23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear Madame/Sir, Today I received a reply re : my case XXXX against Citibank. The reply was " working on my issue '' and " I should hear from them in 60 days ''. Are you kidding! Citibank received my payments in a timely manner and cashed the checks, sent them to my credit card account that they ACH the XXXX of each month, accused me of lying the payments were never sent, and after involving my Congressman reneged on the XXXX/XXXX/XXXX response and sent my account to XXXX collection agencies. 

Why 60 days? Ha, ha, just another stall tactic. A settlement agreement was made in XXXX XXXX re : the account. Sixty days will be almost be a year when the settlemet agreement was made with me. The account was suppose to be satisfied in XXXX XXXX. The account should be closed not " settle '' for illegal practices by Citibank. I would like for this charade to be over, Now!
Product: Mortgage

I obtained a home mortgage with Wells Fargo in XXXX. In XXXX the mortgage was sold to XXXX XXXX XXXX XXXX. I do not believe all payments were applied from Wells Fargo or through this transition. I've had this property for twenty plus years and my current mortgage company is showing a XXXX XXXX dollar plus balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX  XXXX   XXXX {$600.00} XXXX XXXX XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I submitted a complaint to CFPB on XXXX and Experian has not responded to my complaint. My complaint number on CFPB is XXXX in regards to Experian reporting a fraudulent address on my credit report. I have sent over my drivers license with my address on it and they still refuse to change or correct my address. They still continue to report the fraudulent address of XXXX XXXX XXXX I do not live at that address and I have never ever lived at that address.
Product: Checking or savings account

I notified Suntrust ( Truist ) bank on XX/XX/XXXX of an unauthorized debit by XXXX on my account. This notification was done through my online banking. Notifying the XXXX was done quite easily with a few keystrokes. Never during the process was it stated that by submitting a unauthorized transaction report would cancel my debit card & access to my account. I was not notified by the bank that this had happened until I was not able to buy groceries today because my card was deactivated without my consent or knowledge. 
I spoke at length with a XXXX XXXX XXXX XXXX XXXX ( XXXX ) who was unable to reactivate my card or provide a way to access my funds before NEXT week. I believe they did not follow Regulation E or they did not follow the spirit of Reg E by not notifying me prior to me finalizing my unauthorized report or by contacting me via phone or email or text ( all info they have ). I am ( was ) a XXXX year customer and am now going into XXXX XXXX XXXX weekend & moving kids out of college with no access to my money via ATM/debit purchases, etc. Please help make sense of this or help me access my money. Thank you for any support you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against Credit Collections for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent Credit Collections a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Credit Collections has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, Credit Collections has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, Credit Collections has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, Credit Collections has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Credit card or prepaid card

I have contacted Chase and XXXX a total of 15 times and this is still not resolved. I returned an item to the merchant and the merchant received it back on XX/XX/XXXX and it was finally credited to my account for {$130.00} but the credit is showing on XX/XX/XXXX which isn't correct, but the credit amount is correct so that is acceptable. Now I have a credit of {$130.00} that was issued on XX/XX/XXXX, this is not correct. 

My account balance should be {$130.00} as this credit was issued in error on XX/XX/23. Every time I call and try to speak to a manager I am placed on hold - for over 20 minutes. Again, literally 15 calls to dispute this one transaction and it still isn't correct. I need the account adjusted to show that I owe {$130.00} - as the credit issued on XX/XX/23 is in error, I will make the payment and be done with this company.
Product: Debt collection

They call a XXXX times a day. On my cell phone. They never leave a message. The few times I have answered, there is nobody on the other end and the call disconnects. I 've found out through looking up XXXX XXXX ( from my caller id ), that they are some sort of debt collection agency. I 've also learned that they are rude and threatening. I have no way to stop these calls. I put the numbers in my reject call list but they always call from a different number. I ca n't get in touch with them, but they are calling and calling. I 've received no mailings from them and I just want the calls to stop.
Product: Credit reporting or other personal consumer reports

It is unacceptable that, after multiple disputes and providing undeniable proof, the inaccurate information on my credit report remains unchanged. Your repeated failure to address these errors is not only frustrating but also a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I have given you ample opportunity to correct or remove this false information, yet it continues to remain on my report. I demand an immediate and thorough reinvestigation, a review of the attached documentation, and prompt action to ensure my credit report is 100 % accurate. This issue must be resolved immediately.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my credit report I noticed unauthorized inquires on my report and this has hurt my ability to establish credit XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : TARGET/TD XXXX Date OpenedXXXX  Balance : {$430.00}
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with REC MGM SYS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for Equifax to to fix the XXXX report of my car being discharged in bankruptcy, I paid my car in full, my bankruptcy did not include my automobile and was paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a couple years now. Experian does not review information given in the comments for the dispute. I have sent in documentation to fix these errors and Experian has updated portions, but has left very hurtful and inaccurate information on many accounts. There are accounts that I have proven to be paid in full and Experian update the info but still it as a charge off. Much of the payment history in accurate and not on the credit report at all. I also have collections accounts on my report, but when calling to verify for myself, the information provided on the report does not match what these companies had. They could not verify without me giving them sensitive information ( SSN and DOB ). Experian, therefore could not have done an independent verification process with the original creditors. Additionally, there are things in collections that I have invoices for, showing creditors being paid on time ; Experian has updated that information as collections. They have also reaged debt with collect and have re-added information that was rightly deleted for lack of verification. I have also request information on how Experian conducts its independent investigation and have never received those reports.
Product: Credit card or prepaid card

I did not order XXXX 's and I was charged XXXX $ for XXXX XXXX XXXX I ordered from XXXX and was overcharged by XXXX $ + in one day. I have multiple purchases XXXX XXXX unknown services that I never utilized or come nsumed. Also I never received an end x certificate from XXXX online. XXXX $ charged though. I also did not take out {$1000.00} from any ATM ever. Also I w as CH argued for a week ly fXXXX XXXX subscription which I on several occasions called to cancel service web site advertising suggests that the cancellation s areceasy and fast guaranteed at anytime. The co marely and spoon however could not locate my account so I was not cancelled like web site promimises. XXXX a week.for XXXX weeks. Also there are a lot of mistakes I an disputing with USBank reliacard asap. 
I just wanted to let ya all be aware so that I'm following legal cha -nnels got go fix my sabatgoed by whomever did these llegal trans. 
To my accountso I can have the bankhurry to reinstate funds to my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Individual As Of : XX/XX/XXXX Capital XXXX Individual As Of : XX/XX/XXXX
Product: Credit card or prepaid card

A Credit Card was illigally opened and used mutiple times in my name. The total equals {$4100.00}. I did not concent to obtaning this credit card, nor did I concent to the use of it as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX Credit Bureau Dear CFPB, I am writing to formally dispute the following account listed on my credit report from both TransUnion and XXXX. I have no knowledge of or association with this account, and I am demanding its immediate removal from my credit report. I have disputed this account on multiple occasions and have not received any proper validation or communication from the credit bureaus or the creditor. 

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion , XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements. 
This account does not belong to me, and I am requesting immediate validation of the account or its deletion from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
I am formally requesting proof of validation from the original creditor or any legally binding documentation that proves this debt is mine. If this documentation can not be provided within the legal timeframe, I demand the immediate deletion of this account from my credit reports. 

As of today, XX/XX/XXXX, I have received no communication regarding previous disputes, which violates my rights under the FCRA and FDCPA. I request that the CFPB intervene to ensure compliance and resolve this matter swiftly. 

Thank you for your attention to this issue. I trust that your office will take appropriate action to enforce these regulations and remove this erroneous account from my credit file. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
Product: Bank account or service

I was given a fraudulent cashiers check. I deposited into my savings account and made no attempt to withdraw the fund. The check was determined to be a counterfeit cashiers check. Upon learning this fact I immediately notified the supposed issuing bank. They informed me that they were experiencing a " flood '' of fraudulent checks being given to victims throughout the country. I notified my bank - Wells Fargo - and, even attempted to provide them with information relative to the actual identities of the individuals that had given me the fraudulent checks. They were not interested in obtaining any information nor willing to receive copies of the complaint I had filed with my local police department or US Postal Service ( US Postal Inspector ). Wells Fargo suggested that I deposited a fraudulent check into my personal account - suggested that it was my responsibility to know if the check was good or not - and, immediately closed my account ( s ). I asked why then the XXXX hold on the check upon deposit? The bank clearly was not a victim because they lost no funds. I was the intended victim of a scheme yet lost no money. I was quite surprised that they essentially terminated and closed my accounts - and, their fraud department would n't even engage in a civil conversation about the specific details of the scheme that was meant to defraud me.
Product: Vehicle loan or lease

On XX/XX/2021, I paid the full amount for both my leased vehicles. I have been waiting for my titles for the past 2 years. They said they sent it to my home address but I have never received anything from Hyundai Motor Finance. I have called them number times and have even sent them a check to request my title. They give me the run around and have even hung up on me multiple times. 

I need the titles to BOTH my vehicles before the end of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter for an account on my credit dated for XX/XX/2021 reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately
Product: Checking or savings account

On XX/XX/XXXX I lost my debit card in XXXX, next day a supervisor from XXXX  call me saying that the found the card. 

Next day I found out tree charges to my account on that I didnt authorize. I called the bank and star a dispute process a week after this they said I authorized the transactions and that they will charge me for them. 

They also stated that if I have a problem I should contact the merchant myself The charges are : XXXX XXXX XXXX {$40.00} XXXX XXXX {$130.00} XXXX XXXX {$57.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX  Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX   XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX  at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX  said the XXXX  Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided investigation results and be provided validation of the accounts being reported on my credit report. It is my right as a consumer to dispute information that is inaccurate and false on my credit report, please investigate and send me my updated copy of my credit report to my current address. I will attach my letters regarding the information and accounts that I would like to be removed from my credit report below. I have unauthorized inquiries on my credit report that I have no contract or no affiliation with those creditors that's reporting on my report and other information that needs to be removed immediately.
Product: Debt collection

Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress.