23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a rewards card with Capital One. They advertised that if you charge {$3000.00} within three months of opening an account, that you receive XXXX rewards miles. See link for that advertisement at https : //www.capitalone.comXXXX. I received my card on XXXX XXXX and started using it right away. I reached the {$3000.00} goal on a XXXX/XXXX/XXXX charge. When I inquired today, XXXX XXXX, XXXX, why I had n't yet received my rewards miles, they told me that they considered the account to be opened on the date I applied for the card which was on or about XXXX XXXX! It did n't matter that it was n't received or activated until XXXX XXXX. If what they are saying is correct, then you really do n't have three month 's to reach the {$3000.00} goal because it takes them two weeks to send you the card! No place on their advertisement did it say that the three months started when you applied. And if they do have it somewhere, it is VERY WELL hidden! 

I 've had many rewards cards before and this was NEVER the case. An account does n't exist until your card is received and activated. The XXXX in rewards is supposed to be worth {$400.00} and they now say I am entitled to nothing.
Product: Debt collection

Debt Collector  has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before  Debt  Collector reported this debt negatively to the credit bureaus.
Product: Debt collection

I took the liberty of providing all of the credit reporting agencies a copy of your response letter, settlement letter, and settled in full letter. This information proved that account number XXXX was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. Therefore did not constitute a reason for that account to be included on the credit reports. 

On XXXX XXXX, XXXX I received a letter notarized stating that my vehicle was secured by a personal loan account number XXXX on XXXX/XXXX/XXXX with CitiFinancial and since the account was satisfied CitiFinancial were releasing the lien on the vehicle. 

I never used any vehicle for collateral for the loan that was opened under account number XXXX that was opened in XX/XX/XXXX. I never opened an account with CitiFinancial in XX/XX/XXXX nor do I have a vehicle to use for collateral. Because all of this information is illegal, fictitious, but was also notarized, I would like for you to provide me with the contract for this loan including but not limited to : the vehicle that was used for this loan as collateral and the forms that I signed for this loan on XXXX/XXXX/XXXX. 

After speaking with XXXX in customer service today at XXXX, I was informed that this personal loan, with the vehicle as collateral, was opened in XX/XX/XXXX, this is what 's being reported for the account # XXXX ; but is being reported under a different account number, XXXX with the XXXX credit reporting agencies. 

I would like for CitiFinancial to honor their agreement to delete all information pertaining to account number XXXX and to not be used for the new account number. I would like for CitiFinancial to report the truth, that account XXXX was opened and closed on XXXX XXXX, XXXX. I would also like for CitiFinancial to not create fictitious information to damage my credit and have me to continue to have high interest rates! 

The XXXX and Consumer Financial Protection Bureau will be contacted about these issues. I hope that you will make it a personal interest to resolve these issues immediately. 

I have enclosed credit reports from XXXX and XXXX. I was unable to print XXXX, but the information is the same, and a dispute has been initiated ( Confirmation # XXXX ). I have also enclosed Response Letter for XXXX, Settlement Offer Letter, Satisfied Letter, and Notarized Release of XXXX XXXX and the If you have any questions or concerns, please feel free to contact me at XXXX. 

Thank You XXXX XXXX XXXX XXXX, XXXX XXXX Enclosures
Product: Debt collection

I am writing to dispute the accuracy of a collection account listed on my credit report under the account XXXX XXXX XXXXXXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

On XXXX XXXX i was in a store & shortly after leaving i recieved a text about a transaction i responded with the answer no & shortly after recieved a call allegedy from the instuition it displayed the number & the security questions asked when contacting the instuition & my card was cancelled because the transactions were fraudulant but my money wasn't replaced because an investigator claims i initiated the transaction when i was clearly a victim of fraud they were the amounts of {$1300.00} & {$39.00} transaction fee
Product: Mortgage

XXXX XXXX XXXX paid both halves of my property taxes together, rather then in halves when the money was available. In XX/XX/XXXX {$2600.00} was due for my property tax, and {$3300.00} was in my escrow acct. XXXX sent a check for {$5300.00} which paid both halves the XXXX amount and the XX/XX/XXXX half. The resulting - {$1900.00} balance in my escrow didn't stop this Escrow Department from issuing another check 13 days later for the correct amount then due {$2600.00} increasing my negative balance to - {$4100.00}. The County cashed the full payment for {$5300.00} and sent the 2nd check back. XXXX Suspended my XX/XX/XXXX payment without cause or explanation. Then applied my XXXX payment to XXXX, declared me in Default late 30 days, and began sending certified letters and billing for inspections never conducted. I spent hours on the phone with XXXX or Consumer Advocate in XXXX, and he agreed we had not missed a payment, and should not be getting default notices. The account was transferred to SPS and for reasons I can't understand, they don't see the XXXX suspended funds as having an impact. The first 2 copies of my Account History of my XXXX Account were furnished to me through SPS and were obviously doctored. They read from the bottom of the page up, and have cut + paste shadows.
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Please delete the items as soon as possible. 

Fraudulent inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My SEARS Master Card statement with statement closing date XXXX/XXXX/2016 for SEARS credit card shows a new balance in the amount of {$250.00} with a payment due date of XXXX XXXX, 2016. On XXXX XXXX, 2016 I paid the amount of {$250.00} in cash at SEARS store located at XXXX XXXX XXXX located in XXXX XXXX NY, XXXX. I will enclosed a copy of the payment receipt. The receipt date located on the bottom left corner of the receipt shows a date of XXXX/XXXX/16 as well as a copy of journal display printed by a SEARS associate for that point of sale showing XXXX as the payment timestamp. 
I received a text message on XXXX XXXX to call Citibank about my Sears account at XXXX. I promptly called and a representative told me that my account is overdue. I explained to the representative over the phone that I have paid it in full and I have the payment receipt. The representative directed me to fax the receipt over to the investigation department at XXXX XXXX. Then I called to make sure that it was received. Since XXXX XXXX 2016, I have been calling every other day to check on the status of the account. The representative talks to me as if there are no notes on the account about telling the bank that I have already paid, faxed the payment receipt and an investigation is under way. When I ask about a case number or a reference number to this matter, I am told that they ca n't give it to me. Last time I called was on XXXX/XXXX/2016 at around XXXX XXXX XXXX. I was told that my payment is still overdue. Frustrated and worried, I decided to go back to the store again. I showed the manager at the store my receipt. She kindly called the credit department with the store information and the receipt information and she was told that the account was credited on XXXX XXXX, 2016. Because now I do n't trust what I hear anymore, I called the XXXX number on my card and listened to the automated account information and indeed it mentioned that the payment was received on XXXX/XXXX/2016. The payment posted date is 17 days after I actually paid at the store. 
According to page XXXX of the credit card statement which reads as follows, Payment other than by mail. 
In store ( where Available ). 
Any payment in proper form accepted in-store will be credited as of that day. 

This means that I have honored my obligation and paid in full a day before the payment due date not 17 days later The Bank refuses to 1- follow its own published rules on page XXXX of the credit card statement and change the payment posting date to the date of payment at the store. 
2- Reverse the LATE FEE although payment was NOT late 3- Reverse the Interest Charges although the entire balance was paid in full before the due date. 
Because the bank does n't admit to its errors, I am concerned that it will report my payment as late to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I was charged for video content with a Creator under contract by XXXX. After 9 days and had not received goods paid for in full {$140.00} on XX/XX/2023 in 2 payments. {$80.00} & {$65.00}. When I requested my money back, they refused then immediately locked me out of the account on false accusations, blocking me from access and using extortion intimidation techniques to regain access. I refused to be bullied and requested over 10 times between the Merchant and Chime Bank where I have my account. I have overwhelming proof and refuse to honor a very simple charge back as described in XXXX consumer protection policy which was violated numerous times for HUNDREDS of dollars. XXXX is a dishonest organization as is Chime Bank as they have offered ZERO proof or reasoning for their wrongful denial as I've requested. Their decision came within a few hours... Even before I had the opportunity to submit all the documentation. It's as clear and simple. I paid for goods that were never sent to me or received by me. This is pure Fraud. I'm not even asking for everything I SHOULD get. And neither of these companies are loyal or professional
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22, I sent a dispute letter to XXXX, Experian and XXXX asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.
Product: Mortgage

In XXXX we bought a condo and used XXXX XXXX. In XXXX ( I believe ), PHH mortgage bought or otherwise took over servicing the loan. 

The condo is now for sale and has a contract. The Title search has revealed that PHH neglected to file the correct paperwork. This means we do not have clear title and can not sell the condo. This is beyond unacceptable. 

Further, I've been spending a great deal of time on the phone with their customer service team - including the so-called " Escalation Manager ''. These people refuse to help in any way shape or form. 

My contract is past due and at risk of falling through because PHH mortgage 's off-shore customer support team ( it's a stretch to call them " support '' ). 

I'm sure PHH would be willing to fix this problem if I ( or the Closing Officer ) could simply talk with the correct person. 

