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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transaction are unauthorized. As this account has been closed I had not recognize these charges until now. I ask thats these be investigated and disputed
Product: Debt collection

I have been a victim of fraudulent activities and I never opened or utilized XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or LVNV Funding LLC. 

None of those account are mine. I never lived in those cities, never utilized these utility companies in my entire life. 

I would like to report a fraud activity under my name and need to get these removed under immidiately under my name. I've been fighting to all three credit bureuas regarding any fraud activities in my name. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Bankruptcy XX/XX/year> reference number XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX, certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was delivered and signed for on XXXX/XXXX/XXXX. These letters requested Experian to investigate the validity of information on my credit report that was being reported by XXXX XXXX for XXXX XXXX as I was challenging the accuracy, compliance and reportability of the item. I asked that they validate the information with XXXX XXXX and provide me with copies of any documentation associated with the account, bearing my signature. I had previously sent 3 certified letters to XXXX XXXX  requesting same and to date, they have been unable to provide that information to me. I formally requested Experian, twice, to delete the information on my credit report as they too have been unable to obtain validation of this account. As per FCRA Section 611 ( a ) ( 1 ) ( A ), Experian has 30 days to complete this investigation and provide me with method of verification which they have not. I did receive a letter from Experian on XXXX/XXXX/XXXX in acknowledgment of my letter dated XXXX/XXXX/XXXX stating that they would investigate my inquiry and after processing if it was found the disputed information is inaccurate, incomplete or can not be verified, they will delete that information or modify the information as appropriate based on the dispute. To date, my belief and understanding is that nothing further has been followed up on by Experian and they remain in willful non-compliance as I have not received any further correspondence relating to this dispute nor has the item been removed from my credit report.
Product: Credit card or prepaid card

Ill start off by saying, its already clear that BofA doesnt understand that what they are doing is improper in he first place. YOU CAN NOT HOLD MY MONEY INDEFINITEY. YOU CAN NOT CONTINUE TO ADD TIME TO WHEN IT IS YOU RETURN THIS SAID MONEY. IT HAS BEEN OVER XXXX YEARS. Now, after speakinig with escalations, it was understood that BofA failed to credit my account. Clearly understood. Thats why the agent filed a " missing credit '' already. SO FOR THE AGENT ON THE PHONE TO TELL ME HE IS STEPPING IN AND IT WILL NOW TAKE ANOTHER XXXX WEEKS IS BEYOND. 
SO WHAT DOES THE CFPB DO EXACTLY??? Because it certaintly didnt light a fire under the XXXX of BofA to do a XXXX thing. Matter of fact, it inspired them to take even longer ... ... ... .... SO forgive me, but im not impressed. BofA doesnt seem to give a XXXX. The CFPB hasnt even sent me any type of response whatsoever ...... 
So basically the lesson learned here, is XXXX Banks can do ANYTHING they want. There is NO oversight, no regulatory agency, XXXX for the consumer to to have a voice. I Even got ta here about the XXXX from BofA explain to me how hes goingh to be on XXXX VACATION in the middle of the investigation ... ... ... .GET XXXX REAL. But that didnt stop them from trying to package the entire situation as if it was to benefit me. GO XXXX YOURSELVES. Inserting yourself in between, what is known as far as missing credits, abd the issue of that money, to extend the time it is issued another XXXX weeks, is not in my best interest. ME WAITING MORE TIME WHILE YOUR ON XXXX VACATION IS NOT IN MY BEST INTEREST!!! YOU TAKING KNOWN INFORMATION< ABD PRETENDING TO DO AN INVESTIGATION< EXTENDING IT ANOTHER 4 WEEKS IS NOT IN MY BEST INTEREST. YOU ONLY OFFERING THE MONEY YOU HAVE TAKEN, IS NOT IN MY BEST INTEREST!!!!! GET XXXX REAL!!!!! YOU CAN BET, IM POSTING THIS ON EVERY SOCIAL MEDIA AND BRINGING AS MUCH ATTENTION TO THE BEHAVIOR OF BOTH THE CFPB, AND ITS LACK OF AUTHORITY, AS WELL AS BOFA AND ITS XXXX GAMES IT FEELS NECESSARY TO PLAY> HOW XXXX DARE BOFA TRY TO PULL WHAT IT JUST TRIED TO PULL. I suppose, Im just going to be a marter as far as this money goes. XXXX I can show as many people as I can, THAT THE CFPB HAS XXXX PRESSURE IT CAN PUT ON BIG BOFA ... ... BOFA RUNS THE SHOW DOESNT IT???? WHAT A DISSAPOINTMENT. BUT AFTER THE BAIL OUTS AND WHAT NOT, NOBODY WILL REALLY SAY THE ARE SURPRISED WILL THEY???? 


XXXX YOU BOFA> EVERY SINGLE ONE OF YOU!!!! YOUR SCUMBAGS, AND YOU KNOW IT. I CANT EXPRESS ENOUGH HOW SICK TO MY STOMACH YOUR ORGANIZATION MAKES ME. you take my money mid pandemic, and your only now tellingme, youll run an investigation, but it so happens, doing it now, only delays me getting my money???? How do you live with yourselves? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an XXXX report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent account on my consumer reports.
Product: Bank account or service

On XXXX XXXX, 2016, I went to Chase Bank at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to cash my security deposit check from my landlord XXXX, ( corporate name is XXXX ) that was made payable to me. When I gave my XXXX types of ID and my check the bank refused to cash same because on their client 's account it was indicated that a person could not cash same. I was furious because when they want my money they want money orders and yet when I receive my security deposit I ca n't even cash it. I had to take the check and direct deposit it to my personal bank account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company try to collect {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I dont know nothing about this place/ company
Product: Debt collection

Getting calls from Benuck & Rainey LLC, debt collectors. They call daily, sometimes up to 7 calls a day, some within minutes of each other. When I answer they ask to verify DOD and SS # before they can even tell me what the call is about. When I ask to tell me what the call is about before verifying my information, they get angry and aggressive before they proceed to hang up. I don't know what this calls could be about and have not received any kind of correspondence from this company either.
Product: Mortgage

i apply for a loan modification and got decline because they said my investor does not do loan modification any more. i remitted the paperwork did a hardship letter. provide all the documents. all for them to tell me that it decline because they dont dont do modification i know they did it in the past since i had once did it years age the server is mr cooper my loan number is XXXX i have been living there for 15 years
Product: Money transfer, virtual currency, or money service

This complaint is against this online financial institution calls Gemini. I currently have {$58000.00} in their keeping. On XX/XX/XXXX. I initiated a withdrawal for {$2000.00}. Withdrawal is supposed to take 2-3 days. I waited a week, it never came. On XXXX the XXXX. I initiated another with withdrawal for {$1000.00}. Shortly after I received an email telling me that Id have both amounts deposited into my bank account on the XXXX. I gave my landlord a check and paid 8 days late fee ( {$10.00} a day ). The money never came. My account says that its being processed till now. My check bounced and all my other bills are unpaid. I reached out to Gemini ( XXXX  ) via email ( that is the only way they can be reached, conveniently ( for them ). I asked for an explanation. I received a generic email about their withdrawal system being unavailable and the promise that they are working to fix it. Two days later, I sent another email requesting my account be closed and my balance transferred back to my back. I am still waiting. 
So far, Im still able to log into my account and see my balance. But nothing else is happening and no further explanation has been provided. They dont even have to decency to appease people with a live conversation. 

My account is under this email : XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Experian for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my XXXX  score decrease by 22 points. That is not fair.
Product: Checking or savings account

I am asking for assistance with figuring out if I have lost interest funds in regards to the Capital One savings matter and case I recently read about. I originally had a XXXX savings account with XXXX that was purchased and converted by Capital One years ago. At first everything stayed the same but over time I realized a few years back that my interest was minuscule and I sought a better rate, at the time, Capital One was offering a money Market account with good rates so I moved the majority of my savings into XXXX. Later down the road and more recently again I noticed the interest rate fell to very low amounts to where it started and again I looked up Capital One 's rates and found the XXXX Performance Savings account, which I then moved the majority of my savings and still have in an account to this day. I also have kept small amounts in both the original XXXX XXXX savings account converted by Capital One, along with the XXXX XXXX XXXX, both of which no longer have rates anywhere near they used to. 
My concern is how much interest I may have lost because instead of Capital One letting me know that they had a better rate I had to stumble upon this myself, starting with the conversion of my XXXX XXXX account which used to offer XXXX of the highest interest rates in the country. 
Please contact me for any further information I can provide. On my Capital One account I can only see statement up through XXXX, and the XXXX conversion took place before that so I have no way to provide those.
Product: Checking or savings account

