23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke to a supervisor " XXXX '' on XX/XX/year> and she said she would get the collection removed. The company " XXXX '' verified that I have a zeroed out account with them. She said she was going to reach out to CREDIT SYSTEMS INTERNATIONAL to let them know I should not have a collection on my account at all. 

Ticket # XXXX Sent a ticket to the credit team to get the collection removed. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint : Failure to Properly Investigate and Resolve Disputed Account Information : I am writing to escalate my unresolved dispute regarding the inaccurate reporting of an account from XXXX XXXX ( Account Number ending in XXXX ) on my Experian credit report. Despite my initial complaint and Experian 's response, the issues remain unresolved, and I believe Experian and XXXX XXXX  have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). 
Background Information Account Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Disputed Balance/Status : Charge-off balance of {$430.00} reported with multiple errors. 
I initially submitted a complaint on XX/XX/XXXX, and Experian responded on XX/XX/XXXX, stating that the creditor verified the information as accurate. However, their investigation was inadequate, as outlined below. 

Unresolved Issues and Errors Conflicting Charge-Off Dates : XXXXXXXX XXXX XXXX correspondence states that the account was charged off on XX/XX/XXXX. 
Experian 's credit report lists the charge-off date as XX/XX/XXXX. 
This discrepancy indicates a failure to reconcile the information provided by the creditor with what is being reported. 
Multiple Monthly Charge-Offs : Experian 's credit report shows charge-offs for every month from XX/XX/XXXX through XX/XX/XXXX. 
A charge-off is a one-time event, yet Experian continues to report it as occurring monthly, inaccurately inflating the account 's impact on my credit score.

Incorrect Delinquency Reporting : The account 's payment history shows charge-offs beginning in XX/XX/XXXX. 
However, delinquency was first reported in XX/XX/XXXX. This inconsistency undermines the credibility of the information being reported. 
Negative Available Credit : The credit limit was {$200.00}, and the reported balance is {$430.00}. However, Experian lists negative available credit of - {$230.00}, which is not accurate or appropriate. 
Failures by Experian and XXXX XXXX  Experian 's Investigation : Experian relied solely on the creditors verification and did not conduct an independent or reasonable investigation, as required by the FCRA. 

XXXXXXXX XXXX XXXX Response : XXXX XXXX  provided inconsistent information regarding the accounts charge-off and write-off dates, yet Experian accepted this without reconciling the discrepancies.

Relief Requested I respectfully request the CFPB to investigate the following : Experian 's failure to conduct a proper investigation of my dispute. 
XXXX XXXXXXXX XXXX provision of conflicting and inaccurate account information. 
I am asking for the removal of the disputed account from my credit report immediately
Product: Credit card

In XXXX I requested my dollar rewards be sent to me. They said they only direst deposit the check. I said OK.. I then went to the store and tried to use the commenty credit card and they put a block on it. When I called them they said that I did not send the code to me and I told them that I did not receive one. They requested via e mail a both sides of my SS number card and drivers license and a copy of a house bill. I did send them this information and they acknowledged receipt of same. A few weeks later I received in the mail a notification from them that they had unblocked my card and raised my limit to XXXX XXXX dollars from XXXX XXXX. I have been in touch with them several times via telephone and they keep saying it is still in the working progress. The told me at the start that it would take 30 days to review the information and they would get back to me. So far as of this date, no information as to the above situation. I believe that they do not want to send me the check.
Product: Debt collection

On my equivalent credit report, it says I have a delinquent account and it has significant hurt my credit score. There are no delinquent accounts on my credit report and I've not been late on any payments. I checked with transition and the other credit bureaus and they do not report what equifax reported. I'm 100 % with paying on time.
Product: Vehicle loan or lease

The auto was refinanced with another lender and the loan with Stellantis was paid by the new lender. The 10 day payoff provided by Stellantis was incorrect as the new lender payoff sent was overpaid by {$210.00}. I have called three times on the status of the check. Stellantis keeps saying the check is effectively in the mail. I was told that the check was sent on XXXX XXXX, 2024. They have not given any other information on the status of the refund. They have said that they would be sending a new check as the first did not reach us BUT haven't told when the new refund would be sent nor have they contacted me to update the status of the return of funds. I call on XXXX XXXX, 2024 and spoke with XXXX, he said the check was sent. I called on XX/XX/year> and spoke with XXXX XXXX, said would send a new check. I called on XX/XX/year> and spoke with XXXX XXXX who told me the same as XXXX XXXX. None have given me the sent date of any new check. Stellantis is refusing to return the overpayment on this loan. They have made no efforts to contact me on the payback and I have to call multiple times and ask where for the return of funds.
Product: Payday loan, title loan, personal loan, or advance loan

transunion report wrong ifno which then report to XXXX  and now i can not get approval on lines of credit
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting some Inquiries on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that many Inquiries are on my reports even when it shouldn't have been to begin with considering I never gave permission nor written consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Debt collection

This account was opened by some fraudsters and I went into XXXX Stores in order to return the phones since I was able to intercept them at my home. I have called their offices as well and have tried to return the phone via mail and footing the bill of the mailing in order to clear all the situation. I was played by some time and did not get the appropriate response from the company since I was placing all my goodwill in order to solve this issue. I did not order this phones and it was the result of an Identity Theft. I was sent to collections wrongfully and know when trying to buy a home I found that this item is dinging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I was shocked when I reviewed my credit report and found late payment on the dates below : WFDS - XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment reported for 60 days in XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Debt collection

XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX 3 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of the original medical bill and two additional medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my name. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. 

Between XXXX and XXXX, this company has telephone me 8 times even though I asked them to cease and desist. Today, XXXX, this company called my employer. 

This company has not provided either my spouse or me with a copy of a signed contract that we owe them any money. Nor have they provided us with a copy of a signed contract that they may act as collecting money for the medical clinic. In addition, they are not abiding by our requests to cease and desist.
Product: Checking or savings account

My mother passed away at age XXXX on XX/XX/XXXX. I am a trustee of her trust. I filed papers to close her trusts checking and savings accounts at Bank of America on XX/XX/XXXX. The balances in these two accounts are {$41000.00} and {$86.00} respectively. I was told I would receive the proceeds in 5-10 business days. I emailed the agent I was dealing with on XX/XX/XXXX when I had not received the proceeds. He told me it would be 5-10 more business days until I receive the proceeds. It is now XX/XX/XXXX and I have not received the proceeds.
Product: Credit card

I have had to call in multiple times to get my online profile XXXX to be able to view all of my business accounts, personal accounts, credit card ( southwest ) and credit card ( where I am an authorized user ). 

When I called in, they actually REDUCED visibility to my accounts. Then I had to call in to get me back to being able to see my bank accounts -- let alone the chase/southwest card which triggered the original call. 

I had a ticket created, where I was sold that I would be contacted in XXXX hours. However, I call in 4 days later, to be told that the ticket has not even been assigned. Meanwhile, I can not see my card info, including the current balance, awards etc. 

I also requested a credit limit increase and I they pulled my credit, and did not increase the credit ( which is poor experience and up to them ). But they did not sending me documentation for why the credit limit was not increased beyond XXXX. I mean eggs, cost XXXX, XXXX is useless.
Product: Debt collection

I got a credit alert that there is a derogatory account under my name. I called Bay Area Credit Service regarding debt collection. Name and address associated with the account were not names or addresses associated with me. They told me I should contact the credit bureau. I contacted XXXX and had those names and addresses that were not associated with me to be removed from my credit. I contacted XXXX again today regarding issue and they told me I needed to file a fraud complaint.
Product: Checking or savings account

On XX/XX/XXXX while out of the country, i received and email from Citibank stating my account will be closed and now its restricted from any use. I've contacted Citibank the same day as i was out of the country without any access to my funds to get more information and No information was provided. As stated previously, i was also NO longer was able to use any of my funds and to log into Citibank online to see any information including any activity. I was told i will be receiving a letter explaining why my accounts were restricted and slated to for closure. The balance in the checking account was around {$1800.00}, and in savings account around {$650.00}. I do not know exactly as stated before, i ve opted out for electronic statements and i no longer have access to log in and view statements as they are only available online. 
Upon returning home at the end of XXXX, i contacted Citibank again, i was told again they do not have any information to share with me i should wait for a letter from XXXX team. Few weeks went by again, and i contacted Citibank again, as to when i will be receiving my funds to receive the same answer as before, " no information account and need to wait for a letter from XXXX team '' I've also asked to have account statements sent to me and that had also not been done. 
On XX/XX/XXXX i received a check for {$500.00} dollars with XXXX explanation but states in a memo " closeout disbursement '' This far less then the account balance of around {$1800.00}. I contacted Citibank on XX/XX/XXXX again and was given the same answer as above again. " no information and need to wait for a letter from XXXX team '' I've asked again to get all the funds sent out to me out of my account and i was told not sure what happened to the remainder funds and " no information account and need to wait for a letter from XXXX team '' I have contacted NY XXXX and filed a complaint on XX/XX/XXXX. XXXX had provided additional direction and to file complaint with federal authorities considering this is Federally registered financial institution. 
I have contacted Citibank again XX/XX/XXXX in the morning and again received the same answer as " no information account and need to wait to get an answer from XXXX team '' Representative had confirmed that this would be a XXXX request that had gone to the XXXX team, and XXXX others requests have been done before without any action. All Calls are recorded by Citibank i encourage regulators listen to these calls. 
as of this writing XX/XX/XXXX, Citibank is still holding my funds and have NOT returned my funds from my checking account in the amount around {$1200.00}, and Savings account around {$650.00} dollars, nor provided any information, or statements of the XXXX accounts.
Product: Debt collection

I was made aware of this debt that's on my credit report that is not mine. They gave me the wrong address where I was supposedly living at and then they gave me my parents address. Dynamic recovery solutions account number. XXXX two claims for two different amounts. Of {$600.00} and {$7600.00}
Product: Checking or savings account

SOMEONE STOLE MY IDENTITY AND STOLE MONEY FROM MY ACCOUNT WITHOUT MY AUTHORIZATION. THE BANK WILL NOT PUT THE MONEY BACK EVEN THOUGH THEY KNOW IT WAS NOT ME.
Product: Credit reporting, credit repair services, 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  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX  # XXXX, Account Name : XXXX  XXXX  # 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 crime 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 reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX  USA XX/XX/year> XXXX. XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

Dear Experian, I recently reviewed my consumer credit report and noticed that XXXX has conducted an investigation regarding certain accounts. As a result of their findings, XXXX has removed the following accounts from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Department of Education Account XXXX XXXX XXXX XXXX XXXX Additionally, I have received a Form 1099-C from XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX and the Department of Education XXXX confirming that these debts were discharged and written off as income by their respective creditors. 

According to IRS regulations, once a debt has been canceled and reported as income via a 1099-C, it can no longer be reported as an outstanding debt on a consumer credit report. Reporting discharged debt as collectible is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( iv ) of the FCRA mandates that if an investigation determines previously reported information was inaccurate, the furnisher must promptly notify each consumer reporting agency and provide the necessary corrections. Since Equifax has removed these accounts, Experian must also update my file accordingly.

Request for Method of Investigation In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I also formally request that Experian provide a detailed description of the method used to investigate the following : 1. The Above-Listed Accounts How Experian verified the accuracy of these accounts.

The parties contacted during the investigation.

Any supporting documentation used to verify the information.

2. Dismissed XXXX  Additionally, my credit report reflects the following dismissed XXXXXXXX, which I need further clarification on : XXXX XXXX XXXX Date Filed : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Reference # : XXXX Since these XXXX  were dismissed and are not valid discharges of debt, I request the following details regarding their reporting : The method Experian used to verify and retain these bankruptcies. 
The source of this information. 
Any documentation Experian used to confirm their validity for reporting. 
Given the documented discharge of debts and the dismissal of these bankruptcies, I formally request that Experian remove these inaccurate accounts and dismissed bankruptcies immediately and provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. If you require any additional information, please feel free to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. I HAVE LISTED THE ACCOUNTS BELOW. PLEASE ASSIST ME IN HAVING THESE ACCOUNTS REPORTED AS FRAUD AND HAVE THEM REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXX ACCT # XXXX 3. XXXX XXXX ACCT # XXXX