23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Frontline Asset Strategies informed me via email on XX/XX/, that I owed money to XXXX XXXX XXXX from XXXX XXXX. XXXX XXXX has not provided me with any services in several years. To ensure the email was legitimate, I performed a XXXX search and visited the company 's website via the search page. I dialed the number listed on the website seven times : ( XXXX ) XXXX. The phone number displayed in the email differs from that displayed on the website. The communication contains the phone number ( XXXX ) XXXX. Each contact was met with an automated message informing me that a representative was unavailable, and then it disconnected the call. I replied to the email I received but have not yet received a reply. I require validation of the debt, as well as copies of any executed contracts and other evidence demonstrating that I have utilized this company 's services.
Product: Credit reporting or other personal consumer reports

ATTACHED IS PROOF OF AN INVESTIGATION THAT WAS DONE ON THE LATE PAYMENTS REPORTING ON A CLOSED ( BANK OF AMERICA XXXX ) ACCOUNT. THE ACCOUNT WAS CLOSED ( HIGHLIGHTED ON ATTACHED DOCUMENT ) XXXX AND THE FIRST LATE PAYMENT IS LISTED AT XXXX ( HIGHLIGHTED ON ATTACHED DOCUMENT ) PLEASE UPDATE THIS ACCOUNT TO CURRENT/ON-TIME OR DELETE THIS ACCOUNT FOR THE IMPROPER INVESTIGATION THAT WAS DONE By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
Product: Checking or savings account

On XX/XX/XXXX I was in my home town shopping at Costco with my family, when I left I was alerted by my bank that fraudulent charges may have accrued. I immediately called my bank and filed a clam that these charges of {$100.00} {$100.00} {$100.00} {$99.00} {$99.00} were not made by me. They temporarily refunded the {$500.00} dollars to my account, while they investigated these charges. 
Today I got a letter from my bank saying that they are not able to honor my request for reimbursement. They will be debiting the full {$500.00} from my account. I am beside myself, I did nit make these charges. I don't ever withdraw cash from ATM 's this account activity is not normal form me how can thy do this? The charges were made 45 minuets away from where I was at the time. 
I thought my money was safe at Citi bank. I called my bank today and found out the dates and times of these transactions that proves that I could not have made these charges. Im now not able to pay my rent now, my account is going to charge me over draft fees my bank is not protecting me or my money from fraud and I need help in hope to fight this. I was unaware that I was supposed to file a police report, but I will be filing one tomorrow. Citi bank was completely unhelpful.
Product: Credit reporting or other personal consumer reports

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the XXXX shows the letter was delivered on XX/XX/XXXX. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX Account XXXX Account type : Business Card Responsibility : Joint Date opened : XX/XX/XXXX Status : Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Lease Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type : Auto Lease Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$35.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$35000.00} XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Responsibility : Individual Date opened : XX/XX/XXXX Status ; Account charged off. {$20.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$10000.00} Balance updated : XX/XX/XXXX Recent payment : {$2100.00} as of XX/XX/XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account type : Auto Loan Responsibility : Individual Date opened : XX/XX/XXXX Status : Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance : {$6000.00} Balance updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account type : Secured Loan Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed. 
Status updated : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts and going back and forth with the condescending and negative attitudes with various EQUIFAX agents and dispute department reps on the phone, especially when requesting to speak with a supervisor, manager or United States agent. On several occasions I made calls to their recorded line and uploads were made to update and/or for this account to be adjusted and removed to it's inaccuracies that are causing irreparable injuries to myself and business partners. EQUIFAX simply does not care about real issues that effect and harm real people. Uploaded is a FICO report that clearly shows said inaccuracies being reported and EQUIFAX 's reluctancy to rectify their error ( s ) and harmful practices. There were also documents sent to their CEO to settle and address these issues as well as requests/demands made for proofs authority and equitable interest in said Estate. I am still currently awaiting a response for those request/demands and expect a default to ultimately happen in the near future. To this day I am currently being continuously denied for any " loans '' or " Loan programs and I as well as my partners are currently in the midst of losing a lot of capital caused by their actions and reporting inaccurate information to cause these injuries. It's illegal and unlawful.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX : XXXX  XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  Inquiry date - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Product: Mortgage

