23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi and how are you? Listen, I've disputed this account before with Elan FInancial services and they removed it base on the errors and  violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your  authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

Opened a Citi Bank checking account and debit card in XX/XX/2022 under XXXX XXXX XXXX. The reward is {$500.00}. 
The fourth week of XX/XX/2022 I called. The representative said this problem would be resolved in 3 to 5 business days. I called today XX/XX/2022 ... the Representative said it would be 30 more business days. 
The reward should have been posted to my account in XXXX XXXX. 
My wife opened the same type of account at the same time and received her rewards in a timely fashion. 

I find this unacceptable and would like Citi Bank to honor their contract.
Product: Mortgage

Bank of America, loan officer, XXXX XXXX XXXX, still struggling with reporting my pre-approval application after almost four months. Have someone who wants to put title of his property in my name, but, being delayed due to this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, Experian and Transunion. This is regarding account XXXX for {$24000.00} from XXXX XXXX listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. I request that you remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Aspire ( XXXX XXXX XXXX about my being affected by COVID-19 and not having income to pay the monthly amount due. The following day, I received an alert for the credit bureau that the card was closed. Assuming it was a mistake, I called and was informed that my card was permanently closed because it was over the limit. 

I have called several times and to no avail my account will not be reinstated.
Product: Debt collection

Dear Experian Consumer Assistance, I am writing to file a formal complaint regarding a case of identity theft that has resulted in fraudulent account activity on my credit report. I request your immediate investigation into this matter and the removal of the following fraudulent account from my credit report : Account Information : Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$680.00} No. of Months ( terms ) : - High Credit : {$680.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX I have recently fallen victim to identity theft, and I have taken the necessary steps to address this issue. I have already filed a police report with my local law enforcement agency, which I have attached to this complaint for your reference. The police report number is [ Police Report Number ]. Additionally, I have placed a freeze on my credit reports with all three major credit reporting agencies. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute inaccurate or fraudulent information on my credit report. I hereby exercise my rights and formally dispute the above-mentioned fraudulent account, which has been falsely associated with my identity due to the identity theft I have experienced. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent account from my credit report. The presence of this erroneous information not only tarnishes my creditworthiness but also violates my rights under the FCRA. 

In support of my claim, I would like to draw your attention to relevant case law that upholds the rights of consumers in situations like mine : [ Provide the relevant case law information here, including the case name, court, and key details that support your argument. ] I kindly ask that you provide me with written confirmation of your investigation and the actions taken to rectify this situation. Furthermore, I request that you supply me with an updated copy of my credit report, reflecting the necessary corrections once the investigation is concluded. 

I greatly appreciate your immediate attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me at the phone number or email address provided above. I anticipate a prompt resolution to this issue and the restoration of my accurate credit history. 

Thank you for your assistance in rectifying this unfortunate incident of identity theft. 

Sincerely, Enclosure : Police Report Regenerate response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was my servicer and they no longer exist. Mr. Cooper/Nationstar handles the accts.I have amn open acct and showing delinquency after the mortgage was transferred in XX/XX/XXXX. I spoke to XXXX regarding this and they stated it is the responsibility of Nationstar/Mr Cooper to fix. Here is the complaint number XXXX for XXXX. 

nationstar does not want to fix it as they are stating XXXX put it on and has to fix however no one is at XXXX and it no longer exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}
Product: Credit card or prepaid card

Chase Bank extended an offer to its credit card holders a promotional benefit in the amount of a {$10.00} credit for purchases made at XXXX when using a registered Chase credit card. Provided here is the link to Chase XXXX XXXX 's announcement : https : //media.chase.com/news/chase-and-gopuff-partner-to-give-cardmembers-new-benefits I followed the requirements, namely using an eligible Chase credit card, and made a purchase at XXXX on XX/XX/XXXX and XX/XX/XXXX using my Chase Sapphire Reserve credit card. 

I called Chase on XX/XX/XXXX to inquire about receiving my statement credits and was told I could expect to hear back within 5 business days. I did not receive a reply, so I called again this morning and was informed that due to a company name change ( from XXXX to XXXX ) I am not eligible to receive the credits. I do not understand what a company name change - something of which I have no control over - should somehow make me ineligible for a statement credit, especially given the fact that I followed all the requirements as listed on Chase Bank 's own website.
Product: Credit reporting or other personal consumer reports

American Credit Acceptance illegally repossessed my XXXX XXXX XXXX  that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. ACA agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which ACA has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. ACA has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also ACA in lieu of 1000 per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. Thank you, XXXX XXXX this has went past 60 days for official response from ACA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the Two XXXXXXXX XXXX XXXXXXXX accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 am writing to express my dissatisfaction with the delay in addressing the open accounts issue. As a valued customer, I believe it is crucial to highlight the importance of timely resolution of such matters to ensure smooth business operations and maintain a positive customer experience. 

Despite my initial attempt to rectify the late open accounts, there has been a significant delay in addressing the issue. This delay has not only caused inconvenience but has also led to potential financial implications for both parties involved. 

I understand that mistakes can occur, but it is imperative to prioritize swift action to correct them and prevent any further inconvenience or financial repercussions. I urge you to expedite the process of resolving the open accounts and provide a clear timeline for its completion. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$81.00}.
Product: Credit reporting

I have been disputing inaccurate information on my credit report for over 1 YEAR and yet to have my report corrected. XXXX XXXX XXXX listed is incorrect. The balance is {$0.00} because it was transferred to U S DEPT OF ED/XXXX which I AM CURRENTLY PAYING EVERY MONTH. Yet it is NOT reported that I am in good standing and PAYING currently. 

AGAIN EXPERIAN CORRECT THIS IMMEDIATELY : XXXX ( XXXX DIFFERENT ACCOUNTS ) NEEDS TO SHOW A {$0.00} BALANCE. THE ONLY ACCOUNT WITH A BALANCE DUE IS U S DEPT OF ED/XXXX.
Product: Mortgage

- On approximately XX/XX/XXXX our mortgage company ( Homeside Financial ) completed an escrow analysis on our account and sent an incorrect escrow refund check in the amount of {$4100.00}. The day after we received this check we were notified that the amount was incorrect and the check had been canceled. 
- I called Homeside Financial on approximately XX/XX/XXXX to determine what our correct refund was and to determine when a check would be sent. I was told that our escrow account had been overfunded by {$3100.00} and a check would be mailed to us in 30-60 days. We agree with this amount. 
- Our mortgage company has been aware of the overfunding since XX/XX/XXXX. 
- Multiple calls have been made over the past 9 months requesting a refund of the overfunded amount. We have been told 3 times that a check is being sent and it will take 30-60 days to arrive. No check has ever been received. 
- We have paid {$6900.00} into our escrow account since XX/XX/XXXX. Our current escrow balance is {$3800.00} because Homeside Financial is showing that they made a payment to us in the amount of {$3100.00} which we never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting late payments for months on my credit report that I was on the rehabilation program with XXXX XXXX XXXX XXXX and in fact making payments to the XXXX XXXX XXXX XXXX during months XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make payments for XXXX that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In XX/XX/XXXX myself and the XXXX XXXX XXXX XXXX changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by XX/XX/XXXX. I was under agreement from XX/XX/XXXX-XX/XX/XXXX to pay my balance in full. I completed that agreement and paid my balance in full on XX/XX/XXXX. I would like for each credit bureau Experian, XXXX  and XXXX to update my payment history with the accurate info showing my account was in fact being paid for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And for the months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well I was under agreement at this time and was told that no payments were going to be reported late because of my  agreement that I had set up with the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, the removal of any incorrect accounts from my credit report is required. The reporting of these accounts is inaccurate. I should receive {$1000.00} for each mistake on my credit file.
Product: Credit reporting or other personal consumer reports

I had came to XXXX XXXX XXXX looking to finance a vehicle in XX/XX/2022. I was approved and financed through SANTANDER CONSUMER USA HOLDINGS INC. for {$34000.00}. I put down {$2500.00} for a down payment, and was able to drive away with the vehicle. 2 days later the vehicle was having mechanical issues which I informed the car lot XXXX XXXX XXXX. XXXX XXXX XXXXXXXX instructed me to bring the vehicle back which i did that same day I called ( XX/XX/2022 ) and they took the car back saying they will fix it but it has been a over year since then they have had possession of the vehicle. When I check my credit report I'm being penalized and charged for a vehicle I do not possess, the car lot XXXX XXXX XXXX has had possession of the vehicle the entire time and hasn't reached back out or contacted the finance company and informed them of the situation. So my credit is being affected by this situation which is completely absurd and is a violation to my rights according to the Fair Credit Act. I did contact Santander Finance Company and informed them of the situation multiple times which I've documented and made sure they documented as well. I've also filed a complaint with the Federal Trade Commission as well as the Illinois State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not agree to sign up for ID notify through XXXX but am getting unwanted emails. The only way to cancel is to call their hotline, but in order to cancel you need to give a bunch of personal information. I can not agree to give more personal information to a company I didn't agree to sign up with in the first place.
Product: Checking or savings account

Keep having wells Fargo interfere with my account access unprofessional customer service and balancing matching. When question seems I am a focus of customer subject. As a trustee there is no considered thought of amount but change on as a customer perspective is at a different angle there money is there's. Without approval stop credit availability for over or no fund .. receive regular checks deposit of years also balance is question when question bad customer service in involvement of my skills as a administration background should be ignorant and in school the higher there voice with assistant to upper management and involvement to be informant. I have been a XXXX  customer of years with excellent customer service XXXX  instructions to have XXXX  account since then such bad experience.stop password access and not receive interested on high fund account nor available product for interested to not have attire account spend need balY activity checked and investigation if representatives and service start S a customer also had stock in past with no interest adding for years is this a personal problem pursue I as a XXXX American worker with XXXX XXXX  account interest
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed numerous times concerning inaccurate information on my credit report for the following accounts. I have requested Methods of XXXX on XXXX occasions- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The following accounts ; XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I never recieved a method of verification per my letters. 15 USC 168i ( a ) ( XXXX ) ( B ) ( XXXX ) To be clear, per FCRA XXXX ( a ) ( b ), Experian is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute and provide a method of verification of these accounts I asked Experian to provide me with this documentation yet they continually failed to do so but instead sent me auto-generated letters with no proof of due diligence. I am requesting that these accounts be updated with no late payments please. 

Thank you XXXX XXXX
Product: Credit card

I did not use my card for while in XXXX and XXXX last year. When I paid my annual cell phone bill using my Bank of America credit card in XXXX last year. Bank of America automatically locked my card when I live XXXX of miles away from the nearest branch. Their customer service associates insisted that I had to visit a branch in person. After an accumulative of XXXX hours of calls with different BOA agents, they continued to provide false information to me that I had to travel to branches in person to unlock the account. During these lock periods from wishing to XXXX, I was denied the opportunity to earn the XXXX percent rewards on my Bank of America Visa card since I had to use their debit card. I had requested multiple occasion to speak to a supervisor but was denied such opportunity. 

It wasnt until late XXXX when I was finally connected to a Bank of America Customer Service supervisor who told me that the previous agents have lied as they should have directed me to a call center supervisor who will be able to unblock my account for me without having to visit the branch in person given the fact that the nearest branch is XXXX of miles away from my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number on Experian XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.