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

We had a CD renewed on XX/XX/XXXX and bank offered to renew them on US BANK APP. We choose the new term with XXXX XXXX XXXX XXXX months. The transactions was successful but it did not renew to XXXX XXXX XXXX XXXX months instead it renewed to XXXX XXXX XXXX XXXX months. 
The bank had glitch in their app. We faithfully followed up through online banking to inform this problem. Being a XXXX XXXX the bank employees was not helping much. They were dodging and trying to extend the conversation without looking at the notes captured by the previous employee ( there is no log of this issue ). They gave XXXX days deadline to correct many times but it did not happen. We have keep calling many folks int he bank including the local branch XXXX. They promised to reflect the correct term that was shown in the app but failed to do it for XXXX days. We are frustrated and we wasting our time to interact with everyone in the bank but no one really following up on this matter. It is scam that they want to renew the CD for lower rate. This bank should be investigated and their online app is giving misleading information. We are not able close the CD also. The bank is treating us bad. We want the CD should have agreed selected term or close the CD and give back the money. Local branch XXXX in XXXX XXXX XXXX is rude and does not give any proof of their helping.
Product: Credit card

I OPENED A CARD WITH CAPITAL ONE RESPONDING TO A PRE APPROVAL OFFER. I GOT THE CARD SENT TO MY SISTERS HOUSE IN WHICH I WOULD BE STAYING BECAUSE SHE HAD A XXXX AND I HAD TO MOVE IN TO TAKE CARE OF HER. I ORDERED THE CARD TO HELP TAKE CARE OF HER MEDICINE EXPENSES MONTH TO MONTH. I GOT THE CARD AND WHEN I WENT TO ACTIVATE IT IT SAID IT WAS A FRAUD ALERT PLACED ON THE CARD. I CALLED THE FRAUD DEPT AND THEY SAID THAT I HAD TO PROVIDE PROOF OF MY IDENTITY. I THEN SENT THEM A COPY ( FRONT/BACK ) OF MY DRIVERS LICENSE, AND A UTILITY BILL FROM MY SISTERS ADDRESS WITH MY NAME ON IT. AFTER THAT THEY SAID I NEED TO SEND IN A COPY OF SS CARD! I EXPLAINED TO THEM I DO NOT FEEL COMFORTABLE WITH SENDING OVER ANYMORE PRIVATE INFORMATION LIKE THIS - YOU HAVE MY ID AND A BILL AND THAT SHOULD BE IT. I 'M NOT SENDING MY PERSONAL AND PRIVATE SS CARD OVER INTERNET OR FAX. ITS NOT SAFE TO ME AND UNNECCESSARY. I CALLED TODAY TO CLOSE THE ACCOUNT ALL TOGETHER. I DONT WANT TO DEAL WITH CAPITAL ONE ANY LONGER AND I WAS TOLD THEY CAN NOT CLOSE MY ACCOUNT WITHOUT MY SS CARD SENT TO THEM! I HAVE NO BALANCE I WAS NEVER EVEN GIVEN THE CHANCE TO USE THE CARD! I JUST WANT IT CLOSED AND NOTHING TO DO WITH THEM. THEY ARE TRYING TO CHARGE ME AN ANNUAL FEE FOR NOT EVEN BEING ABLE TO USE THE CARD!! I WANT IT CLOSED THATS IT!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance Owed : {$0.00} - Charge off
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the outcome of my second attempt to remove charge-off accounts from my credit report. Despite providing comprehensive documentation and following the appropriate dispute procedures, the charge-off accounts remain on my credit report, negatively impacting my creditworthiness. 

I am concerned that despite my diligent efforts to address and rectify this issue, the charge-off accounts persist on my credit report. This situation has significant implications for my financial well-being, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the charge-off accounts from my credit file. 
XXXX communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} 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 or other personal consumer reports

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. XXXX- {$3600.00} XXXX. XXXX- {$3500.00} XXXX. XXXX- {$2200.00} XXXX. XXXX- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by XXXX. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. XXXX removed the fraudulent accounts. However, XXXX and Experian have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with XXXX. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Product: Debt collection

A family member received a letter ( at an address I do not reside at ) on XX/XX/XXXX from an 3rd party informing that I was being sued by Velocity Investments LLC. This was my first time hearing of this company, as they have made no attempt to contact me and I have no prior interactions with them. I called their public phone number for information and to request validation of debt, but the company did not answer the phone or respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I was retaliated against after filing report with your agency. The added comment that I am disputing balance and my balance decreased by XXXX dollar. 

I lost 33 points for doing the right thing. They did not correct balance but dropped massive points due to me disputing incorrect information
Product: Debt collection

I called twice on Monday, XX/XX/XXXX. The first instance was at XXXX XXXX., in which I was trying to obtain information about the charge for {$430.00} that was opened XX/XX/XXXX. I was told they were hired by the original creditor ( XXXX XXXX XXXX XXXX ), which I know not to be true because they no longer exist as a landlord entity and haven't for a long time ; Also this charge just became active again. I was told they sent letters in the mail as an attempt to contact me, I never received any letter at any address I've updated with the post office. I asked to which address they sent the contact attempts, to which the agent replied " It doesn't matter '', I quickly replied " Of course it does if you say you made attempts to contact me '', to which she finally gave me an address. I asked what I could do to dispute this, she asked if I had any documentation of proof I did not owe payment, to which I replied that she could provide any proof of my liability to pay. She said " We can dispute this back and forth until we're both blue in the face but it won't matter '' and ended up hanging up on me. 
I called back five minutes later at XXXXXXXX XXXX., talked to the same lady, and asked if she could provide me with any and all signed documentation of proof of agreement to pay the stated amount of {$430.00}. She replied that she would send it to my email, I provided her with the correct spelling ( although they should have my information on file if they were truly hired by that landlord entity ), but I still have received no information or proof from National Credit Systems. Upon contacting the property she told me they sent the letters to, the current management told me they have never received mail there in my name nor had any documentation to provide as the property itself has been bought out by a completely different landlord entity. Due to the fact this is affecting my credit score, ability to find a home to rent, and ability to apply for loans, I disputed this on XXXX, XXXX, and XXXX as I have been provided with no proof of signed agreement to pay the {$430.00} even after requesting it.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

This company charged me for late fees that should not have been charged. They made a mistake in their app with the wrong information. I should not had no late fees. I included their digital statements that show late payments. I included my bank statement shown. I had the funds. I included bank account attached to account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to formally dispute certain inaccuracies on my credit report and to report an instance of identity theft involving the unauthorized use of my Social Security number. This matter falls under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the highest level of accuracy in consumer files. The following accounts, inquiries, and public records reflect fraudulent activity and should be removed immediately : Accounts to Be Deleted : XXXX XXXX XXXX Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record to Be Deleted : XXXXXXXX XXXX XX/XX/year> Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Additionally, under

15 U.S.C. 1681c-2, any information proven to be linked to identity theft must be blocked from my credit file within four business days of receiving a valid identity theft report. I request that these errors be addressed immediately per this legal requirement.

The misuse of my Social Security number for unauthorized accounts constitutes a violation of 15 U.S.C. 1692e, which prohibits deceptive practices in credit reporting. Furthermore, under 15 U.S.C. 1681s-2, data furnishers are required to ensure the accuracy of the information they provide and must thoroughly investigate any disputes. The continued reporting of fraudulent data violates this obligation.

Under 15 U.S.C. 1681i, I formally request an investigation into these disputed items. Any unverifiable, incorrect, or fraudulent information must be removed without delay. Should these inaccuracies persist, I am prepared to take the necessary steps to enforce my rights under federal law.

