23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.
Product: Debt collection

Debt collector is attempting to add {$400.00} of fees in a 2-3 week period for a {$100.00} debt. There was no prior or legal agreement with their company that allows them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Product: Mortgage

I have a XXXX mortgage with Bank Of America. I have been for the last 10 years showing them that I am not in a flood zone. I have pulled flood certification directly from FEMA showing I am in Zone " XXXX '' that does not require flood insurance. They have always come back and stated I am getting forced paid flood insurance. I do not on my XXXX. mortgage have flood insurance as the lender if XXXX XXXX and state I am not in a flood zone. I am not able to sell my home as I would have to state in flood zone, I am not able to refi my XXXX to get away from them as my value will not come in. They told me I need to get a letter from FEMA /LOMA . In order to get FEMA to give me a letter as they stated I am in zone " XXXX '' I need to get an engineer to provide grades. I finally saved the money to get this completed this year. The engineer came out to my house and stated you are not in a flood zone. Your structure is the highest on your block. I stated I know as no one on either side of my home needs to have flood insurance but Bank of America tells me I do need it. The engineer completed the paper work, I paid the money. I then sent in all my paper work to FEMA and FEMA sent me the LOMA. The letter stated that I am in zone " XXXX '' and that my structure for my home is in flood zone " XXXX ''. I sent everything over to Bank Of America several times with in the past 4 months and Bank of America keeps sending me the same letter for what I need to do to get out of a flood zone and not have forced place insurance on my home. This is very stress full as I did what they told me, I have been going round and round with them for the past 10 years. I need help, I can not sell my home as would have to state I am in a flood zone on the Illinois state Real estate disclosures, I do n't have the money to pay them off out right and ca n't refi as I am still upside down like most on my value of home. Please I need someone to help me as this is not correct. I have done everything and provide proof over the years to show I am in zone " XXXX ''. They have added on money to my amount I owe them in my balance to cover the force placed insurance over the years. Please help me as I am not in a flood zone.
Product: Debt collection

CONVERGENT OUTSOURCING , INC must have bought out another company with intention to add an account that was closed and removed off my XXXX credit report for fraudulent reasons in 2013. Then updated the information and put it on my XXXX credit report this year. This is not the first time it happen. It keeps popping up and removed ever time I file a complaint.
Product: Checking or savings account

I sold my watch to a company XXXX XXXX XXXX, they sent me a check for {$3200.00} on XX/XX/2023, I deposited the check in my account electronically via my phone app with CHASE Bank , couple of days later I try to use my card and it gets declined. I call the bank and they said the check was flagged as potential fraud and consequently they restricted my account and may close it and they need the issuer to call them to tell them the check is legit. I provided them with several numbers after contacting the company, CHASE kept repeating that none of these numbers are verified. Their next suggestion was for the company to recall the check, the company refused to do so, their reason is We can not void the check anymore because your bank CHASE cashed and scanned it. So we cant void at this point. Chase kept toying with me for a week repeating the same thing, claiming procedures and not trying to help or look for an alternative, consequently, I am late on my bills, my credit score has been damaged due to Chase actions.
Product: Credit reporting or other personal consumer reports

I am not familiar with doing business with credit collection services. After XXXX  this looks like a collection agency. I have yet to receive a letter of validation. Also, they keep texting me at ungodly times even when I opted out. It also looks like my personal information was sold to this company. This is a clear FTC violation of code 15 USC CODE 1681S-2. The collection account also shows open.
Product: Money transfer, virtual currency, or money service

This in regard to complaint ID XXXX submitted on XXXX XXXX with regards to fraudulent debits that were charged to my checking account for the purchase of bitcoin currency made XXXX XXXX XXXX who has impersonated himself as an an employee of XXXX. 
The total amount for the fraudulent charges were {$9900.00}. As of today Citibank has refunded {$9200.00} of these charges that were credited to my account on XX/XX/year>. 
A credit adjustment of {$790.00} is required to offset the total of the fraudulent charges made to XXXX.I notified XXXX on XX/XX/year> and a fraud report was filed with XXXX and the account is locked and further investigations are being conducted at the amount. 
A credit of {$790.00} is required from Citibank to close this case. I am providing documentation pertaining to amount required to close this case
Product: Checking or savings account

On XX/XX/2023 I filed a dispute against XXXX and XXXX for hacking into my account. I called Huntington Bank to get a Temporary Hold placed on my account. Until they've figured out what was going on. They placed a temporary hold on my checking account and did an investigation. The investigation stated it was an Error and that the merchant had until XX/XX/2023 to respond to the request against them. The merchant never responded back to request after 45 days. Huntington Bank still haven't replied to release my funds or hold on my account. So at this point they're still holding on to my funds. They have refused to give me any legitimate answer as to why my account is still on hold. I successfully won my claim but Huntington Bank has refused to honor my Successful claim and at this point I will like legal actions filed against Huntington Bank and looked further into this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination from Equifax were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Donut, Inc is a XXXX " XXXX '' account that converts USD to a stablecoin and in turns lends those funds to the open market for a 6 % return on your money. It heavily promotes its safety, level of liquid reserves, over collaterilization and diversification. I currently have $ XXXX in this companies accounts for which they have frozen 95 % of my money and 100 % of ALL USER 's money claiming that 95 % of there assets are held in XXXX XXXX which was affected by the XXXX fall out. DOnut also maintains that they have 100+ % liquid reserves ( XXXX XXXX XXXXXXXX ). The alos promote 125 % over collateralization. They make claims like " Our partners lend your dollars at high interest rates through a global, decentralized pool of borrowers. We use highly collateralized platforms such as XXXX and XXXX to ensure your money is secure. '' They have a lenghty set of terms bu in # XXXX of the XXXX XXXX XXXX it says " If you don't agree to these changes or no longer wish to abide by these Terms of Use, you can let us know and we'll close your account. '' - but they won't give anyone their money back.

Additionally, and still now, on the front page of their site they still promote, " Add or withdraw money anytime. No lock-ins or annual commitments. '' It's now been 2 months and everyone 's money is locked up, not earning anything and they continue to claim they have over 100 % liquid reserves. They only agreed to release 5 % of customer 's deposits about a month ago. So 95 % is still locked up.
Product: Debt collection

This company keeps reporting on my credit report even after sending a Cease and Desisit order. 
This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to login to the Transunion Despute center and it says that I can not be validated. I have called the number to try to get help logging into the account but the rep has not been able to assist me. The following address needs to be deleted from my transunion credit report : XXXX XXXX XXXX XXXX, CA XXXX. I do not live there.
Product: Checking or savings account

On XX/XX/2023 the amount of XXXX was taken away from me as a credit while they looked into the fraud that took place in my checking account. They fraud that took place was during the last week of XXXX I received a sms msg from navy federal asking if I made this charges to my account which varies from XXXX XXXX XXXX money sent to inmates in jail i told them no I spoke with them and they seen the charges where taking place in different states navy federal cancelled my card sent me another debit card and issued a provisional credit it came back that all the charges were verified and my problem with that is that navy federal sent me a msg saying it was suspicious activity going on and I verified that none of the charges that took places during that time wasnt me and for navy federal to take my money back is not right and I dont feel that my money is safe in there checking account when it was clearly fraud going on. What I would like to happen is for navy federal to issue me my fdic insured money back to me in the amount of {$300.00}.
Product: Debt collection

Dear Portfolio Recov Assoc, I am writing to request validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and would like to ensure that your records are accurate. Please provide all information necessary for me to verify this claim. 

Specifically, I am requesting : The name and address of the original creditor. 
The date the debt was incurred and the amount of the original debt. 
A detailed accounting of how the debt amount was calculated, including interest, fees, and any other charges. 
Copies of any agreements or contracts that I allegedly signed. 
Evidence that you have the authority to collect this debt. 
Until the requested information is provided, I ask that all collection activities regarding this account cease, as required by the FDCPA. Additionally, please do not contact me at my workplace or use automated systems to contact me. 

If you are unable to validate the debt, please remove it from my credit report and notify me of this action. 

Thank you for your prompt attention to this matter. I look forward to your reply within XXXX  days of receiving this letter. 

Sincerely,
Product: Debt collection

I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information, so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. These disputes are due to the violations that Experian is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 


XXXX XXXX XXXX XXXX  ( Original Creditor ) inaccurate direct violation 15 USC 1666b , Remove late payments. XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) inaccurate direct violation 15 USC 1666b , Remove late payments. XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) inaccurate direct violation 15 USC 1666b , Remove late payments. 


By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I have been calling the XXXX  card services customer service for over a year and a half to get this rectified but to my avail I have not been able to get my XXXX for a purchased I made at XXXX XXXX to get a XXXX gift for my XXXX  The companies are blaming each other meanwhile here it is a XXXX later and I still have yet to receive my XXXX.
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with TRANSUNION. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A payable upon Death Certificate of Deposit was taken out way back in XXXX by my grandmother at XXXXXXXX XXXX in XXXX, CA with me as sole beneficiary. The bank and its assets were acquired in XXXX. My grandparents relocated that same year from XXXX XXXX XXXX The certificate was looked for but never located during my grandmothers last months of life, she died in XXXX. The actual certificate was eventually found in a move about 12 years ago and attempts to follow its trail have been futile. Wells Fargo just responded with generic form letters insinuating it must have been cashed which I am not surprised about given their well publicized ethical challenges. Over the years, as life has allowed, I have contacted FDIC, comptroller for State of CA, and the Oregon State treasury assuming my escheated money is sitting somewhere. All of these entities point me back to Wells Fargo to prove what happened to it post acquisition. This is not a life changing amount of money but it does belong to me with no statutes of limitations on collection. I need answers, not dismissive form letters or responses. Until I have legitimate clarification otherwise, I will consider myself a victim of consumer fraud. 
Thank you in advance for your help, I have all the documentation to prove who I am. 
XXXX XXXX XXXX ( formerly XXXX XXXX, beneficiary in waiting )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I notified Experian, XXXX, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXXuntil now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX  XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX | XX/XX/XXXX : 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 : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.
Product: Credit reporting or other personal consumer reports

inquiries that I do not recognize or that are fraudulent XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Bank account or service

The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Bank of America withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Bank of America were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Bank of America of this and was told " We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Bank of America to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX.