23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Transunion should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it. 

Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.
Product: Checking or savings account

On XXXX I noticed my bank of america checking account had a balance of XXXX and immediately called the bank. The rep alleged there had been irregularities on the account that needed to be investigated and so the account had been frozen. They did not provide any details about the said irregularities and would n't indicate when the investigations would begin or end, so I had no idea when I would be able to access my funds. 

I went into a local bank to see if I could get any more information and a bank staff theorized it may have been an issue with a check deposit someone made in my account a few weeks back, but he could n't say for sure. Around XXXX, I get a letter in the mail that my credit card account with bank of america had been closed, and I needed to pay off any balance, which I did immediately. Again, I called the bank to find out what was going on with my checking account and now my credit card and got no explanation. 

Today, XXXX, I get 2 letters in the mail from bank of america. One containing a check for my balance prior to the account freeze and the other a letter stating my account had been closed following a 'careful review of my account '. There was no rationale provided, instead, a threat stating the bank may report the account to chexsystems or early warning services, which may affect my ability to open another for 5 years. 

Both my checking and credit card accounts have been in good standing since I opened them with the bank. I have neither missed a credit card payment, nor, to be best of my knowledge, have I been overdrawn or delinquent with my checking account. While I understand the bank has a right to close their account the same way I do, they held my money hostage for over a month and eventually closed my account with no explanations. They did not even have the decency to apologize for any inconvenience caused by denying me access to my funds for over a month. Instead, they chose to threaten to adversely affect my life for the next 5 years, without ever explaining the rationale. 

I also understand the bank my not be required to provide a reason for closing my account, but I need to understand how I can be sure they are treating me fairly, and not targeting me for some reason.
Product: Credit card or prepaid card

XX/XX/XXXX, I got the American Express XXXX XXXX credit card during a period when they were offering XXXX points after spending at least {$3000.00} in the first 3 months. 

XX/XX/XXXX, I met the minimum spend of {$3000.00}, less than 2 months after account opening. 

XXXX, I still had not received the points so I chatted online with a customer service representative who told me the points would post 6-8 weeks after meeting the minimum spend. At this point it had only been 7 weeks, so I waited a little longer. 

XX/XX/XXXX, still no points. So I chatted online and the representative told me the points should be there in 7-10 days but I might have more luck if I call the number on my card. So I did that. But this representative told me the same thing, 7-10 days. So I waited. 

On XX/XX/XXXX, still no points so I chat online and the customer service representative told me I had already received the points. After some 20 minutes of argument I realized that he was talking about a XXXX point referral bonus I was awarded for referring my boyfriend ( despite confirming at the beginning of the conversation, I see youre inquiring about the sign-up bonus ). So I give up on this guy and call on the phone. The phone representative apologizes profusely, tells me the problem has been escalated, it should be resolved in 24-48 hours and a supervisor will call me to let me know. 

XX/XX/XXXX I receive a voicemail from a supervisor named XXXX telling me that the problem has been resolved and if I have any questions I can call him at his extension. 

XX/XX/XXXX I look at my account, still no points. So I call up and tell the representative that I want to speak to XXXX. He tells me XXXX is not there but another supervisor will call me back in 24 hours.

XX/XX/XXXX 24 hours later and still no call, so I call them. The rep I speak to tries to argue with me that for some  reason Im not actually entitled to the points so I ask to speak to a supervisor. That supervisor tells me that Ill get the points by XX/XX/XXXX. This time I push very hard and explain what Ive already been through, that I dont really believe her because Ive been told such things many times now, and isnt there some way to just credit the points to the account now? No, I have to wait until XX/XX/XXXX and the points will be there. 

XX/XX/XXXX Still no points. So I call them up again. A representative named XXXX tells me there is a technical error and she does not know when Ill get the points. She can not give me a date. I 'm now wondering if I will EVER get these points, and I feel bad for those folks who literally do n't have the time to go through all this frustration and are forced to just accept that American Express has screwed them out of about {$600.00} worth of points.
Product: Mortgage

I had a mortgage with American Servicing company. I had a financial hardship. I was denied any type of lost mitigation. My home was illegally foreclosed on. Now this creditor continues to report it late every month and it has been over 4 years. THIS WAS AN ILLEGAL FORECLOSURE. They continue to report inaccurate information on my credit file. After so long they can't continue to report late payments every month. They drop my credit XXXX points every time they report the late payments after all of these years
Product: Checking or savings account

