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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capitol one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer ( EFTA ) as it required timely access to funds. This situation raised concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Debt collection

1. On XX/XX/2018, I sent an initial letter to Receivable Management ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified Receivable Management that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to Receivable Management 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and XXXX credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), Receivable Management did not furnish neither XXXX  nor XXXX  with the required disclosure within the period required by law. Receivable Management is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, Receivable Management violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that Receivable Management delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.
Product: Mortgage

I have lost the numbers of complaints that I had placed against Select Portfolio Servicing, as a senior manager for a law firm and trying to get my modification and others to no avail, the consumers are beginning also to loose faith in the Protection that your Bureau gives to Consumers. 
Attached one more time the lies from XXXX I have submitted my loan modification packages three times and never XXXX has even uploaded my documentation to review me for a loss mitigation possibility. See Exhibit A, the lies I did not provide documentation on a timely matter. Not once in the time that I have been trying to modify my home XXXX has sent me any letters requesting additional documentation. They create them the same as XXXX XXXX XXXX does just to comply with regulations that you are allowing them to continue. Please as the only hope for homeowners as myself see attached documentation and question SPS consistent and repeatedly misconduct in violating RESPA 1024.41.
Product: Debt collection

A representative of Diversified Consultants Inc. called on my personal cell phone number attempting to collect a debt - $ 400+ on behalf of XXXX XXXX. I have never had XXXX XXXX or had any dealings with the company. When I challenged the representative, she responded, " oh, you've got a common name ; this must be another XXXX XXXX ''. It is troubling that the debt collector contacted me with only one piece of matching information - name. I have never lived at the address for the account and, obviously, none of my other personal information would match this other person. I am also bothered that the debt collector reached me on a personal cell phone that is not listed publicly. 

It is my understanding that many of the rights provided by the federal Fair Debt Collection Practices Act are afforded to any person, and not just the person who owes the debt. I have blocked the phone number that Diversified Consultants called from. Is there any other action that can be taken to ensure that I do not receive this type of call going forward?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Student loan

PSLF forms were mailed to Mohela on XX/XX/XXXX and I had applied for consolidation. US Department of Education instructed us to send Employment Verification for PSLF to Mohela even if they were not our current servicer. Mohela processed that form on XX/XX/XXXX but because my consolidation hadn't been approved or they didn't have my account yet, nothing happened. I reloaded my employment form and they processed it XX/XX/XXXX and it wasn't approved until XX/XX/XXXX. What happened between XXXX and XX/XX/XXXX? As of XX/XX/XXXX, there is still no tracker on my account showing how my prior payments were credited. What was " processed? '' Correspondence from Mohela on or about XX/XX/XXXX, I was told 30-45 days after the application was processed I'd see a tracker. We're now nearly 60 days and nothing. All responses to inquiries are generic and trying to call them requires hours of time and then calls disconnected. 

Help!!
Product: Consumer Loan

On XXXX XXXX, 2016, I contacted XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX NM XXXX. Through their website I applied for an auto loan for a used car. A short time later I received a call from XXXX XXXX. XXXX said he was employed in the Finance department at XXXX XXXX XXXX XXXX. He said " You 're approved for an auto loan '' with us. He mentioned payment amounts with a wide range. Since I had not yet specified a vehicle, I could not figure out how he could quote me payment amounts. Regardless, I told him I would review the financing offer, continue looking at this inventory, and let him know. 
After several hours when I had not gotten the financing offer, I reached out to XXXX XXXX again via email to find out what the delay was. I received no answer. The next day when I still had gotten nothing, I reached out to my salesperson, XXXX regarding the financing offer. She responded that she would have XXXX XXXX send me the correct info. He did n't. Since the date on which I applied for credit, and today, its ' been more than 10 days. During that time I have requested the specifics on the financing no less than 12 times!!! I have asked verbally on the phone, via email from both XXXX and XXXX and via their chat service. As of now I have NEVER gotten anything verbally or in writing to tell me what the results of my application for an auto loan was. As of this morning I have stopped trying to obtain this information from the dealer and have elected to file complaints regarding their deceptive and illegal financing practices. As far as I am aware, whenever a consumer in the USA applies for credit, they are to be provided, upon request, the information related to the outcome of the application. If denied, there must be a way to request the reason for the denial. If approved, the consumer must be provided with the information to make an informed decision, i.e. interest rates, financing company, additional fees if any, etc. NONE of that information has been provided despite more than a dozen requests to do so. 

