23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named XXXX XXXX XXXX. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, XXXX XXXX XXXX. To date my letter has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards of my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by XXXX Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. The late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. I have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. Kindly help me correct this account immediately : XXXX XXXX XXXX XXXX : {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I opened an AMEX XXXX XXXX XXXX  credit card because they gave me an offer which included {$300.00} welcome bonus by XXXX XXXX. After I finished the shopping amount which they required me by using this card, they refused to give me this bonus, the reason is I had another welcome bonus before by a different AMEX credit card. 

I am very confused. This is my first time to have an AMEX XXXX XXXX XXXX credit card and did not get any welcome bonus from their same type of credit card. Once I asked their customer service agent, who named XXXX XXXX worker no : XXXX likely ) told me I would get this bonus, but actually not. At last, when I asked their customer service again, they told me I am not qualified to get this bonus. 

I think they treat me unfair, because they promised me the {$300.00} welcome bonus while sending me the offer.
Product: Credit reporting or other personal consumer reports

The late payment in question appears on my recent credit report and does not reflect the accurate payment history. I request that you review the account records and correct the errors. In accordance with Section 15 USC 1666b of the Fair Credit Billing Act, I am entitled to protection against inaccurate credit reporting and prompt resolution of such disputes. 
Section 15 USC 1666b states : " A creditor may not report a late payment on an account, if the consumer has made all payments due to the creditor on the account within 30 days of the due date. '' Based on this provision, since my payment was made within the 30-day period, I believe that the late payment report is incorrect and should be adjusted accordingly. Please provide written confirmation of the correction once it has been made.
Product: Debt collection

Credit Acceptance ( CAC ) has levied hidden charges that added 37 percent to 68 percent to loans for customers including me, with low credit scores. After closing my account, and aggressive calling to pay a debt owed on a vehicle that is reported stolen and no longer in my possession, Credit Acceptance till this day preys on me and many pandemic related consumers.

Credit Acceptance requires many borrowers to buy vehicle service contracts that added, on average, {$2500.00} to their loans.

Credit Acceptance 's policy is to call consumers on debts and default loans almost eight times a day to try to collect. They have called me repeatedly in the wee hours of the morning. 

In addition to high costs and aggressive collection practices, Credit Acceptance has also been big in repossessions, repossessing cars in 45 percent of the loans.

When Credit Acceptance repossesses a car, the borrower must continue to pay the amount owed. That can include payments on a vehicle service agreement the borrower can no longer benefit from, illegal lending and collection practices that are predatory and illegal in several states, and harmful credit damages to many consumers across the nation.

Credit Acceptance has also raised debts for non payment thru illegal practices and policy ( including myself ) while targeting consumers with high interest rates and devastating " lawsuits '' or anything in relation to debts, loans and destroying the consumers credit thru illegal collection practices. 

XXXX an CFPB need to bring Credit Acceptance to light.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding complaint # XXXX Its been XXXX  days, and Transunion has NOT responded to the CFPB regarding my complaint. 

Transunion has failed to respond to myself via written notice. 

Transunion is bound by law to remove the derogatory item that they have furnished on my credit report. 

Transunion has failed to respond to my dispute within the 30 day time period.
Product: Checking or savings account

Theres been fraudulent activity on my account that I reported even with police evidence, however chime still cited with the scammers, and allow the fraudulent activities to remain on my account Ive lost {$1000.00} so far Im switching my payroll as we speak and closing my account f
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I would like to delete the following accounts as soon as possible because they are unauthorized accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

It let a XXXX young man stay in my home in late XX/XX/XXXX, who got a hold of my home depot  credit card. He started to use the card XX/XX/XXXXto buy himself expensive tools and power - equipments without my knowledge and also signed for the charges at the checkout. 
It was n't a big charge and I never thought that it was n't my charge. After receiving the statement I just went to pay the bill without any question. Home depot recognized that it was n't my signature but did n't let me know. When in later statements I was charged for more expensive items I called home depot and asked them to itemize the charges for me because I did n't recognize any of those. After the phone call I started a dispute against the charges.
Home depot given credit for those charges this time, but on XX/XX/XXXX I received a letter from home depot in which I was informed " we have rebilled your account and consider our investigation closed ''. 
Their decision was based, in part of the following : .... The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 

On XX/XX/XXXX I filed a police report about multiple credit card charges. 
Of all the credit companies, only homes depot who holding me responsible for the charges because " the person who used your card was living in your home, so you 're responsible ''. 

Yes, my card was used, and I was victimized by the person who used the card. 
But now I 'm victimized again by the credit company to pay for something charged by the thief and those items are not even in my possession! 

I really do n't think that it 's fair to pay for something I did n't buy or charge..
Product: Money transfer, virtual currency, or money service

I was scammed out of {$350.00} from someone who accessed my account, cashapp refused to reverse or refund the charges
Product: Mortgage

Wells Fargo fraudulently withdrawn amount from Home equity line of credit. They are able to hide this fraudulent act by not sending monthly statement during transaction period or hide that transaction completely from monthly statement. I believe that they are successfully managed and hide this fraudulent act for the following reasons : Reason 1 : They force home owners to give bank authorization to withdraw payments directly from bank. 
Reason 2 : Being a variable interest loan, consumers do not suspect if there is any increase in withdrawn amount. 
Reason 3 : There are transactions happened in the amount of more than XXXX and I do not remember seeing any transactions in the amount of more than XXXX. 
Reason 4 : Usually consumers do not check their statement regularly if it is an online statements. 
Reason 5 : They never reported to account holder or verified with Account holder if there are unusually high transactional amount. They never reported even though account never had any other transaction other than regular payments. 
Reason 6 : I also suspect that they may not have reported to IRS or federal government about these large transactions ( i.e greater than {$10000.00} as well one in more than {$50000.00} ) Reason 7 : During my conversation with Wells Fargo agents, they said that they have records up to seven years only and they wont be having any transaction details older than seven years. But I got transactions report copy from their Mortgage refinance agent that are more than 12years old transaction history that are available with them. 
Reason 8 : Wells Fargo withdrawn amount exactly to the maximum credit line and there is no overdraft happened at all Reason 9 : I filled a criminal case in my Local Town, Wells Fargo never responded to Citation issued by XXXX Judge Reason 10 : Their conversational tone during Initial contact vs after checking transaction internally changed completely. 
Reason 11 : They increased my home equity line of credit with out my knowledge Important Note : I received a letter stating that there is a settlement between Wells Fargo and Consumer Financial Protection Bureau. I called the number that they provided. I confirmed with the third party agent that issue was not resolved by Wells Fargo. They connected me with Wells Fargo and again they are not resolving the fraudulently withdrawn amount, but they are assigning from department to another. Finally, they said that all their agents are gone for day and will call back next day. It is more than three business days and I am still waiting and more over none of them want to share their ids.
Product: Credit reporting or other personal consumer reports

Last XX/XX/XXXX he submitted a complaint by this same means where exactly 60 days later I received a response completely far from reality, where they say that the information I request is EXACT, CORRECT AND VERIFIED. In the same way they say that on XX/XX/XXXX I was sent information regarding this complaint. information that to date I have not received. so I DEMAND KINDLY, that you send me a copy of said information that was sent to my. 
On repeated occasions I have tried to solve this case directly with the company and the answer remains the same, so this will be my last attempt to solve things, if I do not get the answers I requested, I will be obliged to take this to court. legal, since it is affecting my personal credit, and they are not complying with the laws set by the FCRA. 

Attached you will find the information that I disputed in the first instance exactly on XX/XX/XXXX and that to date I am still disputing with the company and I have been trying to solve this problem for more than 3 months and the answer remains the same. 

I hope that with the information attached where it is shown for my legal records all the attempts that I have with this company to solve the problem and that it is taken seriously and accurately, I will be notified of all the information in writing and by postal mail of the people with whom they verified the information, the date on which the information was verified and that the verified information is not only online but also in writing. 

The information that this company shares is completely inaccurate, incomplete or simply does not have any type of data in the system. 

As can be seen in the files sent on XX/XX/XXXX and that 2 months later they are still exactly the same and hoping they don't take 60 days again to give me an answer, the following things are incomplete : XXXX ) the account history shows inaccuracy, there are months such as the months of XXXX, XXXX, XXXX and XX/XX/2021 without data, then the account goes into collection. 

XXXX ) The Balance History only shows the months of XXXX, XXXX, XX/XX/2021 but it does not show me the previous months since the account was opened, so I demand that those months be verified and shared in my file. 

XXXX ) The account number only shows 3 digits, so the complete or exact account number with reference to this account is not found. 

XXXX ) The recent balance does not present any report. 

XXXX ) The monthly payment does not present any information. 

XXXX ) The closing date of this account is not shown in the file. 

XXXX ) The payment date for this account is not shown on file. 

XXXX ) The term of this account was 12 months, the 12 months are shown as paid then the account does not have any information and appears in collection. 

As you can see in the attached files, the information was not verified, it was not corrected and it does not show accuracy in the report, so they are violating any rights that I may have under the FCRA, so this will be my last attempt to solve this problem. with you
Product: Payday loan

I received a call from a XXXX XXXX who works for XXXX XXXX XXXX but pretentious to be a police officer. He first contacted my sister in law threathening to lock her up if she did n't pay him XXXX dollars within one hour. She intern called me. And gave me a phone number for him XXXX. I called him and he wastalking about coming to arrest me and my sister in law if I did n't pay him XXXX within one hour. He was very rude and threatening me with cursing and coming to lock my a up. I also was called from his office by a female who just impose as a court clerk. The phone number she used was XXXX which appeared to be a XXXX bogus phone #. I was threathen by XXXX XXXX and his associates which I an XXXX and have health issues that caused me to have a XXXX XXXX. And they caused my sister in law XXXX XXXX XXXX. Something needs to be done about this. A friend of mines paid XXXX to this company because of his threats. And in personinating an police officer is a crime as well as communicating threats. Please get this man and his associates. His phone number is XXXX. Help my name is XXXX XXXX my email address is XXXX XXXXXXXXXXXX.
Product: Mortgage

My mortgage company, Lakeview is overcharging me in my escrow account. In XXXX, an escrow analysis was done. I had a {$2000.00} overage. Which was mailed to me in XXXX. My taxes went down due to a reassessment and a Homestead Rebate. I mailed them the new tax bills to reflect this reduction. They paid the correct lower amounts, but never updated their system. When the analysis was done it was based on the XXXX figures. I explained they needed to update their system with the XXXX figures and do a new analysis. I spoke with the escrow department. The analysis department doesn't take or receive phone calls. A new analysis was done based on the XXXX figures, so nothing was changed. 
I called a second time and again nothing was updated. The third time I asked to speak for a person in management. The management women never gave me her name. After 45 minutes on the phone I was disconnected. I waited an hour for her to call back with no return call. I called for a fourth time again asked for a manager. I spoke to XXXX of XXXX  XXXX. She understood what I was talking about and said it would be corrected within a week. Nothing was updated even after this call. 
I called a fifth time, asked for a manager. I spoke with XXXX XXXX. He told me there was nothing wrong with the figures and rudely stated I didn't understand how it worked. Since they wouldn't adjust the escrow after this fifth call I requested that I stop the escrow portion of my payments. XXXX was still rude in the conversation and refused to help. At this point my frustration got the better of me and instead of continuing to argue the point, I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

My complaint is with Navient. In the month of XX/XX/20 I received a notice of Recertify your payment plan notice that has no money owed, document sent Navient recertify payment plan. The notice state your new monthly amount will take effect when your loans re-enter repayment. 

Navient I need to know student loans owed with original amounts dates, interest accrued and lender name. By law I am entitled to know. 

I do not owe any student loan. 

Also the {$600.00} monthly payment for 12 months amount does not represent any principal amount owed for student loans with dates and interest. The $ XXXX  monthly payment states how much Navient request only.
Product: Checking or savings account

I purchased plane tickets for my mother in XXXX with XXXX XXXX for travel in XX/XX/2020 to XXXX. XXXX canceled the flights and after much communication, they issue a refund for the New York - XXXX leg of the flight, however, they failed to issue a refund for the XXXX XXXX - XXXX leg of the trip. I opened a dispute with Chase on XX/XX/2020 XXXX Claim # XXXX XXXX and they incorrectly denied it as being authorized. I contacted Chase again on XX/XX/2020 and informed them that the transaction was indeed authorized, but that the issue was that XXXX XXXX  had not issued a refund and that they were not responding to my communications and another claim was open ( claim # XXXX XXXX. Today, XX/XX/2020, I wake up to see that the money of the dispute was once again removed from my account, ( overdrawing me ), and when I checked I see a letter saying that again, Chase had determined that the transition was authorized. This is ridiculous and unacceptable. XXXX XXXX is essentially stealing my money and my only recourse is Chase, and they don't want to help me. I called XXXX as I typed this message, and after waiting 30 minutes on the phone, they now claim that they don't have a record of this transaction, which is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries on my credit report, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me out.
Product: Mortgage

I purchased a new home in XX/XX/XXXX, and Chase is the mortgage holder. In XX/XX/XXXX, I received an escrow adjustment stating an increase in property taxes of {$3100.00}. In actuality, my property taxes for XX/XX/XXXX increased only {$27.00}. After numerous calls to  Chase, they admitted ( on a recorded line ) that they miscalculated the original escrow. They had only figured a half years taxes into the equation at time of closing. They are now asking me to pay an additional {$4000.00} in additional escrow. This would increase my mortgage payment by approximately 13 %, from {$3300.00} to {$3700.00}. I explained that this was Chase 's mistake, and I should not be asked to pay an additional {$4000.00} ( or a 13 % increase in mortgage payment ) because of their error. I have only been in the house just over one year ; this has significant financial consequences on my monthly mortgage payment, due to their mistake. I am asking Chase to fund the additional {$4000.00} in additional escrow that they require.