested to raise a dispute of amount {$340.00}. I used to live at XXXX XXXX during that period I have signed a contract with XXXX XXXX XXXX XXXX and also had XXXX XXXX XXXX internet. Due to JOB I had to relocate to XXXX XXXX XXXX. I have requested to move my XXXX XXXX XXXX services both internet and XXXX to XXXX XXXX XXXX via customer service call. On that day a customer representative informed me XXXX XXXX XXXX services were not available in XXXX XXXX XXXX, hence the representative suggested cancellation of services and told me early termination fees will be waived in my case as XXXX XXXX XXXX is unable to move my services to my relocated place. Upon that confirmation I have placed all XXXX XXXX XXXX devices including internet modem and XXXX devices in a box and dropped in XXXX. Please find attached confirmation of XXXX XXXX XXXX equipment return. XXXX representative used only XXXX XXXX XXXX internet modem as primary shipping label and clubbed all XXXX XXXX and modem devices in one box and shipped to XXXX XXXX XXXX returns. I am still an active XXXX XXXX XXXX customer for a long time and used their many services in the last decade, why would I default {$340.00}? Anyways after stressful conversation with customer representatives I made payment as I no longer have patience. Never had any late payments to XXXX XXXX XXXX ( been with XXXX XXXX XXXX since XXXX ) or any other account. This negative flag has impacted my credit reporting. This is impacting my home purchase at right time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a prequalification application for a home loan at US Bank on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with US Bank, because at the bottom of the report it says, " Real estate on behalf of Us Bank Home Mortgage. '' A loan officer named XXXX XXXX at US Bank was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called US Bank nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with US Bank and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask US Bank to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by US Bank are " authorized by law '' which does not make any sense. US Bank specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.
Product: Student loan

Program : The Public Service Loan Forgiveness ( PSLF ) program provides an opportunity for people who work at government agencies or non-profits to secure student loan forgiveness. To qualify, you must make 120 " payments ''. In recent years, USDOE defined payments broadly. For example, simply working at a qualifying employer during the pandemic pause qualifies you for a month of payment. 

USDOE contracts with MOHELA to service student loans. 

My situation : My account with MOHELA is XXXX. At present, I have made 113 " payments ''. As noted above, I submitted an on the following dates : XXXX XXXX, XXXX Application - MOHELA should reconsider the application within a few days. USDOE / StudentAid.gov should provide an explanation on why they do not show me as having a full active loan for the year XXXX. 
XXXX XXXX, XXXX Application - MOHELA should process this application in two weeks. They have said in the past that they can process a " reconsideration '' in this time frame Below is a list of my employers, months worked, and errors by either USDOE or MOHELA. 
XX/XX/XXXX to XX/XX/XXXX - XXXX XXXX XXXX XXXX  was determined to be qualifying except MOHELA states that USDOE has no record of my loan during XXXX XXXX. 
XX/XX/XXXX to XX/XX/XXXX - Local Initiatives Support Corporation was determined to be qualifying except MOHELA states that USDOE has no record of my loan during XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XX/XX/XXXX to Present ( XX/XX/XXXX ) - State of New York ( Housing Trust Fund Corporation was determined to be qualifying except for an error where MOHELA missed the months of XXXX, XXXX and XXXX of XXXX as they admitted on the phone. 
XX/XX/XXXX Application - Verbally told " qualifying '' and would " hit 120 count '', but would take about 90 business days to process. That timeline is unacceptable. 

Correspondence : The application for debt relief is two pages. One page is personal details and the second page is a certification filled out by the employer 's HR. MOHELA has taken 90 days to review applications. 

When I asked for any type of expedited review, I received conflicting responses. For example, MOHELA has stated to me that there is no way to expedite an application ( even if they make an error ). However, just recently, they told me that they can reconsider within 14 days. When it comes to errors in the application, I have had customer service representatives elect not to perform a re-review of my submission. Recently, a re-review was accepted. In all instances, MOHELA refuses to tell me details about my determination in writing. Today, MOHELA told me that some of the issues are the fault of StudentAid.gov and that they could not help me further. When I asked how to follow up with StudentAid.gov- for example, on correcting my loan count- they refused to provide an email, phone number or agency to contact. 

This has been a frustrating process. While courteous, the MOHELA case management guidance has been inconsistent, contradictory and evasive. This is particularly odd given that my certification process and questions are pretty straightforward.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$9800.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds. Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

Citibank closed my account back in XXXX due to the accusing me of posting a fraud check. I called Citibank and I had them call XXXX XXXX  who issued the check and they verified that the check was not fraud, but they could not re open the account. I said that is fine just send me my money. The representative told me I will be getting my money within 60 days. Its been more than 60 days I have not gotten my money or any updates. Every time I call them all of a sudden my mothers maiden name is not correct and they can not access my account but when I threaten to get a lawyer the representative then all of a sudden told me he can see my account and that he sees that I am owed money but he cant help me and he will ask the escalations department and states he will personally call me back within 48 hours. I never got a callback. I have called every single day and the representatives that answer either hang up on me or they told me that they have to look into it further because they cant answer my questions on whats happening with my money! All I want is my money!!! 
Citibank is fraud and thieves. My mothers maiden name has never changed and I was able to access my account with that name prior to me asking for my money but since I want my money they are stating that that is no longer correct. This is ridiculous.
Product: Credit card or prepaid card

Barclay 's Card has submitted hard inquiries without proper authorization.. Inquiries were made when a request for a larger credit line were made during the below dates. A hard inquiry was made and I was unaware and did not accept them to do this. This has brought down my credit score. 

Written requests to Barclays have remained unanswered. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Request all inquiries removed.
Product: Debt collection

Central Financial Control has XXXX collections listings on my credit report. They span XXXX - XXXX. Each is for a different amount. It is illegal for a company to report a false amount. Furthermore, I have no idea what these are for. I have already attempted to contact the company, and get proof of these debts. The company ignored me.
Product: Credit card or prepaid card

This is not a duplicate complaint. I would like this matter to be escalated. There is a discrepancy with the dates of services I was billed for. Discover refuses to address the fact that I was billed {$1000.00} for a " 6-month course '' with XXXX XXXX XXXX on XX/XX/2022. XX/XX/2022 was not the actual date that " services '' began. Even so, 6 months from XX/XX/2022, is XX/XX/2022 ; not XX/XX/2022. 6 months from the XX/XX/2022, date that I received documentation of a progress goal is XX/XX/2022. Again, XXXX XXXX did not provide 6 months of services and failed to explain the discrepancy. According to XXXX, the services ended on XX/XX/2022, which is not 6 months from XX/XX/2022. Discover failed to respond to this particular concern. Although I continue to be dissatisfied with the services that XXXX XXXX provided, I did not receive 6 months of services, which continues to be my main complaint. Again, I am disputing the duration of services as XX/XX/2022, to XX/XX/2022, is not 6 months ' time.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}