23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THE FCRA, Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account states on my credit report that it meets FCRA requirements when it does not. The collection agency have been requested in writing to validate this account in which they have not.
Product: Checking or savings account

On XX/XX/XXXX I requested that Comenity Capital Bank deposit my Rewards ( {$1300.00} ) into my XXXX Bank Account. I provided the XXXXXXXX XXXX  Account and Routing # 's and asked that the Comenity Rep read back to confirm. When I go on the Comenity website I can see the {$1300.00} was deducted from my Rewards total on XX/XX/XXXX but they have never been deposited into my Citizens bank Account. I have sent numerous requests via the Comenity Secure website and also have sent ( via USPS ) copies of my bank statements to the XXXX Ohio XXXX XXXX proving that the rewards aren't in my bank account. Comenity says they sent the rewards and XXXX states that they have not received them. I have requested a written copy of the XXXX ( XXXX XXXXXXXX XXXX ) transaction to make sure the Rewards were sent correctly. There is a dispute currently pending with with Comenity but its been almost 2 month since my original request. Any help that you can provide would be greatly appreciated ... XXXX XXXX
Product: Debt collection

The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
Product: Credit card

This case has a prior case number from XX/XX/XXXX XXXX, Bank of America. 
I filled out an application in XX/XX/XXXX, I did not even know I was approved for this account until XX/XX/XXXX. I was out of town for a month. I received the terms in the mail and someone from Bank of America Phone me to find out why the Card was not Activated. 
I explained that I did not want the card because of the {$79.00} annually and interest. I told the person I was returning the card un-activated and I did. But they show it delinquent in all of the credit bureaus with a 30 day late status because of the {$79.00} fee. This Account should have never been reported because the Card was declined. Here is XX/XX/XXXX and I find out after applying for credit in XX/XX/XXXX that this is still a problem. I want this removed. Bank of Americal told me this was resolved in XX/XX/XXXX, Her name was XXXX but I see now it is not true.
Product: Credit reporting or other personal consumer reports

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER. THERES NO REASON FOR THIS CREDIT COMPANY TO CONTINUE TO REPORT AND FURNISH FRAUD ACCOUNTS ON MY CREDIT REPORT, MOVING FORWARD ILL WILL BE SUEING THIS COMPANY FOR NOT HONORING AND RESPECTING MY CONSUMER RIGHTS, AND FOR AGGRAVATED IDENTITY THEFT FOR FURNISHING AND REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Product: Debt collection

I am a veteran. The VA approved payment of all my medical bills that are being charged to myself in this bill. The VA tells me to have the company send them the medical bill so they can pay it. However, no matter how many times I attempt the company with the address to send the bill, they ignore me and continue to send me the bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act SYNCB/AMAZON # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with this company for a year. No resolution. I did not authorize these inquiries. This company the only company that gives consumers a hard time. They need to be put out of business. They're hurting consumers credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violates my rights to financial privacy under 12 U.S.C.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX  # XXXX sold as charge off. 
XXXX XXXX XXXX # XXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXXXXXX XXXX XXXX XXXX # XXXX charge off forXXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
Public records Wisconsin child support docket # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are incorrectly reporting me as an Authorized User on Chase Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft. 

In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX. 

This statement contains coercive language and wording to make a person pay on their said debt. 

In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action. 

This statement from XXXX  can be uploaded to your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -XXXX, Transunion and XXXX has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, XXXX to furnish or report any information regarding my credit file.
Product: Credit card or prepaid card

On XX/XX/XXXX i authorized a payment with XXXX XXXX XXXX XXXX for {$85.00}. 
I keyed in my card number in their website to make the payment. 

During mid of XXXX my credit card was hacked. So i had to request Citibank for a new card. My credit card was replaced ( Replaced card has the same card number but different CVV and expiration date ). 

During XXXX and XXXX, XXXX XXXX XXXX XXXX could not charge me because my card did not go thru. 

On XX/XX/XXXX, XXXX XXXX made 2 transactions in my card for each for {$69.00} and on XX/XX/XXXX i was charged {$74.00} on my Citibank credit card. 

