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

Under FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.
Product: Credit reporting or other personal consumer reports

I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted XXXX who has the loans and they said to contact Fed Loan Servicing which had my loans before. I never moved to XXXX that was done automatically by the gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXT XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ONLY HAVE ONE ADDRESS and I have never lived at address being reported please stop reporting wrong information
Product: Debt collection

State Employee Credit Union ( SECU ) has been reporting to my credit file that I have 3 accounts with SECU that are in collections and past due. I made initial contact with the business on XX/XX/2023, in letter ( certified mail returned receipt ), demanding them to substantiate the validity of the debt. SECU received and signed the letter XX/XX/XXXX at XXXX XXXX. SECU failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please see exhibits in attachments. I have written to SECU on three separate dates requesting to validate the debt. In return SECU has responded without any validation what so ever, but insist on requesting I put my current address on the accounts that I am disputing. State Employees Credit Union is in violation of the FCRA and FDCPA, therefore, if SECU can not validate the debt, they must request for all reporting agencies delete the entry. State Employee Credit Union, violated NYCRR 23 Section 1.4 ( B ) Which says, A debt collector must provide the consumer written substantiation of a charged-off debt within 60 days of receiving a request for substantiation of the debt and must cease collection of the debt until written substantiation has been provided to the consumer. State Employee 's Credit Union statement to the effect is that it could not disclose as it sent the information to another address with a request to update the address is of no moment. I have no association or knowledge of what address SECU is referring to. Moreover, the law states the creditor ( SECU ) Must provide the information upon request and does not give allowances to excuses to deny the request. I will pursue matter to court if these accounts aren't substantiated accurately within 30 business days.
Product: Debt collection

I have tried numerous of times with the XXXX credit bureaus to dispute the validity of a debt that was first owed to XXXX XXXX XXXX and sold to IQ Data International. The amount this XXXX XXXX is reporting under my consumer credit profile and attempting to collect from me is 100 % inaccurate and inflated.
Product: Debt collection

In 2016 I received notice of balance owing to capital one card services. I started paying the balance both by money order and by visa card. In XXXX late XXXX I received a notice from a collection agency stating that I owed capital one card services {$860.00} of which is the amount I paid off. I contacted capital one speaking to rep XXXX and forwarding copies of money orders totaling in the amount of {$450.00}. I have been trying to reach out to the card company for statements showing payments made and still waiting to receive this information. After making payments with my visa card I recieved an email from capital one thanking me for my payments. I received a call back for XXXX capital one rep  whom informed that all but one money order had been applied to my account which was the last payment of {$52.00}. XXXX could not inform of where my other payments had gone. I reached out to the XXXX filing a complaint. I was called by the second capital one rep whom inform that capital one would do their investigation and would get back to me. During that time Capital one have blackballed my credit report lowering my credit scores. I received notice from the XXXX with word from capital one asking for copies of money orders of which I had already submitted. I returned the rep phone call without a call back. I finally reached the third capital rep XXXX who at that point stated " that capital one was not showing any money orders cashed by capital one '' 2. They required for me to send copies of money orders front and back. 3. XXXX stated that it was showing that I cancelled two of the money orders. 4. Everyone knows that you can not cancel a money order with the receipt part of the money order of which I am in possession of. 5. XXXX stated that my money order payments coin sided with my visa card payments. Are you confused to? This account was paid off in it's full amount owing of {$860.00} cents. I have also reached out to XXXX XXXX   XXXX of XXXX XXXX  XXXX with assist in this matter. There is something wrong with capital one card services accounting department. Please assist me with this matter. Capital one should be ashamed trying to steal from consumers.
Product: Credit reporting or other personal consumer reports

TransUnion and Equifax has recently changed my payment history which has always been XXXX percent history even after bankruptcy escape for Experian which I trying to get fixed..but they added missed payments from the area of which bankruptcy was already in process and they done it 2 years after the bankruptcy which I am pretty sure is illegal I need all of these late payments removed from my credit reports from XXXX  asap and if you can help with Experian that would be greatly appreciated I have already dispute with them this is the second time with them and I am so mad with the others that was just reported that's why I am filing a complaint with you guys cause this is not right on someone trying to rebuild credit and fix things then 2 years later decide they want to add stuff that shouldn't be there in the first place I was never late on payments until the bankruptcy was in place then there are not aloud to report or do anything until the bankruptcy process is completed... thanks XXXX XXXX
Product: Checking or savings account

I called the bank to ask them if they sent the message and if they did not how were these people able to attach a message to my log in ... .The Agent said it was probably a scam ... My screen went red and I was notified to call XXXX to fix the problem.
Product: Money transfer, virtual currency, or money service

Yes Coinbase has not transferred any funds into my checking account even though it shows complete on XXXX XXXX and I have a XXXX balance on Coinbase and no funds have been put back into my checking account. It 's been over two weeks with no response even though I filed multiple cases. The amount was {$1000.00} and I have contacted my bank and nothing has come in even though Coinbase did a wire transfer to verify my bank account. They took my money asap but will not replace it. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX  and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
Product: Checking or savings account

On the XXXX of XXXX I was my card then they blocked my card and I verified my transaction and it kept happening for two more days and finally on the XXXX of XXXX they told me that they couldnt verify me with my number in the account and they were gon na send me a reference code in the mail so I waited for seven business day and then on the XXXX of XXXX I went to the bank and verified it was my account with my license and they said they couldnt unblock my account with my id and they barley sent the letter with reference code in the XXXX of XXXX and I have to wait 5 to 9 business days when they told me on the XXXX that they sent it and I have to wait 5 to 7 days and I told them I needed access to my money cause I got bills and have to feed my siblings and Im showing my id saying its my account and they told me they couldnt do nothing and I told them what am I suppost to do with no money when basically Im showing id and why they couldnt verify my number that is on my account. This bank is with Citibank in California
Product: Student loan

XX/XX/year> - Navient received my school misconduct application. 

XX/XX/year> - adjustment to account to {$0.00} No letter of cancelation received. 
XX/XX/year> - XXXX stated letter was mailed XX/XX/year> and check was processed XX/XX/year> XX/XX/year> - Ombudsman stated letter was not mailed nor refund check.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is CFSI ( CommonWealth Finincial Systems ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from CFSI on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.
Product: Credit card or prepaid card

Home Depot Account number XXXX XXXX XXXX XXXX Police Report - Case # XXXX Home Depot XXXX Home Depot Executive Response XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX Details : XX/XX/XXXX two charges were made at the XXXX XXXX DE Home Depot. In the amount of {$630.00} & {$2.00}. Home Depot card services looked up the purchased items and they were bathroom remodeling items. 

XX/XX/XXXX Two more charges were made. {$2.00} at the XXXX Home Depot and {$19.00} at the XXXX  Home Depot. 

I did not make these charges and filed a dispute with Citibank on XX/XX/XXXX. ( Citibank is the servicer of the Home Depot credit card ) I was told that someone in their fraud department would call and let me know what else was needed for the dispute to move forward. No one contacted me and the dispute was denied, since the purchase was made in store. 

On XX/XX/XXXX, I filed a police report and an appeal through Citibank. The appeal was quickly denied. No one is investigating this. No one will pull security camera footage and I fear that it may be too late to obtain footage. 

We did have a contractor do some work on the house in XX/XX/XXXX. Then again in XXXX - XX/XX/XXXX. XXXX was given my Home Depot credit card to make supply purchases. The credit card was always promptly returned. Only contact info we have is his phone number XXXX. He advised us he lived in XXXX DE. I have no way of knowing if this is relevant information. 

I do not know what happened. I did not make these charges. I am not supposed to be liable for fraudulent charges, but no one appears to be helping me. Ive asked for security camera footage of the New XXXX DE transaction every single time I have contacted anyone from Home Depot or Citibank. Was this transaction made with an old credit card? Pre chip? Was my credit card spoofed? Im well aware that its not easy to duplicate those chips, but there are reports of it having been accomplished.
Product: Debt collection

This company is calling my employer over and over within XXXX they have called my employer 6 times. They have called me from the Phone numbers listed : XXXX ; XXXX ; XXXX. They will call and hang up or they will call and ask for me while speaking to my co-workers acting like a patient. I work for a XXXX company and they are calling acting like patients and they are a debt collector. My employer has requested for them to stop calling.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I complain the company doesn't know the personal information of the applicant 's english name bracket to supply card of application. 
Applicant 's first name bracket is [ XXXX XXXX ] and [ XXXX XXXX ] stands for the customers three character first name of application. The applicant 's last name bracket is XXXX XXXX  ] and [ XXXX XXXX stands for the customer 's last name of application.
Product: Mortgage

OnXX/XX/XXXX XXXX notified both me as owner and Arvest that the insurance policy was in danger of lapse due to non-payment. On XX/XX/XXXX, I spoke with both Arvest and XXXX and it was determined the check was returned to Arvest on XX/XX/XXXX. 

I also followed up with a call a week later to ascertain if the policy payment was received. It was not, and I was told by Arvest that the payment would be resent to XXXX. 

Here it is XX/XX/XXXX and XXXX still has not received the insurance payment covering the property for loss, both physical and rental income for this rental property.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
I HAVE NO CONNECTION TO XXXX XXXX XXXX XXXX ( A FICTITOUS CREDITOR MADE UP BY CENTRAL PORTFOLIO CONTROL ). ALL HAS BEEN PAID THROUGH IRS DISCHARGE AND THE CONTACT I HAVE RECIEVED FROM THE MAIL FROM XXXX XXXX  XXXX AND XXXX XXXX XXXX XXXX IS A VIOLATION OF THE FDCPA. 

I DEMAND THAT YOU CEASE AND DESIST ALL CONTACT THROUGH MAIL, PHONE, AND DIGITALLY! 
2ND CEASE AND DESIST WARNING THAT IS PUNISHABLE BY VIOLATION. 
RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX  XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Michigan State Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at XXXX XXXX XXXXXXXX XXXX XXXX XXXX ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. 

I have received communications from your agency IN MAIL AND PHONE CALLS regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. 
Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. 

Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA. 

Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. 

Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. 

Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. Please consider this letter as a formal dispute of the debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 5 days. Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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: Credit card

I received a Barclays Bank Delaware XXXX XXXX in XXXX of XXXX. A few months ago, Barclays began reporting that a card issued in XXXX is also mine. It is not. They say i need the account number, which i do not have as it is not mine. The owner of the other card pays on time as do i. We both seem to have great credit. However, i am buying another home soon and ca n't allow this on my bureau. When i contact the Bureaus, they contact Barclays and Barclays insist it is my card. I suspect they data entered a wrong SSN or something. If not, they should see it is XXXX seperate SSN 's and XXXX seperate addresses, as i do not get the other person 's bill. I do n't believe this is fraud. I believe it is arrogance and stupidity.
Product: Debt collection

Repeated annoying phone calls all day, Every day, all day long from portfolio recovery.
Product: Debt or credit management

I was working with Lexington law and they kept charging me every month and there was no response.Finally I called was told it takes time.I made for about a year and a half just hoping for some help. I canceled their services because I thought I was being scamed
Product: Debt collection

XXXX XXXX, XXXX is representing the creditor Pinnacle Services, LLC that is trying to collect on an old debt for a XXXX XXXX bill dating back to XX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from XXXX XXXX, XXXX dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town
Product: Debt collection

One Advantage LLC has reported a false medical bill charge to my credit report. It states I owe {$52.00} for date of service XX/XX/18 for a doctor that we don't go to. We live in North Carolina and this is for a doctor in Kentucky. I have contacted the doctor and they have no record of us being there on XX/XX/18. Please remove this fraudulent charge immediately. One Advantage has damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXX XXXX, .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies
Product: Debt collection

I have reached out to this company multiple times regarding a account opened up in my name fraudulently, I have spoken with 2 supervisors who said that they would open up an investigation but never provided me with any information and when I called to check up on the investigation I was told that they couldnt find it. The last time I called in an spoke to a representative regarding this matter was XX/XX/2021. Nothing has been done to help me on this companys side, they are feeding me false information.