I received a wire yesterday for XXXX from inspired title company and I previously called in to make sure that I could receive wires to this account and they said yes that will be fine that there is no limit & that's it's normal since SoFi is a financial bank based around investing in stocks and having a higher interest rate for checking and savings, it seemed like the right bank do business with. Shortly after I recieved the funds I attempted to transfer XXXX to a different account that's connected to my SoFi account to pay off a loan, get food and get gas to evacuate the area here in LA and they reversed it and then restricted my account so I can't send, recieve or even just use my debit card at all. I've been sleeping in my car not eating or drinking water because of this and I have no access to my money that is CLEARLY a valid deposit with a clear paper trail of where it came from. I can't access any of my money to get food, gas, or even a place to stay while I'm stuck here in an area that has smoke everywhere and houses are burning down. This is really messed up and I can't believe SoFi put me in this situation when everything is so clear and legitimate ....
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Information XXXX Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( XXXX ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my communication dated XX/XX/2024 ( See attached Supporting Document # XXXX ), I notified Teletrack of that I was exercising my right under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) to request the Method of Verification that was used to verify the accuracy of inaccurate information in my Teletrack Consumer Disclosure Report. 

My Method of Verification Request ( MOVR ), dated XX/XX/2024, was made pursuant to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which reads : A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 


I requested that Teletrack provide a detailed explanation of the specific method used, including the name and contact information of the person Teletrack spoke with ( including the date and time of the discussion ) who verified the inaccurate information as accurate. Along with the MOVR details, I requested that Teletrack provide me verification of the accuracy of the aforementioned items and supporting documentation to support its claim. 

The FCRA 611 ( a ) ( 7 ) requires that Teletrack respond to my MOVR  within XXXX. The XXXX statutory deadline for Teletrack to respond to my Method of Verification Request was XX/XX/2024. 

In a letter dated XX/XX/2024, ( postmarked on XX/XX/2024 XXXX days AFTER the date of the letter and XXXX days AFTER the statutory XXXX requirement ), titled Dispute Process Description ( See attached Supporting Document # XXXX ), Teletrack replied to my Method of Verification Request with a generic, overgeneralized, nonsensical description of their reinvestigation procedures. Teletrack failed provide a description of the SPECIFIC PROCEDURE it used to reinvestigate my dispute, the name, date, and time of the individual they spoke with who verified the accuracy of the inaccurate information, and any supporting documentation to support its claim.
Product: Credit card

between XX/XX/XXXX and XX/XX/XXXX on XXXX separate charges a total of {$17000.00} was STOLEN right off my card- by making balance transfers. 

I have demanded an explanation of how this could happen as this card was ONLY in my name. I have received no response. 

I have repeatedly demanded XXXX the IP addresses of all of the withdrawals XXXX. Where my money was transferred to- account details XXXX. Exact Dates and amounts of when the money was moved I am getting NO answers. Citigroup has NO sense of urgency. 
Please help asap. 
Thank you so much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out Equifax, XXXX & XXXX but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( Equifax, XXXX XXXX XXXX ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022
Product: Credit card or prepaid card

Citi has " reviewed '' their internal actions and surprisingly came to the conclusion that they have no wrong-doing. They have reduced my credit limit for no reason, refused to process automatic payments with the intent of forcing the account to have late payments, charge fees as a result of their actions, refused to credit payments, and increased the rate to the penalty rate after 1 late payment ( again the results of their system ). 

They have been flippant and dismissive in their responses, and have been punitive in actions as a retaliation to leveraging complaints to the CFPB in order to force action. Their staff is rude and lacks all skills necessary for proper service. 

This is the single worst bank I have ever worked with, I am appalled that you allow them to continue to treat customers like this. 

Additionally, the response I received from my last complaint, listed a closure reason that I was not their customer. Their direct correspondence to me clearly shows that they were in-fact able to locate me. I find it disgusting that they would lie to governing body such as the CFPB in order to cover up their own wrong-doing.
Product: Money transfer, virtual currency, or money service

I opened a XXXX account sometime in XX/XX/XXXX. About a year after ( maybe less ), I could no longer use this account for purchases. I however, conscientiously made my monthly payments ever since and keeping current until the present time. My monthly payments averaged around {$50.00} a month. 

On XX/XX/XXXX I received a letter from Westlake Portfolio Management saying that they are servicing my XXXX  account which was issued by XXXX XXXX XXXX  and requiring me to make my first payment of {$120.00} due on XX/XX/XXXX. 

