23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint against debt recovery solutions llc. I received notice to contact them by XX/XX/XXXX to dispute a debt I have no knowledge of! However they have already reported this to my credit and it has damaged my credit completely! I have no collections in nearly 10 years!! I have no knowledge of their collection or account!
Product: Checking or savings account

I have a checking account with BANK OF AMERICA I lost my card somebody unauthorized use around {$960.00} dollars from my account i make a claim I receive a notice indicating that the claim has been closed and that they dont found any errors ... I demand to receive any documentation that shows that this claim has been investigated the right way, pictures, cameras videos that shows who ever did this transactions I never authorize nobody to use the account and i never did this transactions..when a consumer open a new account by Bank of America , Bank of America 0 liability for unauthorized account promises and ensures that all consumers have 0 liability for unauthorized transactions and this transactions have been unauthorized and also who ever make this transactions has enter a invalid pin for 2 times as customer service representative just told me I demand to been provided with videos, pictures and invalid pin enter statement other wise charges to this bank will be made by the Nj division on civil rights and other consumer agencies relates I also would like to get this complaint public to other consumers and advise them about misleading ads that Bank of America is using to cheat consumers ... Zero Liability protection disclosures state if your credit or debit card is lost or stolen and you report the loss promptly you may not be responsible for fraudulent purchases made with your card
Product: Credit reporting or other personal consumer reports

I have a CitiBank inquire from XX/XX/year> that I don't recall authorizing. I want this inquire removed from all credit reports
Product: Debt collection

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Good Afternoon! 

I am writing you with regard to a fraudulent credit card that was opened in my name with Bank of America. I do not do any banking business or have a credit card with Bank of America. I received a statement from Bank of America on XX/XX/XXXX. I called Bank of America and spoke with XXXX in the customer service department. I inquired about the statement and was told a credit card application was done online on XX/XX/XXXX. I let them know I did not apply for a credit card and this supposedly card never came to my house only the statement. I was told that before calling the card was already flagged in the system as fraudulent and blocked. I let XXXX know if I had not received a statement, I would have never known about this account. A claim was opened, claim # XXXX. I asked what Bank of America was going to do to rectify this. I was told a fraud investigation would be initiated and they would contact the credit bureaus to let them know this was fraudulent and it should be removed from my credit within 90 days. I asked since this is a fraud and Bank of America accepted the application and generated the credit without doing any due diligence to make sure the application was not fraudulent, will Bank of America be paying for a credit monitoring service, I was told no, Bank of America does not do that. I asked again do you mean to tell me Bank of America would not pay for a credit monitoring service for a victim of identity fraud and the response was yes. Hmmm, this is very disturbing to me with all of the scamming and fraudulent activity going on you would think Bank of America would step up to the plate and make this right. Instead, I am the one who has to contact all 3 credit bureaus to place a hold on my social security and so that I have a piece of mind I have to carry the cost of a credit monitoring service. The same exact thing happened to my mother and it was with Bank of America. We found this out on Monday, XX/XX/XXXX. Her application was done online on XX/XX/XXXX. She is receiving the same treatment. Her claim number is XXXX. What are the odds of XXXX people living in the same household having fraudulent credit cards opened with Bank of America? We both filed a police report with the XXXXXXXX XXXX XXXX Case # XXXX XXXX & XXXX. 

Please let me know if you require any additional information. I can be reached at XXXX Thank you in advance for your time and help in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I sent a letter to Achieve Personal Loans requesting information regarding this alleged account. Achieve is currently reporting inaccurate information on my credit report. I requested a 1099-C and immediate removal of the account because, Achieve reported charge off on my credit report. Reporting a charge off is illegal when Achieve Personal Loans canceled and sold the debt. I have confirmation that they received my letter on XX/XX/year>. It is now XX/XX/year> and still have no response from this company. They are now in violation of the Fair Credit Reporting Act because they had 30 days to complete the investigation and still no response. Achieve Personal Loans is in violation of 15 USC 1681s-2 ( a ), 15 USC 1692e , and 15 USC 1692f .
Product: Credit reporting or other personal consumer reports

The inquiry and inaccurate address were not authorized.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We are currently in negotiation with the Bayview XXXX in regards to t a short sale All documents have been submitted for the short sale review and a XX/XX/XXXX auction was postponed to allow the short sale to be reviewed. We are still in the review and counter offer process and after requesting an Apprisal which was a dome on XX/XX/XXXX We are waiting on a copy of the appraisal report.TThe bank upon receiving the appraisal amount did not contact us for a counter. Instead, the scheduled an auction of the property in the middle of active negotiations with us I called the bank and spoke a representative who stated that the appraisal came back at $ XXXX which is well below the previous figure that the bank had from a computer online generated valuation 'During this process, we have never received any update or documents via mail or any phone calls from the servicer. This individual working this file has shown no comprehension of the law and when he was advised that he was violating the dual tract foreclosures laws he stated he did not know what that was and will continue to auction the home off all while still negotiating with us on a short sale resolution The buyer did increase the offer they were giving on the home but Bayview representative XXXX XXXX stated they will auction the home off no matter what we do. 
BAYVIEW IS IN CLEAR VIOLATION OF THE DUAL TRACK FORECLOSURE LAWS BY AUCTIONING MY HOME OFF ALL THE WHILE WORKING ON A SHORT SALE RESOLUTION. 
My Realtor has left numerous messages for XXXX supervisor XXXX XXXX but he has refused to return any phone calls and emails We have asked Bayview to communicate with us via mail and not phone calls because XXXX from Bayview is attempting to deny all these allegations. 

We were finally able to reach the foreclosure attorney for the bank ( XXXX XXXX and Associates ) and they were very helpful in stopping the foreclosure sale and were very upset at what Bayview Representative XXXX XXXX was engaged in. The bank Bayview has since remain silent and indicated that they are reviewing the counter offer XXXX had advised me and my Realtor that he would not review any offer I assume the Attorney for them made him aware of this violation of Dual tract Foreclosure Law I can only imagine how many other innocent homeowners have lost their home due to this illegal practice and actions by Bayview and the employee XXXX XXXX would ask that your office open an investigation into this individual and Bayview for clear violations A copy of this complaint is being forwarded via express mail and fax to the supreme court justice hearing this case the honorable XXXX XXXX XXXX County Supreme Court New York
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express sent a letter numerous months ago, After I advised them I was a victim of identity theft, and that I did not open any accounts with their institution. Stating that I am not liable for these account 's and that they would be deleted from the 4 Credit Bureaus they were reporting to. Later 6 Month 's later to be exact American Express re inserts this account, and re reports this account from XXXX   that I NEVER OPENED Nor received, They send a new letter stating that I made payments from both a XXXX XXXX XXXX checking account and a XXXX  checking account. I have not ever had an account with XXXX XXXX  XXXX, Nor XXXX Bank. These two checking accounts were marked fraudulent many years ago and those banks closed those accounts due to identity theft. Again I have never done business with either of those institutions. Nor do I have accounts with either. So not only is American Express creating false accusations, that they don't even have Facts for or knowledge of. They are inserting false information to the credit bureaus and on my credit report showing a card with a {$500.00} Limit " Closed by Credit Grantor '' I do not have an account with them, nor ever had an account with them. As I have stated. Again, The information they have provided saying payments were made from checking accounts and savings accounts that were ultimately closed due to identity theft. I do not have business with neither XXXX nor XXXX XXXX XXXXXXXX. So Again American Express did not conduct their research very well.
Product: Debt collection

XX/XX/2013 {$5700.00} Request for Debt Validation Pursuant to IS XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :
Product: Debt collection

