23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Bank of America XXXX XXXX, XXXX NY she told called Bank of America legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Bank of America legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Bank of America failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment.
Product: Mortgage

on XX/XX/XXXX i was on difficult with my payment and was trying get a modification for get a comfortable payment but on XX/XX/XXXX my home was sold on foreclosure but one lawyer review my case and accept help me for bring back my property because he saw a lot of irregularity in the sale then the XXXX XXXX XXXX offers to us a modification and XXXX for dismiss the case ans we accept for recommendation of my lawyer the modification was XX/XX/XXXX and my first payment will be on XX/XX/XXXX but the bank dont send to my the bill for send my pay then i call to the XXXX XXXX XXXX and they said my loan was sold to nationstar mortgage then i call them for request my statement under my name for send my pay they answer they do n't can talk to me because i have a lawyer then i return with my lawyer and explain the situation and he said wait don ; t worry nobody know your door ok then i wait for two month and i ask for my name on the title and he said i ; m working on ok but he was charge to me XXXX for the modification and the litigation then i suspend the total payment until he finish the job the he let me know came back for sing the settlement agreement and release on XX/XX/XXXX after singed he promise my property title will come under my name then I trust on my lawyer and paid in total XXXX dollar for the job but pass the time and the property do n't see my name the property continue under XXXX, then I when at the assessor information and they do n't can give me information because XXXX XXXX XXXX on XXXX ca XXXX is under XXXX not at XXXX XXXX then i when with the lawyer on XXXX county and they said no body can help me for bring to me at the title then SOMEBODY help me for contact to you after talk to the consumer protection the XXXX XXXX XXXX call me and they send to me a REQUEST FOR DISMISSAL on XX/XX/XXXX and I SINGNED BECAUSE Iwas looking for my title on my home after thats the XXXX XXXX XXXX made a request for tranfer ( notice of proposrd escape assessment with date XX/XX/XXXX i have the evidence for all i said for myself and and on XX/XX/XXXX i filed a case no XXXX AND I HAVE THE MINUTE AFTER of judge court i hpe you have idea and also I TRY STOP the sale foreclosure that is for XX/XX/XXXX i hope you can help me for my case
Product: Credit reporting, credit repair services, or other personal consumer reports

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Product: Debt collection

On XX/XX/2021, somebody in XXXX  XXXX, TX used my name and social security number to open a utility service with XXXX XXXX XXXX. They then closed the account on XX/XX/2021 without paying the bill. XXXX XXXX XXXX sent this to collections. I just found out about it last month as it's on only my XXXX Credit report. 

XXXX XXXX XXXX needs this report to start the dispute to get this off of my credit report. I have also filed a police report. 

XXXX XXXX XXXX 's phone number is : XXXX. The account number is : XXXX. 

XXXX XXXX
Product: Debt collection

case # XXXX - XXXX was closed after the response from the company stating " Your dispute was received and the debt was validated by the original creditor. If you have proof of cancellation or payment, please send it to our office '' This response has nothing to do with the Affidavit of truth that was sent out on XX/XX/2021 that wasn't responded to correctly and had nothing to do with the validation of debt. 

An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true '' A notice of Default and Opportunity to Cure was sent out on XX/XX/2021. 

You do not have the right to dictate the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX ,  XXXX  and Equifax on several occassion twice in  XXXX    XXXX   unsure of the dates but I also sent out certified mailings to each crediting reporting agency on  XXXX / XXXX /  XXXX   also again on  XXXX / XXXX /  XXXX   via regular mail concerning several bankruptcies on my credit rep ort .. C as e numbers.  XXXX  Case number  XXXX  and case number  XXXX  ( see attached ). I also sent emails to the  CEO of eac h reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On  XXXX / XXXX /  XXXX   I received and email from   XXXX    Execective office  wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named  XXXX  called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from   XXXX   by the name of  XXXX  called me from telephone number  XXXX  and also say that the items were verfied I aske how and he said throug a third party I asked  XXXX  he then said there are several so After I 've explain to each them that I 've spoken to  XXXX  at telephone number  XXXX  with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the  XXXX   XXXX  the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account   XXXX   XXXX   ,    XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX  , and   XXXX    therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Checking or savings account

I discovered several unauthorized transactions on my account on XX/XX/XXXX. The bad transactions started approx.XX/XX/XXXX. The card was in my possession, and I used my debit card everyday during the time of the fraudulent transactions to buy my morning coffee, lunch, and other small daily expenses never exceeding {$20.00}. when I checked my balance on XX/XX/XXXX. I  saw several fraudulent transactions : {$330.00}, {$320.00},  {$150.00}, {$150.00}, {$28.00}, {$37.00}, {$35.00}, {$100.00}, {$170.00}, {$28.00}, {$160.00}, {$67.00}, {$31.00}, {$18.00}, {$15.00}, {$100.00}, and {$33.00}. All these transactions had taken place with my debit card in my possession, while I was using it on a daily basis. I immediately made a claim, the rep explained how my card info was compromised and deactivated my debit card and sent me a replacement. My account was soon credited for my loss, and I continued using my account. A few weeks later 2 of the unauthorized transactions were deducted from my account. ( {$320.00}, {$170.00} ). When I asked why? I was told the bank was not going to honor this portion of my claim. I have made several phone calls to recover my money to no avail. Thus I've been forced to file a Civil Suit against the institution. Index # XXXX XXXX In XXXX County District Court . XXXX, Can you Please help me.
Product: Mortgage

Borrower/Customer received marketing material that was misleading and made it appear that it came from XXXX XXXX. Also advertised " no closing fees '' and skipping two mortgage payments which is all inaccurate and not legal marketing practice for mortgage loans.
Product: Checking or savings account

I am a victim of identity theft. 

Two accounts were opened with Bank of America using my address, social security number, and a partial fake name. 

Bank of America did not verify the identity of the person opening the accounts. 

I have been trying since XXXX of 2022 to close these accounts. Only one of them has been closed. Every time I call, I'm told they didn't get the paperwork I keep faxing them or they're investigating the account and can't close it. 

I want this account closed. I never opened it. Bank of America is not doing anything about their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Debt collection

Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. 

Pursuant to XXXX XXXX XXXX ( c ) ( XXXX ) I am invoking my specified remedies as a federally protected consumer. 

I am demanding all of the following : I refuse to pay this alleged debt. 
Stop illegal negative reporting activity to ALL consumer reporting agencies. 
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. 
XXXX XXXX ( not a billing statement ) XXXX, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, XXXX the consumer all demanded remedies and Will result in litigation/ and or arbitration. 


( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt XXXX are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a multiple police reports, and have fraud alert placed on my XXXX credit file file for 24+months about potential fraud and identity theft for this account. I have disputed the account and provided materials requested since XX/XX/2020 and every month following until present day. The creditor has failed to change the information on my credit file despite being given proof of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. Trans Union didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on Trans Union and XXXX. The delinquency was not my doing.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate.my question is-how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I purchased a vehicle on XX/XX/year> and specifically told the dealership they were NOT to run my credit themselves or submit it to any other lenders as I already had a pre approval from XXXX XXXX for XXXX percent interest for 60 months. While waiting at the dealership, I started receiving email alerts that my credit was being pulled by not only the dealership, but by multiple other lenders. When I questioned the finance manager he lied and said I didnt qualify for XXXX percent interest so he submitted it to other lenders. This was a lie, to try and get me to take a loan with an interest rate, so they could make more money. I purchased the car and was approved by XXXX XXXX for XXXX percent interest. This was a direct violation of the FCRA, as I implicitly told them they did not have permission to run my credit themselves or to submit it to any other lender than XXXX XXXX. I was told they would send letters to the credit bureaus to have the inquirys removed, but 3 months later they still remain. I was recently denied credit for the XXXX XXXX with a XXXX FICO score due to the number of recent inquiries. These inquiries all placed by this dealership and the lenders they use, all without my permission.
Product: Credit reporting or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Product: Checking or savings account

I lost my personal items which included a few other cards on XX/XX/2023. The last time I used my vystar card was XX/XX/2023 at XXXX. I didn't make any other purchases or use of my vystar account. I utilized cash for other purchases. That day. Upon heading to work on XX/XX/23 to put gas in vehicle. I called vystar XXXX XXXX number spoke to representative and informed I didn't have my cards to try and cancel them. I wasn't able to get into online account. Representative said automatic system had detected fraud and already had canceled card and locked account. I informed representative that I will be coming into bank immediately after work around XXXX on XX/XX/XXXX. However that was not the case with vystar credit union. They allowed these persons to make all kind if activity with account. From withdrawals in other cities, deposits of checks, money orders etc. Vystar even let the thieves open up a credit card and another checking account. The persons committing fraud had access to my account and called vystar themselves. In which I was unable to do being that it was supposed to be my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : XXXX CREDIT CARD FROM XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. AUTO LOAN FROM XXXX XX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX BANKRUPTCY XXXX
Product: Mortgage

Mr Cooper has charged me {$1200.00} a year for 4 years for PMI when my loan balance is {$100000.00} and my tax assessment is {$290000.00}. They make it virtually impossible to submit a request for stopping PMI and this is just an Unfair and Deceptive Practice for their PMI revenue. Please tell them need to remove PMI from my account immediately and send me {$5000.00} for the last 4 years of payments in which I also have an XXXX credit score. This process is UDAAP and should be investigated by the CFPB.
Product: Debt collection

Barclay XXXX XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, CAPITAL ONE AUTO FINANCE has Violated my rights. 15 U.S.C. 1681, Sec 602A States I have the right to my privacy. 15 U.S.C. 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.