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

Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/scrub>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 Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are soft inquiries I did not authorize. I called XXXX and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX  Inquired on XX/XX/year> COLLEGE AVENUE STUDENT L Inquired on XX/XX/year>
Product: Debt collection

This has been my second attempt at trying to get this issue resolved. I filed a complaint about LCA ( Lanier Collections Agency ) having a {$140.00} negative collections item on my credit report. I did not owe this debt due to my insurance coverage at the time of services. LCA was informed that I had coverage with t providers. They advised that it was not up to them nor the original creditor to file with both providers, but that is inaccurate. It was the providers ' responsibility to bill both providers. 
On XX/XX/19 I contacted XXXX XXXX XXXX, now XXXX XXXX, and they advised that this bill is NO LONGER owed by me, and that they emailed LCA advising them that item should be removed from my credit profile prior to our conversation. XXXX   also advised they would email LCA again on XX/XX/19. I did a follow up call on XX/XX/19 with LCA and the rep advised me that XXXX had more than likely made a mistake, and that the charge was still valid and that they had to investigate. My reply was that if they had an email confirming that the debt was not owed by the original debtor why would they not remove the item. The rep did not have an answer ...
Product: Credit card or prepaid card

Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card. 

They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.
Product: Debt collection

I sent a certified letter on each attempt dated XX/XX/18, XX/XX/18 and XX/XX/18 to Ad Astra Recovery Group for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation that states that I signed an agreement to Ad Astra Recovery Services. The  request was not adhered to. Ad Astra Recovery Services continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company. I don't even know who they are. Ad Astra Recovery Services have reported the information to the credit bureaus as verified and I am asking that it be deleted the account was never validated. The account does not belong to me.
Product: Debt collection

Upon checking my credit report, I noticed that Fair Collections and Outsourcing were reporting an account XXXX to all XXXX credit reporting agencies. For starters, I was not notified of the alleged debt before it was thrown onto my credit report, it suddenly appeared. Fast forward to XXXX XXXX, 2017, I sent a debt validation letter to FCO asking them to validate the debt. I received correspondence from them on XXXX XXXX, 2017 in the form of a package enclosed with the copy of a lease that bears an electronic signature and a statement of charges.This to me is not a form of debt validation, its basically FCO stating that they purchased a debt from a creditor and are trying to collect without proving that I have in fact have done business with them. After sending my second letter to them requesting that they send me proper validation, they responded stating that they will not respond to multiple request of me asking them to send proper proof of validation. I also disputed this collection with the credit reporting agencies and have since received feedback from XXXX whom stated that FCO sent back the account as " verified ''. They have since changed the way they are reporting on my credit report since I filed a dispute for removal of the account from my credit report. They changed the original name that they were reporting under from Fair Collections & Outsourcing to XXXX XXXX. How are they able to verify an account and change the name they are reporting under to the credit reporting agencies? It is their job to provide proper documents of validation in order to collect on as debt, and it is also their responsibility to report ACCURATE information.
Product: Vehicle loan or lease

I have a car loan through credit acceptance in my childrens dads name. I purchased the car in XXXX  and the buy out on the car is XXXX. My kids dad wants the loan out of his name so Ive been trying to refinance the vehicle, no one will refinance the loan because its not worth how much is owed on it. Im struggling paying on this car and Im  in a bad place with their dad currently and just need some positive to come from this situation.
Product: Debt collection

On XX/XX/XXXX the office manager for XXXX told me that I could pay {$5.00} to {$10.00} per month for up to 24 months before the balance of {$8000.00} was due for 2 XXXX  to be installed in my mouth ; XXXX  did not wait the required 72 hours before they billed Comenity Bank / XXXX XXXX. The procedure was performed by an unlicensed oral surgeon, who subsequently botched the installation and the XXXX fell out of my mouth. I do not owe this debt because the work was never performed. I contacted XXXX XXXX that I wanted a refund because the office manager, now a former employee, had informed me of improper billing practices by the dental office. On or about XX/XX/XXXX I visited XXXX XXXX 's office where he told me that he was processing the refund and had me sign a receipt. He, in fact, was restarting the finance agreement that I wanted to be released. I never had any further work done by XXXX and do not owe this debt to the XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$580000.00} XXXXXXXX XXXX XXXX XXXX - {$770.00} XXXX XXXX XXXX XXXXXXXX - {$22000.00} XXXX XXXX XXXX XXXX - {$810.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus XXXX and transunion are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus XXXX and transunion have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.
Product: Debt collection

On XX/XX/2019 at XXXX XXXX PST FRS made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a XXXX XXXX   XXXX ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call FRS did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCodXXXX XXXX. 

On XX/XX/2019 at XXXX XXXX  PST XXXX from FRS contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect FRS to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made multiple attempts to resolve delivery issues with XXXX. I spent at least 6 hours on the phone with reps and supervisors. Each one would give a different scenario, or put me on hold and never return, or gave incorrect information, or made statements that were not truthful or inaccurate and just simply lacked common sense. The customer service is beyond horrendous. After hours on the phone and speaking to reps and supervisors, it was still not resolved and became more and more conflicting with each conversation. So while on the phone with the last supervisor on XX/XX/2021 I demanded to immediately cancel my account. After 13 years as a customer I want nothing more to do with XXXX. She confirmed cancellation. I then received the attached email. The email is a lie ; dishonest; erroneous and made up. This is unprofessional and substandard administration. I contacted Capitol One to ensure that correct and accurate information is placed on my credit report to reflect that my account was CANCELLED BASED ON MY REQUEST. Capitol One informed me that they are the financial side of XXXX and is responsible for reporting to the credit agencies but could only place on my report what XXXX told them. They could not change, alter or edit any information. This is to demand that XXXX, XXXX and Capital One place truthful and accurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX - XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Prepaid card

