23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX closed my account without notice & sent me a cashiers check with the remaining balance of {$12000.00}. I was told I would receive my funds within 5-7 business days. After waiting for 2 weeks I went into a branch to speak with a manager about the whereabouts of my check. I was told to call in two days later and they would have the status of the cashiers check. I called in on XX/XX/XXXX and I was told that the check was cashed fraudulently XX/XX/XXXX at a Capital One bank in XXXX Virginia. I live in New York. 
**The problem is that I was in a car accident and those funds were from my car insurance company to fix the damages to my car. The damages were over {$13000.00}. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for 3 months now. 
** The urgency of this matter is that the collision shop has now put a lien on my car & it will soon go up for auction. Which then will result in a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & I am being informed by XXXX  that Capital One has not responded to my claim for my funds to be given back to me that was stolen. 
Can someone please look into this matter before I lose my car. This is very unfair to me that my check was able to be cashed at Capital One Bank. I was not present & Im sure this person who stole my money did not show proper identification to cash my check in the first place.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Product: Checking or savings account

Im being charged and sent to a collection agency for the amount of {$390.00} due to some transactions that posted on the account but it was from previous days. These transactions were not approved and I closed the bank account previous to this. On the other hand, I received a letter from BB & T stating that the transactions returned due to no funds/account closed and no overdraft fee was charged??? Please explain to me why I was sent to a collection agency.
Product: Vehicle loan or lease

I went to XXXX of XXXX on XX/XX/XXXX to lease a new XXXX XXXX. As apart of the deal I traded in a XXXX XXXX XXXX of which I agreed to accept XXXX as payment for the vehicle. The dealership to date has only paid XXXX to XXXX and has not issued the remaining balance to me. I have called and left messages and sent emails that have gone ignored. Currently Infiniti is in breach of our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

One month delay in the payment in 2012 for the minimum of {$25.00} after or before every payment on time mail got missplace on a XXXX card
Product: Credit reporting or other personal consumer reports

My mortgage was sold to roundpoint mortgage in XXXX. I was not informed of the sale of my mortgage. My mortgage is set on automatic draft from a savings account. It wasn't until XX/XX/XXXX when I received a notice from XXXX of a credit change by XXXX. I immediately alerted the fraud department about the situation. After investigation, I uncovered it was a delinquency of 66 days by Roundpoint. I immediately went online to determine who roundpoint was. After continuous research, I found out that my mortgage was sold to roundpoint- despite any communication to me. Immediately called the customer service line and made a payment in full of {$13000.00} on XX/XX/XXXX ( the same day of this situation ). The payment was to cover XXXX, XXXX, and XXXX, bringing the account to current status. I have since called the company 13 times and submitted multiple letters stating no communication, and failure to notify under RESPA. You can look at my previous credit history which will show that I have never missed a payment. This made my credit score drop XXXX points, taking it from exceptional to fair. I have asked the company multiple times to make a goodwill adjustment. They have not made any efforts to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Enhanced Recovery is currently reporting a false account to my credit file, this account is the result of an XXXX XXXX XXXX. During this breach, my personal information was stolen and used to open accounts against my knowledge. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from CMRE Financial services. I am requesting that you allow my attorneys and I 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, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records 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 signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal 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 or accounts being placed with 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a letter ( 3 times!!! ) that stated they need proper identifcation to verify my disputes. I've sent them a copy of my ID and my social security card and they sent ANOTHER letter requesting the same information!! At this point, I'm convinced they are avoiding investigating the negative accounts on my credit report. The last letter with a copy of my ID and social security card was sent on XX/XX/2020 and the tracking number [ XXXXUSPS ] shows it was received. I am disputing all negative accounts and BKs because my sister has a similar name [ XXXX XXXX-my sister 's name ] of mine and we have a lot of accounts that are the similar from the same companies and I need for them to make sure all accounts are reporting properly and not cross referenced with my sister 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/XXXX. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to TransUnion. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off ( and those payments were always made on time ). 

I called TransUnion about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.
Product: Credit reporting or other personal consumer reports

i had asked equifax for a credit freeze and an pit out and was denied i had filed an identinty theft report with the FTC and asked for a freeze and opt out from all 3 creditors and i recieved a letter today from equuifax saying that they will not be blocking my information this is unacceptable i was scameed oeople got a copy of my id ss card and is destorying my credit as we speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXr XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was homeless in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Product: Credit card

in late XX/XX/XXXX, in my last phone communication with Chase card services, specifically in their credit card settlement department, which I made to them in an effort to remain in good standing, they recommended to me on a recorded line that I would be able to call back at the end of XXXX, prior to XX/XX/XXXX, and arrange for a schedule to specifically keep my two charged off credit cards in good enough standing to not send it to a law firm for collection. It was then made aware to me when I called back at the time they suggested that they had referred this situation to a law firm on XX/XX/XXXX. As such, Ive lost the ability to settle my amounts agreed upon and now face litigation even though I proactively tried to assist them in the process of recovering payment from me. A law firm is now harassing my XXXX XXXX father even though it knows my address.
Product: Debt collection

I am a victim of identity theft and I am being harassed by ASSETCARE LLC AND XXXX XXXX XXXX XXXX to pay debt on a collection account that does not belong to me. ASSETCARE LLC is reporting this fraudulent account and debt every month to XXXX, trying to collect fraudulent owed debt in the amount of XXXX dollars. From my understanding this account is being sold around and companies are keep trying to collect on it. XXXX XXXX was representing another Company in the matter of this account named XXXX XXXX XXXX, I have enclosed an attachment as proof. I also have enclosed a copy of my identity theft report I filed with The Federal Trade Commission.
Product: Debt collection

Did not receive any information about debt. Credit reports only state debt if from XXXX XXXX I can not verify debt is legitimate. Please provide date of service, what services were for, a copy of original bill and a copy of signature for services. If can not provide any information or verification of debt please remove from all credit bureaus asap. 

Thank you
Product: Debt collection

On XX/XX/XXXX my employer was served with garnishment wages by Pressler , Felt & Warshaw , LLP it stated that it was out of XXXX XXXX NJ XXXX XXXX  part. I never received any documents prior to this at my home via regular mail and or certified mail. My employer did not receive the letter via certified mail either. when I called XXXXXXXX XXXX XXXXXXXX court and provided them with my Docket number XXXX  XXXX they advised that this debt belonged to XXXX XXXX which is not me. Pressler , Felt & Warshaw , LLP impersonated a judge that died in XXXX of XXXX and the letter sent to me was dated XXXX and recieved not certified letter to my employer on XXXX. Everything on the letter was false information in obtained a phone number and email of a diseased judge that did not work for XXXX years. XXXX XXXX XXXX XXXX admitted to me that the docket number for these particular garnishments have not been entered with XXXX countly nor is it under the same name as me. Pressler , Felt & Warshaw , LLP never formally entered legal documents. I have asked them for proof of everything .The people that work at Pressler , Felt & Warshaw , LLP are very rude whom pretend to be lawyers when I ask them for the law license number they refuse to provide. I have asked them for prrof of documents that were sent to my home and they refuse. the jugde that they declare has signed this letter is XXXX XXXX whom is XXXX the email that they have on the document is XXXX which is not a goverment email and or a lawyer email. they sent it stamped with XXXX XXXX XXXXXXXX XXXX  and when I called XXXX XXXX answered and advised that no XXXX document exists with them. They sent an email to my employer asking for my wages to be garnished i filed a mossion to vacate default as well as objection to garnisgment and answer out of time. they asked on the letter for all payments to be sent to a XXXX human being XXXX XXXX court XXXX XXXX XXXX XXXX XXXX NJ which is not even the address of XXXX XXXXXXXX XXXX court. Everything on the letter that was presented to me for the forst time by my employer was falsefioed. no legal documents have ever been sent to my home and they are lying about documents Pressler , Felt & Warshaw , LLP
Product: Debt collection

I recently received a message from XXXX who I use to monitor my credit report. The debt notice is from Wakefield & Associates for a debt I am unaware of. I requested a validation of the debt but have not received any information. Nor have I ever received any written documentation from Wakefield and Associates regarding this debt and who the original creditor was. It wasn't until the message from XXXX saying my credit score was lowered and that XXXX XXXX notified of me of a decreased credit card limit due to debt on the credit report that I took a deep dive into my credit report. 

Wakefield & Associates claims this debt was opened on XX/XX/XXXX for the amount of {$1500.00} as of XX/XX/XXXX. The original creditor from the first credit report is listed as APP OF NEW MEXICO XXXX XXXX. Doing an online search shows this name is associated with a psychiatric office in XXXX, NM. I contacted the billing office and they do not have me as a patient in their system. I have never received services from them. 

So, I disputed the credit report through XXXX and today received an update. The report update is dated XX/XX/XXXX. The amount is now {$1500.00} and is considered past due. Now the original creditor is listed as XXXX XXXX XXXX XXXX. This company is registered in the State of Washington. I am in New Mexico. 

The information for XXXX XXXX XXXX XXXX is listed as a foreign limited liability company in the state of Washington with a branch in Delaware. The registered address is listed as XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The agent name is listed as XXXX XXXX XXXX  XXXX with the address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. No phone number is listed to request a dispute or a validation of the debt. XXXX XXXX XXXX XXXX also lists branches in Rhode Island, North Dakota, Colorado, Iowa, and Idaho. I have not lived nor received services that would warrant any debt in these states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX  XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Payday loan, title loan, or personal loan

On  XXXX   XXXX  I went to Check into Cash for a flex loan. Everything was approved until they found a debt from  XXXX  that has not been paid. I filed Chapter  XXXX   Bankruptcy and this debt was discharged in  XXXX   XXXX . They then directed me to the collections department in an attempt to colle ct discharged debt. The next day they confirmed my Chapter XXXX  But still refused to grant me the loan based on the fact of the discharged debt. They denied me credit once already approved based on the old debt and attempted to.collect.the debt even though it was discharged in my bankr uptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX have downloaded my credit report and found a discrepancy from TransUnion. 
On the addresses line there is an address of XXXX XXXX XXXX, XXXX, IL XXXX during XX/XX/2012. 
I do not have a XXXX XXXX XXXX in XXXX IL. Please remove this discrepancy from my credit report.