23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX. Florida. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XX/XX/XXXX, 1. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against XX/XX/XXXXXXXX XXXX XXXX ; I am dissatisfiedwith the handling of my complaint. 

2. XXXX XXXX XXXX, XXXX did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

3. XXXX XXXX XXXX, XXXX explicitly states in their response : " XXXX is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

4. I also sent a 2nd complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB v. XXXX XXXX XXXX, XXXX, case no. XXXX. 

5. XXXX has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

6. In order to verify a debt as XXXX XXXX XXXX, XXXX has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

7. Refer to XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.
Product: Vehicle loan or lease

My pay ment is {$400.00} A month and only {$90.00} actually goes toward the principal. 
It has been this way for over 4 years and the balance will not go down. Ive tried to contact the bank to ask them to assist me but the bank won't communicate with me.
Product: Checking or savings account

I recently opened a checking account with US Bank. They chose to put a check on hold for over XXXX business days. 
I requested them to void that transaction so I could just go to the bank and pull the funds myself in cash from the place the check originated. 
They said this was impossible, I then moved all the funds from that account and attempted to close the account, but they said I couldn't due to pending transactions. 
Attached is a screenshots showing no pending transactions. 
They are going against my rights as a consumer by refusing to close the account. 
I also requested a supervisor XXXX different times, each time all supervisors were in meetings, and 'would call me back ', which also never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase the monthly for Experian, XXXX and XXXX. I have built my credit up very good in the past year and a half and it reflects well on XXXX website and also XXXX. It even shows experian as higher than actual on the XXXX and XXXX but not solely Experian. Experian has my credit score as extremely low and also the other two bureaus. Its a large contradiction and Experian doesnt reflect correctly as the other two. This costs me big with loans for my business, trying to by a home and the mortgage people purposely use Experian since its always the lowest score so they can have an excuse to give higher rates. Its a sham and it needs to stop. Why isnt the Government helping all of us citizens out to hold Experian accountable for their bad practices and algorithms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian Information Solutions , Inc., there has been a Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you due to the fact, you are a Defendant ( s ) in this case. Upon receipt of notice will serve as I, XXXX XXXX ( Plaintiff ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( XXXX ) ). In addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit card or prepaid card

On XX/XX/2021 I sent a letter to Bloomingdales regarding inaccurate and unknown things on my report. On XX/XX/2021, I sent out another letter. To this day over 60 plus days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and many have got into the hands of the wrong person.
Product: Mortgage

XXXX- My Bankruptcy Attorney was told by a representative from Mr. Cooper that my home did not have a foreclosure sale date. I contacted Mr. Cooper and requested a loan modification application to be sent to me. I was informed my home did not have a foreclosure sale date from a representative based out of Arizona. XXXX I contacted Mr. Cooper again regarding the application being sent to me. Also, I was informed a second time my home did not have a foreclosure sale date. XXXX I received my loan modification application and a letter dated XX/XX/19 from Mr. Cooper to return the application by XX/XX/19. On XX/XX/19 I spoke to a Loss Mitigation, representative based out of Texas, who informed me my home was foreclosed and sold at auction on XX/XX/19 and is bank owned by Mr. Cooper. I was told eviction proceedings were not implemented at that time. XXXX My home is placed for a second auction and does not sell on XX/XX/19. On XX/XX/19, a notice was placed on my front door from Mr. Cooper instructing me to call. XXXX I spoke to a representative based out of Arizona , XXXX , who informed me the reason for the posted notice is due to Mr. Cooper offering me a second chance through a FHA program to help me keep my home. XXXX stated the application will be mailed out the same day ( XX/XX/19 ) and I should receive it in 3-5 business days. On XX/XX/19, a letter and 3-Day Notice to Quit, with a date of XX/XX/19, is posted on my front door from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/19, I spoke to a Mr. Cooper representative, XXXX, notifying her of what occurred. XXXX informed me the program I was offered was longer available, the house is already foreclosed, and I need to contact the attorney regarding the 3-Day Notice to Quit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I received three hard inquiries in regards to accounts being open with : Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX In communication with Chrysler Capital, the credit inquiry is in regards to a vehicle loan not requested by myself from XXXX XXXX XXXX XXXX Dealership in Texas. This is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX In communication with XXXX  XXXX, I was advised to send an email in regards to the credit hit but not given any information on what the credit hit was for. This too is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX In communication with XXXX XXXX, I was informed a XXXX Credit Card was opened without my consent and not by me. I was informed the account was now closed and reported as fraud and disputed for credit resolution. This is a case of stolen identity and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXX XXXX XXXX  XXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX
Product: Debt collection

