23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX Citibank closed my savings account with a balance of {$7200.00} due to not receiving a signature card ( which I had never received or told I needed to submit ). I only received a notice in the mail, even though I opted for all electronic notices. On XX/XX/XXXX I found out my savings account had been closed, and only realized this because I attempted to log into my account. I spoke with a customer service representative who told me that they did not know why my account had been closed and refused to help me further. I was told I should have received a check with the balance of my savings account ; however, this check never came. I have been in contact with Citibank since to receive this check, but they refuse to send it to me. I called XXXX times between XX/XX/XXXX and XX/XX/XXXX and was told that a check was sent to me each time. I called again in XX/XX/XXXX and was told that no one had ever sent a check to me and that they would not send me a check, I was told I would have to go to an in-person branch to receive the balance of my savings account. I contacted them again in XX/XX/XXXX and was told they would send me a check, and that it would arrive on XX/XX/XXXX. No check has arrived, and on XX/XX/XXXX I received a letter in the mail saying that the sending of my check was " under review ''. I have not heard anything since. There is not a Citibank branch in my area ( XXXX, TX XXXX and they are asking me to travel in the middle of a pandemic and can not guarantee that if I do travel to a Citibank branch that I will be able to receive my check there either. I just want the balance of my savings account so I can invest it elsewhere. They also told me that there was no way for them to see if the " initial check '' had arrived and been cashed, which I know is false as I have worked as an accountant and have many family members who are XXXX.
Product: Debt collection

XXXX XXXX XXXX , XXXX ( XXXX XXXX XXXX ) sent a letter ( attached ) to collect and settle a debt and gave me 3 options. 
The 1st options was to pay a lump sum of {$4100.00} " a 70 % discount '' The 2nd option was to pay {$570.00} for 12 months " a 50 % discount '' The 3rd option was to pay {$50.00} a month " call for details '' I chose option 1 and sent a check for {$4100.00} to settle this account which they received and cashed out. ( Attached ). 
I was sent another letter indicating I owe an additional {$9600.00} ( attached ) This is a deceptive practice and a violation of the Fair Debt Collection Practices Act ( FDCPA ) by lying and incorrectly reporting this to credit reporting agencies. I checked my credit report and this debt was reported as a charge off by XXXX on X-XX-2015 in the amount of {$12000.00} and XXXX XXXX is reporting opened on X-XX-2015 in the amount of {$13000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I received from XXXX XXXX  ( now XXXX XXXX ) an offer to upgrade my XXXX XXXX credit card to the new XXXX XXXX XXXX XXXX Card. The advertised offer was if I would upgrade to the new card I would receive XXXX points added to my XXXX XXXX account after my first purchase completed by XX/XX/XXXX. I then attempted to do the upgrade through the email on their " Upgrade Now '' button. It would not work, and I tried multiple times. I then called in to XXXX/Chase ( bank that issues the XXXX cards ) and did the upgrade over the phone. I verified with the man I spoke to that I would indeed get the XXXX points doing this over the phone. He assured me that I would. Once I received the new card in the mail I made two purchases. The first on XX/XX/XXXX for {$16.00} and the second on XX/XX/XXXX for {$46.00}. Thus meeting the requirements to earn the reward. On XX/XX/XXXX I was given a bonus of XXXX points. I never agreed to upgrade for XXXX points. The annual fee on this card is more than what it was on my old card and I was not interested in upgrading for only XXXX points. Therefore, I would have never accepted that offer. Once I saw this I called customer service and spoke to XXXX on XX/XX/XXXX. She told me they posted the XXXX points on XX/XX/XXXX and should post the additional XXXX points after the next billing cycle ( XX/XX/XXXX ). This never happened so I called customer service again on XX/XX/XXXX and spoke to XXXX. He stated I received incorrect information from XXXX, and said he would submit to his marketing department and see if they could add the additional XXXX points. He also told me the upgrade link didn't always work for their customers, so evidently this has happened to other people. He stated I would get a letter in the mail which I did on XX/XX/XXXX. This letter came from Chase Cardmember Service. The gist of the letter was that I was eligible to earn the XXXX bonus points, and the points would post in six to eight weeks. Again six to eight weeks have passed and they still have not posted. So on XX/XX/XXXX I called again and spoke to XXXX who supposedly escalated the issue to get the points added. As of this date I still have not received the points that should have posted in XX/XX/XXXX. I feel that this is false advertising. I have been a XXXX card holder for several years, and a Chase customer for even longer. I am very upset with the bait and switch that has taken place, and the lack of follow through on XXXX and Chase 's behalf. I'm hoping that this last appeal does something to bring this to their attention and get this corrected promptly.
Product: Debt collection

I declare under penalty of perjury funder the laws of the United States. If'executed outsid [ of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certiy that i am permised by FEDERAL and STATE LAW to tie this dispute 1 also understand that knowing and willul misstatements or omissions of material facts consttutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C. 1001 Additionally these misstatements are punishable as perjury under 16 U S C 1621. This collection found within my credit report are not related to any transaction that I made I alleging that a person or company- without my authorization- used my personal identilying information to apply for goods, services, or money and, was successful in creating some accounts. All is being investigated by me FTC
Product: Credit card or prepaid card

XXXX XXXX  scam email requesting {$13.00} for next month prime payment they said was disallowed by my credit card. directed to web address that collected info about my XXXX password and then my credit card. the web address was XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a fraudulent company report fraudulent account to consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX is not following The Fair Credit Reporting Act and Iwant something done about it!
Product: Credit card or prepaid card

Hi, I have tried getting a credit card for Chase credit card through XXXX XXXX on XX/XX/2022. I have XXXX credit scores and XXXX digit income but still I was denied and was not give any answer why. I tried reaching out to them but they didnt know the reason. Due to good credit score and good income, I shouldnt be declined when they are approving other consumers with similar information. They neither want to remove the inquiry from my credit card and nor want to approve it. I need help in this matter please. 

Thanks!
Product: Debt collection

On XX/XX/year>, I received an email from Halstad saying they were trying to receive payment on a debt. I called today because none of the information I received in the email was a debt I initiated or had knowledge of. When I spoke to an against, she claimed it was a loan from a bank that I never received a loan from. And that she didnt have any additional information. I requested to dispute it and informed them my personal information had been apart of a data breach not only with XXXX but also I receive a letter from the credit bureau notifying me of my info has been leaked.
Product: Mortgage

I submitted a complete modification package to XXXX XXXX, XXXX on XX/XX/XXXX. I did not receive a denial letter until XX/XX/XXXX after receiving the notice of acceleration on XX/XX/XXXX ... the letter is dated XX/XX/XXXX with a fix by date of XX/XX/XXXX ... the sale date is scheduled for XX/XX/XXXX. I hired an attorney to help me before starting the process and I am still shocked that it happened this way. I am XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account on XXXX, XXXX, and Transunion appearing on my credit report under XXXXXXXX XXXX  with account number XXXX ; XXXXXXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : 1. Reporting of a Credit Balance on a Charge-Off Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute. 

2. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my XXXX report and noticed an incorrect account that had previously been disputed and XXXX refused to delete from my account and did not properly investigate my dispute. I sent XXXX a certified mail copy on XXXX/XXXX/2019 XX/XX/2019 I also reached out to Resurgent Capital on XX/XX/2019 and on XX/XX/2019. Their response was they could not resolve the dispute because they could not find enough information on their end. They still refused to delete this and it remains on my report hurting my chances to obtain a home. 
Please see Proof attached. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX and Experian for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXX credit card account, [ account number : XXXX ], as reflected in my XXXX and Experian credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : XXXX and Experian Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : XXXX and Experian are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both XXXX and Experian have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act. 

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both Experian and XXXX, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines. 

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

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

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

I provided XXXX, Transunion and XXXX with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX XXXX XXXX ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX cc XXXX Bal. {$2100.00}, XXXX Bank XXXX XXXX {$1400.00}, XXXX XXXX XXXX. {$4100.00}, XXXX XXXX VIa Dealer XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX Bank XXXX XX/XX/year>.
Product: Mortgage

WIFE OMITTED FROM MORTGAGE : 1. All through the application process, the basis for this mortgage hinged on ALL JOINT accounts and an existing Rental property which is in BOTH names 2. Wife & I have existing mortgage ( originated in 2012 ) ( with both names ) WITH WELLS FARGO on another home in XXXX 3. Through conversations with Mortgage Consultant, XXXX XXXX, I wanted the mortgage in XXXX to be the same. 
4. ALL Supporting documentation which was uploaded to Wells Fargo include my wife : 5. JOINT Tax Returns for XXXX & XXXX 6. JOINT Bank Account Statements 7. Rental Property Lease Agreements :  In order to qualify, I needed to prove the property had been rented for the past two years. LEASE AGREEMENT CLEARLY LISTS BOTH ME & MY WIFE AS LANDLORD. 
8. APPRAISAL ( XX/XX/XXXX ) : Lists Borrower as XXXX XXXX and XXXX XXXX XXXX. WELLS FARGO ORDERED THE APPRAISAL I DID NOT. ( Uploaded ) 9. CLOSING DOCUMENTS : Mortgage ( Closing Date : XX/XX/XXXX ) Page 1. Wells Fargo lists Borrower is XXXX XXXX XXXX and XXXX XXXX XXXX Page 14. Required signatures under BORROWER are both XXXX XXXX XXXX and XXXX XXXX XXXX ( Uploaded ) 10. CLOSING DOCUMENT : Preferred Payment Plan Enrollment Form ( from WELLS FARGO ). Asking for signatures from both XXXX XXXX XXXX and XXXX XXXX XXXX. I do not need my wifes signature when authorizing automatic deductions for a utility bill which may be in my name only. Why would they require BOTH signatures here?? ( Uploaded ) Immediately following the closing my wife called XXXX XXXX and requested that her name be added to the mortgage. He was uncooperative, trying to put the blame on me. He actually made the statement ( and laughing ) that even his wife was not on HIS mortgage.which was a very sexist remark. 
Through the following weeks, this issue got handed off to different people who never offered a solution other than to initiate another refinancing-swept under the carpet. 
More red tape and bureaucracy developed when my wife called to get information regarding the loan & application. Well, since she was not on the mortgage, Wells Fargo would NOT speak to her until I signed a form authorizing her access. XXXX XXXX and ALL OF WELLS FARGO MORTGAGE OFFICERS KNOW THINGS LIKE THIS WILL HAPPEN. WHY DONT THEY PROTECT THE WIFE??? Just like it is written in Luke 26 : 46-47, Beware of the scribes, .. who devour widows ' houses I have also spoken with several Customer Service representatives, getting nowhere.
Product: Vehicle loan or lease

I have a lease for a XXXX  XXXX with VW credit. I submitted a request to buy out the remainder of the lease including the remaining lease payments and contract residual value. Because of this, I turned my lease payments off auto pay. I have already sent in the check to buy out the lease to VW credit. They were not unauthorized to debit this payment to my account and now I am sure I will have to wait several months to be credited for the unauthorized payment.

In addition, their website is extremely difficult to use. I consider myself a savvy borrower given my professional work experience. I cant imagine what the experience is with VW credit for the average borrower.
Product: Checking or savings account

I had an unauthorized withdrawal from my EDD Bank of America account on XX/XX/2023. I filed a fraud claim right away and they denied my claim. I uploaded a police report and an explanation and documentation of where I was that weekend of XXXX XXXX on XX/XX/XXXX, and they still denied my claim. It was {$800.00} dollars, and the person who stole my card information was able to check the balance two different times at a XXXX XXXX.
Product: Mortgage

West Coast Servicing took over our 2nd mortgage last year from about 5 lenders before them. They have file proof of claim as the owner of the loan. However, we have no contract with them and wanted to know if they are a legitimate company. 

They have filed a Notice of Default and continue to charge us interest and fees starting from XXXX. We have filed bankruptcy and is pending confirmation. However, the fees and interests are piling up causing us more stress. 

We wanted to know if they are the owners of the loan, and if so how they acquired the loan last year and what steps did they do to offer refinancing or loss mitigation.