This letter should be considered an official identity theft report. I have enclosed supporting documentation for reference. I expect a written confirmation of your investigation results within the legally mandated 30-day timeframe.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had funds being transferred from XXXX to XXXX to a chase checking and some of the money was not accounted for ... I originally filled a complaint with the OCC and they in turn handed it over to the FBI finance division who apparently sent me a letter to an address I do not live at and it was returned. Now with out the special file number on the letter I can not get the information. I called the FBI who gave me the finance divisions number who in turn said no information with out the number on the letter. I asked them to resend the letter and they said no go without the file number in this letter. What to do? Need I say more! So how do I find out if chase was responsible for the account errors? This was in 2012 Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a XXXXXXXX veteran and run a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all XXXX major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated.

The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX  2 Social Security Number/ XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXXXXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXXXXXX XXXX XXXX  1 Social Security Number XX/XX/XXXX XXXX 2 Social Security Number XX/XX/XXXX XXXX XXXX XXXX investigate the following accounts and remove them this in not me. 
Account Name : XXXX Amount : {$110.00} Date XX/XX/XXXX Account XXXX Please investigate the following accounts and remove them from my credit reports Account Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} Date : XX/XX/XXXX Account Number : No Account Number Located Thank you for your assistance in this very important matter. 
Respectfully, XXXX XXXX
Product: Mortgage

I am attaching a Mort gage Statement received from Shell Point Mortgage. I do not know this Company nor I borrowed any money from  them.   I want to send them a QWR Notice under RESPA. But their Mortgage Statement does not have any address to which I can send this QWR, although it is required by Law.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX, XXXX and XXXX about fraudulent information being reported on my reports and submitted disputes for all accounts that were in question. I also reported that my personal information was compromised and needed it to be 100 % accurate due to ID theft that happened in XXXX and also again in XXXX. On XX/XX/XXXX I received an updated copy of my report with some of my request granted concerning my personal information but none of the closed or collection accounts were properly verified. At that I time I requested for a second time to have 100 % account verification and on XX/XX/XXXX my report was updated once again as verified but my request to have proof of the method of verification according to the FCRA section 609, section 605 and section 623 that I have the right to have all data, every notation, dates and balances validated 100 % accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated the law.
Product: Debt collection

I recently pulled my credit report, and noticed some errors. Please investigate and update as they are causing adverse harm to my credit report and good character. 

( Midland Credit Management XXXX {$1200.00} - Unverified Account ) In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe to this collection agency, I have not received the following documentation from Midland Credit Management # 1-5 : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the 4. Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.

5. Payment history from original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Ive recently received mail stating a response dating XX/XX/year> from XXXX only and i believe i requested the information that all three bureaus send me direct proof of the information from the furnishers that is being reported to them regarding the information on my consumer report also asking if i did not receive that exact information i demanded deletions of those reports as ive been asking for the last XXXX. THEY ARE STILL INACCURATE which you will see in the files i upload. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. 

I want the original files with my written signature in ink that has been reported from these furnishers to the credit bureaus giving my authorization to report my private personal information to the following accts. If can not provide i demand DELETION as i do not authorize these third party companies to report on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information *DISCLAIMER : Myreport is not a guide line to update your information, ... its only to show that the information you're receiving from the furnisher is INACCURATE so you must delete without prejudice!
Product: Credit reporting or other personal consumer reports

I had XXXX credit cards with XXXX  XXXX XXXX. I paid both in a settlement. In XXXX, I received a tax document to file these cards on my taxes. According to Federal guidelines credit cards can not be counted as credit and income. These XXXX cards are still on my credit report. XXXX  account will be removed in XX/XX/XXXX and the other in XX/XX/XXXX. I am unsure how when both were paid at the same time. I have written XXXX, Equifax, and XXXX and they refuse to correct my account.
Product: Debt collection

XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not recieved a written notice of clarification. So, I assumed that the debit was invalid. 
I was then contacted by a collection service ( State Collection Service Inc. ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act.