23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. If they indeed have an address on file for me, then the information requested should have been provided. This company stated in a claim that the account in question was sold off at auction and an Explanation of Calculations of Surplus or Deficiency was sent to a last known address. I requested more information to verify the debt amount and information of their claims and they have not done so. I do believe that upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. In a statement, said company stated an agreement of {$220.00} biweekly with a final payment of {$220.00}. I am requesting that they provide me with Legal Documentation of the Federal Truth in Lending Disclosures, showing the annual rate, financial charge, total sale price, number of payments, the payment amounts, when they begin and was due to end. I would also like proof of the NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed as two different amounts were mentioned in their last statement. I stand on my original statement that this debt isnt valid. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. The statement below is the statement that was issued during my last attempt to reconcile this issue. On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( NOI ) letter to her address on file. The NOI letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.This debt is invalid and I have I have never received any of the letters they say were sent I am requesting that they provide me with Legal Documentation. 

Thank you,
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2019 and 30 days XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.
Product: Prepaid card

In XXXX, I notified Vanilla Gift Cards that XXXX {$500.00} cards I had purchased at XXXX XXXX  XXXX, MN, had been tampered with and were unusable due to fraudulent activity. I sent documentation of my purchase and of the scratched off security codes on the cards and requested replacement. Initially, they sent XXXX {$500.00} replacement and XXXX {$0.00} replacement cards. I called and emailed several times about the mistake and each time I was told theyd erred and would send the XXXX remaining replacement cards. Nearly XXXX months later, I am at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from experience. It stated my credit score could be increased by looking into my monthly payments paid on a regular basis.

I signed in. The program looked at my payment statuses and pretended like it had increased my credit score. Searching my credit score on credit car a, it did not change. 
Without my knowledge or consent my credit card was charged {$21.00}. 
I did not like it but accepted the fact that I got screwed. Then again the next month I was charged {$21.00} again. I did not know why. It turns out that was signed up for some unknown to me program. 
I logged into the acct to cancel as their phone message stated I could do. There is no way of doing so plus they blocked any online chat. 
On the phone the auto response stated they did not have enough information on me to continue any further. 
I see this as a deliberate fraud from the very beginning and believe I deserve my money back and experience does not deserve to be in the credit reporting business. 
Please take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # XXXX The business that provided the information in question has 30 days from the date you submitted your request to respond back. No response has been received. The Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. 

The first initial response was XXXX and now it is XXXX. 

XXXX XXXX XXXX XXXX IS REPORTING UNVERIFIED DATA THAT I DID NOT GIVE THEM PERMISSION OR MY CONSENT TO DO SO.
Product: Debt collection

I have continued to diapute this company i have had a fraud allert for years on my report as my info was stolden uet they keep reporting debt thats not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Product: Mortgage

Home loan paid off We paid our loan off in XX/XX/2019. 
Bank of America confirmed that the loan was paid in full. 
We sent instructions to Bank of America in writing to stop auto payments. 

Bank of America continues to withdraw payments, sending us a letter that the withdrawals are in error and then to refund the payments. 

I talked to Bank of America staff in XX/XX/2019 to request again that withdrawals stop. 

Bank of American continues the errors : XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error Today I called again to request that Bank of America stop the withdrawals ; so far, no staff can assist me. 
I have called XXXX ( customer service ) ; XXXX ( mortgage ) ; XXXX ( online banking ) Please send me confirmation in writing that addresses the errors and confirms that no more withdrawals will be made in error.
Product: Debt collection

I recognize the significance of eliminating any XXXX entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX to me.
Product: Checking or savings account

Chase Bank Customer Service Department Subject : Request for Account Reopening Dear Chase Bank Customer Service, I hope this message finds you well. My name is XXXX XXXX, and I previously held a checking account with Chase.

I am writing to respectfully request the reopening of my account, as I have taken the necessary steps to comply with your policies and guidelines since its closure.

I understand that accounts may sometimes need to be closed under specific circumstances.

However, I want to emphasize that my account did not have any outstanding balance or fraudulent activity at the time of closure. I have adhered to Chase 's policy regarding the waiting period and believe I am now eligible to reestablish my relationship with your bank. 
Chase has always been my preferred banking institution due to its excellent customer service, accessibility, and comprehensive financial products. I greatly value the opportunity to continue banking with Chase and appreciate your consideration of this request. 
Please let me know if there are any additional steps or documentation required to proceed with reopening my account. I am confident that I can demonstrate my commitment to maintaining a positive and responsible banking relationship moving forward. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX ssn XXXX
Product: Credit reporting or other personal consumer reports

I have sent letters over and over again to Transunion to please open my credit file so that I can see it, I have yet to do so. I am not able to view my credit report with TransUnion. I ask the CFPB to please ask TransUnion to open my credit file but they have flat out refused. Each time I go through all the steps it tells me at the end they can not do my request at this time This is plumb crazy. They have flat out refused to open my credit file.
Product: Credit reporting or other personal consumer reports

I already request the account ( XXXX XXXX  ) in the amount of {$1700.00} to be removed from my report as it does not belong to me. I'm not sure if the account is a Credit Card account or personal loan. I just know it does not belong to me. I have also dispute it with the company as well. I recently submitted a complaint for removal two accounts. One was successfully removed. But the XXXX XXXX  still remain on my report.
Product: Debt collection

On XX/XX/23, I sent a certified letter of validation of debt ( I can provide reciepts and tracking number as needed for proof ). The contents of the letter is stated below : To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

Furthermore, I am requesting you to provide the following items as follows : Send me a detailed list of the history of payments made by me on this account Show me the signature that I put on the contract that states I agreed to pay you Show me any and all insurance claims filed on this debt Provide me with the chain of title that authorizes you to collect on this debt I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you. 

They have negatively reported a false balance on my XXXX credit report for an account I have no knowledge of. I attempted several times to dispute this collection with the credit bureau to no avail. This company has refused to respond to my letter of validation of debt and is continuing to falsely report a collection that I do not own. 

I am sending a second certified letter today demanding they remove this false collection from my report immediately for failure to respond to my original correspondence sent XX/XX/23.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021, my mother died. That same day, I called Bank of Hawaii to attempt to close the account I jointly had with my mother, Acct # XXXX. The phone representative told me that if I don't want to visit a bank branch, I'll need to mail a copy of the death certificate along with a request for account closing. 

As instructed, I mailed in a copy of the death certificate, along with a request to close the account. 

On XX/XX/XXXX, I received an email from XXXX XXXX at XXXX, telling me I need to personally bring the original death certificate to the branch in order to close the account. 

On XX/XX/XXXX, I brought the original death certificate to the XXXX branch, requesting to close the account. XXXX XXXX told me that she " can not do anything '' because the death certificate is lacking a doctor 's signature. The certificate is signed at the bottom right by the registrar of the XXXX death registry, but XXXX XXXX insists that it needs to be signed by a doctor. 

This is an original death certificate, the only one I received from XXXX XXXX XXXX, and the one I've been using for dealing with government agencies and many offices. XXXX XXXX is the first person to not accept the death certificate. I am attaching a photo of this death certificate. 

I am simply trying to close an account. It seems unreasonable not to accept an original death certificate for this purpose. Additionally, I am unsatisfied with the need to visit crowded XXXX branches in person during a pandeic when other banks allow account servicing by mail.
Product: Mortgage

Independence Home Loans, XXXXXXXX XXXX XXXX XXXXXXXX based in XXXX AZ has been sending me misleading communications which at this point constitute harassment. They send out alarming mailers which imply I'm late for a payment on my mortgage, while their fine print suggests they are trying to get me to refinance out of my VA loan in Georgia. I have called this company four times to demand they cease communication, and they have promised me each time on the phone that they would stop, however, they continue to send me alarming notices in the mail which, when opened, are misleading solicitations which are a hair 's width away from impersonating the VA. They are unwilling to stop communicating with me despite repeated attempts on my behalf for them to stop calling/ mailing me. It says VA Loan all over their literature many different times, with a small fine print disclaimer at the bottom which altogether gives the impression that they ARE affiliated with the VA. This is predatory behavior targeting older citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Product: Credit card

