23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is the second complaint about the issue. The original complaint ID # XXXX. The bank is Old National Bank, and the account number was XXXX. 

I initially tried to close the account in person, but an action reopened it. Then, when I had it closed additional charges came in to reopen the account. After my initial complaint ( ID number provided above ), a representative from the bank called and worked with me over the phone. However, the account is not closed. I received a bank statement XX/XX/2022. I called the bank ( phone number from initial contact ) to state the account is still open and charging fees. It is now XX/XX/2022 and it is over 4 months since I tried to close this account. ] No one has called me back from the bank, nor has anyone actually closed the account as requested since XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX  XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

I requested to be removed as an authorized user on XXXX XXXX XXXX card through their online chat. I have tried to remove the account from my credit reports, but the dispute claims the information is correct.
Product: Mortgage

Wells Fargo is claiming ownership and servicer of this alleged security deed, loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
Wells Fargo forced me to submit a Completed Loan Modification Packet on XXXX XXXX, XXXX without Wells Fargo VERIFYING AND VALIDATING THE ALLEDGED DEBT THEY SAY I OWE I did not receive this information prior to me giving them my information because they scheduled a foreclosure for XXXX XXXX, XXXX I disputed Wells Fargo debt with the credit bureau agencies and they removed Wells Fargo loan payment as XXXX in XXXX and they stop reporting and closed the account..I was alerted by the Credit Bureau agencies recently that Wells Fargo re-inserted XXXX , past due balances of XXXX, stating that I owe XXXX per month from XXXX XXXX thru XXXX XXXX 

Wells Fargo are mandated under " FDCPA '' to verify and validation of the original Note and Mortgage Trust Deed. The Demand for payment along with the supporting documentation has been falsified which misleads the courts and Federal regulators with fraudulent documents as per guidelines of the XXXX XXXX and The Amended OCC XXXX Consent Order, Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; 1. Article IV - Compliance Program 2. Article VIII - Management Information Systems 3. Article IX - Mortgage Servicing 4. Article XIII Any modification agreements that were executed with security deeds under FHA/HUD/VA and were placed in XXXX XXXX Pools which did not follow XXXX XXXX guidelines is null and void per the regulations of XXXX XXXX Mortgage Backed Securities. This policy is under XXXX XXXX Documentation Requirements for Servicing of Modified Loans in MBS This letter requests VALIDATION AND VERIFICATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. The Affidavit that 's MANADATED UNDER THE OCC XXXX CONSENT ORDER I requesting for Wells Fargo to please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated to date 4. Provide copies of any papers that show that I agreed to pay the alleged debt with my signature that follow XXXX XXXX GUIDELINES 6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds 8. Provide evidence that the Statute of Limitations has not expired on this account PER FCRA AND NATIONAL BANKING ACT 9. Provide evidence that you are licensed to collect in my state. 
10. Provide in the AFFIDAVIT you have not violated the National Banking Act ; 29. The Power to Hold Real Property
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

On or about XXXX XX/XX/XXXX American Express offered me a bonus of {$100.00} if I referred a family member or friend for the XXXX XXXX and they were approved. On XX/XX/XXXX a relative, XXXX XXXX, applied using the link provided by AmEx in their e-mail. XXXX 's XXXX XXXX application was approved. From the experience of XXXX years with AmEx, I know that bonuses are posted within a few days. After a week, my bonus did not appear. I used the chat function to inquire and was told by a CSR that it takes 8 weeks. After 8 weeks I again inquired via chat and the CSR said she would submit an inquiry to be handled expeditiously. After another week, no results. The CSR then lied to me and stated that AmEx never has a referral bonus for the XXXX XXXX. After another week, I again used chat and the CSR said she'd initiate an inquiry. A week later, no response. Yet  another inquiry via the online chat and a week later still in response. About XX/XX/XXXX, I spoke with a CSR on the phone. He explained that previous inquiries were incorrectly submitted. He also stated that it is completely false that AmEx never has referral offers on the XXXX XXXX. He stated he would submit a new inquiry in correct form and would have it handled expeditiously. As of today, no results. 

Further, XXXX XXXX has confirmed with AmEx that their card does have the applicant 's portion of the referral bonus ( {$500.00} bonus for {$30000.00} spend w/in 90 days ) attached to their account so it would be dishonest for AmEx to claim that the account was not opened up via my referral. 

