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

I received a letter from Asset Care ( Also called Capio Partners ) in XXXX. The letter was addressed to XXXX XXXX XXXX XXXX. I do not have a mailbox at the physical location of XXXX, nor do I get mail at this location. I only get mail to my XXXX XXXX which is XXXX XXXX XXXX. 

I live in a small town and while I eventually received this letter, between the holidays, I didnt actually get this letter till the end of XXXX. 

I have been receiving XXXX XXXX XXXX letters about this debt for years. I have always sent in a debt verification letter at which point I never hear from the collection agency again. I was going to ignore this letter, assuming it was the same old incorrect debt. However, when I logged into my credit report I saw this being reported. Based on that I sent in a debt verification letter on XX/XX/XXXX. I have never heard back from this collection agency. 

I assume this debt is not my debt like the others. I had a debt with XXXX XXXX XXXX from around XXXX which showed up on my credit report, I dont remember the amount. I called the hospital and paid the bill directly in full. The debt stopped showing up on my credit report a few months after I paid the debt in full. I dont recall any other debts with XXXX XXXX , and I especially do not have any unpaid debts. 

In XXXX I started getting collection letters about this debt from XXXX. This debt while similar to mine, is not my debt. And if, which it is not, it was my debt why is it being reported a second time when it was paid. Even if it was not paid why is it being reported with a start date of XX/XX/XXXX when the start date was XX/XX/XXXX and I didnt even receive a letter about this until XX/XX/XXXX? You cant re-report a debt, you cant report a debt twice and you cant report an old debt as new. And again, that all is a moot point because this isnt my debt. 

I would like this debt to stop being reported. I have never received a debt verification letter. They continue to report it on my credit report. And since it appears as a 3-month-old debt it has dropped my credit from XXXX to XXXX. You dont get a credit score of XXXX by not paying debts. This isnt my debt. 

I am attaching all the letters I have gotten, not just Asset Care but asset care if the company in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or  more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to Equifax and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and Equifax ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX with account number 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. 15 U.S.C 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. I have tried to resolve this issue with XXXX, XXXX and TRANSUNION on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Product: Vehicle loan or lease

I have had a GM Financial loan for many years. I have always paid by check. Over the last 2 years, GM was making it very clear they were trying to eliminate paying by check- they first mailed out my billing statement with only 4 days to spare before my due date. So for the last year I have gone paperless and printed out my statements 2 weeks in advance. I have mailed my check on time for 4+ years - never missed a payment or was late - all by check. This month, XX/XX/XXXX - my due date- they have not cashed my check. I mailed it 12 days ago and all the other bills I mailed out received and posted payment. I know they have received it, they've received my checks for 4+ years. So I called on XX/XX/XXXX and asked why they haven't cashed it. They claimed they never received it. I asked to speak to a manager, they wouldn't let me talk to anyone. Today, XX/XX/XXXX, I went on their online chat - spoke to XXXX. She would not address where my payment was, only referred to last month 's payment. I asked to speak to manager, she put me on a 792 minute wait time. They won't address anything, won't let you talk to management and are lying. This is my credit, this is my life they are messing around with. I want them to be held accountable for their negligence and damaging people 's credit.
Product: Credit reporting or other personal consumer reports

We went to the office to terminate the contract and they were aware of us leaving. We were on a month to month lease so we were able to terminate if we gave notice. They sent us to collections for over {$15000.00} even though we finished our lease and gave notice. 

I have tried calling them multiple times and left voicemails asking for the lease agreement and confirmation of us terminating our agreement, and we have never received a callback. 

I have copies of all our payment receipts that were always on time and can provide those if needed. 

This is causing us financial distress and we will pursue them legally due to this preventing us from renting or buying a house.
Product: Checking or savings account

I talked with Supervisor from customer service XXXX who said my account status changes. Wouldn't explain why. Told him the XXXX deposit was money towards burying my brother and my job pay was yesterday. I needed money groceries and gas. Nothing. This is cruel and unprofessional. They won't give me a date of release!! I'd like to complain
Product: Credit card

I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.
Product: Credit card or prepaid card

To begin, I received multiple offers from TD Bank credit card services this year. XX/XX/XXXX of this year I finally gave in, and decided to see what TD had to offer me. The pre-approval code and notice received stated this would not impact my credit score. When going through the process it then indicated should I proceed it would impact my score. At that point, I ceased from continuing with the TD online process. However, I received a letter from TD Bank thanking me for my interest, and requesting that my application has not been completed. Furthermore, the letter states that there is more information needed in order to complete the application and make a decision. Concerned, I called on XX/XX/XXXX, and spoke to a courteous TD Bank representative XXXX approximately noon. I raised my concern that TD Bank did in fact impact my score, and report to the uncompleted process to the credit bureaus creating a hard inquiry. Unfortunately XXXX did not have the power to remove it from the bureaus. Needless to say however a point worth mentioning I take my credit & scores very seriously. I want this TD Bank inquiry removed immediately. My faith in the CFPB 's effectiveness when dealing with creditors, and legal professionals over the years sadly has waned. Which is why I will be also filing a complaint with FCRA. Without a doubt I am livid with the way the three major credit bureaus works more for the banks and merchants then they do with the actual consumers. I hope the CFPB will take this as seriously as I do although I no longer rely solely on the CFPB for proactive intermediary assistance.
Product: Credit reporting or other personal consumer reports

l looks up the details of the account of XXXX XXXX XXXX XXXX To my understanding the first day of late payment of derogatory was XX/XX/2018. 
please help me remove this account. l has tried to contact the lender and they stated they no longer have this account. l has another account with the lender in good standing. 
They stated l have can simply ask for a dispute with Experian. This derogatory is only showing on Experian.
Product: Mortgage

I was forced out of my forbearance in XX/XX/2021 after losing my job due to COVID. I was given until XX/XX/2021 to resume payments. I called to make a payment XX/XX/2021 and was told that it was too late. Since XX/XX/2021 I completed the application for mortgage assistance. Since XXXX, I have submitted every document requested and the mortgage company refuses to process my modification and I have been threatened with foreclosure even though I have been compliant with forwarding the requested documents. 

I have submitted paystubs, bank accounts, tax documents, utility bills and everything else requested to no avail. 

This is causing me undo stress in a matter that is already stressful. I feel that the mortgage company is trying to foreclose on my home because of the equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I am trying to take advantage of the VAs Interest Rate Reduction Refinance Loan, as suggested by my new mortgage company. It has taken several months to complete the process. I have had closing cancelled twice within 24 hours of the scheduled meeting because the company is waiting for subordination approval. I called the bank with the HELOC, and learned that Freedom Mortgage first asked for the wrong amount XXXX {$3500.00} too low ) and the second time, didnt sent the updated request.
Product: Credit reporting, credit repair services, or other personal consumer reports

So after my initial attempt to communicate the issue on MLD Mortgage 's unauthorized inquiry on my credit report, they not only never show any regret or apology for this misconduct but keeps lying about what really happened. Again, I never agreed by any means over the phone for them to pull my credit report. If they have any evidence like conversation recording, I agree here in public that they can use it as evidence in court against me. The reality is, I only asked for a quote over email from the person who called me from their company but she apparently thought abusing the existing client 's private information in their database is something that doesn't really matter. Lucky for me, I am a person who actively monitoring my credit report and have different alerts on all the time. That is the reason I was able to find out their ugly behavior so quickly.
Product: Credit card or prepaid card

I got locked out of my account and there is no way to contact them they only offer a phone number that a auto responder will put you on hold for serval hours then hang up on you they do not offer any online chat service or any other way to resolve any problems with there card I have on hold day and night for a week and I haven't been able to talk with anyone and they have over {$1000.00} dollar 's of my money that I have no access to
Product: Student loan

