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

XX/XX/XXXX I went to bank to make changes of POD on a CD. Branch Manager XXXX XXXX assisted me and I signed the electronical signature machine to make the change. I requested a hard copy for my records. He refused to give me one. Because a mistake was made, I had to return to bank on XX/XX/XXXX to sign an addendum to the POD, this time on paper copy. I again asked for a copy for my records and he refused to give it to me. He said I could not have a copy of what I had designated. I insisted I wanted a copy so I would have proof of what I was requesting for my family to be able to handle my affairs at my death. He still refused.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balanced {$1.00} XXXX XXXX XXXX Balanced {$840.00} - XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, 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 accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 removed : XXXX XXXX XXXX XXXX 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

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS. 

PLEASE SEE ATTACHED DOCUMENTATION TO MEET DEMANDS IN A TIMELY FASHION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not applied for these companies.
Product: Credit reporting

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX The following items do not seem correct company name, account number and collection responsibility. Please review and remove this collection for being incorrect. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report. 

XXXX XXXX Did you verify this account directly with the court or through XXXX or XXXX XXXX? Or maybe even a third party? I contacted the court directly and asked them what information they verified with you and they told me that they do not verify information
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from XXXX due to a the 7 year period from last delinquency. Ocwen Loan servicing decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both Ocwen and XXXX. XXXX  states they can not accept my Support because Ocwens reporting is overding. Ocwen has provided letters attached that they say should be submitted to XXXX. XXXX says Ocwen still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX I CONTACTED THE DOCTOR PRATICE AND SPOKE XXXX, SHE STATED THAT THE XXXX   XXXX XXXX IS RETIRED AND THE PRATICE XXXX XXXX XXXX. HAS CLOSE AND NO LONGER IN BUSINESS, I WAS AND STILL A VICTICM OF IDENTY THEFT, STARTING YEAR XXXX CURRENT THE DEBIT COLLECTIONS COMPANY GOLD KEY, REPORTED 4 NEGATIVE ACCOUNTS WITH XXXX XXXX XXXX PRATICE, AND CAN NOT UPDATE WITH THE COMPANY THAT IS CLOSE, THE COMPANY XXXX IS WORKING IS A STEM CELL RESEARCH COMPANY CONTACT NUMBER XXXX ASK TO SPEAK TO XXXX., CONTACTED SECONDARY INSURANCE PORVIDER XXXX XXXX XXXX HAS NO INSURANCE CLAIMS PAID DATE CALLED XXXX FRAUD DEPT XX/XX/XXXX THEY HAVE NO RECORD OF DATES OR OPEN BILLS FOR XXXX XXXX XXXX, GOLD KEY DEBIT COLECTOR HAS REFUSE TO TALK TO ME XX/XX/XXXX.
Product: Mortgage

I applied for COVID 19 relief with US Bank. I was able to make all my payments. AS of today they will not release my mortgage to current status and claim I owe them XXXX. I am current with my payments. I have spoken to 4 different employees and each state that have started the process to end my relief. This stated in XXXX and still ongoing.
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be removed. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following item must be deleted : XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this fraudulent account ASAP.
Product: Debt collection

I have reached out to Experian, XXXX and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.
Product: Money transfer, virtual currency, or money service

XXXX. VENMO asked for my personal banking credentials TWICE, once through an online interaction and once from a representative of VENMO that I called. I had considerable monies in that bank and did not give it. They acted as if this was normal. This is very risky and they should NEVER ask this. 

XXXX. They show me VENMO transactions that my adult son makes. I don't know if he can see my transactions as we don't talk much. This should not happen. 

XXXX. Lots of spam from them and they make it very difficult to get any meaningful support. The said I got some money from my brother and I can't receive it now. Am working with them on it but extremely painful to access any customer support by them.
Product: Checking or savings account

My beloved wife XXXX and I went to the XXXX XXXX in XXXX, New Jersey in order to cash a {$76.00} joint income return tax refund check from the State of New Jersey! 

I was told that my wife had to have an account there! I was also told that the State of New Jersey requires a joint bank account in order to cash joint tax return tax refunds! 

I said this is my wife! I was not believed! In effect, I was called a liar! My wife was asked for identification! This was humiliating and embarassing! 

Other customers patiently waited! 

I was told to deposit said check and then fill out a withdrawal slip!

Fifteen minutes went by and finally, XXXX, we received {$76.00} in cash! 

But what do poor people do who have no checking account let alone a joint checking account? 

Ourageous! 

A violation of law and/or public policy!
Product: Mortgage

I paid off my mortgage held by XXXXXXXX XXXX in XXXX 
A company call Mr Cooper apparently bought XXXX XXXX and decided to keep my social security number and private info even though I 1. Had paid off my mortgage in XXXX and 2. Have never done business with Mr. Cooper ever. 
Mr. Cooper has now lost my information because they have been hacked. 
How long or if ever is Mr. Cooper as a legal Mortgage company allowed to keep my info?
Product: Debt collection

I defaulted on repayment of a credit card through State Farm XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim State Farm is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.
Product: Debt collection

I spoke with ERC over a year ago and requested them to cease calls. I began getting calls again and on XX/XX/XXXX requested for them to cease calls. I told the rep I had ceased calls and told them mail only. He said I had not responded to the letters and that is why they were calling me. I again told him to cease calls. I just received another phone call from them XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 U.S. C. 1681s-2 a furnisher must report accurate information under 15 U S.C 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Communication and Reporting to Consumer Reporting Agencies To Whom It May Concern : This letter serves as a formal notice to Capital One to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 15 U.S.C. 1681 ( a ) 4, 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( 6 ), Cease Communication Under FDCPA, 15 U.S.C. 1692c ( c ), I am exercising my right to request that Capital One XXXX cease all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office.

Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, 15 U.S.C. 1681s-2 ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Violations Creditor did not Provide : Requested Validation Chain of Ownship ( Securitization ) Assignment Contract with Wet Signature Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations.

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I closed all my accounts with my former bank in XXXX of this year. When doing so I understood that I could still have access to my statements online if needed for 2 years having been enrolled in the bank 's paperless statements I had been receiving them online only. This week I had need to view my statement to find a specific transaction so I logged into online banking only to discover that there were no accounts showing and no way to view my statements. I contacted the bank via their chat app and the agent who assisted me told me my only option was to go to a branch where they could print a statement for me at a cost of {$5.00}. I find this to be unfair as I had enrolled in the bank 's promoted paperless statement program and was more than willing to serve myself online where I had previously had access to my statements at no charge. Also in doing my own research I understand that the bank has an obligation to provide me with a statement if there were electronic transactions in the statement cycle and there were.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in 2017 Equifax had a data breached which caused my personal private information to be leaked. Due to this discrepancy, someone has opened a lease on an apartment which I have never been associated with or lived in. This is a cause of identity theft. 

The current balance is {$5500.00} and the original balance was {$5900.00}. 

Please rectify and delete this fraudulent information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XXXXbut no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Credit card

I am currently paying a {$120.00} annual fee for the Chase Sapphire Preferred Card, which is one of my favorite credit card products. Today, I found out my friends, who signed up for the same card during the same time as I did, is paying {$95.00} in annual fee. The company advised me that the Credit Card companies posts test links in the market to test a price plan. I, unfortunately, was targeted with a higher cost fee and the Customer Service Rep advised that he has seen a fee as high as {$150.00}. I advised that this does n't sound fair to me, considering the card has the same benefit as the Chase Sapphire Preferred that charges {$95.00} annual fee. This is very misleading to to consumers and I am concerned that it is targeting the audience unfairly. How many other consumers are they targeting at un-equal prices? Please advise. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX I sent {$160.00} to XXXX XXXX ( XXXX ) for two XXXX tickets that were posted for sale on XXXX. My understanding was that XXXX knows the identity of both parties and that everything is backed up by the banks. Mr XXXX also send me an invoice and I paid it. As soon as I transferred the money, XXXX disappeared, he cut off all communication with me and never heard from him again. I ended up getting tickets from another source and at half time I called chase trying to find a resolution to my situation. I was told that they could not help me out. That these transactions are not back up by their fraud protection and that I should only use this service with people I know ( family and friends ). That if anything I should reach out to my local police department and file a police report. 

They are giving thieves a golden opportunity to prey on the innocent. I dont understand why a company with so many transactions isnt doing anything to protect the customer. Or at least work with them to bring justice to the situation or identify these scammers in order to make this stop. 

To just give a blind eye to this problem is just ridiculous to me. If I had the power and the resources to make things right ( which XXXX and the banks partned with them do ) I would Until then - these criminals will continue to get away with stealing
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), the account with XXXX  XXXX XXXX  XXXX ( Account # XXXX ) in XX/XX/2022 has infringed upon my rights. According to 15 U.S.C. 1681 Section 602 A, I am entitled to privacy protection. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, 15 U.S.C. 1666B stipulates that a creditor is prohibited from categorizing a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt of late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Checking or savings account

XX/XX/XXXX : I was notified by XXXX, employee number XXXX. XXXX no. XXXX. 

Online account was closed. According to them there were 4 charges made by someone that hacked the card. There is no proof because they canceled my acct so I can not verify this information. 

I was told that no XX/XX/XXXX I'd receive my new card by XXXX  and there has been no notifications whatsoever from XXXX or XXXX regarding this issue. This means they have taken control of my money and my account, which is Fraud at this stage.
Product: Debt collection

The company put fraudulent information on my credit report and will not provide me with a wet signature signed by myself
Product: Credit card or prepaid card

Under Equifax Creditor reporting agency my XXXX XXXX account XXXX is being reported as late. This account was never later. Please have Equifax Remove Late Status.