I have been in the process of a loan modification with Ocwen Loan Servicing for about 2 years. I keep submitting application packets with all the documents requested by mail, e-mail, and fax all this time. I send one packet and Ocwen states it already expired and need to do a new one again and that some documents have been missing. I asked myself if all the documents requested were mailed and e-mailed in the packet, how is that possible that you can find some documents and not others. Lately I have been calling like every other day to make sure they receive documents requested and they never receive it or they tell me you need XXXX documents so that we can close the modification and when I called back in 1-2 days they tell me that it was not those XXXX documents, that I need XXXX different new ones. We have a Dual Tracking Issue here. They keep extending the time, every time more and more so that they can have enough time and foreclose in my house. I already had a sale date back on XX/XX/XXXX which they cancel few days before. Now they have a sale date on XXXX/XXXX/16. Of course this is what they want, for me to loose the house because it is their best interest not mine. They have not helped me at all to get a modification. My intentions is to keep my house, which I purchase 16 years ago. Sometimes unexpected things happen in life, such as divorce, illness, caring of an ill person, death of a loved one, unemployment, like happened to me in the past 5 years and now a bank that is lying saying that I am not submitting the documents requested because they want to stay with my house to sell and benefit from it. They continue to give me a hard time and do not want to work with me on saving my house. Thanks anticipated for all the help you can give me.
Product: Mortgage

We were applying with Wells Fargo for a mortgage n XXXX ok. The agent said we were approved. The she, XXXX XXXX, took the action under a Wells Fargo to take a personal line of credit or debit card out against our request or knowledge. We were then declined on the mortgage but our credit dropped and we endured personal stress. We were dealt with in bad faith by what appears as fraud. We received a check as a result for {$64.00} from XXXX vs Wells Fargo. As our share of the settlement agreement. We need a fair settlement for being financially abused, defrauded, bad faith, and decline of credit rating. 
It is unsatisfactory that attorneys we did not hire get huge settlements and Wells Fargo pays hundreds of millions while victims get nothing fair
Product: Debt collection

Bull city financial debt collectors put a collection of {$1200.00} on my XXXX credit report. This debt was originally put on XXXX and was almost immediately removed from XXXX after I disputed it but remains on XXXX. I lived in florida and then later on moved out-of-state. When I was getting ready to move. I called the original creditor which was XXXX XXXX and asked them to terminate service At the service address because I was moving. They set up a date. I paid my remaining balance. 
And When I moved I left a fowarding address. After this item was disputed and Removed from XXXX I noticed it was immediately put on to XXXX I called bull city financial. They were Extremely rude to me. I tried to explain to them that I had service disconnected and my final bill was in fact paid and that I did not owe this money. And could they please send something to me? Such as a verification letter, a summary of charges, something showing how this Amount came to be. They did send a validation out 30 days later. But that is absolutely not what I requested. And it didn't have any of the information on it That I ask them to provide. I also contacted XXXX 
By phone as well as disputing this on the app several times with no success. I then proceed to call XXXX XXXX. The original creditor they transferred me to 4 different departments. And no one could help me. They stated that after 2 years, their systems were wiped clean. And they had no information on this account that could help me. So again, I reach out to bull city financial. 
Several times with no success. Then I started emailing the help desk over At bull city financial several times they only responded once. Via email and stated that they sent me a validation letter. I then responded back to them by saying that that is not what I'm requesting and ask them if they could Please send me proof of these charges. 
I haven't heard anything back so I sent another email asking the same thing. Several days has went by and still nothing. So now I feel that I'm being ignored. 
The resolution that I'm seeking is if bull city, financial or XXXX XXXX can not provide the information that I'm requesting. And prove these charges to me that they say I owe As well as proved to me That service was in fact disconnected on the date that was set up when I made the original phone call. I know for a fact, my balance was paid and full before I left The state of Florida. I would like to see it removed from my XXXX  Credit report and be prohibited from being put on my XXXX credit report and for that matter. Any of the three credit Reporting bureaus. 
Thank you, XXXX XXXX
Product: Bank account or service