on XX/XX/XXXX, Betterment decided to lock my checking account with no previous notice. 
When I called cs no answer was given and I was asked several personal questions such as XXXX and XXXX deposits and using the debit card overseas. I replied to all the answers over the phone and email. 
No action was taken as of XXXX of XXXX and I can not access my funds.
Product: Vehicle loan or lease

( American Honda Finance ) opened on XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the rights to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Student loan

I have sent numerous messages to Mohela since calling them is impossible and they keep sending me info that is not pertinent to my loans. On the website, it says Im not due until XXXX for payment but the messages I received say Im in repayment but Im paid ahead. I asked if the payments count towards PSLF and they gave me info on the IDR plan which I am not a part of. I feel as if this was an automated response and not an actual customer service representative and my questions were still not answered.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate unverifiable accounts, resolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX  alleging, systematic issues such as failing to forward. Consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove, amend the disputed accounts, as experience in action, violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I informed XXXX, XXXX, and TransUnion that the information reported on my credit report was inaccurate and needed to be removed. The accounts in question were either not mine or had been paid off with the original creditors. I provided certified mail and supporting proof to all three credit bureaus. However, I have not received any correspondence from XXXX, XXXX, or TransUnion regarding this matter. 

They have falsely reported inaccurate information and refused to remove it. This has caused me significant financial hardship, as I am unable to secure lending or housing due to their failure to correct the inaccuracies on my credit report.
Product: Credit card or prepaid card

This morning I received an email stating my credit card limit was cut to 20 % of the former limit. In the letter, I was told my decrease was due to decreases on my credit file - which was caused by the same credit card back in XXXX. 

The letter also included that I had too many inquiries on my credit report, which is related to the refinancing of my rental properties. 

I have not opened any new accounts and I have not missed any payments. When I called to ask for an explanation I was told there is no person I can speak with and there's no option to reconsider this decision.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into my Chime app for the first time in several months. I had not logged in recently as I have been unemployed and not receiving any income. Upon logging in, I saw that I had received a deposit from my prior employers XXXX distribution that I was not aware of. {$1000.00} was automatically transferred from my checking account to my associated XXXX XXXX XXXX XXXX on XX/XX/XXXX. Beginning XX/XX/XXXX, there are several transactions posted that I did not make, as follows : {$53.00} at XXXX, {$10.00} at XXXX XXXX XXXX, {$280.00} at XXXX, {$170.00} at XXXX, {$23.00} at XXXX XXXX, {$63.00} at XXXX XXXX, {$14.00} at XXXX XXXX, {$29.00} at XXXX XXXX, {$39.00} at XXXX, {$81.00} at XXXX, {$5.00} at XXXX, {$43.00} at XXXX, {$150.00} at XXXX XXXX XXXX {$24.00} at XXXX and {$73.00} at XXXX XXXX  XXXX Upon reviewing these charges, I went to look for my credit card and it was not in my wallet nor anywhere in my home. I immediately contacted XXXX XXXX  for help, and a dispute was filed. On XX/XX/XXXX, I was notified my dispute was denied. That same day, I requested the reasoning and was told it would be emailed to me within XXXX business days. On XX/XX/XXXX, I again requested this documentation. I have yet to be provided with any reasoning for this denial. I did receive a new credit card in the mail.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my account, which should have alerted me before my credit report was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission Identity Theft Affidavit regarding this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018.

On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report.

Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter.

On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013.

On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature.

On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report.

On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.
Product: Debt collection

I tried to pay the company but they refused payment and locked up their website and turned account over to collection agency. I tried calling the company to arrange payment rep told me to call back they would hang up the phone I would call on numerous occasions only to never get anyone and website locked up not accepting any payment. I tried on many occasions to pay this company it locked up and would not take a payment. It was as if they deliberately wanted to send my account to a collection agency. The company is ruining people credit by locking up the account online where the customer can not pay the bill as it is agreed.