My student loans, like most other people 's, started repayment back in XXXX. Because of them not doing what they were supposed to do, none of the information showed up to properly repay the loan. I had submitted an application for income based repayment to lower my payments and even after receiving that information they had my monthly payments at about {$250.00}. Needless to say, when I contacted them, they said that was incorrect and my application was not processed. I checked the website multiple times to find out if I was missing any information and based on the website and speaking to a couple different people with mohela, it did not look like I was missing anything. For some reason unbeknownst to me, I had to resubmit my w-2. I did what I was supposed to do again and my payments were lowered to about {$60.00} a month. They told me that I did not have to pay my loans back until XXXX and then they told me I had to pay in XXXX. Because of that misinformation on their part, my budget was not ready to start repaying that loan until XXXX. When I called mohela, the woman I spoke with told me that I could file a forbearance in order to cancel my payments for a few months while I got my finances in order to budget paying this loan again. My forbearance application was filed in XXXX and it is now almost XXXX with no information from them, except constant emails about me having missed payments. I have called Mohela about six times since XXXXXXXX XXXX application was filled out. Each time I speak with them someone tells me something different. One woman told me that I was missing information and she had to transfer me to the correct department. The correct apartment told me I was not missing any information and that Mohela just has not done anything about my application. Another time I was told it could take 90 business days for them to even look at my application. I think it's funny that I'm expected to do everything on time or else but they can't even process my application in a timely manner 90 business days is outrageous to have to wait for an application to be approved or denied as there are only about 20 business days in a month. Every single time I call them I am literally waiting on hold for at least 45 minutes just to have somebody tell me that there's nothing more than I need to do. I don't understand how I have missed three payments and they can send me emails about that, but they can not process my forbearance application. I only needed a few months to get my things in order but now I'm about {$200.00} overdue because they can't either accept nor deny my forbearance application. I'm not the only one having issues and I think this is ridiculous that there's nobody on our side to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Medical XXXX Balance : {$200.00} ; Medical XXXX Balance : {$170.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$420.00} ; Medical XXXX Balance : {$100.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$600.00} ; Medical XXXX Balance : {$490.00} ; Medical XXXX Balance : {$850.00} ; Medical XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the XXXX investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
Product: Checking or savings account

My landlord was attempting to cash a check that I had written to him. Per Bank of Americas automated process I was contacted via text message and email asking to verify that I had written this check. 

An email I received stated that I had until Friday, XXXXXXXX XXXX XXXX EST to verify the check. 

I also received a text message on XXXX XXXX XXXX XXXX stating that I had until XXXX XXXX  the next day ( which means it would be due by XXXX XXXX EST XXXX ) again, confirming what was written in the email. 

I verified the check at XXXXXXXX XXXX XXXX. I was then instructed to contact Bank of America, which I immediately did. I was told by both the customer service representative and her supervisor that it was my fault that I did not verify the check sooner and that there was nothing they could do as the funds were already being re-deposited into my account. When I explained to them that there was written documentation/proof/instructions that I had until XXXXXXXX XXXX XXXX XXXX they did not care I did not provide me a solution. They kept reporting that I had received a text and email which again, I confirmed that I had. I employed them to understand that the content of the messages I received gave me instructions to follow which I did bye-bye. They again, told me it was my fault and could not provide an explanation as to why following their instructions was my fault. 

This caused my check to bounce and leave me in poor standing with my landlord. I did not do anything outside of following the written instructions. I was provided multiple times by this institution. And when I abide by the rules, they sent me I was still told that it was my fault. 

I dont feel safe, dealing with a financial institution that doesnt adhere to the written instructions ( that are legally binding ) they provide their customers and plays with their money however they seem fit.
Product: Credit reporting or other personal consumer reports

I've been writing XXXX, Experian and XXXX since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.