The. Company is Direct Express. They have shut down my account, card, and ability to look at the account online. I have sent my ID card and other forms of identification and still they have not released my funds that are from social security. 
They have been withholding funds for 3 months or more now and I hVe told them to send it back to SSD acct so I could have them put in my bank account. Dealing with this company has been a nightmare and SSD has not helped at all.
Product: Mortgage

Can you please ask XXXX to confirm that they will be paying the County Taxes on my house at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this accounts, XXXX XXXX XXXX XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Mortgage

In XXXXXXXX XXXX XXXX we did a loan modification.WE have paid every mortgage payment. WE even have statements from Santander showing they received each payment. In XX/XX/2021 we start receiving these letters saying This document is an attempt to collect a debt. After at least a dozen phone calls to Santander finally thinking we found out that they sent one of our mortgage payments to escrow instead of applying it to our mortgage. While each month our credit report is taking a hit. Again this month I receive another letter saying they are trying to collect a dept. With another phone call and the last one we talked to a manager who did not know why we were receiving these letters showing to him that all mortgage payments have been made. He sends it over investigative division. So as this is still lingering on and my wife and I credit has went way down there needs to be some repercussions towards this bank for what they have done to us and our credit worthiness.
Product: Money transfers

Am reporting in hopes of saving someone else more than thinking that I will ever get my money back. 

Was contacted this morning by a person claiming to be my son-in-law, allegedly in jail after crashing his truck into a utility pole. The voice and inflection of the voice did indeed sound like XXXX. He turned me over then to his alleged lawyer who explained the immediate need for {$2000.00} cash to get him released. Sent the money via MoneyGram to a XXXX XXXX in Delaware. Then got another phone call saying there was a new complication that another {$1800.00} was needed and realized at that point that I had been taken in. Rushed back to WalMart were I executed the MoneyGram transaction, they immediately check and the money had already been picked up. The MoneyGram reference number in this case is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took a look at my credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the collection account from XXXX XXXX with account # XXXX and a balance of {$74.00}. The original creditor is XXXX XXXX XXXX, are not complete and accurate. This is not my account. 

They sent me investigation back and said everything is complete and accurate. I checked myaccount again and it's still not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

I recently extended my Mercedes Benz Financial Lease from XX/XX/XXXX - XX/XX/XXXX. However, I am wondering why Mercedes Financial stopped reporting my installment loan to the XXXX credit reporting agencies. Because my XXXX is no longer being reported to the XXXX reporting agencies ; my credit score with all XXXX bureaus took a nose dive because there is no recent installment loan payment history. I have an active lease still with a lease maturity date of XX/XX/XXXX. Therefore, the payments should be reported to the XXXX credit reporting agencies.
Product: Checking or savings account

This in regards to a deposit that was made for XXXX. This has been since XXXX but haas gone back and forth between XXXX who is discovers processor and XXXX XXXX  who is the maker of the XXXX XXXX. I have verified as of XX/XX/XXXX that XXXX XXXX has put the XXXX in Discover Banks processing account so it needs to be credit to my account which is closed. So I need to have that money refunded back to me so I dont know how that will work. Maybe my account can be reopened or a cashiers check be mailed out to me. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Here are my notes and contact people for the other banks involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Left voicemail with info regarding check image Referance XXXX XX/XX/XXXX XXXX reference number XXXX XXXX  XXXX XXXX XX/XX/XXXX Left XXXX for XXXX on XXXX XX/XX/XXXX XXXX applied payment XXXX on XXXX To your processing account. From XXXX back office.
Product: Checking or savings account

Debit card was stolen and social security card and phone multiple unauthorized transactions on account would like to receive provisional credit ( funds ) that were not authorized
Product: Checking or savings account

My name is XXXX XXXX XXXX I was the victime of identity theft and wells fargo denied my claim i reported it immediately and did everything they asked me to my account was used by someone else i did not give anyone permission or access to my account but i was missing {$5000.00} i want to file this suit immediately to get my money back you can reach me at XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I tried to withdraw {$80.00} to buy my children groceries but my account with all my money was locked without notice. Cash app has no phone number or customer service representatives to speak to. After emailing them over 48 times they finally responded on XXXX XXXX : Hello, My name is XXXX with Cash Support.

At this moment, we still have not receive the requested documents. 

To begin our investigation, please provide documentation for each unemployment deposit received. This will speed up our investigation and assist with determining the next steps. 

Failure to provide the requested information will affect the outcome of your claim. 

Please submit the following : State documentation verifying the source of funds ( i.e. Notice Of Monetary Determination Letter ) Previous paycheck or direct deposit statement from the same employer Copy of government ID ( Drivers License, State ID card, Passport, or similar ID ) in the recipient 's name of the unemployment deposit Any other documentation to verify the source of funds Copy of your government ID ( Drivers License, State ID card, Passport, or similar ID ) THIS IS UNACCEPTABLE!!!!! I didnt feel comfortable sending in all my information to a random company that already hijacked my account but I sent in my info anyway. 

It is now XXXX XXXX and I still have not received a response, a cashiers check, nor is my account unlocked.