XXXX XXXX, 2015 between XXXX-XXXX., I had got off work that morning and went to Key Bank in XXXX , Ohio to meet my Sister and Brother at XXXX. to discuss an outstanding loan debt with a loan officer. I was running about 5 minutes late, but when I arrived there, we were denied entry into the Key Bank located XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Ohio. They were only allowing XXXX in to do business. I felt that I was being discriminated against and could not understand why I was being treated that way. I have been a customer of this bank for years and I too was not allowed entry, we were literally locked out. I am an XXXX female who just wanted to talk with someone in the bank concerning modification of a loan. I was told to " go to another bank, on XXXX XXXX in XXXX XXXX talk with that Loan officer, who happens to be XXXX XXXX too. It was quite embarrassing. Though ... .after about 45 minutes, standing outside, witnessing XXXX police cruisers pulling in and them letting all the white customers out, my brother and sister and I were finally allowed entry. We asked why " we were not allow in but the XXXX customers were,? '' the Relationship Manager on duty, XXXX XXXX said, " because their system was down. '' That 's what explanation she gave us, which could n't be true, seeing that the white customers had no problem gaining entry and transacting their business. It was n't fair that me, my sister and brother were denied that opportunity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Checking or savings account

There were three transactions that this creditor called XXXX took out of my account after I had given them notice NOT to over three weeks in advance and they were already in a debt consolidation program with my lawyer 's office. These amounts were all in the amount of {$100.00}. Bank of America credited my account and put a stop payment on this creditor months ago, but now Bank of America is threatening me, a senior citizen on a fixed income, that they are taking back the credit if I don't give them more proof in writing. I have a copy from my attorney 's office that I submitted to them and I am submitting to you showing that XXXX is in this program and should NOT have been debiting my account. Bank of America threatened me if I didn't fax them proof before the end of this week, they would take the money out of my account which I don't have. I faxed them the proof today but felt it necessary to send you this information also because I am having so many problems with this lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT AMERICAN EXPRESS SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. XXXX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM AMERICAN EXPRESSED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. XXXX OR AMERICAN EXPRESS DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY XXXX CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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, an a installment loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and a collection account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

After re-investigating my bank statements, I have confirmed that Credit Genie has made multiple, unauthorized charges to my bank account, even despite and SINCE my requesting and providing my information to a Credit Genie customer service agent in order to delete my account. The account had not been active since my payment back to Credit Genie on XX/XX/XXXX- which is the last valid payment due to Credit Genie, in the amount of {$34.00}. 

However, the following charges of various amounts are extremely concerning to me as a consumer who has experienced financial fraud on my bank account between XXXX - XXXX. 

Here are the following charges that were NOT authorized by me. I would like to request an immediate refund of these charges : XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$76.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$4.00} ( after 5 months they began charging my account again out of nowhere ) XX/XX/XXXX - {$4.00} Again, the last valid payment that I authorized & made to Credit Genie is dated XX/XX/XXXX in the amount of {$34.00}. 

Attached is an email indicating a Credit Genie customer received my request and asked for my information in order to delete the account. I emailed in response and did NOT receive a response, nor confirmation, nor refund. 

I am requesting for Credit Genie to refund me ALL of the aforementioned charges immediately AND to cease the charging of my account and delete my customer profile immediately ( all my personal and bank information ) in their system. 

Should my request for refund and the ceasing of using my account be ignored, I will be pursing legal action for the financial damages owed to me.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX