23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a XXXX XXXX of XXXX  capacity. I have two accounts with Bank of America. One has been moribund for over 5 years but is STILL listed as an en account on my paperless billing options. The second account is active. 

I became confused with the automatic payment system because of that and assumed I was sending auto pays to the active account. Unfortunately my confusion led to two late payment charges for a around XXXX dollars. I also suffered a dint to my credit report. 

I asked BoA to REMOVE the XXXX  account and ONLY list the current account. They list the moribund account in the primary position on the account pages above the active one. 

They did nothing. 

I wish them to DELETE the XXXX account from view and credit my account the late charges. 

I explained this in the attached letter and to date received NO response. 

They are taking advantage of my diminished capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that I have the right to privacy 15 u.s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my instructions
Product: Checking or savings account

I was subject to check fraud on XX/XX/XXXX for {$9100.00}, XX/XX/XXXX for {$4500.00}, and XX/XX/XXXX for {$5000.00}. I submitted a fraud claim to Citizen 's Bank on XX/XX/XXXX ( Case XXXX ). Since then, Citizen 's Bank has been refusing to investigate the fraudulent check cashed on XX/XX/XXXX for {$9100.00}. Consistent attempts over the past year and half to contact their Fraud Department to understand they are refusing to investigate the fraud. I was told that their investigation required a response from the bank where the fraudulent check was cashed at ( XXXX XXXXXXXX XXXX ). However, after Citizen 's did not receive a response from XXXX, Citizen 's closed the investigation and told me to reach out to XXXX. The other 2 fraudulent checks for {$4500.00} and {$5000.00} were investigated and amounts were returned to my account, despite all 3 checks being submitted for fraud within the same case reported on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below.

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account.

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Violation : FRCA XXXX Accounts : XXXX XXXX XXXX XXXX Violation : FRCA XXXX XXXX XXXX XXXX XXXX Violation : FRCA XXXX XXXX XXXX XXXX XXXX Violation : FRCA USC1681 Collections : XXXX XXXX XXXX XXXX Violation : FRCA USC1692 XXXX XXXX XXXXXXXX Violation XXXX XXXX XXXX XXXX XXXX Adjust XXXX Violation : FRCA USC1692 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT.

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Discovered an unauthorized transaction and line of credit created when applying for a loan. Demanded the company AFFIRM report it as fraud and take care of it. Since XXXX they have refused. I applied for a loan and saw it again on my credit report and was denied a business loan because of it. I have disputed on all other credit agencies and they have complied only experian and affirm have yet to follow the law and undue the damages of fraud and unauthorized opening.
Product: Checking or savings account

Filing a complaint against closing my secured account ( XXXX ) and not reopening the account.
Product: Debt collection

I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX   XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!
Product: Mortgage

I am the listing agent for a property this Lender 1st Financial Inc in  XXXX XXXX, FL with Branch Manager XXXX XXXX is working with. Property XXXX XXXX XXXX XXXX. The lender representative has just threatened me and insulted me over the phone. The threats were of violence towards myself and my family. I want to document this here and with any other department available. Please get back to me.
Product: Debt collection

From XXXX XXXX my social security number is XXXX address XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX ny XXXX my complaint is that XXXX XXXX XXXX XXXX collections phone number is ( XXXX ) XXXX and collection attorney law office of Linda strumpf XXXX address XXXX XXXX XXXX XXXX ny XXXX phone number XXXX XXXX unlawfully filed a civil judgment in civil XXXX XXXX XXXX XXXX XXXX ny XXXX and have a city of ny XXXX XXXX XXXX badge XXXX address XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX. The civil XXXX index number is XXXX threatening me to garnished my pay in XXXX  day 's for a very old debt that was paid since XXXX. The law office of Linda strumpf XXXX and us equities Corp collections filed this back in XXXX XXXX I got it vacated for failing to notify me also I was on payment plan for XXXX dollars I would pay law office of Linda strumpf XXXX with credit card I made over several years of payment s but account should of been paid since XXXX. Since that I never got any notices at all since XXXX then all of sudden I get a letter from city of ny XXXX XXXX XXXX badge XXXX address XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX garnished my pay I talk to law office of Linda strumpf XXXX XXXX XXXX run phone number XXXX XXXX to stop garnished of my pay in XXXX he told me that it's to late so that I can pay ny XXXX XXXX XXXX badge XXXX directly XXXX I said I can only pay XXXX and then the attorney said how about XXXX and that ill let the XXXX XXXX XXXX now without any garnish
Product: Checking or savings account

Ive been with navy federal bank since XXXX  and was charged overdraft fees for years. Leaving me negative most of the time
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked Inquiries AN XXXX XXXX XXXX XXXX XXXX XXXXXXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This account is identity theft and does not belong to me.
Product: Credit reporting or other personal consumer reports