This is definitely a matter of gross negligence on the part of PHH. One would think that they would be more interested in fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states that I have a right to privacy 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

also, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX  Reference # : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX
Product: Checking or savings account

I submitted 2 wire transfers between my Bank of America checking account and my XXXX  brokerage account. I have successfully recently completed the same wires. One wire was for {$1000.00}, and one was for {$990.00}. Bank of America told me the wire transfer successfully went through, but the funds are not in my account. I called XXXX and gave them the transaction numbers, and they said they had not received them. I then called them back, and they informed me I had to pay a {$25.00} fee for each wire to initiate a trace. I didn't even know they could lose money while wiring it to myself when I had just completed one successfully a few weeks back. This amount is the vast majority of my paycheck, and I now do not have access to it.
Product: Debt collection

Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency.
Product: Debt collection

I ask when did the credit account closed. I was told in XXXX. XXXX to now XXXX is pass the statue of limitation of 4 year to file lawsuit. The person told me the 4 year statue of limitation does not apply to them because they are not a debt collector. They are a litigation and taking me to court and statue of limitation does not apply to them. 

its says on website XXXX XXXX XXXX  # OldDebts Old ( Time-Barred ) Debts Debt collectors may not be able to sue you to collect on old ( time-barred ) debts, but they may still try to collect on those debts. In California, there is generally a four-year limit for filing a lawsuit to collect a debt based on a written agreement.

Does the statue of limitation not apply to mitigation, can they file lawsuits even pass the 4 year statue of limitation?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX La XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reporting A hand request a thorough investigation into these inaccuracies, as required by Federal Law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputes properly. Reinserting previously disputes and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card or prepaid card

During the period where they had issues with being able to make payments I decided I wont do business with them. I had a remaining balance of {$54.00} I paid this and locked the card thinkin that would be the last time I would have to be bother with them. In XXXX I noticed a balance of {$6.00} thinking maybe I forgot to pay it I paid this. I cancelled the card in XXXX the current balance is now {$36.00}. I called to try and have these fees waived they offer XXXX which doesnt make sense given I made XXXX payments where I thought the balance was paid only to be charged fees 2 days later.
Product: Vehicle loan or lease

On XX/XX/XXXX My leased XXXX XXXX XXXX was towed for unpaid parking tickets. I was on a payment plan with the XXXX XXXX XXXX, however I was unaware that the payments weren't automatically deducted from the original form of payment so they were never withdrawn from my account. 

I went to the XXXX XXXX XXXX  XX/XX/XXXX to pay off the tickets when they notified me that in order to do so I would need to provide XXXX documents because I am leasing the vehicle. They stated that I would need a certified copy of the title and a notarized lessor letter from the lessor. 

I called Chrysler Capital, the bank that I am leasing the vehicle through and initially they refused to send both documents to the XXXX XXXX XXXX  the reason for that was simply explained to me as : " We don't send documents '' I returned Friday, XX/XX/XXXX to the XXXX XXXX XXXX. I explained to them what I was told, and they informed me that they work with Chrysler Capital often and they have sent them documents in the past, that this incident isn't the first time this has happened with a leased vehicle and I need to be assertive in my request. 

Since then I have been back and fourth with Chrysler company for almost a month. They are still refusing to send me the information I requested although, I have explained the vehicle can be legally auctioned after 10 days by the XXXX XXXX XXXX. They have sine stated that they would have to pick the vehicle up themselves and that it is a process and they can not provide me with a timeline. My car payments are up to date and I do not owe them anything until XXXX. They have also threatened to see this as a repossession on my end, which would then negatively impact my credit, although I am up to date on my payments. I visited the XXXX XXXX XXXX  again, XX/XX/XXXX and was able to get a sales hold placed on the vehicle until XX/XX/XXXX. 

I have spoken to multiple different representatives from Chrysler Capital, some who have tried to assist me and some who have not. I was contacted by the dealership, because my lease is ending and they were trying to help me with my lease to buy option, however once I explained what was happening I was asked to come to the dealership. The dealership also tried to contact Chrysler Capital on my behalf and was told the same information. 

On XX/XX/XXXX, I received a copy of the certified title by Chrysler Capital. As of XX/XX/XXXX I still haven't received the lessor letter and my car is still being held by the XXXX XXXX XXXX. Everyday the vehicle is accruing fees by the impound lot. Everyday I am out of a vehicle, because they are refusing to send the XXXX XXXX XXXX the information they need. Everyday, I am coming out of pocket to pay for transportation when I have paid to use my vehicle that I can not get. I need help, as I feel like this is definitely not right. The individuals I've spoken to from the XXXX XXXX XXXX  and the dealership have expressed concern that they are trying to take the vehicle from me as the lease is almost over. 

I really need help regarding this as I feel like Im being held XXXX.
Product: Credit reporting or other personal consumer reports

Someone used my information to apply for credit and car loan