23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with AMEX, account number XXXX dated XX/XX/year>, with a balance of {$3700.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AMEX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

I have been trying to get myself put in place as Power of Attorney over my mother, XXXX XXXX XXXX, accounts with PHH morgage, and despite me and my lawyer both sending them the documents and requesting they disclose all of the information on an account my mother has no memory of opening and that we, so far, have found no evidence of being paid out to her, they continue to say that information is missing, things like the documents are missing a page even though the lawyer had checked and they are not. They have also tried to claim that our lawyer has no rights to the information after he sent them documents proving I and my mother have given him temporary POA to act in her best interest reguarding this matter. Furthermore, the have multiple phone numbers online or in our documents that are not working numbers, and one number even tried to get me to input her entire social security number over the phone, which I refuse to do. So we have been unable to speak with anyone regarding this matter either. 
I will attach the emails from myself and PHH morgage to show that I have been trying to work with them for weeks now. 
Thank you for any assistance you can give us, XXXX XXXX XXXX
Product: Consumer Loan

Was guided through the ACH process by an agent on the phone. Found out that my ACH was, in fact, not set up when I received a 30 day late on my credit report. I called in to verify why this was, and the agent stated that my ACH was never set up. During this call I did not receive my mini miranda rights. I escalated the call to a supervisor for a call back, but never received one. After waiting a week for a call-back, I sent an email voicing my displeasure to XXXX. I received a call back within the day and they stated that there was nothing for them to fix and that they do not have to read me my rights since they are not a third party ( implying that they can do whatever they want ). I also voiced my displeasure about 2 phone calls I received after XXXX local time ( I did not know who these calls were until I called back in ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by Kohls. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this Kohls account to be removed from my credit file immediately.
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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX 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 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.
Product: Credit card or prepaid card

I have tried to close this citi card account more than 5 times. I have spent collectively more than 5 hours on the phone with Citbank about this as they continued to charge me despite confirming on the phone that the account has been closed. This is the 2nd complaint I am filing with the CFPB about this. While citi bank did refund me the money that was charged after the account has been closed- it appears from the email photo I have attached, that the account is in fact still open. 

We are now more than 4 months into my process of requesting the account be closed permanently. On XX/XX/XXXX, they emailed me saying the account was closed. Clearly this is not the case. 

I will never open a card with this company again. I am enraged that it has taken so much effort to close a credit card.
Product: Credit card or prepaid card

I had a Merrill Lynch credit card issued by Bank of America closed without my knowledge in XX/XX/XXXX. This card was first opened on XX/XX/XXXX. At the time there was a bonus offered after a certain spend requirement was met. I reached that spend and was awarded over XXXX points plus the amount spent which was another {$3500.00} i believe. 
On XX/XX/XXXX i was looking to book travel with these points only to find out the card was closed and all points earned were gone without my knowledge again. 
I immediately called Bank of America and spoke to XXXX who told me the account was closed due to inactivity. I told him i was never made aware they were going to close my account. I told him, Why would i let Bank of America close my account without using my points. 
He told me a letter was sent out on XX/XX/XXXX informing me to use the card or it would be closed. I never received this letter and had no knowledge this was happening. Again, i would have used these points if this was the case or put a charge on the card. 
I would like help in this matter.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX XXXX # XXXX, has been disputed several times with transunion, XXXX and XXXX  and is old information and still remains on my credit report with all three credit bureaus. this account has been closed for over 7 years and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE 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 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 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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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

Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The terms of the lease were unclear to me prior to my signing the lease. Despite my many efforts to ask questions about my lease, I was a continually brushed off and my questions dismissed. I am not satisfied with Porche Financial nor the terms of this deal.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX I was threatened about the unknown negative amount in my account which I disputed and they didnt threatened me and told me that they did not care and I would have to pay through several investigations and was treated very nasty and threatened by Navy Federal Bank Representative and branch managers
Product: Checking or savings account

Hello, I need your help hunting down some Cell phone Hackers. They have been hacking into my smart phone since XXXX XXXX of 2020 until today. Theyve hacked into my XXXX Accounts storage. XXXX emails, XXXX! Email, XXXX email and XXXX XXXX Apps. My Bank of America XXXX and XXXX XXXX were and still constantly being hacked into. I noticed I have to change my user name and passwords more frequently than ever before. They illegal monitored every single app I downloaded into my smart phone. I contacted my banks and some other apps companies but the problems remain the same. I noticed they watched me use the apps such as XXXX, XXXX, XXXX and other game apps then they made changes to the features/functions of the apps to make them less convenient or take a way the features of the Apps. Most of the game Apps became useless so I deleted them. I noticed many apps ( Im guessing at least XXXX apps ) disappeared from XXXX XXXX and I couldnt find the same apps on XXXX XXXX again. 
I know my smart phone being hacked but I couldnt and still cant report to anyone accept to my phone company XXXX prepaid. I called their tech support and brought about XXXX different brands of smart phones into their stores to check up on the problems but I still haven t been able to resolve it. I heard they hacked into the XXXX system and modified the features on my phone just to annoy me. 
I found XXXX Game App I like and Ive using this game app for about 3 months. The name of the game app is XXXX XXXX XXXX XXXX. They paid me XXXX cent to my XXXX account then they stop. I have approximately XXXX in payouts that XXXX still waiting for them to pay me but they still havent. It takes about 3 days from the day I requested the pay out then after the XXXX hours they went into a queue. After the queue they wanted me to collect XXXX red diamonds to receive the pay out. I know for sure this is the added on or altered feature of the game app. This is the work of the Hackers. Please help me track them and put them in XXXX. I heard these hackers were convicted felons from XXXX and theyve done this kind of work before thats why they went to jail to begin with and since they escaped from jail they are now doing the same thing that they did before. 
Please do not delete the App. I need your help to fix the app and track down the Hackers. I already emailed the app developer but they havent responded to any of may emails yet.

They also Stole mail from my mailbox. Please help me catch these mail thieves. Thank you.

DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE EVEN IF THEY CLAIM THEY ARE THE INVESTIGATOR, POLICE, FBI, CIA. I WOULD LIKE TO KEEP MY COMPLAINT CONFIDENTIAL. THANK
Product: Money transfer, virtual currency, or money service

I had a total of XXXX dollars stolen from my account through a fake check scam and I reported it the day the majority of the fund was being transferred ( XX/XX/2021 ) it occurred through XXXX. Wells Fargo provides me copy and paste responses which proves that they did not investigate the incident thoroughly
Product: Debt collection

PORTFOLIO RECOV ASSOC I sent certified mail over 30 days ago I havent received a response yet. 

According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have 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: Mortgage

I have struggled to keep my home for several years, I have been unable to afford a mortgage payment and was unable to qualify for a reduced payment of my mortgage with a making home affordable modification, my monthly income still suffers. I have decided to short sale my home under the HAFA program. My home suffers from much needed repair, I have been unable to cure the costly repairs needed to my home. A contractor has estimated my homes repair to cost about {$130000.00}. That is the estimate today and it may increase if the acoustic ceilings in my home end up testing positive for asbestos. Not to mention the mold that appears to be growing in the walls of home. My agent submitted a cash offer that was approved under the HAFA program. Unfortunately once that buyer took into account the repairs needed on my home they requested a decrease in their offer far below what Ocwen would consider for approval of a short sale. My agent sent them a XXXX higher offer, an as-is offer and all cash, this was received by Ocwen XXXX/XXXX/2015, my sale date was for XXXX/XXXX/15. This triggered Ocwen to conduct an interior valuation of my home, took them the entire month of XXXX to send an agent, valuable processing time lost. The previous valuation was just exterior and was set at XXXX. The agent from Ocwen came to my home on XXXX as to render a report immediately to Ocwen. I still had a sale date for XXXX, it was urgent that the value be adjusted to what my home is really worth. I still have this sale date looming, and the valuation as completed brought the value in on my home to XXXX. Ocwen is mis-reading this report, they have advised that their value is XXXX, I have a copy of this report, it does not state that amount as an as-is value at all, that was the original list price of my home and it has now been reduced to XXXX due to my repairs. To date Ocwen refuses to admit that they are mis-reading the report and are offering no adjustment to their error, still threatening to foreclose but if they read their report correctly I would have an approval of my short sale. Ocwen can not even show my agent where on their own report it indicates XXXX as an estimate of value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Im unaware and had no knowledge of these accounts on my credit report According to these laws 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account " 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
Product: Debt collection

Continued phone calls from Superfleet collections with the intent to harass and annoy and to tie up phone line. They call from XXXX. They called yesterday and I provided payment information to 4 different people yesterday. The last person I spoke with yesterday told me the account would be noted and that the calls would stop. Today when they first called, I explained that I had spoken with them 4 times yesterday, and provided them the payment information 4 separate times. I asked for them to cease and desist calling. The lady laughed at me and said the calls would continue and she hung up on me. I called the number back and asked to speak with a supervisor and a gentleman refused, spoke over me, and said they would continue to call until the payment was received. I have received five phone calls today from XXXX - XXXX XXXX. One time they actually called using two different lines at the SAME time. I then called the XXXX number to file a complaint. I spoke with a supervisor at Superfleet and then also to the cancellation department ( account was supposed to have already been cancelled ). The cancellation department ( XXXX XXXX ) informed us that they were aware of NATIONWIDE mail delays from the United States Post Office and this was happening all over. However, they continue to harass and charge exhorbitant late fees to their customers - even customers like us that have NEVER been late on a payment and pay their account in full each and every month. We asked them to ensure that the calls do not continue.