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

I called capital one on XX/XX/year>2024 because my account became restricted out of no where and they said they had frozen my accounts because I conducted too many transactions, if a bank can't handle a few transactions a month then I'm not sure why they in this industry... But the person on the phone said that capital one has chosen to close my account but can't tell me a date when the balance will be released so for now Capital one is just holding my money XXXX which is utterly ridiculous, if they want to close my account, fine! but you can't then just hold on to the money that is in there! Please have them send this to the address on file! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX on X/XX/2017 in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is finger hut and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.
Product: Mortgage

On XX/XX/2017 Bank of America represented to me, through their collections and foreclosure specialist XXXX, my property has been conveyed. When I asked for clarification as to what, exactly, does " property conveyed '' means I was told it meant Bank of America is in possession of the property. This is not true as I currently reside in and occupy the property as my primary home and place of shelter. I immediately informed Bank of America of this fact directly to their representative, XXXX. I also requested that this information be added to the remarks on the account to reflect Bank of America is not in possession of the property and that title has not been conveyed, if " property conveyed '' has ever been intended or represented to mean or imply that a Trustee 's Sale of the debt associated with the subject Deed of Trust conveys title and, therefore, ownership of the real property. 

In the State of California, in order for the bank to take possession of real property without the consent of the possesser or owner, the bank or one who has a claim of ownership currently not in possession of the real property, must bring a private right of action through California Superior Court. Otherwise, the current owner and possesser claims of right to title and ownership go uncontested and without issue. At present, this would mean I remain the current owner and retain ownership and title of the subject real property. 

XXXX Requirements are as previously stated and are to include the following : Prior to recording a Notice of Default ( NOD ), the bank or servicer must certify, under the penalty of perjury in a statement affidavit or declaration to be included as part of the NOD, a new and complete review of the account records have been conducted to determine Dual Tracking violations have not occurred. Once this review has been completed, the bank or servicer must maintain this certification so as to be current, true, and correct up to and though the date of recording of the NOD. If the bank or servicer can not determine if Dual Tracking violations have occurred or Dual Tracking violations have occurred, then no NOD may be caused to be recorded until a determination can be made to certify and declare Dual Tracking violations have not, in fact, occurred related to the account, borrower, and property to date. If it is determined Dual Tracking violations have occurred, steps must be taken to resolve dual tracking conflicts without penalty or detriment to the borrower whatsoever. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
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, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX they stated everything was complete and accurate. But 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 XXXX 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 XXXX XXXX credit reporting. I have evidence to prove my case
Product: Mortgage

Since our income have increased considerably, we submited an Assistance Review Application request to XXXX ( XXXX ), the Mortgage Servicer of our loan with XXXX XXXX XXXX. While XXXX was in the midst of reviewing our Application, on XXXX XXXX, 2016, U.S. Bank National Association ( US Bank ) entered a Foreclosure Action against my wife and I and is pursuing it aggressively in Court, while we are proceeding in good faith with our request for relief and submitting additional documents that XXXX continues to request for their evaluation process. 
US Bank actions entering and actively pursuing this Foreclosure Action in Court against us to take possesion and sell our home of 17 years while our Request for Relief is being reviewed and considered goes against the policy of Loss Mitigation and Home Retention promoted by the USA Department of the Treasury, Controller of the Currency ( COC ). 
Thus, US Bank is in violation of the COC policy of Foreclosure Prevention that states that : " Well structured loss mitigation actions should focus on foreclusure prevention, which should tipically result in benefitting the borrower. ... .preference should be given to activities designed to keep the borrower in the home. '' US Bank entered this Foreclosure Action actively and agressively while we are procesing a foreclosure prevention action. US Bank policy is deceiving the banking practices it agreed to with the OCC, and must DISMISS its Foreclosure Action immediately to preserve the OCC Foreclosure Prevention policy.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Experian credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXXXXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXXXXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Student loan

Signed up for a student loan forgiveness program through equitable AcceptanceXXXX student loan care. Found out they are scamming me a service fee for them reconciliation of my loan. They charge me monthly without this going to my student loan itself. They claimed to be helping me out with my student loan not putting me into an additional loan.
Product: Credit reporting or other personal consumer reports

I have reported to all three credit bureaus concerning the fraudulent activity on our credit reports. XXXXXXXX XXXX XXXXXXXX and her associates are serial hackers. As a serial hacker, shes has been free to go in out and out of our credit report, soft pulling, adding XXXX account, other people names on our credit report, decreasing our credit limit. And the list goes on. Additionally, they are taken my student loans and adding money to it. I have also contacted Equifax. I informed them of her freezer and unfreeze our credit reports changing XXXX XXXX  and XXXX XXXX  begin. I provided proof of fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with the company about the tracking being reported and every time it comes back updated without any new information. The credit does not have any information on the account & states that the bureaus are incorrectly reporting The account being disputed is XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 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

I have a credit limit on my Chase Credit card of {$7000.00}. In the month from XXXX to XXXX 2015, there appeared on my credit card XXXX internet transactions for purchasing dogs on-line. I never ordered, nor authorized the purchase, nor did I receive any dogs or puppies ever. Chase now claims that I owe over {$12000.00} for these animals. The charges in question are as follows:1. XXXX on XXXX/XXXX/15 for {$5800.00}. XXXX XXXX on XXXX/XXXX/15 for {$2900.00}. XXXX XXXX/XXXX/15 for {$2600.00}. XXXX on XXXX/XXXX/15 for $ XXXXThese fraudulent charges total over {$12.00}, XXXX in XXXX month. Again, my credit limit is {$7000.00}. Any reasonable person would see that these charges are crazy. I have had this credit card for about 10 years and have never purchased, nor would I purchase a dog over the internet. I have n't even come close to my credit limit in those 10 years. I wrote XXXX letters to Chase for them to have a reasonable person look into these fraudulent charges but have had no luck. I even sent a complete package to XXXX XXXX, the XXXX of JP Morgan Chase on XXXX XXXX, 2015 to his New York office but they did n't even look into the case. I received a " standard '' rejection letter from the fraud department dated XXXX XXXX. They have not sent me any proof that I ordered or authorized these purchases. No signature, no emails, no recorded message or any proof that I authorized or purchased these animals. I need your help. They are ruining my credit.
Product: Credit card or prepaid card

Citi was advertising a XXXX bonus point promotion for the Citi Prestige card when I decided to sign up. The only requirements listed on the find print of the promotion were to ( 1 ) open a new Citi Prestige card and ( 2 ) not have opened a Citi card within the past 24 months. Accordingly, I closed my old Citi ThankYou Preferred card and opened a new Citi Prestige card, expecting to receive this promotion. After all, I had not opened a new Citi card within the past few years. 

However, I was told by customer service over the phone, ex post facto, that the transaction was a " conversion '' and that I did not qualify for the XXXX bonus points. There was nothing in the fine print about this, though, and I clearly satisfied the two requirements that Citi had set forth, so I send a secure message about this on XX/XX/XXXX, and received a generic denial of my request from " Account Specialist, South Dakota. '' I then demanded to have my message forwarded to a manager, but I was summarily ignored and sent a nearly identical generic denial from " Account Specialist, South Dakota. '' On XX/XX/XXXX, I sent a complaint to the BBB regarding the atrocious customer service representatives who refused to let me speak with their manager, and received a call from a representative of the corporate officers who repeated the exact same generic denial over the phone that I had received via message. 

On XX/XX/XXXX, I contacted XXXX XXXX of Citi cards in an attempt to reach a resolution. I was told that I had consented to all of the terms of converting my account ( which were rapidly listed off over the course of a phone call ) and that these terms allegedly indicated that I would not receive the bonus offer. I still think that this is a dishonest way to do business. No other bank has been so intransigent with regards to honoring a promotional offer.
Product: Debt collection

I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt  was   XXXX   XXXX   XXXX   XXXX , and they appear to have sold it to Kansas Counselors, account was opened in  XXXX  therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was used to obtain so called good and services with these so called creditors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.
Product: Debt collection

I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and XXXX XXXX XXXX XXXX for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. 

I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been stressed, Depressed & On the verge of a XXXX XXXX XXXX. I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile.

15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX  ''. 

XXXX XXXX XXXX, XXXXossible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.

Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  : XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$1400.00}