This was the first communication I received from them or from XXXX or from XXXX XXXX XXXX  regarding this account or any changes to this account. 

Starting XX/XX/XXXX, I received several potential scam phone calls from the XXXX XXXX area which I suspect would be from them as I have very few contacts from that area. Whenever I tried to pickup the phone, there was nothing at the other end. This went on until XX/XX/XXXX. 

On XX/XX/XXXX, I emailed them : On XX/XX/XXXX, I received a letter from you indicating that you are servicing my XXXX  account. However, per FDCPA rules, you failed to provide the following information in writing : The amount of the debt That I can dispute the debt The name and address of the original creditor. You are demanding a first payment from me with a due date of XX/XX/XXXX without any details or disclosure of the debt. Please reply to this message immediately. Thank you. 

XX/XX/XXXX I emailed Westlake Portfolio Management : I have tried to reach you by email and written letter but have not gotten a response yet. I need to know details about my account : - Total debt amount - Terms of payment - Monthly payments XX/XX/XXXX I received this email : Hello, We can not discuss any details of your account via email. Please contact our Customer Service Department at ( XXXX ) XXXX for assistance with this request. Business hours are Monday Friday : XXXX XXXX and Saturday : XXXX XXXX XXXX XXXX. 

Thank you, Westlake XXXX XXXX XX/XX/XXXX I replied : Please send me a written communication. Thank you. 

To date, XX/XX/XXXX, I have not received any further communication from them. 

On XX/XX/XXXX for fear of them ruining my credit and despite not knowing any details or how much I will be forced to pay them, I created an online payment account and made a one-time payment of {$80.00}. It is here that I finally saw details of my account ; Balance : {$1600.00}, maturity date XX/XX/XXXX, monthly payment {$120.00} at 0.00 % annual percentage rate. This looks like I will be paying {$7400.00} after 5 years! 

Failure to disclosure the terms and details of my account and simply demanding payment was a blatant disregard of my right as a consumer, and probably a usury law in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX  XXXX {$380.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX {$1000.00} In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and the rest of accounts above 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

We had a   XXXX   bill and it was paid.  XXXX  messed up the billing and somehow said we owed a amount that is not owed. We have contacted  XXXX  and have on a recorded conversation that this debt is not owed.The conversation between myself and a  XXXX  representative clearly states that a  XXXX  balance is owed. And he would get me a statement showing so.He also clearly states that the collection company needs to update it on there end. And cease with any further attempts to collect on this debt. As it is not valid.   I have spoken to focus recievable management several times including the floor supervisor. They always say this will be taken care of and they will get back to us, But then we never hear from them. They have a copy of the recorded conversation as well. And refuse to acknowledge it.This is in violation of the FDCPA especially when we have a recorded conversation stating from the original company that the debt is  XXXX .   Attached is the recording which clearly states that there is a  XXXX  balance due. I also have attached the final payment we paid to them for proof.
Product: Debt collection

Debt was fraudulent was reported XXXX XXXX in the amount of {$310.00} I have no knowledge of this account. Helvey and associates is the name behind the account. This is IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have problem with my credit score with Equifax and XXXX. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in XXXX was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with Equifax and XXXX earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XXXX the XX/XX/XXXX, I realized that a transaction was incorrect. It was supposed to be & XXXX and end up being {$470.00}. 
Filed a dispute. Dispute was denied in hours supposedly after an investigation talk to the merchant the bank didnt contact them at that point.

They made me start a rebuttal for that dispute. 2 minutes after I filed the rebuttal was denied. This happened 4 times. 
Now they said that because its now a rebuttal I dont have the right to get a temporary credit and that I should wait till XX/XX/XXXX to give me an answer. 
I asked for the documents that show the investigation they did in 2 minutes and Im still waiting for those.

My original dispute is protected by the fdic and Im entitled to get my temporary credit till they do an actual investigation. No investigation about this kind of situations are made in q minute. Its impossible.

They just denied your initial dispute to make you file a rebuttal and no apply the temporary credit.

Were thousands of people with this situation
Product: Debt collection

Hello this is XXXX XXXX the consumer and I have enclosed an Affidavit of Truth, a Cease and Desist with demands of I, the consumer, and exhibits as proof of United Collections Bureau , Inc discrimination against I, the consumer. You, United Collections Bureau , Inc, have 15 business days, upon receipt, to respond to and satisfy my demands