23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by an unknown number this morning, and when I answered I was informed that whoever was calling was looking for my father. They asked to speak with him but I was given no other information such as who was speaking or where they were calling from. Without knowing who I was speaking to, I did not disclose any information. Rather, I asked the caller to identify herself and after various attempts she finally gave me her name. I then asked her where she was calling from ( as in which company ) and she refused to answer. Instead she kept asking for my father. When I would n't disclose if I knew him or not she hung up on me. At this point I was curious as to who was calling soliciting information about my father so I called the number back and asked where I had called. The representative told me I was calling Glass Mountain Capital. I went online to see what this was and found out that it was a debt collector. 

My issue here is the fact that after various inquiries, the debt collector failed to disclose the fact that she was a debt collector. If I had n't called the number back, I never would have known it was an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to the credit bureaus requesting that they remove this account for XXXX XXXX  XXXX due to discrepancies. They responded as this account is accurate and updated. It is not.
Product: Mortgage

After speaking with  XXXX   XXXX  for the purpose of obtaining a physical payoff payment address, I sent Statebridge Company  ( m ortgage servicer ) a check of {$16000.00} meant to pay off the balance of my loan (  XXXX  ) with them. This is the payoff amount I received from the company after ordering the payoff. Despite the fact the check was cashed in  XXXX , the funds have not been applied to the loan, however, I 'm receiving collections calls. After trying to rectify the issue, I was told I needed to pay an additional {$180.00} to cover the interest and fees ( incurred while they had the funds ) in order to pay off the loan. I paid the as instructed, however I 'm still receiving collection calls for a mortgage that should be paid-in-full. I want the embezzlement to cease. I would like for Statebridge to apply the funds, close the loan and stop the collection calls. I have made several attempts to resolve this matter with them with no success. I have sent e-mails, and certified snail mail, along with several phone calls, speaking to several people, all of which have proven futile
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 71 credit inquiries within the past 4 months.

Of the 71 credit inquiries the only ones that I recognize are for car loans ; and I gave permission to XXXX XXXX XXXX to do so. The items, companies, and inquiries were not made and/or authorized by me and I have absolutely NO knowledge of these inquiries. There has been several instances where my bank, Credit reporting agencies and my credit card companies have reached out to me regarding suspected fraudulent activity and it is still going on. 
Please see dates, below. 
I have sent in written disputes to XXXX, Equifax and XXXX. 
XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX   XXXX  XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX   XXXX/XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : 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/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX   XXXX/XXXX  XX/XX/XXXX : XXXX  XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in XXXX hours during a weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Debt collection

I bought the car from dealer and the car had some issues, I was promised that they will take care of it and months go by no action ever taken. I called them to pick up the car because it was getting worst after three weeks they pick up the car and when I went to talk the dealer they wanted me to pay for a car that they have and already sold to somebody else and I told them I'm not doing that I thought they were fixing it so i can have a reliable transportation instead they sent me to the credit bureau. I tried to get it resolved with the dealer and the dealer is no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE VIOLATED THE RULES OF THE LAW Pursuant to XXXX XXXX ( a ) ( XXXX ) The banking system is dependent on my consumer report being fair and accurate. After looking through my consumer report I noticed that my report is inaccurate, and this inaccurate information is unfair for me because I was never notified of inaccurate information being furnished and I was never notified during this corporations initial investigation whether this information was true or not. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) - This grave mistake has undermined my confidence in your companies line of action, and because of this I will not be extending credit any longer and if this information is not removed, I no longer want my information reported in your companies records. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) Your corporation is a XXXX XXXX XXXX  This mistake your company has caused has destroyed my reputation and this has adversely affected my credit worthiness. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) - Your company has assumed this role. You were never given permission by me the consumer, so not only did you fail in the initial investigation for this information. You also assumed this role and assumed this information was valid. Which is a XXXX of my consumer rights. Pursuant to XXXX XXXX ( a ) ( XXXX ) You did not make sure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You were XXXX XXXX  XXXX side of the story and never consulted with me to find out if this transaction actually took place. As a result of this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to XXXX XXXX ( a ) This consumer reporting agency has been verifying most of my disputes with no proper investigation. What is the method of verification? The XXXX XXXXXXXX XXXX XXXX XXXXt on my Equifax consumer report is inaccurate because there is no witness to partake who was there during the transaction. In pursuant to XXXX XXXX ( XXXX ) To have a proper investigative consumer report there has to be an individual who is being interviewed witnessing the transaction. I also need to know if this information being verified is factual information. I need all of the details knowing that I am involved in these investigations. If there is no individual that was interviewed, and the verification is inaccurate then this is fraud and this account must be removed from my consumer report.
Product: Debt collection

I have received multiple letters from a company called ALLIED Recovery Solutions Incorporated. They claimed I was involved in a automobile accident on XXXX XX/XX/2022. This is untrue as I was not involved in any accident on that date. They said that I am liable for the damage to the vehicle. In one of the letters it claims that I did not carry liability insurance on the date of the loss. This untrue as I have always kept my insurance up to date. I have ignored the correspondence thus far, but am concerned as I was not involved in any vehicle accident on or around this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting and validating inaccurate information pertaining to the account XXXX XXXX XXXX - XXXXXXXX XXXX furnished payment history for the account and reported to Experian that my account was last paid XX/XX/2022. However the balance history reporting on Experian does not reflect a XXXX payment being made. This is evidence of inaccurate information. Consequently the account needs to be deleted immediately. Furthermore the account was charged off in XX/XX/2022 however the account was reported inaccurately by XXXX from XX/XX/2022- XX/XX/2022 as past due. According to my credit report, the past due amount on my account is XXXX but the status reported on the account says " Account charged off. {$560.00} written off. {$290.00} past due as of XX/XX/2022. '' which is inaccurate reporting, and the account status is listed as " past due. '' However, the account was charged off on XX/XX/2022 and the balance was subsequently written off by the creditor. As you are aware, charged-off accounts are not considered to be past due and should not be reported as such. The inaccurate reporting of my account has had a negative impact on my credit score and has prevented me from obtaining credit at favorable terms. Experian stated that the account remains along with this explanation " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. There is XXXX evidence that the account has been reported inaccurately and that said evidence can be found within the account information on Experian. Experian 's lack to adhere to the Fair Credit Reporting Act and hold XXXX accountable for the inaccurate information has caused a significant impact on my credit score and financial well being. 

The Fair Credit Reporting Act ( FCRA ) regulates credit reporting in the United States, and it specifically prohibits the reporting of inaccurate or incomplete information to credit reporting agencies. If a person knowingly or willfully provides false information to a credit bureau, they can be subject to fines, legal action, and even criminal charges. Additionally, the person who is harmed by the false information may have the right to sue for damages. It is important to ensure that any information reported to credit bureaus is accurate and truthful, as it can have a significant impact on a person 's credit score and financial well-being.
Product: Checking or savings account

I am executor of my mother 's CD account. She had added 3 beneficiaries to her CD ( me, my brother and sister ). When she passed away recently, I tried to close the account and have three checks made out to the beneficiaries, as per my mother 's wishes. The bank refused to give me the three checks, even though they had been issued and were sitting in front of me, unless we provided them with a signed, notarized letter from each beneficiary requesting that the account be closed and checks issued to the beneficiaries. Mom had accounts at 10 different banks and/or savings and loans and this is the only one that required this additional information.
Product: Debt collection

On XXXX XXXX, XXXX I received a voicemail from a company stating that their client had exhausted every effort trying to contact me, it was urgent that I return the call to avoid federal recommendation rendered on my behalf with or without inference. I reached a representative on XXXX XXXX and was informed that the " client '' is a debt from XXXX that was flagged from an audit. I stated that debt had been resolved in the past and I did not appreciate being contacted to resolve a debt already taken care of. I was told the company was attempting to keep me from further legal action. They offered to zero out the " interest '' ( supposedly {$9000.00} over the original debt ) down to the original amount owing and take payment of 10 % to fully discharge the debt, a mere {$740.00} that I can pay at {$25.00} a month. I stated I needed a letter from them outlining the creditor information, what they were proposing and reiterated this was not an offer to pay -- I needed something in writing from them before paying anything. I was told the letter would take 4-5 days. I then did some research and found the paperwork from the original debt. The debt alleged by this company was paid, I have confirmation of payment and that the credit reporting bureaus would be updated to reflect paid in full. I then called the company back stating I dispute the claim and that the debt had been paid in full as of XXXX.
Product: Credit card

Chase continues to refuse to process disputes in accordance with the law. I submit all disputes in writing and they fail to respond by the deadline with anything other than meaningless form letters. 

Here is a summary of open disputes. 

XXXX ) XXXX XXXX XX/XX/2023. {$180.00} The airline caused me to miss the flight due to their incompetence and misunderstanding of visa rules for Americans entering the XXXX. Chase never actually processed the dispute properly. They credited it and rebilled without explanation, proper research, or proof of an investigation. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023, {$28.00}. This is some kind of extra scam fee. I prepaid my stay in full on my XXXX ( {$110.00} ). I gave my chase visa only for deposit. I didnt use any room service or extra services of any kind. This charge was not authorized. 
XXXX ) XXXX XX/XX/2023 {$240.00}. {$52.00} of this charge is not valid because in order to check in I had to pay an additional fee at the hotel. They refused to give me the room otherwise. The confirmation email says paid in full. This was a scam. 

Others will likely be incoming. Chase refuses to process disputes according to the law and within the required time frames unless I file CFPB complaints. Its outrageous.
Product: Credit card

During my vacation in XXXX I received an alert on my phone that a transaction went through on my Apple Card for a store called XXXX. Ive never heard of this store so I immediately googled it to see what this was. From my own research I found that it is a XXXX owned chain of super markets in XXXX. Just to be sure I checked my XXXX account and everything was fine, nothing had been hacked to my knowledge but I changed the password immediately just to be sure. I then immediately contacted apple and explained the situation and they at first removed the charge, thanked me for reporting the fraud right away, and I was back to enjoying my vacation. Some time after I noticed that the charge had been added back to my account. Concerned I reached to inquire about the situation, retold my story to this new agent, and once more they removed the charge. I thought that was the end of it but another month passes and the charge gets dropped back to my account so again I reach out and ask why do they keep doing this and the agent explains that they deemed the charge to be valid. No other details given. XXXX explain how they came to that conclusion. I told them I have proof I wasnt in XXXX. I have my plane ticket showing I was in XXXX during that time frame. So again they removed the charge and again its currently under investigation. I dont know whats going on over there but someone isnt doing their job. With all the technology at our disposal. Is it really this difficult? I just want to be done with this fraudulent charge. I dont know why its been this difficult. I have an excellent credit score. I also have a good savings account with them. I dont know what the issue is here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings CFPB Team, I am requesting your assistance in resolving a Transunion account reporting, record verification and resolution notification concern. 

On XX/XX/XXXX, Transunion received by certified mail a Dispute and Removal request regarding a collection account from XXXX XXXX, XXXX for {$4900.00}. A request for Validation by XXXX XXXX, XXXX ; was sent by certified mail. The company never responded to the XX/XX/XXXX validation letter. Approximately 30-days later Transunion responded stating the account verified and no changes were required. 

On XX/XX/XXXX, Transunion received by certified mail a Method of Verification request advising XXXX XXXX, XXXX had not been able to validate the alleged debt per the Fair Debt Collection Practices Act. Therefore, the agency and bureau by law can not report a non-validated account. It was then requested of Transunion per the FCRA regulations they had 15-days from receipt to provide their full Method of Verification. 

On XX/XX/XXXX, I spoke with a Transunion associate by the name of XXXX that stated they had an open dispute and could not release any information regarding my file. He then advised the dispute would be resolved by XX/XX/XXXX. The associate was educated that my certified letter was not a dispute but was a Method of Verification. Additionally, I cited that processing guidelines allowed 15-days from date of receipt to supply the documentation and information requested per the FCRA guidelines. 

The associate then advised, they did not have any documentation or information regarding what the collection agency supplied. He also stated they do not control what the collection agency/creditor sends to verify the account. 

As of today, XX/XX/XXXX, which is 8-days past the FCRA, stated guidelines and Transunion, has not provided a written response to the request. I have subscribed to the Transunion platform in order to monitor my credit file and as of today, the dispute Transunion opened has closed without a written notice. In addition, the XXXX XXXX, XXXX account continues to report despite their inability to validate the account as requested. 

At this time, I am requesting CFPB to hold Transunion accountable for the blatant disregard of fair and accurate reporting. They also have practiced gross negligence in opening a dispute in lieu of providing their original Method of Verification. 

Without the collection agency validating the reported information and Transunion not providing their Method of Verification, XXXX XXXX, XXXX must delete the alleged debt. I hope that this will resolve the issue to avoid utilizing the services of judicial system. 

Thank you very much for your assistance and understanding. 

Best Regards,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against LVNV FUNDING LLC for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against LVNV Funding LLC in regard to a debt that has allegedly been assigned to me. I am unaware of any such debt and have not been given an opportunity to dispute the information provided by your company. 

If LVNV Funding LLC insists that proper notification was given to me, I hereby request that you provide evidence of such notification. Specifically, I request the certified mail receipt with my name on it and my signature acknowledging receipt of said notification. Without this evidence, I have no basis upon which to address the alleged debt. 

Furthermore, I believe that LVNV Funding LLC XXXX have violated consumer protection laws by failing to provide me with proper notification. According to XXXX CFR XXXX ( b ) ( XXXX ), consumers are entitled to clear and timely notification of any debts assigned to them. Failure to provide such notification constitutes a violation of consumer rights. 

I demand that LVNV Funding LLC cease all attempts to collect on this alleged debt until such time as proper notification has been provided and I have been given the opportunity to dispute the information. Failure to comply with this request will result in further action being taken to protect my rights as a consumer. 

Please acknowledge receipt of this complaint and provide a timely response regarding the evidence of notification and the steps LVNV Funding LLC intends to take to address this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I held a Capital One 360 Money Market account that was earning 0.80 % APY. 

On capital ones website, it advertises 360 performance savings account earning 2.0 % APY.

I called into capital one and was informed that my 360 money market account is a retired product that is no longer available, and that I could open a new 360 performance savings and transfer my funds into it in order to earn the higher interest rate.

My complaint is I was never informed that my money market savings product was retired and that it was replaced with a new product earning a higher rate. It seems capital one is purposefully not informing customers in order to save themselves from having to pay higher rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account NATIONSTAR MORTGAGE on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.