23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX I went to use my debt card and the purchase was declined. I call Bank of America. All they would tell me is that my accounts are frozen and I will not be able to use any of these accounts going forward. They would not give me a reason to why. Just said that Bank of American can terminate any contract with a customer for no reason and that is what they are doing. They told me that the estimate closing date is XX/XX/XXXX. They have {$1400.00} of my money. I can't pay rent, bills or have access to money. I have never received a letter to what the issue is before XX/XX/XXXX. The account number is XXXX. Now I have an eviction because I can't pay my rent. I am behind on my bills. I don't understand how a bank can do this to a person. 
The one complaint that has been on going with Bank of America is every time I would do an online order to Target, and I would receive gift cards and use them for partial payments, Bank of America would continually charge my account the gift card amounts to me. Bank of America would say it is a XXXX issue. I have talked to XXXX XXXX, and it is not them. I have disputed every one of them. I have filed with AGO, OCC and now CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally wrote Equifax, XXXX, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.
Product: Money transfer, virtual currency, or money service

I have unauthorized ATM debit which Chime Bank refused to give me back my funds in the amount of XXXX and XXXX. 
Also they indicate there was no error but give me a new debit card to use. These transactions were taken between XX/XX/2021. XXXX XXXX XXXX XXXX and XXXX.
Product: Debt collection

This is a new complaint. 

I contacted Capital One on XX/XX/2021 with an Affidavit of Truth containing 980 violations of my consumer rights identified and highlighted. Pursuant to 15 USC 1692k each violation of Title 15 Chapter 41 is worth {$1000.00} paid in damages to the victim. That's {$980000.00} in violations and I also included damages for defamation of character, pain and suffering, fraud/identity theft, and attorney fees totaling {$520000.00}. Pursuant to 15 USC 1692k ( a ) ( 1 ) I can seek ANY, meaning whatever amount I feel satisfies the pain I endured from their fraudulent actions. Now, Capital One responded on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars without an affidavit of their own, therefore my affidavit of truth went unrebutted, placing them in default. Nor did they provide any proof that they " loaned '' me money via a notarized ledger entry showing money leaving one of their accounts and entering my account ending in XXXX. They provided nothing of the sorts, and confirmed that they have committed identity theft and fraud. I've attached my original Affidavit of Truth, all the violations I found and highlighted from past correspondence with Capital One, my Invoice/Bill of Particulars, my Notice of Default to them, along with their response on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars. They are in major violation and need to pay my demand expeditiously. With this Notice of Default I sent out today on XX/XX/2021, they now have 10 days from today to pay this Invoice/Bill of Particulars or be in further default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
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 obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. XXXX and Equifax have not cleared the inquiries or wrote me. To tell do the room.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me
Product: Debt collection

In XXXX XXXX I was billed by the XXXX XXXX XXXX XXXX New Jersey. i was charged and contacted for the amount of {$680.00} collection has contacted and informed me of my billing this charge also shows on my credit report. I am contacting you to rectify this billing issue in hopes they are paid and I am not billed which then will ultimately be removed from my credit history. 

I was billed by XXXXXXXX XXXX XXXX XXXX  by XXXX XXXX XXXX for the amount of {$460.00} which also was sent to collection. the date of service was XX/XX/2020 please help me rectify these two amounts in hopes I could have these two concerns removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by XXXX XXXX Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by XXXX a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by XXXX with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n XXXX is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concem : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt or credit management

My XXXX XXXX  was hacked The hackers opened up a credit card with XXXX via something called comenity bank They spent XXXX XXXX on that credit card and I reported as fraud to the credit bureau and contacted the vendor XXXX Now comenity bank is harassing me with non stop calls from all different numbers and sometimes a unknown number multiple times a day / hour I need them to leave me alone I did not open up this card and have requested it be closed Ive also spoken with XXXX Please help them stop harassing me comenity bank and lowering my credit score
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im XXXX, trying to XXXX XXXX XXXX XXXX  XXXX  this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX TransUnion and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to Experian telling them that they were publishing inaccurate information on my credit report. I listed the specific accounts that I was referencing and asked them to look into them further. 

They received the letter via certified mail on XX/XX/year>. ( See attached )
Product: Checking or savings account

On XX/XX/year> I ended a subscription via XXXX XXXX with XXXX. However, XXXX continues to deduct funds from my account $ XXXX. 

On the XXXX website - consumers are directed to XXXX XXXX to end subscriptions and my subscription status states I unsubscribed XX/XX/XXXX. It also directs you to Apples refund policy, yet an unsubscribed account has a {$0.00} balance so refunds are not possible. 

XXXX takes no responsibility for the unauthorized charges or refund requests, yet they continue to disregard my attempts verify that I have a closed account and return funds that have illegally obtained. 

My bank - Huntington has investigated the account and I have received a credit for {$9.00} once and they made it clear they can not prevent further deductions. 

I have also emailed XXXX several times to complain and received no response. My only recourse is to close my account after several years of satisfied service due to the continued fraud. 

Your assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I tried to dispute with the pro collect co. 
1.this co call the 27 times XXXX before I find out was collection agency without notification Letter. they say they can not find my file, so ignored it. still calling me. 
then they said file disput through their website. 
2. once I found out disputed right away but still got calls everyday 3. still got calls 36 times after disputed XX/XX/2022, 4. I received letter from them on XX/XX/2022 that I owe money for {$1600.00} wrong statement. sent mail disputed letter with all the documents that I don't owe money. 
5. No response, just keep calling every day. yelling at me not to use speaker phone 6. Impossible to work with this co.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im receiving a bill for credit card that is not mine! And also shoes on my credit report.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to open XXXX loans and XXXX credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report! 

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} ( CREDIT CARD ) XXXX XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my XXXX, XXXX, and Equifax credit reports!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

my client XXXX XXXX has been the victim of fraudulent activity on their Robinhood account. Despite reporting the issue to Robinhood and requesting that the funds be returned, my client has not received any resolution to the matter. As a result, Robinhood is now in violation of applicable laws and regulations related to fraud prevention and consumer protection. 
The facts of the case are as follows : my client discovered several unauthorized transactions on their Robinhood account and immediately reported the issue to the company. My client requested that the funds be returned to their account and the matter be investigated. However, Robinhood has failed to take appropriate action in response to my clients request, leaving them with a financial loss.

In this case, Robinhood is in violation of several laws and regulations, including the Securities XXXX XXXX of XXXX and the Investment Advisers XXXX of XXXX. The Securities and Exchange Commission ( SEC ) has specific rules and regulations in place to protect investors from fraudulent activities, such as unauthorized transactions on brokerage accounts.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX were asked to provide Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting The means of which this information was VERIFIED and VALIDATED For the account thats been reported as fruad.

In the packet sent none of these items arrived. There was XXXX proof for any of these items being validated which checks out with Transunion not running FCRA disputes as they have previously been caught not doing. Statements are inaccurate and missing information and provide no real information yet Transunion failed to do this investigation on their own
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.