23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate and Incomplete Credit Report Information Under FCRA Dear Experian, I am writing to formally dispute inaccuracies and incomplete information found on my credit report as provided by Experian. These inaccuracies and omissions, which I believe violate the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, are detailed below. Given the severity of these discrepancies, I demand the deletion of these accounts from my credit report. 

Disputed Accounts and Discrepancies : XXXX XXXX XXXX XXXX XXXX Credit Card ) Account Number : Discrepancies between numbers reported on different bureaus. 
Date Opened : Reported as XX/XX/XXXX by Experian, differing from other reports. 
High Credit : Reported as {$0.00} by Experian, which is incorrect. 
Date Last Active : Reported as XX/XX/XXXX by Experian, which conflicts with other dates. 
Date of Last Payment : Not reported by Experian. 
Comments : Variance in wording and details compared to other bureaus. 
XXXX XXXX Account XXXX : Reported differently on Experian and other bureaus, with no consistent data. 
High Credit : Discrepancy in reported amounts ; Experian reports {$500.00}. 
Date Last Active : Conflicts in reporting dates, Experian shows XX/XX/XXXX. 
Date of Last Payment : Reported as XX/XX/XXXX by Experian, differing from others. 
XXXX XXXX Account XXXX : XXXX Reporting : This account is not reported on Experian, which is a significant omission. 
XXXX XXXX XXXX XXXX ( Unsecured Loan ) Account Number : Variance across all bureaus. 
Date Opened : Reported as XX/XX/XXXX by Experian, conflicting with other data. 
High Credit : Reported as {$3000.00} by Experian, differing from XXXX. 
Date Last Active : Experian reports XX/XX/XXXX, showing inconsistencies. 
Date of Last Payment : Not provided by Experian. 
FCRA Violations : Incomplete Information ( FCRA Section XXXX ) : Significant omissions such as missing dates and account numbers. 
Inaccurate Reporting ( FCRA Section XXXX ) : Discrepancies across various data points like account numbers, dates, and credit amounts. 
Failure to Provide Accurate Information ( FCRA Section XXXX ) : Inaccuracies that suggest a failure to maintain accurate and complete credit information. 
Requested Actions :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the banks associated with the fraudulent accounts. The banks have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over XXXX years. But somehow, these fraudulent accounts are still existing on my reoprt under your bureau and I'm wondering what kind of verification process have you done. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.
Product: Mortgage

In XXXX I was adjudicated to being 100 % XXXX veteran which allowed me to exempted from state property tax on XX/XX/XXXX I was informed that I was approved for exemption by my mortgage company who I had just refinanced with, they charged me closing taxes and rolled over my existing escrow totaling over {$5000.00}. In XXXX I was to be issued a check and to wait 30 days to receive that check in the amount of {$2500.00} to which I have never received. I waited 45 days for the check to arrive and called Freedom Mortgage back letting them know I wanted the check to be re-issued. I was told it would be re-issued and to wait two weeks to receive it. I waited 2 and a half weeks to receive the check and it never arrived. I called Freedom Mortgage back and they said they would issue a check again. I still have not received my tax refund check and it has now been over 3 months. I have called them and they are not able to provide my tax refund due to not having the funds in escrow. They have since sent a letter saying my payment is going up {$60.00} in XXXX due to not having enough funds in escrow due to my homeowners insurance going up and that they are going to refund me {$1600.00} and to expect any additional monies. 

Furthermore when I asked to speak with a manager they said there is no direct contact with management to resolve customer issues, and had me hold until someone came available.
Product: Debt collection

I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Debt collection

To : SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re. : SPS account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response of Select Portfolio Servicing Inc,  assertion on your proof of claim /letter dated XX/XX/2019 that you hold or a third party is the owner of the account and Mortgage of property XXXX XXXX   XXXX XXXX XXXX XXXX Fl XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed/ complete history payment from all Debt collectors used in the past 10 years 6. Commission for debt collector if collection efforts are successful.

7. Default date of Mortgage 8. Proof that the Statute of Limitations has not expired 9. Any Judgments obtained by any creditor regarding this loan 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


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

Dear CELTIC BANK/CONTFINCO, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name CELTIC BANK/CONTFINCO Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$500.00} written off. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant XXXX and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report. Thank you
Product: Checking or savings account

I contacted Citibank because of fraud charges by XXXX XXXX and ask them to stop the transaction before money is taken out. After a week of calling for an update they were unable to provide an update and the money was taken out. I provided them with the information requested including the Case No of the fraud report at XXXX XXXX. I have not received any satisfactory resolution after XXXX months of trying. Please help.
Product: Credit card or prepaid card

Sampler points XXXX {$2900.00} Down payment : {$0.00} Used three nights so far. 

We purchased a Sampler packageXX/XX/XXXX A Barclaycard was used to make the purchase. The card is only in my name but XXXX and I are both on the purchase agreement. We agreed to this purchase only because we had the agent XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX. We turned down XXXX XXXX. They brought in a second agent. 
They brought in a third agent, XXXX XXXX, who offered us the Sampler for {$30.00} dollars a month for 18 months and said there would be no down payment required. 
We repeatedly verified with XXXX that we would have NO down payment and would pay only $ XXXX for the 18-month period. The agents specifically asked us, What if it was just {$30.00} a month for 18 months and no down payment. 
This would mean our total purchase would be {$540.00}. They checked boxes on the agreement underneath the {$2900.00} that stated 1. No down payment due and 2. No balance due - so we felt assured this was a promotional package that would cost us only {$30.00} per month for 18 months. 
The first payment of {$30.00} was in XXXX XXXX. I noticed in XXXX XXXX the minimum payment increased from {$30.00} per month to over $ 75 month. 
I contacted Barclaycard. After reviewing the contract they explained no down payment means XXXX was paid in full by XXXX. In other words, it was a loan but no terms were stated. 
My balance is {$2800.00} as of XXXX. 
Because of our personal income and expenses I would have not purchased this product had I known or been informed of the actual terms. 
XXXX XXXX has been issued an Assurance of Discontinuance by the Arizona Attorney General accused of violating Arizonas Consumer Fraud Act. I understand that in Arizona alone there have been over 900 complaints from XXXX members about predatory sales and lending practices. In addition a lawsuit has been filed in federal in Nevada against XXXX for a XXXX dollars. 
This predatory lending needs to stop. I am hoping the Consumer Financial Protection Bureau will help us resolve this situation as I am not able to afford this product after being deceived into buying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is randomly generating the answer to if I 'm effected by the latest hack of 143 million Americans personal identifiable information. This is misuse of my credit report. They have let 143 Million Americans personal data into the wild for all of us to be victims of identity theft. They profit from " monitoring '' this kind of fraud. It 's absolutely unbelievable. It 's the kind of conflict of interest that makes me wonder about this society. It 's fraud. It 's all a fraud. On top of this, their system to check and see if I 'm effected is randomly generated because I doubt they actually know how many credit reports were stolen. The rest of my life I will be forced to purchase from them or the other two, some kind of service to make sure i 'm not hacked. Let alone the fact that anyone could have my identity and use it outside the credit system, i.e. XXXX XXXX XXXX. I 'm suing in open court. I 'll represent myself. The government will not help me. I 'm sitting here in the aftermath of XXXX, and I 'm shaking with rage right now. It 's not like I do n't have a million things to do. I 'll just have to add this to the list. I 'm pretty much done with this society. I 'm going to do everything in my power to become a XXXX XXXX citizen. I have no want to be an American anymore. It 's a sham, all of it.
Product: Credit card or prepaid card

I was offered a capital one quicksilver card with promotional offers of 0 % Apr for 15 mos and {$200.00} in rewards once you spend XXXX in the first three months. I accepted this offer on XX/XX/XXXX. I noticed that my 0 % Apr is due to expire on XX/XX/XXXX, which is only 10 mos. I contacted capital one and they said they can change the terms and I was only accepted with 9 mos interest free. My 0 % Apr should be until XX/XX/XXXX. Secondly, I was never received my {$200.00} in rewards after spending {$500.00} and I was told I was never offered it. I recorded these conversations.
Product: Debt collection

RECEIVABLE MGMT GROUP ( XXXX XXXX XXXX ) {$330.00}. i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.
Product: Checking or savings account

Last month, I provided a better copy of my identification as requested by the fraud department at Bank of America. He told me thats what he would need to prove that I wasnt the one at the ATM pulling money from the account because there were CLEAR pictures of the girl in a car pulling money straight from the ATM. When I sent in the license I assumed that would be what they needed and I also explained that I cant even drive due to medical reasons that terrify me from being behind the wheel. So Im not understanding how my claim was denied when the person in the photos is CLEARLY not me or anyone I know or authorized to steal my money. Why would I go to the ATM when I can go to the teller? And why was I never at the ATM? Not even once. There is clearly no investigation being done because when I requested information on why my claim was denied they sent me the SAME bank statement they keep sending that only proves my money was spent. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION / XXXX # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, & XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights .

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
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and anxiety that affects every aspect of my daily life. The XXXX impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Credit reporting or other personal consumer reports

Im reaching out because I noticed an error on my credit report related to a late payment on my account with XXXX XXXX XXXX XXXX XXXX XXXX, and the late payment showed was on XX/XX/2023 for each bureaus. Ive always made my payments on time, and I was surprised to see this late payment listed. This seems like a mistake, as Ive never missed a payment. According to the Fair Credit Reporting Act, the information on my credit report needs to be accurate, and this late payment simply isnt. Please provide documentation that supports the reported late payments, along with any records showing my authorization for these reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate, on-time payment history.
Product: Credit card or prepaid card

My account is currently in settlement. I have made my payments as agreed to since XXXX. Covid-19 hits and my family is having some hardships with income. Discover Card has indicated they have nothing in place to help extend out the 11 month requirement leaving me to pay my settlement in full by XXXX. I am hoping to only need a couple month extension and am trying my best to pay off the settlement so I don't lose what I have paid so far. They indicated that this isn't a problem with Discover but with CFPB as they have not addressed allowing them to do this. In times like these I think this needs to be addressed ASAP so we don't lose the agreement we have made. For those of us who are trying to pay off our debts, I am asking that there be some flexibility as we all go through this crisis and have to prepare for job losses, potential furloughs etc. I was able to make a {$500.00} payment today but that just increases the monthly payment I have to make by XXXX. Please consider looking at this issue as I know I am not the only one out there having it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from someone pretending to be a Wells Fargo employee stating that they were calling because my account had been flagged for attempted charges in XXXX Fl, I reside in XXXX XXXX, NV. They said charges had been attempted at XXXX XXXX for {$500.00} and XXXX and a transfer thru XXXX for {$1000.00} The inbound phone number was a valid WF #, I know the number at a glance because I have been banking with them since XXXX. The caller used all the correct verbiage a bank employee would use so I had no reason not to believe I was on the phone with the bank employee. They said they had to cancel my debit card and issue a new one but in order to do so they needed information from me. I gave them my card # and they claimed to do the transaction to issue a new card, they said I would get a follow up within 24hrs. 
I waited but no call came, no new debit card arrived in the mail and upon looking at my account I noticied a {$1000.00} debit to my account thru XXXX sent to XXXX XXXX, no phone number was indicated.. 
I filed a claim which was denied, I made an appointment to see a banker, she said the claim said it appeared as though I transferred the money to myself. That makes absolutely no sense. She said I did nothing wrong and that I would get my money back. So she opened a 2nd claim. 
That claim was also denied, now Wells Fargo is claiming that I authorized this transfer, when in fact I did not. So first I transferred the money to myself, then I authorized the transfer to someone named XXXX XXXX, whom I do not know. 
I met with yet another banker at a different branch to see if I could get my claim reopened or escalated, again she's is looking at my account and says " Something seems off ''. I agree. 
They will not reimburse me for the {$1000.00} transfer and I know for a fact there were other victim of this same scam in California who did get reimbursed. Wells Fargo will not take any responsibility for protecting their customers from situations just like this. 
I feel like a victim that is not being heard and hope you can help me resolve this. 
I still bank with Wells Fargo even after dealing with this for the last 6 months but {$1000.00} is a great deal of money for someone on a fixed income and they just don't seem to care. I have exhausted my options with WF so I am turning to you to try and make this right. 
I will provide the documentation I have but feel free to contact me if you need further docs. 
Thank You. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX