23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out to Sequium Asset Solutions and requested validation of the debt from XXXX 3 times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.
Product: Debt collection

I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit. I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.
Product: Credit card or prepaid card

1. On or around XXXX XXXX, XXXX I sent a XXXX XXXX to XXXX in connection with the earthquake relief. I sent XXXX XXXX dollars using my Discover card. 

2. I was unaware it was considered a cash advance or that there would be a XXXX dollar fee. 

3. The recipient did not pick up the funds after two weeks ; and XXXX refunded the funds to me on or around XXXX XXXX, XXXX 

4. On XXXX XXXX, XXXX  I called Discover Card for a refund of the XXXX dollars. They refused to provide the refund at first saying that they do not provide cash advance fee refunds for refunded associated transactions. I think that's basically and fundamentally unjust and incorrect and improper policy. 

5. They made a one time exception because they agreed I did not even know there would be a fee. Otherwise they would not have refunded the cash advance fee despite the refund of the associated charge.
Product: Checking or savings account

On XX/XX/year>, Husband XXXX XXXX and XXXX XXXX XXXX deposited two checks totalling {$3800.00} in his wife 's, XXXX XXXX XXXX  name to into their Chase account at a local Chase branch at XXXXXXXX XXXX XXXX XXXX  TX. These XXXX checks, individually valued at {$2500.00} and {$1300.00} were subsequently placed on deposit hold two weeks later on XX/XX/year>, with no notice or instructions on how to remove the deposit hold. When the husband and wife tried to access these funds after multiple visits to the branch they had deposited the check with and calls to the Chase Deposit review team, they were told that conflicting things from Chase on where the funds had went. They were told that the funds were sent back to their original issuer, when they were still in Chase 's possession with no way to access the funds. They provided the Chase branch with their government-issued IDs, proof of pay-stubs, proof of joint account ownership at another financial institution as requested by the Chase Deposit Review team , but were later told that this would not suffice as sufficient evidence, with no viable recourse on how to retrieve the funds aside from providing a verified phone number of XXXX XXXX, which once XXXX XXXX and XXXX XXXX provided, was unable to be verified by multiple Deposit Review team members .
Product: Credit card or prepaid card

In XX/XX/XXXX, I accepted an offer from American Express to 'upgrade ' my 'XXXX ' XXXX  [ which has no annual fee ] to an 'XXXX XXXX ' card which has an annual fee of {$95.00}. Included with this offer was the promise of XXXX Membership rewards points if I spent {$2000.00} on the card within the 1st 3 months. 

I spent the required amount on XX/XX/XXXX and paid the annual fee ( which AMEX prorated to {$41.00} ) which posted on XX/XX/XXXX. AMEX then issued my the XXXX Membership rewards points. 

On XX/XX/XXXX, I was billed the {$95.00} annual fee for the following year. Since I found I was not getting substantial benefits associated with the 'upgraded ' card, I called AMEX and had them downgrade me back to the 'no fee ' 'XXXX ' XXXX AMEX did so, and refunded most of the {$95.00} annual fee. 

However, AMEX also clawed back the XXXX Membership Rewards points for which I had already met the qualifications, via paying the annual fee for the previous year and spending the required amount within 3 months of doing so. 

I feel this is a 'bait and switch ' on AMEX 's part and I'm requesting that they restore my XXXX Membership rewards points.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Kikoff for inaccurately reporting a charge-off on my credit report despite the account being fully paid. 

On XX/XX/year>, I paid the full outstanding balance of {$85.00} to Kikoff. However, they continue to report the account as a charge-off instead of updating it to reflect that the debt has been satisfied. 

When I contacted Kikoff, I was given misleading and inaccurate information, including a false claim that because they are not a bank, they do not have to follow the same credit reporting laws. This is incorrectunder the Fair Credit Reporting Act ( FCRA ), Kikoff is required to furnish accurate information to the credit bureaus. Reporting a fully paid account as a charge-off is misleading and damages my credit profile unfairly. 

Additionally, Kikoff refuses to remove the charge-off from my credit report despite having no legal obligation to continue reporting it. Many lenders remove charge-offs after full payment as a goodwill gesture, yet Kikoff is intentionally keeping it on my file, causing harm to my creditworthiness. 

I am requesting the immediate removal of this charge-off from my credit report and for Kikoff to correct its reporting practices in compliance with federal law. Failure to correct this issue will result in further legal and regulatory escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquires I dont t recognize on my Transunion credit report. Attached is the ID theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my Equifax credit report for inaccuracies and for Equifax to send me an updated credit report. Equifax has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.
Product: Checking or savings account

On XX/XX/2021 - I have made a {$7000.00} deposit at XXXX XXXX, CA ATM, XXXX x {$100.00} bills and BoA did not credit my account. ATM said it was having difficulties, {$300.00} was credit applied. I opened a claim and Bank of America would not credit my account the {$6700.00} missing. They keep telling me they are escalating the claim, but nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ( Professional Debt ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that XXXX  put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, by way of their collection agency XXXX XXXX, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with Experian twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.
Product: Credit card

I believe the account is invalid. ONE MAIN FINANCIAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.ONEMAIN XXXX.
Product: Checking or savings account

Both of my accounts with Wells Fargo had money taken out of it due to a legal order that was placed with Wells Fargo with a person Social Security number that was similar to my wifes. I checked with the company which is XXXX XXXX XXXX XXXX, which they told me they didnt have any records of me and my wife they have taken over {$2500.00} out of my account to find out that someone from Wells Fargo put the wrong Social Security number in and didnt verify the name which is neither me or my wife now I have two hard to hard. What is it called? locks on both of my accounts and no one from Wells Fargo seems to help. We have no access to our accounts. We have money going in every day which we can not see anymore and if it is being taken out by the company everyone from Wells Fargo is hanging up on me and not trying to help.
Product: Debt collection

[ the letter I sent to the collection agency Weltman, Weinberg, and Reis Co., LPA ] - " XX/XX/XXXX To the attention of W W AND R CO., LPA For decades, my XXXX and I used XXXX and paid the total balance every month. We had a stellar account, never late on payments. Now Ive received 2 notices from your firm/collection agency saying I owe a debt that I have paid in full 2 years ago. I spent over an hour today with managers and supervisors at XXXX trying to resolve this issue. 
My husband of XXXX years passed away and in XXXX I called XXXX to inform them and close the account. They informed me that the account XXXX was only in my husbands name. They immediately closed the account. And then, I opened a new account in my name. When I asked for the remaining balance owed on my husbands account, I was told the amount and also that legally I didnt owe it. I told the representative that I had a moral obligation to pay it and paid the balance of XXXX XXXX XXXX by check XXXX XXXX XXXX  from my personal account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am enclosing a copy of the statement from XXXX XXXX XXXX XXXX bank showing the payment deducted from my account XX/XX/XXXX. 
I expect a response from you and assurance that this situation is put to rest. I should not have been put in a position of having to clear this up myself. ( The wasted hours of searching for documents, phone calls, XXXX XXXX ) SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' My phone calls to XXXX were on more than one day, being switched from one entity to another. Finally, a supervisor solved the mysterious disappearance of the payment. It was found in a different/wrong account altogether. i asked for a letter of verification but never received one. now, this week ive received another harrassing letter from the collecting attorneys. My XXXX and I have had an account since XXXX ; we paid it off monthly, no fees or interest. have a cancelled check and bank statement showing electronic debit from my account to XXXX for the full amount. 
note : my XXXX  passed XX/XX/XXXX, XXXX i continued using my personal card assuming that the account was in both our names. again, always paying it off monthly. when I called XXXX in XXXX it was to remove his name from the account, at which time I was informed it was in my husband 's name and i was a secondary user. So, the account was immediately closed after I was given the remaining balance and a new account opened in my name. once this matter is settled, I plan to close my account. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, my account was paid in full to XXXX XXXX ( City of XXXX ) and I was told by an associate that the collection will be deleted from all 3 credit bureau reports once paid in full. Experian deleted the collection the next day. Now, the collection is back on my report and I was not given the 5 day notice required by law before a collection is reinserted under the same name. Also, on XX/XX/XXXX, I received a voicemail from XXXX from the City of XXXX stating to give her a call back. She claimed in the response that we spoke and resolved the issue but Ive not spoken with her at all. I received the voicemail well after the collection was deleted, not before. So she lied.
Product: Checking or savings account

I am a XXXX XXXX living outside the XXXX. 

In XXXX, I opened a Money Market Savings account at what was then XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. I deposited money for my retirement years, and left it there, untouched. For 22 years, I have been receiving a monthly interest and monthly statements. 

In XXXX, First Citizens Bank took over my old bank. Suddenly, in XXXX, I stopped receiving monthly statements. I emailed First Citizens about the missing statements, and they replied as follows : " A monthly statement has not been produced for your account ending in XXXX because it is currently in an inactive status. Your account will go into an inactive status when there has not been any account activity within 12 months. In the inactive status, a statement will only be produced semi-annually. Your statement cycle will resume once there has been activity on your account. If you would like to have your account be made active again, please contact your local branch or make a deposit or withdrawal from the account ''. 

What? 

For 22 years my account was happily " active '' and now suddenly First Citizens decides it is inactive? 

THIS AND MORE : FIRST CITIZENS MADE MY ACCOUNT INACTIVE WITHOUT EVEN CONTACTING ME FIRST AND GIVING ME A WARNING! 

But I had more urgent things on my to-do list then, so I wired money from another bank and paid a large wiring fee. 

This year, in an attempt to preempt the problem, I emailed customer service and asked them to verify that my account will not become inactive again. Once again, I got the usual robotic response : " Your account will go into an inactive status when there has not been any account activity within 12 months. If you would like to have your account be made active again, please contact your local branch or make a deposit or withdrawal from the account ''. 

Mind-bogglingly, please note that a mere XXXX months ago, I filed a complaint with the CFPB against First Citizens Bank ( COMPLAINT ID XXXX ). My complaint was found justified, and the bank had to apologize. And now they have the nerve to claim that my account will become inactive because there was no account activity within the last 12 months!
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 3 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. 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 ; If the credit bureaus feel there is a possibility XXXX items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get fradulent accounts, fradulent addresses, names etc off of my credit report i have had no response back or any actions taken to have them removed from my credit reports as of yet or any validation from these fradulent accounts, names, etc. The following are not my accounts : 1.XXXX XXXX XXXX   acct # XXXX** 2. XXXX XXXX XXXX acct # XXXX** 3. XXXX XXXX XXXX acct # XXXX** 4. XXXX XXXX XXXX acct # XXXX** acct # XXXX** 5. XXXX XXXX/XXXX acct # XXXX** XXXX XXXX XXXX XXXX acct # XXXX** THE FOLLOWING NAME SHOULD ONLY BE ON MY CREDIT REPORTS FROM ALL 3 BUREAUS XXXX, XXXX, TRANSUNION AS FOLLOWS : 1. XXXX XXXX XXXX THE FOLLOWING ADDRESS IS THE ONLY ADDRESS THAT SHOULD BE REPORTED ON MY CREDIT REPORTS FROM ALL XXXX BUREAUS, ALL OTHER ADDRESSES ARE FRADULENT! 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX SC,XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX are incorrectly reporting a collection that was posted on my credit score from Fair Collections and Outsourcing ( based on an unjust bill from XXXX XXXX Apartments ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and Fair Collections and Outsourcing stated that they will not delete this collection from my credit report, even though I paid the collection off. Additionally, XXXX, XXXX, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. Fair Collections and Outsourcing needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score.