I pen this with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of an FTC report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. The Federal Trade Commission ( FTC ) has recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. I want this account removed from my file : XXXX XXXX XXXX
Product: Vehicle loan or lease

Online website XXXX does not provide any statements or documents. The link for statements and documents does not show any statements. I have car loan and been making payments. I want documentation via emailed, mailed/ or any service but they do not provide. I call XX/XX/XXXX and XX/XX/XXXX and recently called XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. The phone provided is just a robot touch by number service. I tried clicking on the link on their website for customer service and redirects me every time to log in. I have login and tried still does not work. I have not received any documentation since purchasing XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

From the start Debt Collectors International has been a nightmare to work with. The day they began collection, they called my uncle and harassed him about this debt he has NOTHING to do with including providing information to him about the debt. This is a personal business debt for my small business that he is not associated with in any way, and how they even got his contact information is beyond me. 

Now that I have entered a payment plan with them, they consistently email me prior to my payment being due, threatening to sue me and damage my credit. This is harassment, and predatory, and the pattern clearly shows that this is their intent. Below I have inserted the latest message I received at XXXX XXXX  local time on the DAY MY PAYMENT WAS DUE the first Friday of XXXX. The previous month 's payment was also made without issue, yet I still received a similar threatening email. The typos suggest that not only is the company using predatory tactics but they can't take the 20 seconds to use a spell/grammar check before moving on to their next victim. 

" You have chosen to ignore our attempts to resolve the outstanding debt XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX owes to our client, despite our efforts to do so in an amicable manner. There is presently due and owing to our client a balance of {$2000.00}. Unless we receive your payment in this amount within 4 days from the date of this letter, adverse collection activity will be ordered on this account. This may include a derogatory filing on your business credit record, notification of credit reporting and rating agencies, and commencement of litigation in court that can increase the amount you owe by additional litigation expenses. 

To protect your company credit rating and prevent the additional expense of litigation, immediately make your payment at the link below : XXXX XXXX XXXX "
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX there were XXXX hard inquiries made on my credit. They were from XXXX XXXX, XXXX XXXX, XXXX from XXXX  XXXX XXXX and XXXX from Capital One. None of these were initiated by me. I am reporting fraud on my account and have put a fraud alert on my credit.
Product: Credit card or prepaid card

1. Exhibit 1, I rec 'd an email from Paypal with a questionable transaction, I had not made since I have not used Paypal for several years. 
2. I called listed below the email of this, assuming this is a legitimate email from Paypal. 
3. I talked with XXXX allegely he is from Paypal, that my account had been hacked rom several countries like XXXX, XXXX, XXXX, and locally from ststes like Clorado, Virginia, Texas, and Georgia. See Exhibit 12. 
4. Our phone coversation has been recorded on notepad and Shown on Exhibits 9-15. 
5. Anyway XXXX SAYS, I need purchase XXXX  gifts cards worth {$500.00} each for him to removed my name from these Hackers, so I will not have unusual trnsactions appearing on my Paypal Account, which is backed by my XXXX XXXX. 
6. XXXX made the assurance, not to worry about the purchase of {$500.00} gift cards, because I will be credited back for how many cards I bought. 
7. Starting onXX/XX/XXXX to XX/XX/2020, Exhibits 4 - 8 are the purchases for XXXX Gift cards, which I XXXX  ( my afterthought ) followed on the assurance I will get every amount back. 
8. EXHIBIT 2, is the email again from Paypal that returning {$3000.00} can not be done as Paypal being a company has minimum of {$4000.00} to disburse, so So need to purchase 2 more cards to make credit back to my XXXX XXXX  {$4000.00} and I did follow and purchase 2 cards. ( I already had misgivings about this, it sounded too much of a scam. ) 9. EXHIBIT 3 is the email, {$4000.00}. can not be done but need to be {$5000.00} plus {$500.00} for my patience, but I need to purchase 2 more XXXX gift card for {$500.00} each. That was the last straw, I cease contact with Paypal or XXXX. mY XXXX LUCK, WAS BEING sCAMMED. 
10. You are my last resort, my gut feeling, Iwas XXXX enough to get scammed, but if I was dealing with the real PAYPAL company, let this incident be a teaching moment for others.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report und

er 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization. Account to Be Blocked and Deleted : 1. UNAU
THORIZED COLLECTION XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/20XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any car loan inquiries. This is due to fraud XXXX XXXXXXXX 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 have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXXXXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally financial issued me a blank title at the end of my Loan but it does not have my current address, it has my former address of ( 2 ) years ago. My current address is on the correspondence that they mailed to me informing me that my car is paid off and issuing me my blank title.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, Experian, and XXXX this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4.  XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX, Experian, and XXXX. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You
Product: Debt collection

Please see attached cease and desist letter that was sent to LVNV FUNDING LLC on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date LVNV FUNDING LLC continues to report this on my credit report in violation of applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX and XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX and XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY and ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _CHOICE RECOVERY and ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.