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

I've Request By Phone, Mail and via the Online portal my updated credit report and haven't received anything from the Equifax, this gives proof that this credit reporting agency isnt reporting accurate information to my consumer report. This request is over 30 days old and i have yet to receive anything in writing sent to my address regrading my consumer credit file
Product: Debt collection

I sent request and request, request for validation and verification of this alleged debt being reported on my credit file. This is NOT my debt and i am a victim of ID Theft. This company will not response to my request but continue to contact me to make payment
Product: Debt collection

I got a car from US Auto Sale back in XX/XX/XXXX. Was making payments on time, then XXXX as I was making a payment the website redirected me to a company called Westlake. I called the number on the website and they then told me Westlake sold my contract and they were the new lead holder of the car. I ask for a contract from Westlake but never received it. The car was picked up on evening while I wasnt home with all my belongings in it. I never had a contract with Westlake and they are on my credit report. I really need your help.
Product: Debt collection

I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.
Product: Credit reporting or other personal consumer reports

This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXX  Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Please refer my previous CFPB complaint XXXX. 
Wells Fargo is just not letting me close my account. Instead they started charging me fees for XXXX balance. 
They can call me at XXXX to talk to me during Mon-Thu from XXXX XXXX  to XXXX XXXX  Central time or friday from XXXX XXXX  to XXXX XXXX  Central time. 

Moreover if one can open account online without going to branch so why one can not close the account online? 

Due to COVID-19 - I am not going to any place for notary or into their branch to close this account. 

I am doing part - time job and have to take care of kids while remote learning. Why wells fargo doesn't have chat or secure message options or email to do this work?
Product: Debt collection

I am writing to file a formal complaint regarding the improper practices of LVNV Funding LLC, which is attempting to collect a debt that has not been properly verified. I have requested verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient evidence to substantiate the claim. 

Specifically : No Original Signed Agreement Provided : The collection company has not provided a copy of the original signed agreement to prove that I am responsible for the alleged debt.

Improper Verification of the Amount Owed : They have not adequately verified the exact amount owed, excluding interest or fees, as required by law.

I believe these actions are a violation of my rights under the FDCPA and potentially other applicable laws. I request that you investigate this matter and ensure the collection company is held accountable for adhering to federal regulations. 

Enclosed, please find copies of all correspondence related to this matter, including my request for debt validation and the collection companys response ( or lack thereof ). 

I appreciate your attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me if you need additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removes a ch XXXX dismissed from my credit report and then added it back I was not given a 5 day reinsertion notice need to be remove.
Product: Credit card

This is absolutely ridiculous, first let me say this very complaint was sent to the OCC by the CFPB there it sat for many months then reffered back to the CFPB that has no knowledge of this apparently. I REQUEST A ADMINISTRATIVE INVESTIGATION BE CONDUCTED WITH THE CFPB. And once again with another complaint capital one refuses to change my phone number in my account so I can log in and use their services that need to be logged in to use. I have new credit cards that are well over a year old I can not activate to use because I need to log in to activate them. Capital one never gets my letters with my photo ID front and back and a statement to clearly change my phone number so I can log into my account. I have sent several of these letters with proof of ID front and back to the appropriate department, I also sent their uploaded feature electronically with my photo ID requesting to change my phone number. This has gone on since XXXXXXXX XXXX XXXX The cfpb refuses to do anything even tho my civil rights were violated and the actions by capital one are clearly retaliation in nature. They sent 1 letter stating they never reported delinquency to the credit bueru 's under the OCC supervision and I sent them proof by credit report they did in fact report this 3 times. Wich was due to not being able to get in my account to pay a annual membership fee .my bank now has a feature to echeck capital using my new credit card numbers that are not activated by me yet. None the less I deserve to be treated like everyone else just because I can not use a phone or use TTY services and capital ones live chat does not allow them to change phone numbers in customers accounts. I tried the live chat atleast a dozen times, I tried the upload photo ID of capital ones link 3-4 times, I have sent several letters with front and back photo ID requesting to change my phone number and provided the old and the new phone number to be changed. They refuse to acknowledge my request through all communication avenues I am able to do. They denied a section 504 accessibility reasonable accommodation request and a section 508 reasonable accommodation request stating I can use TTY services, capital one is in no position to decide what I can and can not due they are not medical professional and they certainly are not overseeing my conditions that make me XXXX. But because of my XXXX status the retaliation the denied reasonable accommodations and my still not being able to use their services freely like everyone else... I can't think of anything that does not scream discrimination better than this. Yet the CFPB sees one thing in common in all my complaints with capital one and it's this- they refuse to change my phone number so I can fully enjoy their services. And the CFPB does nothing in correcting these injustices!! The OCC sent this same complaint back to the CFPB a very long time ago and where did that go?? I request from CFPB 's - OIG that a administrative investigation be conducted on the grounds of federal employees ethics and productivity. We're are now under a merit system and federal employees shall be held responsible for wrong doing.
Product: Debt collection