I have no knowledge of this debt. Ive reach out to the company multiple times for information stating that I owed this debt that have no responded Ive also reached out to the XXXX to help with this matter and they have no reached out to the XXXX so the case was closed. I want this debt off of my credit report immediately or Ill be seeking a lawyer to recoup amicable damages.
Product: Credit card

I did not receive promotional {$2500.00} XXXX after allowing the required XXXX - XXXX weeks after receiving the credit card. 
I have called the company on XXXX, XXXX, and XXXX, and each time was assured I would receive this promotional benefit, but I still have not, and it is well past the XXXX - XXXX weeks they promised ( I received the card on XXXX ). 
This promotional benefit was the only reason it was worth paying the annual fee for this card ( and the whole reason I applied for it ). If I don't receive the " {$2500.00} XXXX XXXX '' promotion by XXXX, it is useless as XXXX are calculated on an annual basis and this promotion significantly impacts my XXXX total/status.
Product: Checking or savings account

In early XXXX, USAA restricted my online account access preventing me from viewing all my accounts including my checking account. Since then I have not received an account statement, nor have I been sent any instructions as to how I go about moving the money in that account to another bank. I was notified the account was closed on the phone after it had already been closed, yet have not received any notices in writing as to the cause or reason for this. I have repeatedly asked for an explanation as well as instruction on accessing the money I have there with no response. It is preventing me from paying bills, accessing funds, viewing the account for accuracy or viewing my past statements which were all delivered electronically. Thus I am unable to even view my past statements. Basically USAA has decided to take my funds in my checking account including my social security XXXX check which was being directly deposited into the account. It 's been close to two months now, and they have been no help. I need my money returned and access to view all transactions for the account.
Product: Debt collection

Amsher Collection attempting to collect a debt I do not owe. Its was Identity theft and actions has been taken, police report, credit bureau update, froze accounts, reported to Identity theft. Credit bureaus have cleared reports but Amsher refuses even with all my proof. I contacted them on XX/XX/year> again to ask why it has not been deleted and they ( she refused to give me her name ) She stated that they will only delete it if I pay it and or if I give them my credit card number so they can charge me a {$1.00} to clear it. Very confusing to me. I do not know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter with the same information below and got no response. 

Im sending this letter to dispute the following fraudulent inquiries. Below is the name of the companies and the date of the inquiry. 

XXXX - XX/XX/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
Product: Checking or savings account

I called the bank to resolve my problem and because they didnt resolve anything I simply closed my bank account with them.
Product: Checking or savings account

Chase Bank I have 2 items that automatically charge my checking account monthly. One is always on or around the XXXX the 2nd one goes through every pay day. Usually if the 1st overdraws my account Chase doesnt charge a fee or will waive the fee. I have expressed numerous times to them to deny payment as the late charge imposed by the merchant is considerably less than the overdraft fee. Apparently Chase. .. a huge bank is unable to do so but seem ok charging me fees. The 2nd charge went through and my account was overdrawn. The company was supposed to charge a different card. I put the amount of the 2nd charge in my account and still charged overdraft fee they refuse to take off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card i never got never applied and i told capital one and they told me they would send me a form but never did, i have tried several attemts to get resoved with them but its hurting my credit and chances to get better cretit
Product: Mortgage

Hello, I have an existing Home Equity Loan with TD Bank, the same is under the forbearance plan in I which appreciate, as of I have decided to end this program, the bank offer different options to be able to accommodate the unpaid interest ; for that, there is an application and with that they request, the last 2 paystubs in which I had sent twice. After almost a month of the process, and many calls, no one seems to know what are they doing, all of the customer service had promised to call me back and never do. for whatever reason TD is asking if I have some sort of HOI ( Home Owners Insurance ), I had explained several times that I am not required to have a HO6 which covers the inside of the unit in the State of Florida ; however, in my monthly HOA dues it is included the master coverage for the condominium in which the bank must have because it is required to have as per requirement, as of XX/XX/2021 I have emailed the master insurance and I have requested a phone call and follow up. As you can see before, this is not my first complain about this institutions practices, lack of customer service, etc.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account JXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 written instructions
Product: Credit reporting or other personal consumer reports

There several unauthorized hard inquiries on my credit report XXXX on XXXX XXXX XXXX on equifax XXXX on XXXX I would like them all removed XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Bank XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Debt collection

On XX/XX/2021, I spoke with a representative by the name of XXXX at this location and she stated that I had a judgement of more than {$60000.00} for a default judgement that is not in the court system and has never been in the court system. This representative was very disrespectful and let me know that they could do what they wanted because I never showed up in court. I had been improperly served and will be disputing this in the general court system. She also stated that I not taking my responsibilities serious and is the cause of the balance happening. She also included that they can find me and garnish my work checks.
Product: Checking or savings account

Money was XXXX or XXXX from XXXX XX/XX/XXXXXXXX where I received my Direct Deposit Payroll, to XXXX XXXX XXXX XXXX XX/XX/XXXX 
The intent was to buy some shares of XXXX, since they are a Stock/Trading company. 
My deposit is not there. They can't find it. 
Initially I was given an availability date of XX/XX/XXXX then 2 days later it was changed to XX/XX/XXXX, which I clutched my pearls, and thought that was kinda a long time to hold one 's funds! : ( Why did the dates change twice, & now my funds are " stuck '' somewhere, waiting to be processed!? 
Chime says the didn't receive the REJECTED funds back yet that XXXX admitted to rejecting. I talked to a Gentleman named XXXX at XXXX who explained this unfortunate latest update to me!
Product: Credit reporting or other personal consumer reports

According to the fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States 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 written instructions.
Product: Checking or savings account

On XX/XX/2019 unverified charges were made on my credit card totaling over {$1000.00}. I disputed these transactions, but BB & T decided that these charges were legitimate and will not reimburse me.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ], in the County of [ Your County ], and I am of legal age to make this affidavit. This affidavit is made based on my personal knowledge and belief regarding the violations of 18 U.S.C. 1028A ( Aggravated Identity Theft ) that have occurred in relation to my personal information.

Violations of Law : I hereby declare that I have been a victim of aggravated identity theft as defined under 18 U.S.C. 1028A. Specifically, [ describe the nature of the identity theft, how it has occurred, and any relevant details that demonstrate the misuse of your identity ]. 
Request for Action : I am formally requesting the removal of any fraudulent accounts associated with my name and Social Security number that have been opened without my consent. This includes, but is not limited to, [ list any specific accounts or creditors ].

IRS Fraud : Furthermore, I am demanding the issuance of a 1099-C form related to any fraudulent income reported to the IRS in connection with this identity theft. I will not tolerate any further fraudulent claims against my name.

Racketeering Charges : I assert that the actions taken against me constitute a pattern of racketeering activity as defined by federal law. I will take all necessary steps to enforce appropriate racketeering charges against those responsible for this identity theft and related fraud. 
Final Notice : This document serves as your final notice to rectify this situation. I demand immediate action to remove the fraudulent account and all associated claims. Failure to comply will result in my pursuing all legal remedies available to me, including, but not limited to, civil litigation and criminal charges. 
Affirmation : I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$58000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.