23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For a quarter of a century, I have called this farm my home, tending to its every need. However, around XXXX, XXXX XXXX relinquished my mortgage to M & T Bank. Despite the change in ownership, I remained steadfast in my commitment to timely payments. Recently, as I made the difficult decision to sell my beloved property due to financial constraints, an unsettling truth came to light. It came to my attention that M & T Bank had failed to accurately document their acquisition of my property as a mortgage holder at the XXXX XXXX  Tennessee courthouse. Since the anticipated closing date of XX/XX/XXXX, I have tirelessly reached out to M & T Bank on a daily basis, desperately seeking their assistance in rectifying the erroneous deed at the XXXX XXXX  Tennessee courthouse. With the impending sale of my farm hanging in the balance, I have pleaded and implored for their intervention. Countless conversations with supervisors have only resulted in deceitful promises, leaving me feeling utterly betrayed each time I make a call to them. In my vulnerable state as an elderly woman battling a XXXX XXXX XXXX XXXX I cant help but feel exploited. I beseech anyone who can offer aid to please step forward. My contact number is XXXX, and my email address is XXXX. My fervent plea is for M & T Bank to rectify the deed at the XXXX XXXX Tennessee courthouse promptly and accurately, utilizing either a deed of trust or warranty deed, so that I may proceed with the closing on my farm and fulfill my obligations to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/PPC/Account # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have repeated ask Synchrony Bank ( Care Credit ) to mail me a refund check on a balance and its been months ( XX/XX/2023 to XX/XX/2023 ) and i have not received my refund account check of over {$400.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by TransUnion, XXXX, and XXXX. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed. 

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.
Product: Credit card or prepaid card

Discover Bank fraudulently closed my account without my consent due to the fact that it " doesn't like '' how I submit payments. Discover Bank dishonored every negotiable instrument I sent to it. Discover Bank didn't return any negotiable instrument bank to me ( beneficiary ). Discover Bank didn't provide any lawful reasons of doing so. Discover Bank is in breach of FDCPA 15 USC 1692a1. It is Discover Bank duty to honor negotiable instruments for payment, to know and abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for payment of debt in accordance with 31 USC 5118 and other statutes/codes. 



" Dear XXXX XXXX, As a result of a recent review, we have closed the account referenced above. 

We have taken this action because your account is not being used as intended. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one. 

If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security ''
Product: Debt collection

Calls everyday, twice, three times a day. No message, no human, no recording, dead air. Never leaves a message. I do not know this company, there is nothing on my credit report for this company. But I am constantly being harassed by repetitive calls. I can not receive calls during working hours of XXXX - XXXX or my job is at risk, This needs to stop or they need to leave a message or a human needs to tell me what this is in regards to. Enough is enough. They don't seem to care who they are calling or if it's the correct person they are calling. Nothing
Product: Debt collection

I consumer XXXX XXXX currently submitting a complaint against XXXX XXXX XXXX a debt collection company as i received an update of my consumer report of XXXX XXXX XXXX reporting a collection account on my consumer credit report ( XXXX XXXX XXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given XXXX XXXX XXXX consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that XXXX XXXX XXXX remove this alleged debt immediately from my consumer report. In this complaint i am notifying XXXX XXXX XXXX pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to XXXX collection company XXXX XXXX XXXX through the CFPB with this complaint. Do to XXXX XXXX XXXX being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding XXXX  ;.
Product: Credit card or prepaid card

on XX/XX/2021 charges were made on my discover credit card that were fraud. In an amount of about {$7500.00} before any other fees they added. 

My properties was stolen and used without my knowledge and authorization. I lost my Discover credit card, XXXX credit card, Td bank credit card, as well as my phone and i.d . Charges were made on all cards. Discover card did not protect me when i contacted them to let them know that fraud had happen on this account and by law i am aware that XXXX not to be held responsible for anything without my agreement and im to be protected. i notified the police and have the report number here ( XXXX ) I sent this to discover as well and nothing was done. They claim that the charges was valid without validating them. Someone stole my identity and used my charge cards.
Product: Debt collection

When the debt from National Credit Systems showed up on my credit report, I sent a letter to the company requesting verification of debt ( primary documentation, signatures, etc. ) on XX/XX/XXXX. No response was forthcoming other than an offer to pay a lesser amount, but no other information was sent ( via letter which was requested. ) XX/XX/XXXX, documentation with NO signatures from neither myself, XXXX XXXX ( the other individual connected to this collections ), nor the property manager- just a debt summary a law firm ( From XXXX XXXX XXXX XXXX- was sent over. 

There are no statements indicating this law firm is representing XXXX XXXXXXXX XXXX but the third-party collector National Credit Systems . 

Furthermore, a hearing on XX/XX/XXXX was done and completed with XXXX XXXX XXXX as the Plaintiff and XXXX XXXX XXXX XXXX XXXX defendants. This took place in XXXX XXXX XXXX XXXX court ( case number : XXXX ). The courts determined judgement was " non-suit ''. We do not owe XXXX XXXX XXXX XXXX XXXX this debt. 

I had disputed this with XXXX to remove the collections, but they continue to report this derogatory information. This third-party agency has not provided appropriate documentation that shows I actually owe them this debt, especially as I did not owe the first party ( XXXX XXXX XXXX this debt. 

