23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

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

I just want Carrington Mortgage to explain why they're not reporting my credit history to the there credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. 
The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 
Specifically, I dispute this account : XXXX XXXXXXXX XXXX.
Product: Debt collection

I had a {$400.00} XXXX XXXX XXXX Credit Card with Wells Fargo and I went to XXXX  on XX/XX/XXXX  and was NOT released until XX/XX/XXXX  During the time I was in XXXX  I was charged {$1500.00} for a Rental Car that was returned in the middle of XXXX obviously it was NOT an authorized Charge. I'm not going to pay for a Debt that does not belong to me I have tried to dispute it several times without any luck. Now that the Debt is over 5 years old I contacted the company to notify them that the debt was beyond the statute of limitations in Texas but they still claim it is a valid debt they are reporting to the Credit agencies. 
The Company keeps changing the Limit from {$400.00} to {$1500.00} in an effort to make it appear to be a current debt this has made it very hard to get any kind of credit and has caused me nothing but trouble. The most recent letter in the past month still says that it is properly being reported to the credit agencies. After 5 years I would just like the company to remove the debt from my credit report as I'm unable to be responsible for a debt charged while I was in jail and now that it is beyond the statute of limitations I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX   Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX  XXXX  Reported :XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX  XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XXXX
Product: Credit reporting

there is a XXXX XXXX account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX ,
Product: Credit card

On XX/XX/year> which was a Monday I was working all day. I got off at XXXX and had to go to the grocery store to pick up a couple of items I needed to make dinner with, I spent {$14.00}. I went home after that and maybe an hour later my fiance alerted me to an email he received that said our account balance reached XXXX dollars. While we were both sitting at home, someone else had gone on a shopping spree with my card. Unauthorized purchases made were from XXXX for {$130.00}, XXXX XXXX XXXX for {$92.00} and {$32.00}. The 4th charge made for XXXX which did not go through because my account was already in the negative was for {$230.00}, they had tried to charge that twice and it declined both times. I still had my card on me so all I could think of was someone used a scanner while I was at XXXX and stole my card information. I called Wellsfargo and filed the dispute, they shut off my card and mailed me a new one. About a week later they had deposited the {$260.00} back into my account. I thought it was resolved at that point. 

On XX/XX/year> I got a letter from Wellsfargo stating they finished the investigation and determined those charges were authorized and they would deduct the {$260.00} from my account on XX/XX/year>. I called them to find out how they determined they were authorized and they told me that they could not find any evidence of fraud and the fact that I still had my physical card on me. The only thing they could suggest was to go to the businesses directly and ask them to give me my money back, which does not make alot of sense because stores don't do that. They would have to take my word and what business would do that. Them being a financial institution, I am sure they have seen of and know of just about every scam or possible way people can steal credit card info and use it. I can't even remember the last time I stepped foot inside a XXXX, I rent an apartment. I also don't spend that much money at gas stations, my small car only holds about 13 gallons of gas, and I might buy a snack or drink there but not {$120.00} worth. I have been a loyal customer with Wellsfargo for well over 10 years and this is upsetting for them to decline my claim when I am very careful with my money. I have a ton of bills and rent due at the beginning of the month, I'm not about to spend all my money and put myself in the hole like that at the beginning of the month right when all these bills and rent is due. I am very responsible and watch my account diligently.
Product: Vehicle loan or lease

On XX/XX/18 I pd monthly payment of {$450.00} @ that time asked how many payments left due to my 6 yr loan was reaching maturity. I was told XX/XX/18 was last payment, but I had rolled over 6 payments to the end of the loan when I had lost my job, so I figured it was 6 more months after XXXX. But I was informed that in XXXX I would owe my last payment of {$450.00} & an additional {$13000.00} for interest accrued for 2 payments that were 60 days past when I was out of work. ( BUT I HAVE MADE A MONTHLY PAYMENT ALWAYS ) I was in shock & stated I could not pay this & new nothing about it. He stated that letters were sent to my online account ( WHICH I DO NOT HAVE ) & they did not need to send me anything in writing. At this time I asked what happens if not paid & was told even though loan had reached maturity they were going to REPO my car in XXXX for the interest owed. They stated that they DID NOT NEED TO SEND REPO PAPERWORK BY MAIL & would just take the car in XXXX. BUT he also stated that EXETER FINANCE CORP out of TEXAS could decide to WAIVE the $ $ $ or LEAVE it what is was & make me pay $ $ it. They make the final choice. I NEED HELP before it gets to the point of them taking my car after I paid if for 6 years & DON'T GET HOW THEY CAN XXXX  IT IF THEY CHOOSE OR MAKE YOU PAY SUCH AN OUTRAGEOUS AMOUNT OF MONEY. I have NO DOCUMENTATION due to the fact that they NEVER mail anything to me & I have requested numerous times to have things sent to me & they IGNORE MY REQUEST
Product: Checking or savings account

On Friday, XX/XX/XXXX, I thought I got a job as a XXXX XXXX I carefully researched the company and everything. I deposited a check to my checking account through the mobile app for {$3500.00}. I went the next day and made a purchase for {$3000.00} from the XXXX XXXX because the check had cleared the bank in my account. On Monday, I deposited another check from the same person for {$2500.00}. Something didn't sit right with me and I notified the company and asked if this person was an employee and they said no. I realized then I had been scammed and I called the police to file a report. On Tuesday, XX/XX/XXXX, I went to my local branch at Regions to tell them I thought those 2 checks were fraud and what could I do to get my money back. The gentleman there said they had cleared my account so nothing could be done yet. He did file a claim to appeal and try and get my money back for {$3000.00}, but I have yet to hear anything from that. The next day, the {$3500.00} check did come back out of my account so I went up to the branch at Regions in XXXX, TN, and spoke with the assistant manager. This was after calling the XXXX  number and them instructing me to go to the branch so they could help with fraud. The assistant manager was horrible and basically said there was nothing they could do because I deposited the check and spent the money. It has been days and I can't get any help from Regions even though, everyone I speak to says they should be helping me. Now, my account is locked and I don't even know what has cleared and what isn't. 
I do know that right before my account was locked, the other check for {$2500.00} was also coming back out of my account.
Product: Debt collection

Reported death of spouse ( holder of the debt ). Started another bill in my name. The utility company represented by XXXX and XXXX is attempting to collect past debt owed by spouse.
Product: Mortgage

To Whom It May Concern ; This is to advise you of the my deceptive betrayal and the law breaking servicer/lender who is foreclosing on my house. I fell behind in my payments after the economic crisis that affected alot of homeowners in this country. My employer was n't doing well cut my hours and was not able to make my mortgage at that time. In XXXX of this year my circumstances improved where I could modify my loan so I contacted the bank and they told me I was eligible because I was not residing in the property but that I could do a short sale. After 2 months of sending them short sale/loss mitigation documents they requested they posted my house for sale. I later filed a bankruptcy and later was dismissed. I have been trying to get the servicer to assist me in my short sale but they are always giving me the run around since XXXX of this year. I filed a short sale loss mitigation application AGAIN with the bank in XXXX 2015 and XXXX XXXX 2015. I ask CFPB to investigate my servicer/lender whom is not only violating the law but acting in bad faith. They are telling me they will consider the short sale but will not stop the sale. That is DUAL TRACKING. They need to stop the sale date and decide on the short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them ). I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


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

Formal Dispute and Demand for Investigation Account with XXXX Bank ( formerly XXXX XXXX  ) Account Information : Routing/Account Number : XXXX / XXXX Dear ChexSystems Disputes Department XXXX This is a formal dispute regarding inaccurate and unverifiable information related to my account with XXXXXXXX XXXX XXXX formerly known as XXXX XXXX  XXXX as listed in your report. The following issues violate federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Discrepancy in Charge-Off Amounts : XXXX XXXX  claims the charge-off balance for this account is {$1400.00}, yet ChexSystems has reported the balance as {$1400.00}. This inconsistency demonstrates a failure to ensure accuracy in the reporting of information, in violation of FCRA 1681e ( b ).

Failure to Verify Debt : Despite prior requests for validation, XXXX Bank has failed to provide me with a copy of the original signed consumer agreement or any documentation substantiating the existence and validity of this debt. This failure violates FDCPA 1692g ( b ) and renders any continued reporting of this account improper.

Given these violations, I demand that ChexSystems take the following immediate actions : Conduct a thorough investigation : Verify the accuracy of the reported information by obtaining documentation from XXXX XXXX  ( formerly XXXX XXXX  ), including a detailed breakdown of the charge-off balance, itemized fees, and any adjustments. 

Request proper validation from XXXXXXXX XXXX XXXX XXXX XXXX XXXX provides the original signed consumer agreement or other legally sufficient documentation to substantiate this debt. 

Correct or delete inaccurate information : If the reported discrepancy can not be verified or resolved, ChexSystems must delete this account from my file, as required by FCRA 1681i ( a ).

Failure to resolve this matter promptly will leave me with no choice but to escalate the issue through the following channels : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) : ChexSystems ' failure to comply with FCRA guidelines will be reported for investigation and resolution.

Notify state and federal regulatory agencies : I will report this to the Federal Trade Commission ( FTC ) and my state attorney general.

Pursue legal remedies : I will explore all legal options, including seeking damages for the reporting of inaccurate and unverifiable information. 
I expect ChexSystems to fulfill its legal obligations and resolve this matter within 30 days. Please provide a written response confirming the results of your investigation. All correspondence should be sent to the contact information listed above. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a phone call from Quicken loans regarding refinance of my mortgage on XX/XX/19. Explicitly stated I did not want my credit pulled. Asked me to confirm my DOB to pull up my credit profile, was never told this would result in a hard credit pull. Tried to resolve with Quicken but was told this is how they confirm consent. Also pulled my wifes credit despite her not being on the phone and myself never confirming any of her identifying information. The loan officer who pulled credit was XXXX XXXX and the person I tried to resolve with was XXXX XXXX.
Product: Debt collection

Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of XXXX XXXX and disclosed I made a recent payment while account was in collection, complete false. XXXX XXXX can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
Product: Consumer Loan

Took out loan using car as part collateral, lost job claimed bankruptcy signed a reaffirmation for the loan.Signed up for automatic deductions from my checking that they take out every month, they are trying to collect money from before the agreement I spend endless time I get it straightened out for about a week then a different number starts calling. Some calls are threatening
Product: Credit card

Details of the Complaint : I am submitting this complaint regarding Chase Bank 's refusal to fulfill a {$300.00} statement credit offer that I qualified for. The issue arises from Chase citing an internal policy that was not disclosed to me as a consumer when I accepted the offer. This internal policy contradicts the explicit terms and disclaimers within the offer details provided at the time of acceptance. 

On XX/XX/year>, at XXXX XXXX  CST, I spoke with a Chase representative for a total of 16 minutes to address this issue. During the call, I clearly outlined that I had met all the terms and conditions of the offer and requested for the matter to be escalated. I explicitly asked that the escalation ensure I am provided the promised {$300.00} statement credit in alignment with the offer details and disclaimer. Despite my efforts, I have yet to receive confirmation that Chase intends to resolve this issue. Furthermore, Chase 's system claims that I did not add the promotional offer to my credit card in time. However, I distinctly recall adding the offer to my profile on the same day and prior to the qualifying purchase being made. 

Key Points : The offer clearly outlines the conditions for earning the {$300.00} statement credit, all of which I have satisfied. 
The internal policy Chase references was not disclosed in the offer details, disclaimers, or during any communication prior to my acceptance of the offer. 
Chases refusal to fulfill the credit is both misleading and contrary to the terms presented to consumers. 

Supporting Documentation : I have attached the following documents to support my claim : A copy of the original offer, including terms and disclaimers. 
Communication records between myself and Chase, including their denial of the credit. 
Proof of my compliance with the stated offer terms.
Product: Debt collection

General Business Recovery. This account is closed with a XXXX balance, how can I miss a payment when there is a XXXX balance.
Product: Credit reporting or other personal consumer reports

I have called Experian almost 7 times in the last 5 months to have them remove a bogus mortgage loan off of my credit report. They are showing a mortgage loan for " XXXX XXXX XXXX XXXX '' which is only available to residents of North Carolina. I have lived in Florida since 1978 so it's not possible for that to be my mortgage loan. 

This error has caused me to be unable to purchase a property in Florida for me and my children and is no doubt doing harm to my credit profile.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent infomation being reported on it, I have found fraudulent accounts 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 XXXXXX/XX/XXXX