Please feel free to contact me for any additional questions or info you need to move forward with this complaint. I can provide copies of the emails we have exchanged back and forth with my numerous unanswered requests for information. 

Sincerely, XXXX XXXX
Product: Debt collection

Account # XXXX Ive sent Kohls/ CAP One a letter on XX/XX/2023 via certified mail and it was returned ( Insufficient Address ) ( XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. Please see supporting documents enclosed. 
My repeated attempts in order to have this deleted off my credit report have been wasted. I was forced to send this letter certified in order to prove that Kohls/CAP One is being deceptive by 1 : By putting the wrong address on my credit report in order to prevent me from disputing it via mail that displays KOHLS/CAP ONE using deceptive practices. They only want to call me on the phone. Ive advised that all communications will have to be by mail. I have yet to receive any communications. Ive pulled my credit report in an attempt to get their address in order to have this debt removed from my credit report and everything has been sent back. Please see the attachments Ive attach to prove that.
Product: Debt collection

Paid debt on XX/XX/2016. There is no law REQUIRING a debt collection agent to keep a debt on a credit bureau file once it is paid. I have had several removed already, but Meade and associates will not remove a paid file from the credit bureau. They insist on keeping it on their and it reflects as derogatory credit. There is no LAW requiring this. This is the only company who has refused to do this.
Product: Checking or savings account

BB & T closed my account and told me on XX/XX/2020 that a check was timestamped and sent out to me at my address on file. 
They told me to wait 7-10 business days and it never arrived. I called them to ask them 3 times to trace the check and instead of tracing it, like most banks would, they told me they would call me back 3 times. The check never arrived.
Product: Credit reporting or other personal consumer reports

XXXX I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Checking or savings account

I made 3 large deposits into bank of america, they explained they had to call my Clients XXXX once it cleared I would be set to go. They sent letters to my residence of when funds would be released onl ; y for them to resend me letters extending the hold. 

1st incident XXXX XXXX I deposited the first check for {$21000.00} they flagged it. I was OK with the hold until they decided to extend it yet additional days even after it clearing from XXXX. 
They spoke to my client and gave him their word they would release the funds and held on to them, this caused me fines with my employees and made me fall behind on my projects and lose employees. I felt this was was due to my ethnicity. 

2nd incident It happened yet again on another deposit XXXX XXXX with funds released the XXXX after assuring me they would be released XX/XX/XXXX. 

3rd Incident XX/XX/XXXX clearing the XXXX this is in total violations of my rights!
Product: Credit card or prepaid card

I received sudden emails from Citi bank credit card department that they have lowered my credit limit due to the followings : -Your payments were low on one or more of your accounts with us. 
-Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-One or more of your accounts shows a late payment or bad check with us. 

Even though I knew that none of the above are correct, still I reviewed my credit reporting and ensured that, - I have always paid my payment in full, if not more. 
-Based on the XXXX  , which is the credit bureau that Citi based their decision on, is only stating that I have used XXXX  % of my credit. 
-All of my credit payments were made on time, except one that I only paid couple of days late, which was not delinquent i.e. 30 days late. For which, I thought bank might have a grace period, which they didn't and paid the late payment fee. 

I talked the citi bank credit department rep, and she stated that she doesn't see any late payment in the sense that I paid 30 days late, and even she was surprised as why this happed. She submitted a credit limit reinstatement, but the credit department / underwriting didn't bother to review it and reinstate my credit limit and stated that they cant change their decision. 

Citi bank 's decision can impact my credit negatively and it could ruin my credit with other company. I have been working hard to keep my credit in a good shape and have never had any late payments, or credit limit drop in my life, except this one that is entirely unjust, unfair and completely discriminatory as I couldn't find any actual reason for their action.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX  : ACCT XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy I contacted Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit card or prepaid card

I received a letter from MRC regarding a collection on a credit card that I have never owned.
Product: Debt collection

XX/XX/2020 someone stole my identity and rented cars from XXXX, XXXX, and XXXXXXXX XXXX the police caught the person in the rental car and XXXX prosecuted the person and worked with the detective on my case XXXX XXXX is the offer number who worked the case and almost 2 years later XXXX sends me to collection trying to collect a debit that I do not owe
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I received a notification on XXXX  stating my account balance had increased. I had no information from the bank or letters/ statements claiming of any unpaid amount or balances. I check on my account all the information was accurate and did not reflect any information claiming to be unpaid.
Product: Credit card or prepaid card

I AM SO FURIOUS WITH BLOOMINGDALES CREDIT CARD. MY BLOOMINGDALES CREDIT CARD LIMIT WAS XXXX AND DURING THE PAST 6 MONTHS OF USING MY CREDIT CARD RESPONSIBLY AND PAYING MORE THEN MINIMUM PAYMENT REQUIREMENTS, BEING SUCH A GOOD CUSTOMER CLOSED MY ACCOUNT FOR NO REASON, AND ALSO HURT MY CREDIT SCORE FOR THE CLOSURE OF THE ACCOUNT. I HAVE PAID OVER 2000 $ IN CREDIT CARD PAYMENTS THROUGHOUT THE 6 MONTHS IN WHICH MY ACCOUNT WAS OPENED, MULTIPLE PAYMENTS IN A MONTH, USING AND PAYING RESPONSIBILY. SO UNFAIR THAT THEY CLOSED MY CREDIT CARD BEING A GOOD CUSTOMER, PEOPLE STOP PAYING THEIR CREDIT CARDS FOR 4 5 MONTHS AND THEY DONT CLOSE THEIR ACCOUNT, YET I HAVE BEEN A GOOD CUSTOMER PAYING MULTIPLE PAYMENTS IN A MONTH AND USING RESPONSIBILY THEY CLOSED MY ACCOUNT AFTER HAVING A GOOD HISTORY WITH THEM. AND THEY DONT GIVE A LEGITIMATE REASON AS TO WHY I DESERVE TO HAVE THE ACCOUNT CLOSED, WHEN I HAVE BEEN SUCH A GOOD CUSTOMER.
Product: Student loan

Nelnet has not applied payments correctly, Case No : XXXX launched with FAFSA has not been addressed in over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2022, I sent XXXX, transunion and XXXX a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from there database. 

I then went back to XXXX, transunion and XXXX on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX  informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Product: Debt collection

WayPoint is in clear violation of the Fair Debt Collection Practices Act. Section 1692G ( a ). WayPoint has sent me a dunning letter on XX/XX/XXXX. I requested validation of debt on XX/XX/XXXX. As of XX/XX/XXXX, WayPoint did not provide validation of debt, but still to reported the debt to all three credit bureaus in attempt to damage my credit worthiness. 

I have attach the copy of the letter that was sent via U.S. mail.
Product: Credit reporting

I had a credit score with Equifax of XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I have a credit score of XXXX. The only thing that has changed is my address. These people at Equifax took XXXX points away from my credit due to I changed my address. Hey I would like to file a lawsuit and actually received some proper resolutions from the consumer credit agency. This is crazy. I want justice and I want it today. These people can not take XXXX points off of my credit due to I changed my address. What XXXX is really going on here. Please ask this Equifax credit agency why are they taking XXXX points away from someone XXXX credit score because they change address. All of my bills have been paid on time, nothing late and nothing has changed except my address. They need to give you, me, somebody a explanation of why they took XXXX points off of my credit and all I did was change my address. Is someone trying to buy something I do n't know about. They need to reveal why they took the XXXX points, or else put them back today. XXXX XXXX XXXX