Originally appeared on my credit reports several years ago as a debt owed to XXXX XXXX ( TX ) XXXX. Evidently, they are a county ambulance service. At the time they claim services were provided, sometime in XXXX, I was XXXX and was covered by Medicaid. I had never and have never received a bill of any kind either from XXXX XXXX XXXX or the collection agency, Municipal Services Bureau ( " MSB '' ), which is a known scam front for Gila Group. When this first appeared on my credit in XXXX, I called MSB and explained the situation and asked why I never received a bill of any kind from XXXX XXXX XXXX, nor from MSB. No one could provide any explanation and agreed to remove it from my credit, which it was. Then out of the blue, about 6 months ago it reappeared on my credit. I have contacted MSB again and they could not locate any record of me whatsoever and had no idea why it was on my credit. The MSB rep said he couldn't have it deleted if they had no record of me. In other words, they didn't know why it shows on my credit so they can't do anything to remove it. But the Rep then went into a spiel that if I paid MSB the amount shown as a debt, they COULD remove it. So it is just a shake down by a corrupt company, Gila Group, and its front MSB.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AQUA FINANCE Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Student loan

I have been paying off this loan for ~ 12 years and I owe almost what I did when I took out the loan. The original amount was XXXX {$42000.00} and I still owe XXXX {$42000.00}, despite consistently paying every month for about 12 years.
Product: Consumer Loan

I have an auto loan from Huntington bank. It is a 6yr loan and I am told it has a penalty for early payoff. I just read on the internet that it is prohibited on anything over 5yrs. Like to know if thats true.
Product: Checking or savings account

I was paid in a check from " XXXX XXXX '' on XX/XX/23. I cashed the check IN PERSON at a Bank of America Branch in XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX on XX/XX/23. The check total was {$500.00}. On XX/XX/23 there was a debit reversal for the full check amount of {$500.00} stating there was a duplicate deposit. That is impossible, as the check was cashed, not deposited. BoA stated that the check was cashed on XX/XX/23 and then renegotiated at XXXX XXXX XXXX XXXX  on XX/XX/23. I do not have an account with XXXX XXXX XXXX XXXX, nor was I given the check back after it was cashed. 

BoA has now refused to continue their fraud claim as they insist that I ( the customer ) have to reach out to the company that paid me back in XXXX to reissue a new check. BoA has stolen {$500.00} from me, closed all cases, and refuses to help get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

After paying off 2 mortgages that were in forbearance totaling approximately {$250000.00} in XX/XX/XXXX, the creditor resumed reporting to the credit agencies 3 late payments in XXXX, XXXX and XXXX of XXXX due to the loss of my job because of XXXX, a natural disaster. My credit score immediately dropped more than 150 points incorrectly by Transunion even though the late payments were due to XXXX and almost 2 years prior to the entire payoff of both mortgages in full. In addition, Transunion and XXXX both use the same source of data, and the same method to compute a credit score, namely the XXXX XXXX method of reporting. My credit score for both Transunion and XXXX has always been identical or within a few points of one another. Now the scores are approximately 150 points apart because Transunion is not computing my score correctly, and is reporting a score that is Poor and can do me no good in terms of obtaining credit, getting auto insurance, finding an apartment, etc. I have been in contact with Transunion in XXXX and XXXX of XXXX, spoke to XXXX supervisors and had an investigation performed and the only answer I get back is that my score is what the computer has computed for me. I need some human intervention here and common sense applied to this situation. At the request of Transunion, I've already tried contacting the creditor to change their reporting and they refuse to do so. The problem is that Transunion is computing my score incorrectly as evidenced by the fact that Transunion is currently reporting my score at XXXX while XXXX is reporting my score at XXXX, so it makes no sense. Something is wrong with the computation that Transunion is using because 3 late payments more than 2 years ago due to XXXX should not drop my credit score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first communication with Lundquist Consulting, inc was XX/XX/21. The second time was XX/XX/21. The third time communicating with lundquist consulting inc was XX/XX/21. 

I requested Lundquist Consulting, inc to provide me their method of verification and inaccurate information because the bankruptcy LCI is reporting unlawfully and sharing to the XXXX credit agency, and breaking the law. LCI is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts Eastern Division, and the website of Pacer.gov. 

Lundquist Consulting , inc broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

Lundquist Consulting , inc Reply me with the same copy paste letter tree times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are reporting accounts that are fraudulent and inaccurate. 

***XXXX XXXX- Filed chapter XXXX bankruptcy XXXX XXXX loan. Told from XXXX   XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt XXXX recalled debt XXXX XXXX   recalles debt XXXX XXXX couldnt validate debt or payment history. 

XXXX XXXX reporting inaccurate payment history and cant validate debt. 

XXXX- cant validate debt How are you verifying debt? 
Need proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I XXXX XXXX submitted a certified dispute to TRANSUION XXXX XXXX Clarifying Im a victim of identity theft I have also provided proof according to section 605b of the fair credit report act those accounts should be removed from my personal credit report within 4 buisness days in which these three companies failed to do I submitted everything to each company Which follows : Police report Ftc repost Theft affidavit Proof of address ( lease agreement ) I have also filed a civil legal suit as of XX/XX/2024 for failing to protect my consumer rights and removing fraudulent accounts As follow XXXX is reporting XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX  {$5900.00} XXXX IS REPORTING ( fraudulent account and address XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} TRANSUION IS REPORTING XXXX fraudulent accounts XXXXXXXX XXXX {$360.00} XXXX XXXX  {$5900.00}
Product: Debt collection

A letter was mailed to Capital One in XX/XX/XXXX asking that they verify that they took the proper procedures in regards to contacting my about the sale or disposition of my car prior to reporting it to the credit bureau. No information was obtain and received from Capital One. Another letter was sent as a follow up, on XX/XX/XXXX asking them again to provide proper documentation. Along with another letter on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a reply from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Hard Inquiries
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
Finance/Personal                            XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non
specific                                             EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: All Banks - non       EXPERIAN
specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX
Balance
XXXX
Highest Balance XXXX
Opened XXXX XXXX XXXX XXXX XXXX           XXXX
Original Creditor
Name
XXXX XXXX XXXX XXXX
Closed No Info XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