On XXXX at XXXXXXXX XXXX  I called Dignifi XXXX XXXX ( XXXX ) XXXX to settle my account balance of {$3200.00}. I asked the young lady if I could make payments online and at first she said no I only had the option to mail in my payments. I asked if I could get a letter of deletion prior to making the first payment and once the account is paid in full can they honor the letter of deletion. She said no. She said my only option was to send a letter of dispute to them after the account was paid off and they would either update it or delete it but she couldnt guarantee it. I expressed that XXXX calling in good faith to honor my debt, that I am requesting that the Charge Off from my account be removed from XXXX, XXXX, XXXX, XXXX XXXX  and Innovus because it will continue to prevent me from obtaining housing, employment and establishing good credit. She then said I could make payments online. I then asked to speak to her supervisor and she then transferred me to him. His name was XXXX XXXX # XXXX. He said I couldnt pay using my checking account, autopay, XXXX, Debit, Credit Card or XXXX. I told him the lady prior to him said I could and I could do it using my online account. He no that all of those payment options were XXXX which I said he XXXX them while I was on the phone with him because I heard him typing as I asked if I could use either alternative payment option. He said I only can pay by mail using a check, cashiers check or XXXX XXXX. I said I will not send my personal account information to them via mail. I told him theres no way a company in this century is not able to take electronic payments. He said it was because my account is a XXXX XXXX account and thats why my payment options were XXXX. I asked for his corporate office Address and information, he said he didnt know it. I asked for his Headquarters address and information he said he didnt know it. I asked for the name of the XXXX department of his company that handles delinquent accounts he said its called XXXX Department and he didnt know the phone number to the department or address and I nor anyone externally can contact them by phone only by mail. I asked can I get a letter of deletion so I can start paying my account and he said no they dont have anything like that. I expressed that XXXXXXXX XXXX XXXX XXXX XXXXnd what theyre asking me to do didnt sound ethical. I believe they treated me very unprofessional and were very rude and would not offer me any assistance whatsoever and would not agree under any circumstances to remove this account from my credit reports. I would like for it to be removed immediately.
Product: Credit card

My husband ( primary account holder ) was scammed by a taxi driver at the XXXX XXXX. He took a taxi ride from one terminal to another on XXXX. He paid with his Wells Fargo card and was told his taxi ride would be XXXX XXXX. They said he could not have a receipt because the machine was broken. He agreed to the charge at the time ( please note that the sign for XXXX  and dollars is the same! ). Instead, of XXXX XXXX, which is about {$20.00}, he was charged {$440.00} and charged twice ( {$440.00} and {$440.00} ) on his Wells Fargo statement. We immediately disputed these claims with Wells Fargo. They are reaching out to the merchant for one of the charges as it was fraudulent, {$440.00}, because they say no service was rendered for that charge. For the other charge, {$440.00}, they are claiming that it is a disputed transaction and not fraud because the driver did in fact provide us a service. While we explained that we agreed to the XXXX XXXX  charge, we did not agree to pay {$440.00}! We tried to reach out to the merchant directly for proof, but they are not responding. Wells Fargo is saying that because there is no receipt for confirmation, they can not escalate the dispute to XXXX and there is nothing else to do. Upon further investigation on the internet, the merchant, XXXX  has known to run similar scams for many people in XXXX, oftentimes involving taxis. Wells Fargo is saying we will need to pay the {$400.00} in this case because we do not have a receipt of our purchase and there is nothing else we can do.
Product: Mortgage

This complaint about Oceanside mortgage company.They sent a letter to me stating my escrow account was short $ XXXXsent check in they cash the check per my bank statement XX/XX/XXXX XXXXMy next house payment was suppose to be {$810.00}, but was for {$1000.00}, this shorted me on my electrical bill.Call Oceanside they would send a check to me for the they overcharged, stated i would get the check two weeks. no check came.Now it XXXX called Oceanside, they stated the would only pay the {$210.00} dollars back if I sent copy of my back statement, letter head of the back ect.I ask why do i have to prove that i sent the check and you cash it.They said its that there policy.They cost me time effort a late electric bill fax money, just to prove they cash my check..this is not common sense
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXXXXXX 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  Account Number XXXX Open Date XX/XX/XXXX Balance : {$330.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XXXX, XXXX NOT included in Dispute : XXXX XXXX XXXXXXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$17.00} Late/Open XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$5.00} Late/Open
Product: Debt collection

I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.