This referral bonus would have served to reduce my upcoming XXXX annual fee. With AmEx 's  competence and integrity in question, I decided to cancel my XXXX XXXX as there is no reason to believe AmEx would fulfill their contractual obligation over the referral bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that the item being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX
Product: Checking or savings account

I called  Chase  customer service department  XXXX  about my checking account because I wrote a check #  XXXX  for {$240.00} and the bank processed as {$540.00} creating a negative balance on my account and I have no access to my money. I spoke to a supervisor and he said even though it is a bank error they have to wait  XXXX  days to get the credit back to me. is a terrible customer experience and it did not take the bank  XXXX  days to take the incorrect funds from my account. Now I am wondering if they have made this same issue with other checks I have written. Another issue I have is at the beginning of the call a message indicates the call  may be recorded but when I told the representative they transferred me to in their executive complaint department thatI was going to record the call, he told me I could not record the call because it was against their policy. Why are they allowed to record but   the customer is not?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a representative about the promotion, asked to not have my credit pulled and was told there would be no hard pull on my credit, and indeed they did pull my credit, without authorization. Called the company directly to dispute and they said that I gave verbal authorization, I asked for proof of agreement and they had none, yet they refused to remove the hard inquiry.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX XXXX IS NOT A REGULAR DISPUTE, I am a victim of identity theft and did not open these accounts. More specifically, my social security number was compromised and used to open these fraudulent accounts. These accounts are now being furnished onto my credit report without permissible purpose, consent, or my knowledge FOR THE THIRD TIME. 15 USC 1681c-2- ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ''. I appreciate your due diligence and assistance in remedying this situation in advance. Please NOTE : This account was previously reported as identity theft and blocked from my credit report. No other credit reporting agency is reporting this fraudulent information this is inaccurate and is in direct violation OF MY CONSUMER RIGHTS! This time, I am fully prepared to move forward with litigation, FOR WILLFUL NON-COMPLIANCE. The next letter will be a request for payment of invoice. I DID NOT GIVE PERMISSIBLE PURPOSE FOR THIS NEGATIVE FRAUDULENT INFORMATION TO BE FURNISHED TO MY CREDIT REPORT!! Block the reporting of the following fraudulent accounts within 4 days, as outlined in the Fair Credit Reporting Act to avoid immediate litigation. 
XXXX ( Original Creditor:XXXX XXXX  ) Account Number : XXXX Opened : XX/XX/XXXX Balance : {$420.00} I did not open or authorize the opening of the following account. BLOCK immediately from my credit report. 

This fraudulent account has brought me undue hardships. I have also notified the Federal Trade Commission and the CFPB of this identity theft. I have provided the CFPB report as well as my identity theft affidavit with this letter that will be sent via certified mail for tracking purposes. Understand I am completely prepared to move forward with litigation as this account continues to reappear FRAUDULENTLY on my credit report under different debt collectors. The Fair Debt Collection Practices Act also outlines in full your duty in these instances. Please note I DO NOT WISH to have any SECURITY FREEZES added to my credit report. However, I am aware of my right to do so. I appreciate your due- diligence in rectifying this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX Enclosed with this letter : FTC Affidavit CFPB Complaint Identification Social Security Card Utility Bill Please note, I stated, I DO NOT WISH TO PLACE ANY FRAUD ALERTS ON MY CREDIT REPORT.
Product: Debt collection

I first sent a certified letter to Aafes on XXXX XXXX, XXXX and I received no response. The second letter was sent on XXXX XXXX, XXXX which instructed me to contact XXXX because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted XXXX in XXXX XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you.
Product: Debt collection

In the last XXXX  days I have received XXXX calls from Portfolio Recovery each call from a different phone number. I do not have any debt. My credit report shows NO OUTSTANDING DEBT. They are a scam trying to get my information. I answered once and told them to stop calling. I have tried blocking them, but they just use a different number.I HAVE NO DEBT. I HAVE NO DEBT. I HAVE NO DEBT. 

Attaching several of the phone numbers they use. PLEASE MAKE THIS STOP.
Product: Credit card

American Express applied an illegal Penalty APR to my account while violating both their own agreement and federal law. 
Amex falsely claimed I was 25+ days late on my payments to justify increasing my APR to 29.99 %.

When asked for proof, they could not provide a single instance where I was 25+ days late.

Federal law ( CARD Act of 2009 ) requires a separate, 45-day advance notice before increasing APR.

Amex HID this increase in my monthly statement instead of sending proper legal notice.

When I asked for written confirmation of why my APR was increased, Amex REFUSED to provide it. 

This is predatory lending, and Amex is engaging in deceptive practices to overcharge customers with penalty APRs that were applied ILLEGALLY.
Product: Debt collection

I have been attempting to resolved a matter with Allied Collection Services for several years. They have been assigned to collect a debt for the XXXX XXXX XXXX XXXX XXXX that I did not incur. I have not been able to resolve this matter with them and was eventually advised to file a police report, which I did. They have still not taken this fraudulent item of my credit reports.
Product: Debt collection

XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX
Product: Credit reporting or other personal consumer reports

I told each credit bureau that I had my loan pay off from strike acceptance, and they added that I paid the loan off. Then each credit bureau, they penalized me for being late! In which I was not! This loan has been paid off since XX/XX/year>. Each credit bureau is reporting the same status. Therefore, it dropped my credit down XXXX points... I am trying to put my son in a XXXX XXXX  and own a home, this critically affecting my way of living and progressing in life.
Product: Checking or savings account

I opened an account with UMB Bank through an online application on XX/XX/2020. The bank took my initial funding of {$100.00} and withdrew the money from my XXXX XXXX XXXX checking account. UMB Bank has now locked me out of my new checking account and has provided no way for me to receive a refund of my initial funding of {$100.00}. They have essentially held my money hostage.
Product: Debt collection

Monterey Financial has violated the FDCPA. 
Despite our correspondence disputing a debt they were attempting to collect, they failed to validate the debt as required by law and continued their collection efforts unlawfully. We formally disputed the debt in writing and requested validation as outlined under the FDCPA. Monterey Financial did not provide any validation of the debt, yet they persisted in their collection attempts. This is a direct violation of our rights and has prevented us from resolving the matter appropriately with the original creditor. 
This debt must be returned to the original creditor so we can address our past-due balance directly with them and finalize the cancellation of our contract. Monterey Financial 's interference has complicated the process and caused unnecessary stress.
Product: Checking or savings account

A casino had XXXX withdrawn from my account and I didn't make these withdrawals. I contacted chime and they closed my dispute withing XXXX hours. No investigation was done because I called the casino and got the atm merchants number and they said chime never contacted them about this. I'm shocked and will end up changing banks because of this lack of investigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Likewise, Data provided for sharing purposes must meet legal, regulatory and voluntary code of practice requirements before provision and in use. Subscribers must use data only for purposes for which the required form of consent has been given. Please remove this account from my credit report. 

COMPLAINT 1 On XX/XX/XXXX, the sale of the property located at XXXX XXXX XXXX was executed and paid in full. On XX/XX/XXXX, my account was reported to all three-credit bureaus as 30 days delinquent. I am disputing this information and requesting this account be removed from all three credit reports due to the multiple reporting errors identified in this complaint. 

COMPLAINT 2 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to XXXX on time payments for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

COMPLAINT 3 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to XXXX on time payments for the following month : XX/XX/XXXX. 

COMPLAINT 4 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to XXXX on time payments for the following month : XX/XX/XXXX. 

I have attached sufficient evidence to support the disputed claim. 

1. Copy of Consumer Credit dispute 2. Payoff Quote through XXXX XX/XX/XXXX 3. Proof of Wire Transfer Respectfully, XXXX XXXX
Product: Credit card

Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX, XXXX, {$4600.00} Acct : XXXX XXXX XXXX  XXXX, {$2700.00} Acct # : XXXX XXXX  XXXX XXXX, XXXX, {$880.00} Acct # : XXXX XXXX, XXXX, {$420.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX, {$630.00} Acct # : XXXX XXXX XXXX XXXX, {$1100.00} Acct : # XXXX XXXX XXXX XXXX, {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} Acct : # XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Acct : # XXXX XXXX  XXXX XXXX  XXXX, {$650.00}, Acct : # XXXX XXXX  XXXX XXXX  XXXX, {$680.00}, Acct : # XXXX XXXX XXXX ASSOCIATES XXXX, {$1000.00}, Acct : # XXXX XXXX  XXXX  XXXX XXXX XXXX {$690.00}, Acct : # XXXX ; has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an 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 information. Any other adverse items 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.