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

I have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. 
But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Debt collection

CONSERVE TRYING TO COLLECTING MONEY FROM ME. I SEND LETTERS AND EMAIL TO THEM STATE THAT I DIDNT responsible FOR THE DEBT. THEY DIDNT REPLY, DIDNT CONTACT ME ABOUT IT. JUST REPORT IT TO XXXX credit bureaus
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a check to Audi Financial Services to pay off my daughter 's car loan - check amount was {$42000.00}. I was paying off because my daughter missed a payment and Audi Finance hit my credit reports- lowering from in the XXXX 's to in the XXXX 's. My assistant had gotten the payoff amount by talking with Audi Finance. 

In mid XXXX, I received another late notice, so I called and Audi Finance told me that they had not received my XXXX check. I instructed my bank to put a stop payment on that check, and I sent another check for {$42000.00} on XX/XX/XXXX - the new payoff amount included additional interest. I sent that to an overnight address given to me by Audi Finance and the check was cashed. 

On XX/XX/XXXX, Audi Finance cashed the original check of {$42000.00}. So they now have approximately {$85000.00} of mine for a {$42000.00} loan payoff.

My assistant and I have been calling Audi Finance demanding that refund of the duplicate payoff amount. Audi Finance keeps saying it is " in process ''. My assistant and I both called the direct line for the person who has been " working '' on this today, but she was not available and has not responded to our voice mails. I called the prior number that I had used and automated system said I would get a call back in 15 minutes. No one has called back.

The reason that my name had to be on the loan in the 1st place was because Audi Finance repossessed my daughter 's car with absolutely no notice last year, significantly negatively affecting my daughter 's credit. So when her lease was up, they refused to finance her buyout. At the time of the repossession, I had number calls with Audi Finance about repossessing with no notice. They said they mailed notice to my daughter of 2 late payments. At the time, my daughter was living in an apartment where mail was being stolen- we provided police reports to that effect to Audi Finance. The thugs that Audi hired to repossess my daughter 's car said they called several times. They may have called from a number that would not have been recognized by my daughter, but never left any voice mails for her. They just showed up at a young woman 's apartment and took her car. Getting the car back was a nightmare, but that is a digression.

In short, Audi Finance 's incompetence has seriously negatively affected both my and my daughter 's credit and now they have stolen {$42000.00} from me and are not cooperating in returning it timely. I now have my bank watching to make sure my other account payments do not bounce, thus affecting my credit score further. I take having a high credit score very seriously and Audi Finance 's actions are undoing years of diligence on my part.

The reason that I paid off the auto loan was because Audi Finance is so incompetent and I did not want to have any further dealings with them. They need to return the money that they have wrongly taken from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX Account number : XXXX You have this account balance as {$24000.00} but the current account balance is $ XXXX have attached a screenshot of this account information below
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my first complaint regarding this exact same issue : I informed XXXX Bank back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Prepaid card

I have tried to use this prepaid giftcard from Amex. It will not allow me to purchase everything and I have contacted them but they have given me no solution. Its unused and is supposed to have XXXX dollars loaded onto it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Product: Checking or savings account

Zelle ban my account for no reason Ill never use zelle
Product: Credit card or prepaid card

I applied for, and was approved for, the Barclays XXXX XXXX business card on XX/XX/22. The promotional offer for the card was advertised as : spend {$2000.00} in purchases in the first 90 days after approval, and then receive XXXX XXXX XXXX miles and a {$99.00} statement credit. The card has a {$99.00} annual fee, which is not waived, but it is effectively cancelled out by the statement credit ( assuming that it posts correctly ). 

I met the minimum spend requirement with a single transaction on XX/XX/22, and was given the XXXX XXXX XXXX miles, as shown on my XX/XX/22 statement from Barclays. That statement did not include the {$99.00} statement credit. 

On XX/XX/22, I initiated secure message correspondence to ask about when I would receive the promised {$99.00} statement credit. After some back-and-forth, I was told " [ o ] nce qualified, bonus offers will typically take 4-6 weeks for completion. '' On XX/XX/22, I decided to try my luck again and send another secure message asking about the {$99.00} statement credit. I was told " Upon reviewing your account the {$99.00} statement credit should be deposited into your account [ in ] 1-2 weeks. '' On XX/XX/22, with no statement credit in sight, I started another round of secure message correspondence. I was told " Upon review of your account, we show that you have met the requirements to earn the {$99.00} statement credit. Regrettably, we have identified an issue that prevented the statement credit from posting to your XXXX XXXX XXXX XXXX XXXX XXXX and are correct [ ing ] it as quickly as possible. We apologize for any convenience this may cause. '' I inquired about a specific timeline for resolution but was not given a clear answer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer Fico credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts are as follows, XXXXXXXX XXXX on XXXX account # XXXX XXXX XXXX on XXXX account XXXX XXXX XXXX XXXXXXXX on XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, Arm on XXXX account XXXX XXXX XXXX on XXXX account XXXX XXXX XXXX XXXX XXXX XXXX on XXXX Account XXXX XXXX XXXX on XXXXXXXX XXXX account XXXXXXXX XXXX on XXXX account XXXX XXXX. These accounts have resulted in several fraudulent inquiries, collections, and charge offs appearing on my Fico report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as XXXX, but also shows a past due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : U.S. Bankruptcy Court XXXX XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

XXXX XXXX. sent a " collection '' letter to me dated claiming that they have acquired from a creditor named XXXX  XXXX and that I " owe '' a total of {$1600.00} due immediately. I made contact with XXXX to inquire on this debt as I have never had an account with XXXX  XXXX, Have no idea who XXXX XXXX even is and I do not claim this debt as my own, nor does this show on my credit. The male that answered the call was disgustingly rude, read me all of my PPI and flung profanities at me saying he did not care what my profession was and didn't care that I was disputing this debt and that he would get this money one way or another and hung up on me. After reviewing reviews over this company is has come to my attention that they attempt to scam people often and I hope they can be stopped before a naive person sends them the money they are requesting and may not owe.
Product: Checking or savings account

I opened my platinum savings account in branch at the XXXX XXXX XXXX XXXX location in the XXXX Tx on XX/XX/XXXX with the bonus offer code of XXXX. The banker applied the offer code and I received and still have the printed paperwork showing the offer code was applied during account opening and the offer terms. The terms were " depositing XXXX or more by day 30 from account opening, maintain at least XXXX balance until day 90 after account opening and receive {$520.00} by 120 day of account opening.

I have met all requirements but no bonus was paid by day 120. I called Wells Fargo to submit an
inquiry on XX/XX/XXXX. I reached out again on XX/XX/XXXX but was told they couldnt find the inquiry submitted previously and had to submit a new inquiry. I reached out again on XX/XX/XXXX but was told that they couldnt find the inquiry again. After a lot of back and forth the agent said the back office was able to locate my 2 inquiries and they were both denied but no further information was available. This is unacceptable : not only I never heard from Wells Fargo regarding the inquires they couldnt even locate my inquiries ; Then after they finally found the inquires there is no explanation other than the bonus was denied. So, I asked a letter to be mailed to me with the reason regarding the bonus denial. On XX/XX/XXXX I submitted a complaint with the executive office at Wells Fargo. With the 2 inquiries and the complaint to the executive office I told the agent over the phone each time that I have the paperwork I received from the banker showing that offer code XXXX was applied during account opening and that I have the email with the offer code and the terms. 
On XX/XX/XXXX and XX/XX/XXXX I received 2 letters dated XX/XX/XXXX ( the date I asked the letters to be mailed ) regarding the bonus inquires saying the reason my bonus was denied was because no offer code was applied during account opening. On XX/XX/XXXX I received a secure message saying my bonus was denied because the offer code for the bonus was valid from XX/XX/XXXX to XX/XX/XXXX. How can Wells Fargo allow an expired offer code to be validated during account opening at the branch? Again, I do have the paperwork showing a valid offer code was entered and I have the offer terms printed for me as well. I am attached both of them here. However, during all 3 investigations I was not offered the opportunity to upload any documentation as proof. A denial and case closed was only communication I ever received each time. I never even heard back from the 2 inquires till I called and asked for a letter with denial explanation to be mailed to me. Also, each time the case was closed without any opportunity to upload any documentation. It seems there are some glitches in Wells Fargo system causing my bonus not be paid out. However, customers shouldnt be the one to take the loss when the mistake is on Wells Fargos side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of XXXX and it still has not been reflected in my credit reports from XXXX and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within XXXX  days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the XXXX code.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Tower loans did a hard inquiry on my credit. After looking I found this company is doing a hard inquiry quarterly on my account. I did not authorize these inquiry. I called the number on inquiry and it goes to a doctors office. I want this fraud stopped.
Product: Mortgage

My total payment with Mortgage, mortgage insurance, and taxes is {$1000.00}. On XXXX XXXX my payment raised to {$1600.00}. With such a large increase I called my Mortgage Roundpoint Mortgage ) and they claimed my escrow was short due to an increase in taxes. 

On XXXX XXXX I quickly went to XXXX and confirmed my taxes have not increased. They gave me a copy of my XXXX tax bill and preliminary tax for the first 6 months of XXXX. They also said no tax payment have been made towards a majority of XXXX and none of XXXX. 

I called back RoundPoint and they looked at where my taxes were sent, XXXX XXXX which is not my township. In addition they said my taxes were more than double of what my taxes actually are. They asked me to email them my form showing taxes from XXXX XXXX and we would use my grace period to adjust this. I emailed the tax document on XXXX XXXX. 

I had a 16 day grace period. On XXXX XXXX I called back and was informed the new anticipated date for completion is XXXX XXXX. I told them this was unacceptable, I need my taxes paid and I want to pay my correct amount. They said they would " escalate '' this matter and I 'd get a call back Monday the XXXX. 

No call on the XXXX. I called back Thursday the XXXX and still no update. Again it would be escalated and I should have a call in the next day. 

RoundPoint Mortgage has been accepting my payment and not paying my taxes. This sounded incompetent at first when they said they were paying the wrong township. The fact they put the burden on myself to prove the amount of my taxes, which I did and still taking over a month to fix this almost feels criminal. My taxes have n't been paid in 5 months and now my mortgage payment is late.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate eviction records on my credit report. There are four apartment complexes reporting evictions under my name that do not belong to me. These incorrect records are negatively affecting my creditworthiness and need to be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies and information furnishers are required to ensure that the information they report is accurate and verifiable. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information, and the credit bureaus must investigate and correct any errors.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, including landlords and property managers, to report only accurate data.

If these eviction records can not be verified as belonging to me, they must be removed under the FCRA.

I have contacted the credit bureaus regarding this issue and am requesting the CFPBs assistance in ensuring these wrongful evictions are investigated and deleted from my credit file. I request that each credit bureau ( Experian, XXXX, and XXXX ) provide me with a written confirmation once these inaccuracies are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies Equifax, XXXX, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).