23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to attention : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} - Charge-off XXXX : XXXX. XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} - Charge-off 2. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Charge-off 3. XXXX  Date of XXXX XX/XX/XXXX XXXX. XXXX  Date of XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX TransUnion : 1. XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

My identity was stolen around XX/XX/XXXX, and the thief ( in XXXX Oregon, a place I have never been ) opened an American Express account in my name. He made some payments on it, then defaulted and disappeared in XXXX. As soon as my wife and I found out about the fraud on XX/XX/XXXX, we filed a police report ( XXXX Police # XXXX ), filed with the FTC, and contacted credit monitoring companies ; all involved parties confirmed that this was fraud and I was not responsible. But American Express has continued to deny this because payment was once made by the thief from a XXXX XXXX XXXX XXXX  account - we have no such account! 
We have tried to get American Express to recognize this since XX/XX/XXXX, and have sent them all the relevant material and proofs they requested, but they have ignored and refused it all.
Product: Debt collection

OmeMain has blocked the credit bureaus from from removing this account from my credit report. This has count me many accounts. I've filed a police report and FTC report and the company OneMain has cancelled that debit. This account should be removed from credit report. I demand OneMain contact the Credit Bureaus to remove the block and delete this account from my Credit Immediately or I will take them to court to do so. 

ONEMAIN with Account number XXXX. 

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED,
Product: Mortgage

I have not received monthly statements on my open-end mortgage/HELOC that is currently being serviced by Statebridge since XXXX of XXXX. On XX/XX/XXXX, I requested a copy of the Note via a request for information. The Note was not provided in the company 's response. 

There was a delinquency on the account but, in XXXX of XXXX, my loan was reinstated via PAHAF funds. The good-through date on the reinstatement was XX/XX/XXXX. As of that date, I began calling Statebridge, the servicer, to request monthly statements and to request the ongoing amount owed and the date that I would need to make payments. On XX/XX/XXXX, I was informed by a representative named XXXX in the loss mitigation department that there is a cease and desist status associated with my account and that I needed to follow up with a representative named XXXX. As an aside, I have probably called Statebridge 15x in the past year and have always been referred to XXXX and have only been able reach him one time. Since the XX/XX/XXXX call, I have tried to follow up with him numerous times and received no response. I was told that my ongoing P & I payment is $ XXXX, but I do not know the interest rate, as I have never been given the Note. I asked for a copy of the Note again via Request for Information sent on XX/XX/XXXX and have not yet received a response. In that same RFI/NOE, I requested to receive monthly statements, as there will be no way for me to keep track of the loan without the Note and the statements.
Product: Credit card or prepaid card

My complaint is two-fold. First it is again XXXX XXXX as I made a reservation for a stay in XXXX, Hawaii on XX/XX/2020. As soon as the state of Hawaii put in a mandatory 2 week quarantine, I cancelled the reservation on approx. XX/XX/2020. I requested a refund of the total amount {$1000.00} less the service fee, or a refund of {$760.00}. My host, XXXX, told me to contact XXXX XXXX. The reservation was for the week of XX/XX/2020. At that time, when you called XXXX XXXX, they had a recording that said, unless your reservation is within the next 72 hours, we can't help you. I kept trying to contact them and could not get anyone to respond to me. I then put in a dispute with my credit card company that I used to make the reservation. After an investigation, they denied the dispute. I then called XXXX XXXX again on XX/XX/2020 and talked to XXXX who promised to elevate my problem and that someone would contact me. I called again on XX/XX/XXXX and was told the same thing, someone would contact me. No one has ever contacted me. I did not travel to Hawaii due to Covid 19 and the travel restrictions. XXXX XXXX has had my money for over 5 months. I feel XXXX XXXX would refund the money andor the credit card company should have approved my dispute. Please help!
Product: Credit reporting or other personal consumer reports

I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
Product: Checking or savings account

On XX/XX/year> i was the victim to fraudulent charges on my checking account. There are XXXX transactions in a XXXX hour period with {$4500.00} taken out of my account. I contacted the bank immediately and said these were not my charges. They said they would stop them but there was nothing else to do because they were pending. 2 days later all the transactions went through and i filed a dispute. within hours my claim was denied. I have resubmitted the claim multiple times. It gets denied with no reason other than no error appears. I have submitted facts, and filed a police report.
Product: Debt or credit management

I have an amazon account and payments are sent to Synchrony Bank. In XXXX they took XXXX payments out in the amount of XXXX to close out my account with Amazon. I have called numerous times, put on hold for XXXX knows how long, they telling me that they will send me a check, but to no avail.. I sent this check out on XX/XX/year>. I am on a fixed income at XXXX XXXX XXXX, and I depend on that money. 

I appreciate all you can do to help me. 

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

I currently have an auto loan with a co-signer that began in XX/XX/XXXX. On XX/XX/XXXX I  brought my vehicle to XXXX to trade in for a different vehicle. They requested a credit report for financing with XXXX XXXX XXXX XXXX. However, Equifax responded that there was a discrepency in my SSN and what was on my report. I was to call Equifax to get information. I have attempted this several times over the past week, and spoken with different people there with no resolve. They refuse to tell me what information is on it or anything. The last man that I spoke with was very rude and insisted that there is no one else that I can speak with about this matter. 
Also, in XX/XX/XXXX I recieved a letter of credit denial from XXXX XXXX credit services stating they could not verify my identity information with XXXX. 
I submitted requests for credit reports from all three bureaus last XX/XX/XXXX. Not one of those were able fulfill that request.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX added a XXXX item to XXXX credit report. XXXX XXXX XXXX but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that XXXX XXXX XXXX added an item to my XXXX report without providing me with a written notice regarding the debt.
Product: Debt collection

I settled this debt over a year ago. I do not understand why I still owe it. At this point I do not remember if I paid a different collection agency or if I paid Cash One directly, but I definitely paid someone. Once I learned XXXX XXXX XXXX  was still collecting a debt, I was confused but wanted this fixed. I tried to resolve this amicably by paying them to remove it, but they refuse. I dont think its fair that I have to pay twice on this account because I have already settled it a year ago. There should not be a balance, and this should not be on my report.
Product: Credit card

I have an old credit card which was purchased by a third party collection agency. That agency is now reporting on my credit report as collections but also as being late with payments. My on-time payment percentage dropped based on their reporting. How can an account be sold off but also be 30 days late?
Product: Student loan

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had  my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?
Product: Checking or savings account

My initial chargeback claim with Bank of America for items not recieved was denied due to a bank error, 4 months after provisional credit was issued. The sudden unexpected reversal of the provisional credit caused myself and my family an undue hardship. I contacted Bank of America 's dispute claims department and requested for a new claim to be filed since the initial claim was filed under the wrong classification. I had already contacted the merchant who was in full cooperation and ready to comply with the chargeback. I was transferred to a supervisor in the dispute claims department named " XXXX '' he declined to tell me his last name. This supervisor XXXX flat out refused to open a new claim for me, he instead told me that I had to wait for my initial claim to be " reconsidered ''. I submitted all evidentiary paperwork in advance, the claim was a cut and dry easy resolution but XXXX flat out refused to process it for me in a timely manner despite my explanation of my temporary hardship situation. He basically told me that he would get around to it whenever he felt like it. I was apalled by his rude and blatant disregard towards me. This supervisor XXXX has literally deliberately refused to process my claim for no other reason but because he can. The merchant is waiting to hear from BofA so this matter can be resolved, its been two weeks now and we are still waiting unecessarily because of a rude and childish supervisor who flat out refuses to do his job for certain customers whom he deems to be " less worthy ''. This supervisor XXXX 's attitude towards me was callous, highly unprofessional and outright disrespectful. Every other employee with BofA that Ive spoken to has been wonderful, polite and helpful. XXXX insisted that they were all misinformed that he alone was the final word. Im shocked that BofA would tolerate that kind of tyrannical behavior from their supervisors, not only towards their fellow employees, but towards clients as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX credit card not mine XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} FCRA Violation : student loan not mine U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX collection not mine XXXX XXXX XXXX {$870.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied credit, I pulled my report and noticed several loans I did not obtain. All loans were taking out during the same time frame, obtained online and used my old address, a different variation of my name and or the wrong or variation of my social ( ex : just the last 4 digits but not the full social ). 

I contacted the credit bureaus and was told to obtain a police report, get a signed affidavit of identity theft and report the accounts to the federal trade commission. per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

In turn the bureau did not : 1 ) properly investigate my claim 2 ) will not inform me of whom they spoke with concerning their so-called validity that these accounts belong to me. 

All the bureau did was place an identity theft alert on my file BUT told me I wasn't an identity theft victim which makes zero sense!!!! two of the accounts, have been removed/blocked before but the bureau keeps allowing the reinsertion without proof it is mine and despite the fact they keep changing their name but has the same account number.
Product: Debt collection

Notice through my credit wise credit protection program that on XX/XX/XXXX XXXX XXXX reporting a CHARGE OFF I have never recieved a notice from National Credit Systems or even a phone call MY NUMBER HAS BEEN THE SAME FOR YEARS AS WELL NOTED ON ALL THREE CREDIT BURRUS I also never recieved info from there client Green Leaf Lotus as a mater of fact I was inquiring about my return of my deposit
Product: Debt collection

I entered into a contract with XXXX. They failed to provide services that I contracted, constituting a breach of contract. I attempted to resolve said problem with XXXX XXXX XXXX ( XXXX Customer Service ) since XXXX, 2019. I also had several meetings to resolve issues with XXXX XXXX in my office. Witness to these meetings : XXXX XXXX. There was no resolution of my issues and in each case, the bill was disputed. I have requested a detailed bill of all payments and invoices. Additionally, I need the numbers presented to me by Mr. XXXX ( thousands of people inquring about my business ). Todate, no one has contacted me via phone, XXXX, of walk in client. This information was disputed. Mr. XXXX, in last meeting stating that I can pay more money and go to the next " level ''. That is not what I contracted for. To date, I have not received the " traffic '' promised. Additionally, the Website was not completed according to my instructions. Now I am being threatened and interrupted with numerous calls, interrupting my job. The information that I have requested to resolve this issue has not been presented. Additionally, a third party was given information regarding this debt issue in violation of FCCPA. The constant calls and email threats are also prohibited collection practices in the State of Florida. An investigation of this matter is warranted
Product: Debt collection

THIS COMPANY ( CONVERGENT ) PLACED A COLLECTION FOR XXXX COMPANY THAT WAS ILLEGALY PLACED TO ALL CREDIT BUREAUS WITHOUT ALLOWING ME TO DISPUTE AS REQUIRED BY FEDERAL LAW TO DISPUTE THE COLLECTION. 

THIS ACCOUNT IS NOT MINE AND IS ADVERSLY HARMING MY CREDIT REPORT I HAVE REQUESTED AS YOU CAN SEE IN MY CERTIFIED LETTER TO THEM DEMANDING PROOF OF A SIGNED CONTRACT WITH XXXX AND ALL THEY DO IS SEND ME A STATEMENT WITH MY NAME ON IT. THEY HAVE FAILED TO PROVE THIS IS MY ACCOUNT WITH ACTUAL DOCUMENTED PROOF THIS IS MY ACCOUNT
Product: Mortgage

My mortgage is relatively new having been issued by XXXX XXXX XXXX  and transferred servicing to EMM Loans, XXXX XXXX That location did not timely process payments and I do not know the interest wrongfully charged. Now last month the loan was transferred to EMM Loans LLC in Texas and it is a disaster. A payment was made XX/XX/XXXX via my bank online payment system. On XX/XX/2021, the payment was returned to my bank saying the loan could not be identified!. On XX/XX/2021, my back redid the loan payment and the second payment while finally acknowledged by EMM Loans has a receipt date of XX/XX/2021, and after a call to EMM Loans and a very lengthy weight I was told on XX/XX/2021, the loan would be credited the next day XX/XX/2021. That did not occur and now, I have received the attached statement dated XX/XX/2021 demanding double the mortgage payment. Please note EMM actually received payment on XX/XX/2021 and returned it! Now, who knows what is going on with the second payment EMM has and has not returned. This is beyond bad servicing it is illegal and after months of sheer XXXX with EMM and countless hours spent trying to get EMM to get its act together with my mortgage, I am having no success and EMM is getting worse. What damage will EMM do my credit?
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019 I sent via certified mail a request under the fair credit reporting act section 623 requesting basic information that they should have to verify that barclays bank was accurately reporting information on my credit report. My letter was delivered on XX/XX/2019 at XXXX. My request was ignored by barclays bank in violation of the FCRA and they did not respond within the 30 day window the law allows or even bother to respond at all.
Product: Debt collection

There is a debt collector calling me and my children for something my ex-husband owes. The are constantly calling and trying to get information I do n't have nor would I share if I did. The are scaring my children stating the have warrants or his arrest. I asked them today to stop calling and the man told me he would now start calling all the family again. Their number is XXXX, we have saved all the messages, they are giving out personal information. They are looking for a XXXX XXXX, he is my children 's father and my ex, this needs to stop. They made fun of me today for saying that we are saving all the messages, the man said " oh like a collage, how cute ''. I do n't know how to stop them, I block them and they call from a different number.