XXXX XXXX
Reported: XXXX XXXX XXXX XXXX- INQUIRY
Closed XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Bankcard
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email alert from my credit card company regarding a charge from Bloomingdale.com for the amount of XXXX. I immediately contacted my Citibank to inform them that the charge was not me and to place a block on my card. I also attempted to contact Bloomingdale customer service on the same day to inform them of the fraudulent purchase. But was unsuccessful reaching someone because the company had been closed due to the Covid-19 situation. I tried calling everyday until I finally got someone from customer service today. Which was very unhelpful. I had to call the company 3 times trying to resolve this matter. But all three times the representatives would ask me for an order number on a purchase I never made. I received nothing but the run around from Bloomingdales. So I decided contacted Citibank again to file a dispute. And according to Citibank customer service rep it would be faster to contact the merchant and file a dispute with them. Because it's going to take up to 8 to 10 weeks to resolve the dispute with Citibank. Right now I am frustrated and upset becauseI don't know what to do at this point.
Product: Debt collection

I have disputed this information with XXXX and of course it came back verified. On XX/XX/2019 original creditor vista village apartments notified me that I had an unpaid balance in the amount of {$550.00} due. My lease ended XX/XX/2019. XXXX XX/XX/2019 at XXXX I made a payment of XXXX towards the unpaid balance. Payment number XXXX. Total balanced left unpaid was {$440.00}. I was not notified by pro collect to collect this debt as well they are trying to collect {$900.00} when that wasnt the original debt owed.
Product: Debt collection

On XX/XX/XXXX, I received your response to my request for letter of validation sent XX/XX/XXXX. I requested for Dynamic Recovery Solutions to provide me with Validation of this debt. D.R.S. ignored my request of information validating that this debt belongs to me. I'm respectfully informing Dynamic Recovery Solutions I did not recall owning the allege debt to a XXXX  XXXX XXXX XXXX. Therefore, is the reason on XX/XX/XXXX I requested for them to provide me with specific information validating this debt. Information D.R.S. did not provide me with as requested in the first letter is. 
Provide me with copies of all XXXX Contracts XXXX that show I agreed to pay what you say I owe. 
Prove the limitations has not expired on this account. 
Proof that you are license to collect in the XXXX of New Mexico. 
In addition, considering this to be a medical debt, I do not understand how Dynamic Recovery Solutions obtained a medical Statement of Account showing medical treatment provided to a XXXX XXXX on XX/XX/XXXX with a Description of her services XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to include the Doctors information without having a valid signed HIPPA release form releasing the medical information to a third party. That document was not sent to me. This is a violation of Health Insurance Potability and Accountability ACT.
Product: Credit card

I opened a Capital One account in XXXX XXXX that had a {$300.00} credit limit. Due to recent layoffs at my former employer, I was unable to keep up with the monthly payments. However, in or around XXXX XXXX, I paid the account in full. Over the past year or so I have struggled to get in contact with Capital One regarding this account. It should have been removed almost a year ago but being that I initiated a dispute, it is not showing as being reported on XXXX/XXXX/XXXX which is extremely inaccurate. All I want is for this account to be removed from all XXXX credit reports like it should have been a year ago. It is affecting my credit in a negative manner and hindering me from getting other credit. It 's being reported inaccurately due to the updated reported date.
Product: Credit card or prepaid card

I was contacted regarding fraud charges on my account by the fraud detection department. I responded the charges were fraud. Followed by two phone calls verifying that my two citi credit cards both had fraud on them. I notified them that the charges were not me. They confirmed the charges were denied. However, a statement showed a charge did go through on my account. I disputed the charge. I called multiple times to get the status of the dispute. I was told it could take 90 days. Then I get a letter stating my claim was denied because they tried to reach me for more information and couldnt get what they needed so they denied it. Im addition, I have no received any statements for one of my cards since XXXX. Which resulted in late fees. Ive had a year and a half of trouble with citi providing me with statements. They refused to refund any late fees although to my knowledge and my follow up calls, I was not late and paid current on both cards. They have no problem delivering additional promotional offers. But I dont get all my statements, when I call for updates Im given inaccurate information.
Product: Debt collection

This company keeps calling me asking for money. Will not tell me where they 're from or what company they represent. They keep telling me to get a lawyer. They want money pay them and they wo n't sue me.