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

XX/XX/XXXX I called Elan Financial Services and I spoke with XXXX-CSR about paying off my {$300.00} secured credit card. I was advised by XXXX that she could not discuss my account as it is no longer open and due to a system update she is unable to accept any payments or see any account information including balances. She stated to call back in 2 weeks to see if the account has been updated. I advised XXXX that I had spoken with someone in XX/XX/XXXX at Elan Financial Services who advised that no account information can be given at that time and to call back. Per that representative multiple customers accounts have been in the system update status since XX/XX/XXXX. There is nothing that can be done on their end to assist me. 

XX/XX/XXXX I called Elan Financial Services and I spoke XXXX again about my account balance. She advised that my account is still in the system update and she is still unable to provide any account information. Elan Financial Services advised their customer service representatives to tell all customers with outstanding balances that accounts are involved in system update and to call back at a later date Explained to XXXX I have been trying to pay this balance for months with no success. All 3 credit bureaus are being updated and showing that I am 90 days delinquent and I am unable to resolve my account with Elan Financial Services or have my credit reports updated. XXXX understood but stated she is unable to assist me and to call back in two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, Experian reported a spurious 25 point drop in my credit score for no apparent reason. All of my credit card balances are XXXX. My auto loan is paid on time by auto debit. This credit score drop is not consistent with XXXX or XXXX. There should not be huge discrepancies in credit scores among the 3 credit reporting bureaus when analyzing the same financial data from a consumers file. I attempted to contact Experian with no success.
Product: Checking or savings account

My friend wrote me a check from XXXX XXXX  with {$1100.00} on XXXX. He forgot to write my name on the check. I deposit the check into Citibank on XXXX XXXX. Citibank hold the money and refused to send the money back to XXXX. I called to Citibank multiple times. They insisted to say if I want the money back to my friend, XXXX needs to claim a file on that. While XXXX said the money had been charged by Citibank. They couldn't do nothing on this. So the money is hold on Citibank and I can't get my money back to my friend 's account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I contacted AD ASTRA RECOVERY SERV ( original creditor : XXXX XXXX XXXXXXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
Product: Bank account or service

Wells Fargo is not for community when we bail the banks out of their crisis what my issue is I open a checking account a year ago, I was upgrading my checking account and was told it was base on my credit score and was denied not on XXXX XXXX or XXXX so this practice is totally not fair. The location was XXXX in XXXX, Tx the other issue is with the opportunitye checking your daily limit is {$300.00} with my balance being {$5000.00} this is totally not fair now you debit card has a daily limit not my checking account My debit card was denied because with an opportunity checking account I paid a water bill for {$160.00} with a balance of {$640.00} it denied my transaction XX/XX/XXXX I went to the branch to speak with a representative and was told it was my credit score and when was the last time it check my credit totally not fair. Then I applied for a regular checking account and was denied ; I have deposit money into this bank and I want other consumer to about this practice. We live in a capitalistic system why I cant open a regular account
Product: Checking or savings account

I am executor of my Moms estate. I deposited the funds ( around {$250.00} k ) in a Wells Fargo checking account. I am trying to distribute to heirs. WF will not allow more than {$75.00} k to be transferred per month. They are illegally retaining the estates assets. I have discussed with them. They refuse to allow larger transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 the credit bureaus 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 remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent account that has recently appeared on my credit report. I demand an immediate and thorough investigation into this matter, and I expect the prompt removal of this erroneous information from my credit file. 

I want to make it explicitly clear that I have not opened or authorized any such account, and the presence of this fraudulent entry is not only damaging to my creditworthiness but is a blatant violation of my rights as a consumer. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that you conduct a swift and thorough investigation into the origin of this fraudulent account and provide me with detailed information regarding how it was allowed to be included in my credit report. I also insist on being informed of the steps you are taking to rectify this situation and prevent such inaccuracies from occurring in the future. 

Moreover, I expect the immediate removal of the fraudulent account from my credit report while your investigation is underway. Failure to address this matter promptly will compel me to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I anticipate your urgent attention to this matter and request that you provide me with written confirmation of the actions taken to rectify this issue within 30 days of receiving this letter, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Credit card or prepaid card

I purchased some items on XXXX and used a new comenity account. I want o make payments electronically. When you go to the comenity sight they require your checking account information i.e. Routing number and account number. I will not for security reasons give that to anyone. I wanted to make a full balance payment using PayPal. I had already agreed to go paperless before I found this out. If I ca n't pay it electronically I wo n't pay it for safety.
Product: Credit reporting or other personal consumer reports

They [ XXXX ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXXXXXX of XXXX. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

I observed some negative entries from Cal Business Bureau and  they said that I owe this debt and is unable to verify that it is my debt
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not have any dates and times at the moment but the company has been calling me for years trying to collect a debt. I got so frustrated that I was willing to make payments on the debt but was told by the company I would need to pay in full.
Product: Credit card or prepaid card

I wanted to dispute an charge on my car for amount of {$340.00} from Bj 's XXXX. The charge was for XXXX and glasses, the XXXX XXXX  result was incorrect as I later went to another doctor, the fee also include an pair of glass which I was told to be ready in 2-3 Weeks and they will contact me once it's ready. 40 day passed by no call, then I tried to contact Bjs they told me it was ready but I never got the call ( They said they have contacted me mutiple time already ). They refused to refund. I have proof of phone call history where bjs never contacted me once!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  Lockhart and morris mont, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.I tried yo buy a house I realize this was on my credit report and it is deformation to my character.
Product: Checking or savings account

E Trade locked my account because they flagged it as " suspicious ''. I called them XXXX time over the course of XXXX months. Every time I provided all documents they requested. Every time they promised the issue will be fixed. I heard nothing from them all three times.
Product: Checking or savings account

On XX/XX/2018 I was married to XXXX XXXX XXXX, the man with whom I share a Chase account and a Chase mortgage On XX/XX/18 I made an ACH deposit for a venue run by XXXX events for the rental of a cmvenue for a birthday party On XX/XX/18 I wrote a check to XXXX XXXX XXXX   for their services as actors for a murder mystery party for my best friends XXXX birthday party. The words " murder mystery party '' were in the memo. 
On XX/XX/18 I applied for a name change with the secretary of state to legally change my last name to XXXX On XX/XX/18 I tried used my Chase Sapphire Reserve card to purchase dinner, and the card was declined. I also tried to use my debit card with the same result I assumed this was related to my name change so I went to a Chase branch immediately with a copy of my marriage certificate and the receipt from the secretary of state office in an attempt to resolve the issue. The teller looked at my account info and said that the issue with my account was " above her pay grade '' and gave me a number and a case number. I called the number and was asked if this was regarding a letter that I was told I had received. I have not received a letter. I explained that I did not have a letter and I assumed this was related to the name change. 
I was told that Chase has decided to no longer do business with me. They are cancelling all of my accounts. I was told the decision is not reversible. I do not have any negative balance. I have not deposited large amounts of cash. I have not sold any points or opened any accounts. I have read through all of the possible reasons Chase could have used to close my account and none apply. The did not call me regarding any issue, so for them to just close my account was compromised preposterous. I'm certain this was just a misunderstanding relating to the murder mystery check or my name change. I really wish they would reconsider.
Product: Debt collection

Under the Fair Debt Collection Practice Act, Medical Business Billing did not afford me the opportunity to validate or dispute a debt by not sending the appropriate statement via United States mail to my home address. There has been no verbal contact with this company until I made contact, speaking to XXXX, XX/XX/XXXX. 
Through credit monitoring, I received notification of a negative collection item by Medical Business Billing for {$100.00}. Medical Business Billing had never contacted me ; in fact, the account was with XXXX for {$150.00}, yet XXXX called doing the time XXXX had contacted me for payment and {$55.00} paid to XXXX, leaving balance of {$100.00}. 
Upon calling XXXX XXXX after notification of collection activity, the account was sent to Medical Business Billing on XX/XX/XXXX with no updated phone number for contact per XXXX, supervisor, XXXX XXXX. 
I was advised by XXXX at XXXXXXXXdical Business Billing, once the {$100.00} is paid, the collection would come off my credit report ; however, he would not send information discussed in writing. 
This company is playing by its own set of rules not congruent with FDCPA.
Product: Debt collection

Beginning XX/XX/2019 Blitt and Gaines began garnishments which have been taken from paycheck and they state I owe XXXX. I have reached out multiple times with no response, this debt is inaccurate and was removed from my credit report years ago as it was resolved and not mine, but my ex-wife. This has been extremely disappointing and I can not afford to have this being taken out of my check, but employer has to based on your garnishment order.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of the bankruptcy notation from my account. I have already initiated contact with the court, and they have clarified that the bankruptcy information in question was not disseminated to the creditors and was acquired by a third party. I kindly request your assistance in rectifying this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done nothing to correct the erroneous information reporting on my Credit Report! I previously sent a dispute letter addressed to the Credit Bureaus on XX/XX/XXXX requesting to correct the accounts and information being presented on my Credit report but it is clear that the Credit Bureaus have ignored my written request. I am now submitting this CFPB complaint to request the Credit Bureaus that they remove the disputed items completely from my Credit Report since they are unable to verify the authenticity of the items in dispute. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. I need the following items deleted as soon as possible : 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 USDOEXXXX XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$330.00} USD. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.
Product: Mortgage

Wells Fargo is not abiding by the CARES Act as well as the other mortgage company I submitted prior! They are all like robots randomly calling me and sending the same redundant letters over and over again. It is exhausting and ridiculous! They all tell me I MUST repay all of the 90 day forbearance at one at the end of 90 day period. They are also not to report the bureaus at all nothing for 90 days. They are not reporting me late, but they are reporting my balances higher and higher and it is dropping my score substantially this is a double edged sword and a NIGHTMARE! Help!