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

I have disputing on the cfpb with Experian. They refused to follow the laws set by FRCA. XXXX XXXX has removed the accounts that has violated my rights. Is this the only credit reporting agency that follow the laws. They stated that my credit report investigation is 100 % accurate. I am not asking for my accounts to be verfied or accurate. I am asking for you to follow the laws. According to the law 15 U.S.C. 1681a- DEFINITIONS, RULES OF CONSTRUCTION The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who they talk to and how did they complete the investigation? They have also violated my right numerous of times under 15 U.S.C 1681. 15 U.S.C. 1681 SECTION 602A SECTION 2 states I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1666b states 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. ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX, ACCT # XXXX TXXXX XXXX XXXX XXXX, and XXXX  XXXX bankruptcy. Why is EXPERIAN allowed to violate the laws?
Product: Debt collection

XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's.
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
3. Do not sell or transfer this debt to any other third party. 
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Product: Debt collection

Starting on XX/XX/19 calls places to three different phone numbers with a message about being severed documents. Upon contacting company was told a server would be out at noon. Company proceeded to contact more numbers in regards to the issues. Company threatened that much legal trouble would result by not paying them. Tried calling again each representative use the same bully agrresive tactics. Lie and say no one has called and they havent talked to know one. Ask company info they say XXXX XXXX based out of California. Had to call original credit card company to get truthful information.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. Below are the details of the accounts in question :
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX BALANCED {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Booked a flight for XXXX for my wife and myself through affirm for XXXX and on their website through the process it stated that the flight were full. So at that point didnt notice I was creating loans on the affirm website. With the investigation through affirm they realized that I didnt owe anything thing so my account was reinstated.So I need my those inquiries that is attached to affirm to show good standing or take them off my credit report.
Product: Mortgage

I was " passed to '' or bought by Freedom Mortgage in XXXX of XXXX. I never had any problem until Freedom has been my mortgage company. My payment started out at $ XXXX and had potentially increased to $ XXXX in XXXX until I raised XXXX about whatever is going on with this company and my account. I have to call them 2 or 3 times monthly because of major discrepancies. Finally one of the representatives agreed that something was not right on my account and had the company do " research ''. My payment went from {$1300.00} ( the payment that was increasing from {$1300.00} in XX/XX/XXXX ), to {$1300.00} due to this research. Now I'm wondering about the balance. Is it correct? 
Ever since I've been with Freedom they have been literally hounding me to refinance by sending two big packets, calling and sending notices to me! 
In XXXX things really took a turn for the worst. All along, they kept constantly telling me that my Escrow was insufficient and my payment kept increasing. Finally, this year after they threatened to increase my payment once again from {$1300.00} to {$1300.00} for XXXX 's payment, I said, " If they're taking out almost {$700.00}. for my escrow each month how can I be so short so much? '' I feel like my payment is skyrocketing out of control! In XXXX I had decided that I needed to babysit Freedom and keeping very close track of my Escrow, but things are continuing to spiral. 
In XX/XX/XXXX they took two payments out of my account for $ XXXX and they had to refund a payment. 
In XX/XX/XXXX they took my payment of {$1300.00} ( my new payment after the research ) and then tried to take out {$1400.00}, charging XXXX non-sufficient fund fees to my account for {$30.00} for a total of {$60.00}. What can be done? Their are too many errors being made.
Product: Vehicle loan or lease

I sold my XXXX to a car dealership in XXXXXXXX XXXX on XX/XX/year>. 

The dealership paid the remaining balance of the auto loan to Chase Auto Finance on XX/XX/year>. 

I called Chase Auto Finance today, XX/XX/XXXX, to ask why the title has not been released to the XXXX XXXX so that the car dealership can release a check to me for the remaining balance of the car sale amount owed to me. 

Chase Auto Finance said that the dealership did not pay with certified funds so they reserve XXXX business days ( comically counted as Monday-Friday, despite Chase being XXXX for business on XXXX ) to release the XXXX to the XXXX XXXX  XXXX 

I spoke with a supervisor at Chase Auto Finance and explained my frustration that Chase received the funds on XX/XX/year> and the funds have passed a XXXX business day settlement period. The funds are free and clear in Chases account. 

Chase has no valid or reasonable reason ( XXXX ) for wrongfully withholding the electronic lien release at this point. 

Chases actions are actively harming me by preventing my receipt of the balance of my car sale funds.
Product: Credit card or prepaid card

I applied for the " XXXX XXXX XXXX '' with Chase Bank and was approved on XX/XX/23. I was advertised a promotional offer of XXXX bonus miles and XXXX XXXX XXXX XXXX upon spending {$5000.00} within XXXX months of opening the account. I received this offer via postal mail and online through my XXXX XXXX. I do not keep mail, but I was able to retain a printout of the online offer. 

Before I was approved for the card, I noted that the XXXX XXXX XXXX XXXX were not in the documents sent to me after I submitted my application. I promptly contacted Chase customer service through XXXX ( @ Chase ) on XX/XX/23 alerting them to this. At XXXX XXXX Chase responded with this message : " Good morning! Thank you for applying on our XXXX XXXX XXXX XXXX. I understand that you'd like to take advantage of the new account bonus offer where you can earn XXXX bonus miles and XXXXXXXX XXXX after spending {$5000.00} in XXXX months. Please provide your full name and zip code, so I can look into this and point you in the right direction. ^VP '' After a few hours, I had received notification of credit approval, but no mention of the XXXXXXXX XXXX  confirmed by the agent in the message above. 

I wrote back promptly asking them to rectify this. I was told it would take a few days for a " marketing team '' to consider my question. This was despite the fact that they already confirmed that was the offer I wanted. 

The following day, the marketing team responded and said that I was eligible for the offer but would only apply it if I would take a photo of a physical piece of mail that confirmed it. I informed them that I did not have the physical mail anymore, but I had screenshots of the website that confirmed the offer. And, the prior agent confirmed that I was eligible. They told me they would take another few days to consider. 

Chase now says that they will not honor that offer without me producing a physical piece of mail despite other, sufficient documentation that the offer was indeed what I applied for. In my opinion, this constitutes false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I transferred {$650.00} using Wells Fargo Sure Pay to what turned out to be a fraudulent Wells Fargo account on XX/XX/2016. I reported it immediately to the Wells Fargo Fraud department. I also reported the incident in person at my local Wells Fargo Branch. I provided the results of my own research to Wells Fargo. As far as I can tell, there has been no investigation into the fraud. Wells Fargo seems to have dropped the case. In order to open a Wells Fargo account, the account holder must provide a Driver 's License or Social Security Number. The account was originated in the state of Colorado ( according to the routing number ). It seems to me, that the investigation of the person who opened the account would be a fairly simple process for Wells Fargo. I reported the incident to the local police, and to the XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requests for method of verification of bankruptcy listed on my credit report were sent to Experian on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. As of yet, I have not received any description of the method used to verify this account nor who verified this account. 

It has been 7 months and Experian has denied me my right as a consumer to copies of documentation associated with this public record. 

Experian is in violation of section 609 ( a ) ( 1 ) ( a ) of the Federal Credit Reporting Act. Under this law, Experian is REQUIRED to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. You leave your consumers vulnerable to fraudulent adn erroneous information being reported on their credit reports when you do not follow protocol set forth by the FCRA. 

Experian has failed me as a credit reporting agency. At this point, it is doubtful that you have completed an acutal investigation otherwise I would expect that I'd have the documentation that I not only requested but what is owed to me as a consumer.
Product: Mortgage

I was suddenly divorced in XXXX and quickly found I was unable to afford my home and pay the mortgage from Wells Fargo. I immediately put my house on the market in XXXX of XXXX in preparation. Seeing that there were no offers, I approached Wells Fargo about a deed in lieu of foreclosure as i did not wish to keep the property as i could not afford it on my own. I got a real estate agent and applied for the short sale process ( required for 120 days before deed in lieu per Wells Fargo ) in XXXX XXXX at which time i also moved to a more affordable living situation. I supplied the necessary documentation and worked through my real estate agent to move the process forward. I received no communication until XXXX XXXX that my property had in fact not been approved or any decision made regarding the short sale process. I had already dropped the sale price on my home to reflect a short sale. Apparently, they had lost my case in the shuffle or so they say. I had to reapply for the whole process and resubmit my documentation all over again. After a lot fo back and forth the short sale did n't get approved until XXXX XXXX. The property was listed for short sale for the required 120 days after which i asked for a deed in lieu. I heard nothing until XXXX XXXX stating that my file was moved along to the deed in lieu department. It is now XXXX XXXX and i was informed that they have removed me from the process entirely. Collection calls have resumed and i have tried repeatedly to get answers as to why they have denied me. I was told that I was denied because the property was not being maintained. This is false because it 's still on the market and being shown and in move in condition. They had erroneously sent someone out to change the locks, mow the lawn, and winterize the property without my knowledge. Now they are using it as an excuse to deny my deed in lieu. 

I feel like im being strung along as im trying, in good faith, to reach a mutually beneficial agreement with the bank. I 've been shuffled around to so many people at Wells Fargo that Ive lost count. Every time i think im making forward progress, my case gets moved to someone else and things go backwards. They refuse to communicate anything to me or my real estate agent unless its a collection call. I had even filed a complaint with the FHA back in XXXX XXXX, but the caseworker i was assigned to barely listened to my story, did nothing to find a resolution or help me, and quickly closed my case. There have been no offers on the property in 2 years and the price has been significantly lowered to entice a short sale which is much less then what i owe for the mortgage. Even selling it on my own wont be enough. Up until the divorce I had always paid my bills on time and was financially solid. This situation is unfortunate, stressful and something i never imagined id have to do. I 'm trying to rebuild my life and reach some sort of agreement on my property but Wells Fargo has stonewalled me every step along the way. At this point, I really do n't know where else to turn or what to do. I sincerely hope by reaching out to the CFPB that i can get some answers and hopefully a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to access my credit report online. 

This is a follow up complaint of XXXX. I've been trying to access my credit report and dispute status on Equifax website, but the website keeps asking me security questions that is obviously not related to my file. An example of the security questions is attached. I've called Equifax multiple times from 2019 XXXX to XXXX, and the only response I received was request a paper credit report by mail.
Product: Debt collection

Midland Credit Management is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

Midland Credit Management XXXX {$300.00}
Product: Credit card or prepaid card

1 ) Nine fraudulent charges made by XXXX XXXX/XXXX  for {$75.00} posted to cardholders Citibank Government Travel Card statement summary on XX/XX/XXXX. 
2 ) Cardholder reports charges as fraudulent to XXXX on XX/XX/XXXX. 
3 ) XXXX sends cardholder merchants ( XXXX XXXX/XXXX  ) rebuttal via email on XX/XX/XXXX.

- XXXX XXXX/XXXX 's rebuttal contains inaccurate information pertaining to cardholders Government Travel Card account with CitiBank.

- Documents provided to CitiBankCommercialCardsInvestigations by XXXX XXXX/XXXX  fail to include cardholders correct home address and signature authorizing nine separate transactions placed to the cardholders account. XXXX XXXX/XXXX  wrongful accuses the cardholder of agreeing to their cancellation policy, and the charges placed, without providing written proof of such agreement. CitiBank proceeds to hold cardholder fiscally responsible for payments although XXXX XXXX/XXXX  does not provide documentation of agreement between cardholder and XXXX XXXX/XXXX. CitiBank employs a " {$0.00} Liability on Unauthorized Charges '' policy which has not been upheld. 
4 ) XXXX closes investigation on XX/XX/XXXX without providing cardholder justified resolution to the fraudulent charges made to their account. The cardholder is being held fiscally responsible to pay fraudulent charges in full by CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

all list accounts and inquiries are fraud and are on my credit reports. 


WF/XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - 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 XXXX XXXX
Product: Credit card

My credit card last month stopped earning it 's promised XXXX earning bonus on restaurants. I filed a complaint with Citi about it and was told 'a notice came telling you it was changing '. The fact is, that is not true. I was never notified of any changes to my card. In fact, I just looked online And there are no notices on any statements or records of other documents sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Hard Inquires are unauthorized and unverified. Per the Fair Credit Reporting Act these must be removed from the credit bureau Equifax. 

XXXX XXXX  NA Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX  XXXX  XXXX XXXX XXXX  Date : XX/XX/2021 XXXX  Date : XX/XX/2021 XXXX & XXXX XXXX  Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX Card Date : XX/XX/2021