Attached is the official postal receipt and letter sent by XXXX XXXX, the court hearing and judgement, and the documentation sent ( two-three months later after the original letter requesting information was sent ), with unofficial signatures from both the property manager, nor XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several attempts to dispute inaccurate information on my credit report. experian keeps stating that the address and telephone number is correct. I can't contact original creditor about this debt of 7years. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX XXXX XXXX A # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ADDRESS IS INCORRECT PHONE NUMBER IS INCORRECT WHO IS VERIFYING THIS DEBT? WHAT IS THE CORRECT ADDRESS? WHAT TELEPHONE NUMBER DID U CALL? CAN U PLEASE GIVE ME A CONSUMER CONTRACT WITH MY SIGNATURE? 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I received attached letter having file number # XXXX from TransUnion dated XXXX/XXXX/2022, which appears to be a delay and stall tactic. My research shows me the CFPB and Federal Government has sued the credit agencies for the exact actions, and the law says the credit bureaus must honor the consumers requests regardless if it does comes from third parties. Please take notice I do not understand the letter, nor do I consent to any delays and or stall tactics. TransUnion I respectfully REQUIRE you to honor my notices and letters sent to you by USPS CERTIFIED MAILINGS immediately and remove all inaccurate, incomplete accounts not 100 % percent accurate and as mentioned in your letter " process my requests ''. I sent you the notices, and I am the author! Please CEASE and DESISTS violating my consumer rights. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Activity on Credit Report Pursuant to 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to dispute fraudulent activity on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently pulled my credit report as part of the process of purchasing a house and discovered discrepancies that require your urgent attention. 
The following discrepancies involve accounts that were not verified, and I am seeking your assistance in having these inaccuracies rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not verified, and I believe they are the result of fraudulent activity. I have attached documentation supporting my claim, and I request your immediate investigation into this matter. According to 15 U.S.C. 1681, I am entitled to accurate and verifiable information on my credit report, and any discrepancies or fraudulent entries must be promptly addressed. 
I kindly request that the aforementioned companies be removed from my credit report following a thorough investigation. This dispute is crucial for my ability to secure a mortgage for the purchase of a home, and I trust that you will treat this matter with the urgency it requires. 
Please inform me of any further steps I need to take or provide any additional information necessary to facilitate the resolution of this dispute. I appreciate your attention to this matter and look forward to a prompt resolution. 
Thank you,
Product: Credit reporting or other personal consumer reports

Ive requested that the items below to be removed off of my report. I am a victim of my identity being stolen and used again me. Im asking that someone dont over look my information but handle it with care and investigate carefully about the information that I have submitted to this bureau.
Product: Debt collection

Debt collector repeatedly called my employer after being verbally told not to because the number was never provided on the original credit application or form for services. The debt collector admitted to seeking out my employers number online then started contacting me at work without authorization. Secondly the original creditor is billing me for archives that were never rendered. This XXXX is for XXXX appointments that were canceled within the allotted time frame outlined by the medical practitioner.
Product: Credit card or prepaid card

I applied for the XXXX XXXX Credit Card two weeks ago. On the site it offered a {$200.00} STATEMENT CREDIT after spending {$500.00} in the first three months. I applied for this card and was approved. Upon approval the page loaded and now said that I would receive a {$200.00} XXXX GIFT CARD. Normally, this would not have been much of a big deal to me but because we are going to XXXX in less than a month, the gift card would arrive too late for us to use at the park. Since, the promotion being advertised was NOT what I was being given I decided to call the company and ask them to uphold the offer that I had been promised when applying. I worked with them ( was told I 'd need to meet all requirements BEFORE they could submit anything for me ) and after meeting ALL of the requirements I called back and submitted a request to receive the promised {$200.00} as a statement credit. They sent the issue to their Advertising Dept. where it was rejected. I called back and this time asked to speak with a supervisor. This supervisor was VERY HELPFUL, he went to the site that I had applied for the card from, saw that I had in fact been offered a different promotion and told me that he would push it through and make sure that they " did what they had promised. '' I felt assured that all would be resolved and waited. Then today I received another written notice that my request had been denied. I called and was informed by a supervisor that there was no other option for me to resolve this, that there was no one with more authority that I could speak with and no way for me to speak with someone in the department that rejected my claim. He told me there was nothing else that could be done regarding this situation and while I sat there in shock at being told that they would not continue to help me with this, he politely hung up on me. I can not believe that an established and trusted company such as CHASE bank would treat a customer this way. I did everything required and their promotion is falsely advertising something they are not willing to give. I also calmly tried to give them a chance to make this right and was treated very poorly AND they have done nothing to resolve the false advertising which can be easily viewed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole situation has left me feeling powerless and unheard so I am hoping that the CFPB will help me to hold CHASE accountable. The last supervisor I spoke with made it very clear that the company did not care what they had promised and that I could not do anything about it. I do not believe that this is appropriate or fair. 

Thank you so much for your time, XXXX XXXX
Product: Credit card

Credit applications were made for a Capital One Card on XX/XX/year> without my consent Credit application was made for a XXXX XXXX Credit Card account on XXXX XXXX without my consent.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : 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 XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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

To Whom It May Concern : This letter is in response to your recent claim XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is now requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete representing a grave error in your report.

allowing letter
Product: Checking or savings account

Outrageous service fees for recent financial records. {$5.00} for each statement for a total of more than {$180.00}. I need financial records for my father 's rep payee account and trust account. I supervised both accounts while he had XXXX XXXX. After he died Golden 1 automatically terminated both accounts before I could download the full records. I went into the local Golden 1 office. They printed only the most very recent financial records for me. When I requested all the financial documents going back to mid 2016 they told me they will charge me {$5.00} for each and every month! It is Outrageous that they turn simple access to relatively recent financial records into a gross profit making scheme. {$5.00} for the first month is one thing, but {$5.00} for each and every month is just plain thievery. These people are crooks. A {$180.00} for me is a big deal because I am XXXX and living on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of Identity theft. This account is fraud. I sent Experian and XXXX the FTC report and my State ID certified mail.