23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove these items right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

I went to the wells Fargo bank branch personally in XX/XX/2023 at XXXXXXXX XXXX located at and tried to make a cash deposit and the cashier received my money for an amount of XXXX so she did not give me a receipt, she did not add the money to my account and instead that she made me a withdrawal of XXXX $ which I did not request and she did not give me that amount at all. Now is missing XXXX $ of my money. When I went to the bank on Monday to claim, the manager without reviewing any document or checking anything at all, he told me that they do not receive claims and that they had no money left over on the day that I indicated and I had to leave without receiving any help, I also called the customer service of bank to file the claim. I wait 10 businees day and they denied me the claim without explanation. Thank you in advance for your help.
Product: Debt collection

Good afternoon. My name is XXXX XXXX XXXX. I am writing to submit a complaint on American Express and XXXX XXXX  XXXX. My father, XXXX XXXX was the actual owner of the account. I was the authorized user. No a joint account holder, an authorized user. My father passed away on XX/XX/XXXX. Shortly there after, American Express contacted me and forced me into taking over my father 's account. I never signed anything, but they made me feel worried and scared, obligated to take over my father 's account. Nevertheless, I took over the American Express account and I would make my normal monthly payments. I attended school at XXXX XXXX XXXX and graduated in XXXX. Then in XXXX, XXXX of XXXX to be exact, I had a XXXX XXXX XXXX which caused me to be out of work for sometime. Due to that XXXX I feel behind on my payments. I tried to get current on this account but I was unable to. I gave up on this account because I felt like I was drowing in a glass of water. To make a long story short, American Express decided to sue me through XXXX and XXXX. The amount of stress and XXXX  that this case has caused me has been enormous. Beginning with that I have had to begin taking four different types of XXXX XXXX and XXXX XXXX. XXXX and XXXX have me listed as the primary account holder. When I tell them the actual issue, they say they are unaware of anything. I am submitting the emails that I received and the emails forwarded to XXXX and XXXX. I am asking you to please assist me. I can not pay on this account and now I am being forced into declaring XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : XXXXXXXX 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 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 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 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
Product: Vehicle loan or lease

I believe my car was wrongfully repossessed. I was making payments on my car and NEVER was contacted about my car being in repossession mode. Usually, Chrysler Capital would call and give me a warning but they did not. I made a payment of about {$150.00} this week towards my car. And I noticed online it said I had a balance over {$3000.00} but the minimum payment would be {$600.00} and it was due XX/XX/XXXXXXXX XXXX I also don't believe certain Indiana and Federal Laws were followed regarding my car being taken. Well under 15 U.S. Code 1692f - Unfair practices because I have an agreement with Chrysler Capital, not the Tow Company. And this was a non-judicial order. Their in violation of 15 U.S. Code 6802 for disclosing my information to a third party I am not aware of. I had to call and find out where my was located. I offered them the opportunity to reinstate my loan. but they refused. And they couldn't explain to me why car was repossessed while I was in the process in making payments. I honestly thought I had until XX/XX/XXXX to take care of this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Searching for a hotel room on the XXXX website I came across a banner at the bottom of the web page which offered a {$200.00} statement credit after 1st purchase. I clicked on the banner and was redirected to a site where I applied for the credit card. After receiving my 3rd statement, I called to inquire as to why I had not received the {$200.00} statement credit ( the promotional offer ) that had convinced me to apply for the card. The first person I spoke with said that they could only put in a request to look into the matter. I then asked to speak with a supervisor. The supervisor I spoke with said they could only provide me with another offer, which was XXXX reward points. I explained that the promotional offer they were trying to offer me was not the original offer that had convinced me to apply. So, I requested to speak with their supervisor and was kindly connected. The third person I spoke with, XXXX XXXX in XXXX, claimed that they could not " downgrade '' me to the original promotional offer because of policy. I explained that it is frustrating to be offered one thing and then given another. I asked her if I could speak with her supervisor and XXXX 's response was that her supervisor was " not a phone supervisor, '' so I asked how I could get a copy of the transcript of the conversation. XXXX 's response was " with a subpoena. '' It is exceedingly disappointing that Chase would use bate and switch tactics. It is clear that Chase would rather have XXXX provide me with a promotional offer of XXXX points as opposed to Chase having to provide me with the {$200.00} credit statement. However, the most appalling part was that I was antagonized to take legal action by XXXX XXXX, this type of conduct is irresponsible and unbecoming of a customer service supervisor. My prayer is that Chase honors the promotional offer that convinced me to apply for their card and that both XXXX and especially Chase take the time, effort and resources to deliberate if this is how they wish to treat their customers.
Product: Credit card or prepaid card

Experian shows credit cards on its website to apply for. I applied for XXXX credit card and was approved. XXXX sent me a card, but I was unable to activate it. I called their customer service. They said there was a hold until I submitted documents to verify who I was. I submitted the documents. I called a few weeks later. They had never called me to tell me there was a problem with one of my documents. They claimed the address on the utility bill I submitted did not match the address they had on file for me, which is not true. They sent me a bill which had a XXXX XXXX yearly fee included. I called them and said it was not fair to bill me for a card I could not use. They were unable to help me resolve the situation with my utility bill. I closed the account.

Two other credit cards on the Experian website required upfront fees of {$95.00} as part of the application process. 

I believe all of the credit cards that Experian offers are scams. I feel I would have opened these accounts, spent the money on the yearly fee, and never had a card to use. 

Experian profits from these credit card applications. Shame on Experian. 

I did email Experian with my complaint but never heard back. I also put negative reviews on a survey Experian sent me. But I think the Experian " customer service '' survey is just a ruse to identify products to offer and profit from. 

Experian is just out to make money and does not card about its customers.
Product: Debt collection

Midland Credit Management XXXX ID : XXXX Company listed above has repeatedly contacted people associated with me and most recently spoke to my mother and discussed details with her such as status of my account ( s ), informed her of the collection status and discussed amount owed. This last interaction took place XX/XX/24 about between XXXX and XXXX. 

As an adult, that is working on resolving her own issues the company has no right to contact my parent as if I was a child and provide details about my affairs.
Product: Debt collection

Good morning this is in regards to a debt not owed to southwest credit. responding to other complaint to southwest regarding XXXX XXXX I currently am in contact with XXXX and my contract is with XXXX and my payments go directly to XXXX. 

Everyday I get harassment calls from XXXX XXXX XXXX and I have asked them to stop calling. I do not have a contract with Southwest credit which is trying to collect a debt not owed to them. In previous complaint southwest sent over to you copy and paste information of XXXX which is not valid. 

I am asking southwest to remove themselves also from all 3 credit bureaus which they have to right to add themselves when in fact I am paying XXXX not southwest. 

Again I do not have a contract with this 3rd party agency
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute to experian to have the XXXX XXXX XXXX account number XXXX removed due to the 7 year statute having passed on the account. Instead of investigating and closing the account due t the statute passing, they updated the account to show a {$90.00} payment and the account is showing past due even though it is listed as a charge off/collection. I have not made any payments towards this account. I can provide bank statements to show proof of this and a sworn affidavit to show same. They also updated the date as to which the account is to be removed. The account should have been removed instead of inaccurately updated. I continue to have issues with Experian not accurately updating my report and it is significantly impacting my ability to borrow money, find a place to live, or even buy a car. Any time I file a dispute, they do not investigate, instead they update my report with inaccurate, as provided in the attached documents.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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
Product: Credit reporting

To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but equifax and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit card

Have stated to Capital One numerous times that in XXXX of 2016 they had issues with their website not to mention that I had an incorrect address on file. My payment was not accepted and they then reported on my credit report that I was 30 days past due though they refunded my fees because of this. Every single time I call I get XXXX and I am not sure they even understand what I am asking. This is my last resort to report them to remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint against XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) regarding Account Number : XXXX, based on violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 Section 602 A, the FCRA affirms my right to privacy, which I believe has been compromised by XXXX XXXX XXXX 's actions. 

Additionally, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish information regarding an account without my explicit written instructions. It appears that XXXX XXXX XXXX has provided information without adhering to this requirement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, Tx, XXXX ] XXXX XXXX XX/XX/XXXX Dear, Consumer Financial Protection Bureau I am writing to formally dispute the collection account listed on my credit report. I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. 
Disputed Account Details : Collection Agency Name : XXXX XXXX XXXXXXXX XXXX Date of entry : XX/XX/XXXX Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 
2. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
XXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 
I demand that the Consumer Financial Protection Bureau investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 
2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. 
Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Debt collection

My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
I sent a letter of verification dated XX/XX/18 to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report. 

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX to show proof of any such accounts. 

XX/XX/18, I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations. 

XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau! 

Today is XX/XX/18! Ridiculous! This all literally started in XXXX and its almost XXXX. Do companies no longer have to abide by the law?
Product: Credit reporting

in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. 
I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,
Product: Checking or savings account

I closed my account with Citibank over the phone as there are no branches where I live. While I received a check for my funds, I continue to get statements and recently was told my lack of activity would result in a dormant account charge. I have tried to fully close the account several times and the entire process started because of unauthorized activity by a bad actor on the account which Citi failed to stop.
Product: Mortgage

Applied to Citimortgage for loan modification on an existing mortgage. Filled out all necessary paperwork and provided all information as requested. 
I was first told that all the documents I sent were " lost '' - even though they previously confirmed in an email that they had received them and they were being reviewed! 
Did not hear back for weeks and was finally sent an email stating that " because of recent personnel changes, we 've assigned you a different homeowner support specialist. This transition will be seamless and will not cause any delays to the processing of your mortgage assistance application. " This has happened XXXX times and each time I receive the notice that I 've been assigned a " different homeowner support specialist '', by the time I hear back from my new " homeowner support specialist '', I am told that all or some of the information they have requested ( that I provided ) has to be resent due to the fact that it 's out of date. 
I spoke to each specialist and voiced my concern about this stonewalling tactic but the matter has not been resolved and I continue to get applications for assistance sent via XXXX. 
The bank has no intention of providing a loan modification and has no acted in good faith. 
And based on other similar complaints that I have read online, this is an intentional practice.
Product: Student loan

Hello, Deferment or forbearance exists during this period is the message I received for XX/XX/XXXX which is incorrect. I am not sure why this payment period is showing that. I did not ask or request for a deferment or for this period of time. Also, I submitted my employment verification form on XX/XX/XXXX but the eligible payment is not reflecting the processed PSLF form. I have reached out, but I have not received a response regarding this issue.