23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Capital Management Services , LP regarding a debt that I do not owe. I sent the following letter to Capital Management Services , LP : This letter is sent in response to Capital Management Services , LP attempt to collect a debt. Correspondence from Capital Management Services , LP was received via USPS on XX/XX/XXXX with a letter dated XX/XX/XXXX.  Consumer rights under the Fair Debt Collection Practices Act, Section 803 requires a response to the information received from Capital Management Services , LP within 30 days. Capital Management Services , LP should be aware of their obligations under FDCPA Section 809. 

Let Capital Management Services, LPs records show that I dispute having any obligation for this debt. Further, Capital Management Services, LPs statement that, This company has been engaged by XXXX XXXX  to resolve your delinquent debt of {$17000.00} is false. XXXX XXXX  records show that XXXX XXXX  has NOT engaged with Capital Management Services , LP to collect the referenced debt. ( XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX,  XXXX XXXX  MST ) Should Capital Management Services , LP choose to report this debt to a consumer credit bureau, it is important to recognize reporting information that Capital Management Services , LP knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

Should Capital Management Services , LP pursue a judgment, the judge will be informed of the dispute, erroneous debt collection activities and credit reporting, and a request will be made to dismiss the case based on Capital Management Services, LPs failure to comply with the FDCPA. 

Also, be advised that I am keeping very accurate records of all correspondence with Capital Management Services , LP, written or otherwise. Given the number of consumer complaints filed against Capital Management Services , LP with the Federal Trade Commission, the State of New York Attorney General, and the Better Business Bureau, I too will not hesitate to file complaints with the Colorado State Attorney General ( violation of CFDCPA Section 5-16-107. False or misleading representations ) and the FTC regarding Capital Management Services , LP continued collection attempts. 



I have once again been contacted by Capital Management Services , LP regarding this erroneous debt.
Product: Credit card or prepaid card

Hi and how are you doing? How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

during the time period between XX/XX/XXXX and XX/XX/XXXX I was out of the country. I spoke with the Auto insurance informing them the changes to the policy at the time when I left the XXXX and please place my policy on pause. 
I believe at some point progressive auto insurance canceled the policy I don't know why. if you're billing me for months that I was not a customer I don't understand why I should pay if I decide to change insurance companies at any point, and I should not be billed for months that I was not covered by your company for auto insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/XXXX I called Transunion and asked to speak with the special handling department, before being transferred i was interrogated by a representative as to why I wanted to speak to someone from that department, I felt as though I needed to give her a good enough reason or else she would deny my request. After I stated politely that someone in that department could only help me she questioned me again, got silent after I didn't reply and she just transferred me rudely. At that time I began to speak to someone by the name of XXXX. I let her know that my call was in regards to a Transunion error and that I noticed newly re-inserted inquiries on my report in which I was not given prior written notification and that I wanted the hard inquiries permanently removed. I told her that the following inquiries needed to be removed because they've caused damaging affects to my credit report and score : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The representative constantly went back and forth with me stating that I have to make a dispute with the creditor when I assured her that it was an issue/error on Transunions behalf and that they violated Sec 611 of the FCRA. She refused to remove the inquiries.
Product: Debt collection

#  XXXX   )   ARS  {$890.00} i  XXXX   XXXX  have contacted  ARS  about this debt. However, they referred me to send a signed    XXXX    statement, and this debt is still on my credit report.
Product: Credit reporting

Some one was using my credit for diffrent ztuff and know my score looks like i never had credit.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$5800.00} and {$950.00} respectively. 
According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and false information is being reported on my credit report. I never authorized the inquires and XXXX and Transunion have both neglected and refused to remove the fraudulent inquires being reported on my credit. Company XXXX reflects on my XXXX account and I have never authorized XXXX to access my credit report. Company XXXX reflects on my Transunion account and I have never authorized XXXX to access my credit report.
Product: Checking or savings account

I reported fraud on XX/XX/21, which navy federal close the claim in 4 days without fully investigating the claim it was over 50 charges its no way you fully investigate that claim in 4 days
Product: Credit reporting or other personal consumer reports

in accoradance with the fair credit reporting act, the accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported paid but with a late payment was never late also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights under 15 US 1681 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A 15 USC 1681 SECTION 2 15 USC 1681C ( A ) ( 5 ) 15USC1681S-2 ( A ) ( 1 )
Product: Debt collection

Hello, I have requested for deletion of this debt several times and have been denied several times. The information that was provided to me does not match my information. I am able to provide photo ID or my birth certificate to prove that the information is incorrect. Therefore it is not mine. I need this gone please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX shows with TransUnion I have a balance of XXXX, however this has been paid in full.
Product: Checking or savings account

I was a Bank of the West customer, which merged into BMO. I had a person XXXX me money using my mobile number. Previously I have used XXXX with another financial institution which I have not had for a year as well as with Bank of the West. When I received the XXXX payment on XX/XX/2023 at around XXXX I got a text message to enroll with XXXX through my financial institution. I went on the BMO website and enrolled with XXXX through BMO. I received an email from BMO welcoming me to XXXX. On the BMO website meanwhile I was given an error, that my phone number was previously used at another financial institution and therefore I can not use it with XXXX on BMO. I contacted BMO support they told me there is nothing they can do without previous institution releasing my phone number or " token '' from XXXX. I contacted my previous financial institution. They told me my phone number had no XXXX profile with them. They gave me XXXX 's customer service info. I contacted XXXX customer service. They told me my phone number was not associated with any kind of XXXX profile and I was free to use it with any institution I wanted. I contacted BMO again to let them know of this information. They told me there is nothing they can do, that I should register a new phone number ( I only have a single phone number ) and then have the person re-zelle me with this new telephone number. They hung up on me multiple times after I told this this was not a possible option. My transaction is now sitting in XXXX waiting to be claimed. BMO will not do anything about it, meanwhile XXXX is saying that this phone is free to be claimed.
Product: Debt collection

I'm receiving 45+ phone calls per day, 7 days per week from American express , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. It's ridiculous from XXXX. Non stop, 4-7 calls in a row.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The late payments shown do not reflect my typical payment behavior.
Product: Debt collection

An old hospital bill of mines from XXXX, which was resolved showed up on my credit report on XX/XX/XXXX as unpaid in the amount of {$980.00}. I disputed it through the credit reporting agency, it was removed and reported again immediately after being removed.
Product: Credit reporting or other personal consumer reports

Experian has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, XXXX pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from XXXX nor Experian, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT XXXX  which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling XXXX for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

Experian is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

Experian claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper XXXX, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866. 

My score, TAMPERED WITH, also dropped XXXX XXXX  from this " hidden XXXX inquiry '' resulting in a DECLINED NOT DENIED APPLICATION. 

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}. 

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by Experian. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by Experian and others to the point of exhaustion! 

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX, XXXX, and Experian because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
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: Credit reporting

I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last XXXX envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, is making my life a living XXXX.
Product: Vehicle loan or lease

I recently bought out my lease from Hyundai Motor Finance, but have not received my title despite having made the payment in full. 

According to Hyundai Motor Finance 's official letter, they have received my payment and marked my account as fully paid off on XX/XX/2022. According to their website, I am supposed to receive my title within 10 days. However, they have not processed my title release at all. I have talked to customer service a few times to no avail. Searching online, this is a common problem customers have with Hyundai Motor Finance.
Product: Credit reporting or other personal consumer reports

The economy is bad and so is my credit report which is way much worse, which has inaccurate information on it causing me immense stress. Didn't know upholding my rights as a consumer is this frustrating it's making me depressed, I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Money transfer, virtual currency, or money service

I transferred funds from my local bank account to Kraken/Payward Ventures to purchase Ethereum and transfer to an investment platform. After the transaction was completed Kraken then notified me that they were closing my account and could not discuss why or provide any customer support and suggested that I delete all communication with them about the transaction. Obviously I was totally confused why they closed my account and left me with no access to my funds but they still continue to refuse to answer any of my questions or provide me with any details. This has caused me substantial financial loss in the amount of {$95000.00} which may now be unrecoverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX  XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX  XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Last reported XX/XX/2022 {$6100.00} Open balance
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent account. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Bankruptcy, # XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ). 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes that antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I attempted to access www.citicards.com to pay my credit card bill with Citibank. I 've paid my bill this way for a number of year. My account with Citibank has been closed a number of years, dating back to when I refused to agree to an interest rate increase. When I input my log in information into the website I received a message that my identity needed to be verified via phone call or by " another way ''. I selected the telephone call and waited for the call to come in for around 10 minutes. In this time I did not receive a call. I then attempted to log in again and this time selected the verify my identity another way option. That option landed me on a page that instructed me to call customer service. I called customer service and spent close to 45 minutes on the call before being informed that I could n't access my account online because I had a closed account. They offered no explanation as to why I 've had online access with a closed account for years and it suddenly was cancelled. I was told that I could register my online account if I had the physical credit card. I informed the customer service agent that I no longer had the card since the account had been closed for years and asked if she could provide my full account number to me. She refused citing security reasons. I am left with a situation in which a creditor has knowingly and against my wishes removed online access to my account. This makes it much more difficult for me to remit payment to them in a timely manner. I believe this action was taken to increase the likelihood that I will miss a payment or have a payment arrive late. Then they would have the opportunity to charge me late fees and increase my interest rate. This is a clear violation of UDAAP in my eyes. There is not logical business sense to cancelling an account holders online access outside of hoping it leads to increase in missed or late payments and ultimately more fee and interest income for Citibank.