I am a XXXX  of the United States XXXX currently living in XXXX, XXXX  at XXXX XXXX, XXXX. 
In XXXX I surrendered a vehicle to the bank XXXX XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX  because of a divorce and inability to make payments. It was then sold at auction and I was left to pay the difference of {$28000.00}. 
In XX/XX/XXXX, I was contacted by the law firm of Chambless , Math, and Carr in XXXX XXXX. This law firm has claimed to be the attorney for the Credit Union. Myself, and XXXX XXXX, XXXX. came to a repayment agreement of {$28000.00} and agreed to terms of an initial {$5000.00} lump sum and {$200.00} a month until the total amount was paid and that the Credit Union waives all interest and attorney fees. 
I have made all these payments in full to date to Chambless, Math, and Carr. 
Now wanting to pay this debt and complete our agreement I made a phone call to the law firm in XX/XX/XXXX. 
I was told by a different attorney in XX/XX/XXXX that I owe {$28000.00} that I have paid {$9400.00} to date and the reason for this is that they charged me a 5.84 % interest rate. Despite the correspondence I have in emails between myself and XXXX XXXX XXXX, XXXX. 
I called XXXX XXXX XXXX and spoke with a representative in the collections department and they advised me that Chambless, Math, and Carr no longer has ownership of the loan and that they do not advise paying them because an out of state attorney owns the loan. They claimed the could not offer anymore information and to contact the law firm of their attorney. The law firm is no longer answering my phone calls or responding to any of my emails. 
My credit report is reporting that I owe {$22000.00} to XXXX XXXX XXXX XXXX 
If I have paid {$9400.00} to my calculation, I owe XXXX. 

Please help, I would like to end this and pay the right amount to the right person. I am currently suffering from XXXX  issues from XXXX  related injuries and may need XXXX  XXXX soon and would like to pay and resolve this before my XXXX date. 

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

XXXX XXXX XXXX XXXX XXXX XXXXe, FL XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Date : Inquiry : XXXX. XXXX, XXXX Inquiry : XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Checking or savings account

I've been a Citi Bank Credit Card customer for the last XXXX years. A few weeks ago, I opened a brand new checking account with them to pay my Credit Card bills more easily. 

I also deposited a lot of money there. On XX/XX/XXXX, they emailed me to inform me that my account would be closed, stating no reason. 

I called them today, Monday, the XXXX. They told me that they could not say the reason, but my accounts will be closed in 60 days. They also closed my online banking access. 

I asked them to allow me access to online banking at least because I store my credit card information there. They said it's not possible. 

And then I told them I needed that money in my account. It's my only source of income, my salary. I do need it urgently ; I have my health bills to pay. They said they could not do anything about it, but they would send me a check in XXXX to 60 days. 

I told them I can't live w/o that money for 60 days. It's my whole income. I have bills to pay, and I don't have any other money. They told me to go to the local Citi branch, which they don't have in my city, not even the neighboring cities. 

They said they were sorry, those are my only options. I need my money in that Checking Account and I can not wait 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all XXXX credit bureaus, XXXX, XXXX  and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am trying to rollover my account into a different HSA and bank. I ahve sent in the forms via email as they told me to, and by snail mail once I got no updates or confirmation that they were rolling over my account. 

This has been happening since XXXX. The earliest request was number XXXX.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX Number:XXXX XXXX XXXX XXXX -Account NumberXXXX XXXX XXXX XXXX XXXXAccount Number:XXXX XXXX XXXX -Account Number:XXXX XXXX XXXX  XXXX - Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING SOMETHING ON MY CREDIT FILE THAT I HAVE NEVER SEEN BEFORE I HAVE IDENTIFY THEFT LISTED ON MY REPORT BUT THEY HAVE IGNORED IT I KNOW NOTHING OF THIS XXXX COMPANY THAT SAY I AM A JOINT OWNER I NEVER GAVE ANYONE PERMISSION TO USE MY INFORMATION AT ALL THE COMPANY NEVER CALLED ME TO VERIFY ANYTHING THREW ME AT ALL NOW MY CREDIT IS RUINED RUINED RUINED
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2021 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, credit repair services, or other personal consumer reports

I'm to understand that XXXX XXXX XXXX operates Check N Go. 
I've been battling with Check N Go and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my XXXX  Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. Check N Go has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX XXXX it is Check N Go that is reporting the inaccuracies, Check N Go changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts ( XXXX XXXX XXXX ) ( XXXX XXXX ), ( XXXX XXXX ), Are reporting inaccuracies
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME FAIR COLLECTIONS & OUT Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I had submitted a dispute that I was never late against XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MA that I was never late in XXXX when they reported to the bureaus that I was late by 30 days. I have proof that the investigation was resolved in my favor. They refuse to take out the negative connotation and then when I showed them the letter ; they changed it from XXXX to XXXX causing my credit score to drop 100 points. Please find the letter attached clearly stating that the dispute was resolved in my favor. They are playing games and just moving the dates around when the dispute was clearly resolved in my favor to damage my credit rating. Due to this I'm unable to get a mortgage.