23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX, I am an elderly woman, after my husband died 2 years ago, I appointed my son, XXXX XXXX, as my Power Of Attorney. My son has brought to my attention some very disturbing information about the mortgage my husband had with XXXX XXXX Bank. 
XXXX has worked very hard to get information regarding the loan from XXXX Bank, who claims they own the mortgage, but they have yet to answer our questions. Unfortunately, XXXX Bank claims that my son has to deal with SLS, even though it is XXXX that is suing me. 
This has all become very confusing, my son says he cant get the information I need to defend myself. XXXX and SLS are running him in circles. XXXX is asking for a " summary judgement '' against me, and we have n't even had our questions answered yet. SLS and XXXX are stone-walling us at every turn. I have applied for a loan modification through the XXXX program, but so far with no success, because XXXX and SLS are asking for my personal information, which I will not give out, until they provide me with proof that they in fact do own the loan! 
please help me, I do n't know what to do next. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility of the Credit Reporting Agencies. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX Balance Owed : {$170.00} This account has been disputed because of the erroneous information this account reports on my Credit file. How many times do I have to tell you that this account is reporting incorrect payment history? I was never late when paying with this account. I have been recording my own payment records and what they present is different from what I have. I need you to correct this accounts payment history by removing the late payments on the payment records. 
XXXX XXXXXXXX XXXX Balance Owed : {$450.00} This charge off account is reporting inaccurate balance in my Credit Report. Charge off accounts should always report balance as XXXX, then why does this account continue reporting with {$450.00} as balance if this account was already a charge off? I have been trying to correct this erroneous information and yet you have done nothing. I need you to immediately remove this account as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} I do not remember having an account with this company. I have been asking you to provide me copies of proof of ownership and yet you have sent me nothing. Once again, please send me copies of proof of verification or any documents bearing my signature confirming my ownership of this account. Inability to provide such documents should result in immediate removal of the account. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Checking or savings account

There is a free ride violation that was placed on my account on XX/XX/12 related to the purchase and sale of securities. At least since then, I have been unable to move money between my non-retirement brokerage accounts. This is money is that is readily available in my account and is not tied to any pending activity. To get around the issue, XXXX has instructed me to contact a rep online or through the phone to move the money and has been unable to provide a clear reason why this is the case. I have spoken to 5 reps either through chat or on the phone and 3 of the 5 have stated this problem is due to the free ride violation. I have asked for the specific text on regulation T of the federal reserve board and they were not able to provide it. I have read over the text of the regulation and it at no point dictates that a bank should restrict the movement of money between accounts. It does however deal with margin requirements and the sale and purchase of securities when funds are not available to fully make the purchase. The funds moving between accounts are not related to margin or the purchase or sale of securities.
Product: Credit card or prepaid card

These are the accounts that were opened fraudulently and I am asking that they be closed and removed from my consumer report entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I reported my card lost or stolen to Chase on XX/XX/21 and at the same time opened up a fraud claim for unauthorized charges on my debit card. Chase, has denied my claim and has not refunded the total amount of claim {$2800.00}. Chase has not provided and met the burden of proof required for denying my claim.
Product: Credit card

I am reaching out in hopes of obtaining a refund on a flight I purchased through XXXX XXXX. The relevant information is attached to this letter. 
I purchased tickets through your company on a XXXX XXXX flight on or about XX/XX/year>. The tickets were purchased through an entity called XXXX XXXX, referenced in the billing dispute as XXXX XXXX. I booked flight XXXX  with XXXX XXXX. The flight was intended to take off from XXXX, Florida to XXXX XXXX, XXXX with a layover in XXXX, XXXX. 
The return flight entailed the same route with an ultimate return to XXXX, Florida. 
As it is well known, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. The XXXX  broke out after I had made the purchase of the plane tickets. Subsequently, the XXXX Government issued a XXXX XXXX warning against travel to XXXX the highest warning level against travel to a country. While this would have made it imprudent for me to fly into XXXX, it is auxiliary to the issue presented in this dispute. 
The flight I purchased was cancelled by the airliner. I did not cancel the flights on my own volition. 
The flight was cancelled by XXXX XXXX as a consequence subsequent to the outbreak of the XXXX  following the attacks of XX/XX/XXXX. Even in the event that it was the option of the airline and/or XXXX XXXX XXXX XXXX the trip, doing so would be inconceivable and imprudent given the XXXX XXXX warning issued by the XXXX Government as well as the outbreak of the war within its borders. 
I have not received any credit or refund for the cancelled flight and there has been a lack of cooperation and/or communication from XXXX XXXX and/or XXXX XXXX. For one reason or another, there seems to have been a mistake in that it was determined that I had initiated the cancellation of these flights, which is incorrect given that XXXX XXXX was the entity that cancelled the flight. 
Respectfully, XXXX XXXX XXXX, please find the following attachments : Flight confirmation details ; Flight cancellation details from the airliner ; Correspondence to Chase ; and The response to the initial dispute from a Chase Customer Service Specialist
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/year>2024 Consumer Financial Protection BureauComplaint Submission Subject : Dispute of Invalid Debt To Whom It May Concern, I am writing to file a formal dispute regarding an invalid debt that has been reported to me. Below, I have outlined the details of my complaint for your review and resolution. 

Account/Reference Number : XXXX Creditor/Collector Name : January Technologies , Inc Nature of the Dispute : I am disputing this debt because it is invalid. Specifically : I have no knowledge of this debt, and it does not appear on any agreements or accounts I recognize. 

Background Information : I do not have a written agreement with the above named company. 

Requested Resolution : Remove this debt from all reporting agencies, including my credit report. 

Cease all collection activities related to this debt. 

Provide a full written confirmation of the resolution of this matter. 

Please note that this letter is a formal request for validation of the debt as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for its resolution. I can be reached at XXXX or XXXX for any additional information you may need. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX XXXX, I purchased a service contract through XXXX XXXX for technical support on my computer for 3years for {$390.00} On XXXX XXXX XXXX, they contacted me by phone to inform me that they 're going out of business and they would like to refund my originally purchased price. The individual that i was talking to, informed me that they are unable to complete the wired transfer and asked me for my personal banking information so he could complete the wire transfer and assured me that it was completely safe. After that wired transfer was supposedly complete, they asked me to verify the amount of the transfer, the amount was {$2400.00}. 
They informed me that the transfer was an error and they sent me {$2000.00} too much. The person that i talked to claimed that if i dont returned me the {$2000.00}, his job will be in jeopardy and asked me to return it via XXXX through XXXX. Feeling sorry for this individual, i did as they asked. 
The next day, i discovered that they were able to transfer {$1900.00} from my credit card through my savings account to make it looked like that it was a wired transfer from them with the excessed amount. I immediately went to Bank of America to file a complaint, they informed me by letter that it was my error that caused this problem and they were not liable. I asked them for reconsideration and again i received a letter stating that i benefitted from this transaction and they feel like they 're not liable. At no time did i authorized XXXX XXXX to transfer funds from my credit card to my checkings, they were able to do this on their own to make it look like it was a wired transfer from them. 

Anything you can do for me for this matter will be greatly appreciated. Clearly was online banking fraud. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on consumer report I have informed XXXX, Experian and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX  Date XXXX Account Number XXXX Reason for dispute_INACCURATE___ Account Amount _______________ Account NameXXXX_ Date XXXX Account XXXX Reason for dispute_XXXX XXXXXXXX Account XXXX Account Name XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXXXXXX Account Amount XXXX Account NameXXXX XXXX Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account XXXX Account Name_XXXX  Date XXXX Account Number____________________________ Reason for dispute_XXXX XXXX Account XXXX
Product: Credit reporting

In XXXX XXXX, I enlisted in the XXXX XXXX and a credit report was required, when I obtained my credit report I found several discrepancies. I then made contact with all XXXX credit bureaus to correct them. It been XXXX years, and there are several things that are still on my Experian credit report. The below listed items are still on the Experian credit report : XXXX XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX, XXXX ( I opened my very XXXX credit card with XXXX in XXXX, Ive never had a XXXX card ) XXXX XXXX XXXX student loans, dated XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old, still in high school ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX missed payments XX/XX/XXXX, XX/XX/XXXX XXXX ( I was XXXX in XXXX with the XXXX XXXX XX/XX/XXXX-XX/XX/XXXX and Ive never owned a home ) I will attach a copy of the credit report to this file. 

All of the above listed are still on my Expieran credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Dispute Department, I am writing to formally dispute inaccurate and incomplete information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the reporting of the XXXX XXXX account ( Account Number : XXXX ), which is incorrectly listed on my credit report. 
Upon reviewing my credit report, I noticed the following discrepancies : Incorrect Delinquency Reporting : The payment history for XX/XX/XXXX indicates that the account was 30 days past due, which I dispute as inaccurate. I request verification of this information, including original payment records, or that it be corrected or deleted. 

I also noticed inconsistent Status Update : The account is marked as Paid, Closed as of XX/XX/XXXX, yet there is still a negative remark from XX/XX/XXXX. If the account was closed in good standing, any derogatory marks should be reevaluated for accuracy. 
Under 15 U.S.C. 1681i ( a ) of the FCRA, " Credit Agency '' is required to conduct a thorough and proper investigation of any disputed information. 

If you can not verify the accuracy of the reported late payment with supporting documentation from XXXX XXXX, this information must be removed from my credit file immediately. 

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. Additionally, I request a written response detailing the outcome of your investigation and an updated copy of my credit report once this matter is resolved. If any changes are made, please notify any other credit bureaus to which you have reported this information. 

Enclosed, I have attached a copy of my credit report highlighting the disputed account, along with copies of any supporting documents ( if applicable ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and a resolution of this dispute. You may contact me at the information provided above if additional details are needed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the consumer by law sending this, no error. my information was misused and a account that shouldn't be on my report remains still making it not 100 % accurate. ( XXXX XXXXXXXX )
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 reporting, credit repair services, or other personal consumer reports

Capital one and XXXX XXXX XXXX card were paid with agreement to delete the account information, Capital one states a request to delete was sent in XX/XX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

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.
Product: Credit reporting or other personal consumer reports

This collection and all further communication about and reporting debt is to stop immediately see letter below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, XXXX  XXXX Phone : XXXX Subject : Cease and Desist & Account Deletion Request To Whom It May Concern, I am writing to formally demand that XXXX XXXX and any affiliates, representatives, or third-party collection agencies immediately cease and desist all contact with me regarding account XXXX. 
Additionally, I request the deletion of any records related to this account from all three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to request that all communications regarding this matter cease immediately. Failure to comply with this request may result in legal action. 
Please provide written confirmation that my account has been deleted and that no further attempts to collect this debt will be made. 

Sincerely, XXXX XXXX X______________________________ Note : signature is on added document upload XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$500.00} was sent on cash app, when I noticed what was going on I then sent a cancellation request and I also sent an email that cash app letting them know what had happened. I have sent every documents they have asked for repeatedly!! I don't get an answer at all!! All they keep doing is sending me an email asking for all the information and once I send it all I then get an email asking if I could rate how my experience went with such agent that has emailed me!??! I am also going through identity theft! I have written cash app more than 10times and this yet to this day has not been settled.. please help me
Product: Credit reporting or other personal consumer reports

The following accounts have bee fraudulently opened without my consent. I need them removed from my credit report immeditely. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX