23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I have been a client of Lexington Law since 2021. They promised to resolve numerous credit issues stemming from my XXXX  and subsequent XXXX. However, I discovered that they were simply sending out vague form letters without sufficient detail to which my creditors responded with equally vague letters restating previous responses. When I complained about the lack of attention given to the issues at hand, some of my accounts were escalated. In practice this meant demanding lots of documents from me and then sending more vague, meaningless ( and frequently erroneous ) form letters to the credit bureaus. Lexington Law took credit for removing any items that aged off of my credit report while steadfastly refusing to provide any meaningful account of exactly what services they were providing. I frequently spoke to paralegals who couldnt properly conjugate English verbs. This led me to doubt their actual qualifications to resolve my issues. I paid well over XXXX XXXX dollars without having a single issue resolved by the firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit reports and noticed that I have 4 late payments on an account that o was never late for. In fact one account is over XXXX XXXX XXXX with a XXXX XXXX because it was paid in full but it is still being reported negatively on my credit report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxim accuracy. I have never been late on payments for this account ( XXXX  XXXX ) account number XXXX Please investigate and provide proof with statements showing these payments were late. If proof cant be provided I please ask respectfully these payments be update to an on time payment status as they should be reported as I was never late. Thank you. XXXX XXXX
Product: Credit card or prepaid card

I went to pay for a meal the restaurant said my card was declined, but capital one said that the charge went through. I couldnt pay for my meal had to wait XXXX business days for it to clear capital one did nothing to help me as the customer so I closed all my accounts and it ruined my credit over this because I closed XXXX accounts they are supposed to support their clients
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, This is in response to this claim : XXXX This is a new claim with new and updated information. 

Please see attached - my written complaint - my drivers license - my social security card - my proof of address - my credit report showing XXXX, XXXX, and TransUnion I had an installment loan with KickOff - you advertise it shows on a customers XXXX + TransUnion credit reports- mine does not. 

XXXX only shows on my XXXX credit report It is not showing on my TransUnion credit report. 

In this complaint - XXXX - you thought it was because of a fraud alert - that has been removed as the attached credit report shows. 

Now, there is no fraud alert on my TransUnion credit report- and I expect your XXXX tradeline to put put on immediately- as I paid for. 

Also to note - the credit report did NOT have a security freeze for the duration of the installment loan - as you can see I have received other tradelines showing during this time- so there is NO REASON XXXX wouldnt show - if you guys accurately reported. 

Please have this handled as soon as possible - as you are affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Debt collection

On XX/XX/XXXX at XXXX I requested XXXX XXXX terminate my agreement. After terminating the agreement they, continued to send me bills to my home under the name " XXXX XXXX XXXX '' at my address. 

I ignored the bills since they are not addressed to me. 

However, they escalated this by sending it to a collection agency. The company is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA is sending me a bill for {$120.00}. 
Account Number : XXXX NCI ID : XXXX Original Creditor : XXXX XXXX XXXX Number XXXX Account Balance {$120.00} Date XX/XX/XXXX The original XXXX bill was {$100.00}. 
Any Assistance would be greatly appreciated.
Product: Credit reporting

Releated Case XXXXThis is in response to the above referenced case number. Please see attached.
Product: Credit card

After multiple attempts to get information over the phone with Bank of America, I made a request in writing for all of the documents and information available regarding the establishment and/or use of a Credit Card that was establshed in my name between XXXX & XXXX of XXXX. 
I made sure to include a copy of my State Driver 's License, a photo of my holding said license, a copy of the local police report and a copy of the Federal Trade Commission 's Identity Theft report. I also included a copy of Section 609 ( e ) of the Fair Credit Reporting Act which outlines the requirements of creditors to provide this information to victims upon request - both free of charge and within 30 days of receiving the request. I sent the requst via Certified Mail and it was received by Bank of America at the address they provided on XX/XX/XXXX. As I file this complaint it has been XXXX  days since they received my request and I have gotten no response from them whatsoever.
Product: Vehicle loan or lease

The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ; I received a letter from Bank of America regarding my boat loan Account number : XXXX, stating it was " Past Due ''. I had previously and timely contacted Bank of America on 2 occasions and had been approved for an intial 2 month deferal and and later an additional 2 month deferral due to Covid 19 ( 4 months total ). The representative explained on XX/XX/2020 that due to an error in their system, the second " 2 month '' request was not processed and she would take care of it on XX/XX/2020. I explained concerns about my credit report being affected due to their error, offered to pay the outstanding balance, and she said there would be no problem since it was the last day of the month and they do not report late payments until the next day. The representative processed the deferment and I set up autopay to resume payments on XX/XX/2020. A few days later, I was notified that my credit score had dropped due to Bank of America reporting my account as " late 30 days ''. I called B of A and spoke with XXXX XXXX, Escalations Manager. She found that the second deferment request was not processed at all, had no evidence of it in her system and was unwilling to remove the negative reporting on my account, despite of the mistake made by B of A. I told her I would get her a copy of my cell phone records to show evidence of my phone call a couple of months before and she rejected my offer. I explained that their error was affecting my ability to buy a home and I was going to lose thousands of dollars in a deposit I had made due to my credit score dropping over 50 points due to their error. She said I was going to be contacted by another manager, and they never called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.
Product: Debt collection

This is the second Cease and Desist letter that I have sent to Select Portfolio Services and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on  XXXX   XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by   XXXX   XXXX   XXXX   who is not a party to my Adjustable Rate Note and my Deed of Trust.
 XXXX 
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
 XXXX 
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with XXXX, XXXX  and Transunion credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I requested my report from LexisNexis and I have not been supplied any documentation electronically or physically via USPS mail. When I returned to the website to attempt to resubmit my report, I received a warning stating that I could not submit my request even though all of my information is the same. This prevents me from cleaning up any and all data that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts from my credit report. 

Equifax : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX US DEPARTMENT OF EDU XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX US DEPARTMENT OF EDU XXXX of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX $ XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from Capital Management services . In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, Capital One Management responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called Capital One Management to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with Capital One Management, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. Capital Management 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to XXXX regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from XXXX, I would be happy to share with CFPB. 

The previous reference number I had with Capital One Management was # XXXX. The active and current reference number they have assigned is # XXXX
Product: Checking or savings account

On XXXX/2017 I was approved by someone selling an " investment opportunity '' this ended up being a Pyramid Scheme, they used the name " XXXX XXXX '' they charged my Debit Card at Wells Fargo for over {$3000.00} total and then disappeared, they had promised to pay me {$150.00} weekly XXXX {$620.00} a month ) for 12 months and after they charged my debt card, they disappeared, they disconnected their phone and never heard back from them again. I tried filing a claim with Wells Fargo and they wont do it, they said that because I gave him my card I made them an " authorized user '' of my card, so they wont even attempt to recover the money, meanwhile this company is out there probably with another name scamming people our of their hard earned money
Product: Credit card

received a letter in the mail in regards to a credit card application that was not approved or authorized to be open contacted chase to get me information as to how the application was placed was told they was unable to provide that info to me but was able to go to a branch to fill out a form in regards to application being placed without my knowledge
Product: Credit card or prepaid card

I submitted a payment, via my checking account, to my credit card on XX/XX/23 to pay the full balance of my credit card. The payment was accepted by the credit card company and has been paid by my bank since XX/XX/23. The payment is reflected in my credit card account but my available credit is at {$0.00}. When I call the credit company, I was told that there is a hold on the available balance until XX/XX/23. This has been an ongoing issue with this account for several months. I have made several complaints and have even done 3-way calls between the credit card company, myself and my bank in order to have the balance released before the hold period is up.
Product: Debt collection

ACCOUNT RESOLUTION CORP XXXX XXXX  XXXX XXXX MO XXXX Acct # XXXX Amount : {$280.00} Dear ACCOUNT RESOLUTION CORP, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability & Accountability Act  ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent via CFPB, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have repeatedly disputed unauthorized inquiries on my credit reports with Experian, XXXX, and XXXX in regards to inquiries by XXXX, XXXX, and XXXX. I even went so far as to send letters to the companies with the dates of the inquiries and requesting they be removed as I did not authorize them. 
From the credit bureau disputes, all I get over and over is " its factual '' and nothing is done. From the letters, I get the same thing. I have been a victim of Identity theft not once but at least 3 times. I have put security freezes on my ss number and still I have all of these inquiries. Not XXXX of these companies can show me a signature proving I authorized these inquiries and I want them removed. 
I know that there is a civil remedy available to me, however I would really rather them just do the right thing and take the inquiries off of all XXXX reports. I am not in the habit of suing people I just want it fixed. 
Please assist if possible.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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