My question to Citibank as well as XXXX XXXX XXXX XXXX was, how can my credit card be charged when i did not give my new credit card details to XXXX XXXX XXXX XXXX. I checked with XXXX XXXX XXXX XXXX  and they still have the old credit card with old expiration date. The transaction should not go thru with old expiration date technically. Citibank is unable to provide an expiration on how the transaction went thru with incorrect credit card expiration date and XXXX XXXX does not want to reverse the charges.
Product: Credit reporting or other personal consumer reports

I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Checking or savings account

I opened an account online with Wells Fargo, and never received a debit card. All of a sudden one day I saw random charges on my card. I explained to Wells Fargo that is was not yet me. They refused to refund my money and tell me that the case was closed and they refused to refund my money. I still do not have a debit card for. this account until this very day and they stole my money, over {$2000.00}. I have never made one debit card or credit purchase with my account because I never had a debit card. Someone got my debit card somehow, yet wells Fargo refused, and I mean REFUSED to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I woke up to go to the dentist and hit the XXXX app to take me there ( I do XXXX XXXX ). XXXX would not authorize saying my account for payment was not authenticating. So I called Citibank phone number on my debit card. They told me the bank froze my account. I asked why. They said they could not tell me why. I asked when, they said they could not tell me when. I asked when I could get my money ( I had XXXX accounts ) out of the accounts. They said they would mail me a check after they closed my account. I asked why my accounts were being closed, they said they did not know why. I asked when it happened they could not tell me. I asked them who asked to close the accounts, they could not see. I asked if it was a mistake, they said no. I asked when the check would be mailed, they said after the accounts were closed. Asked if the accounts were closed now, they said no. I asked when they would be closed, they could not tell me. So I got a ride from a friend to go to the local branch. The branch XXXX worked on it for XXXX hours trying to figure out why XXXX was closing my accounts. All they would tell him was " compliance '' He said it made no sense because he could see on his screen when people go to even review my accounts and no one had even been in there to review my accounts, much less be able to determine if there was a compliance issue. He finally got permission to let me withdraw the money out of the accounts that was due to me. It was approximately {$600.00}. He said I would get a letter with a phone number and to bring it into the branch and we could call and get this straightened out. I never got the letter. Instead, I got a demand for a minimal charge stating my account was closed because it was overdrawn. What a joke! It was not overdrawn. It was frozen. I do not owe them any money for freezing my account and forcing it closed due to compliance. I got no notice about the closing of my accounts. I am sure they have reported this falsely to the credit reporting bureaus. I think they were embezzling money from my account from the inside and they were getting calls from a XXXX citizen extremists helping them along the way. Then they decided to cover their tracks because they thought I was getting to close to piecing it all together so they had to freeze me out of online access. Then they created the bogus demand on overdraft. I have the evidence to prove that letter is not true. Since the letter was drawn by an employee inside XXXX, someone inside XXXX is working with XXXX XXXX extremists. That is domestic terrorism. It surely caused me a lot of harm.
Product: Credit card

I submitted a online application for capital one card in XXXX XXXX and I was approved for a credit limit of XXXX dollars so once I receive my card and tired to activate it the company requested identification because there software didnt work so I uploaded my mich state id. So I was able to use my card. Then on XX/XX/XXXX I receive another alert that it was suspicious activity and my card got locked again. So capital one request verification once again I submitted my id again. So contacting the fraud department they asked for proof of residence a bill or bank statement. For the last couple weeks I submitted documents over and over. After speaking to a fraud supervisor last week she suggested to make it easier just send a picture of a blank check from my account with void and that would be a acceptable document. I call the next day spoke with another fraud manger and he said the blank check wasn't acceptable that the supervisor provided me with incorrect information. So that same day I submitted my id a bank statement from my XXXX XXXX account, my social security award statement and a copy of my new XXXX bank account documents. Call back the next day and was told documents wasn't acceptable. So the next day I sent in id and a utility bill. Called back on XX/XX/XXXX spoke to a fraud supervisor and she decided to say that they closed the case. I was in disbelief because they said I had XXXX days to submit documents in he email. The supervisor was nasty and rude and said no it's XXXX days. It hasn't even been XXXX days. So I went back and forth. So they issued another link this time they decided to add a extra needed document which is my social security card. I asked them back weeks ago did they need my social security card the lady replied no. So once again on XX/XX/2824 I submitted my SS card my id and my XXXX bank statement. Called today and was giving another excuse about my social security card wasn't aligned and my bank statement wasn't acceptable because of my account number not showing. I feel like this is a discrimination case and my credit score is dropping because I can't log into my account. I meet all the requirements and capital one is still refusing to unlock my card. Yes I had a XXXX and I used it to put money down as a security deposit. I did my part as the company asked and now capital one is refusing to up hold there end. I am very frustrated and I shouldn't be treated unfairly. Yes I am a XXXX woman who's credit score was XXXX when I applied and got accepted for the XXXX limit
Product: Debt collection

I have a credit card with Venmo. Venmo sent me two emails this morning saying that my primary phone number had been changed. I did not initiate that change so I called Venmo to understand what was happening. While I was on hold, my ex girlfriend contacted me to tell me that Venmo had contacted her to collect my debt. When I spoke to the representative at venmo, they told me that they believed she was my wife and could not explain to me how they had gotten her phone number. They also could not explain to me why I received emails saying that my number has been changed when I had not initiated any change. I believe these emails are fraudulent in nature and designed to get people to call In where they repeatedly pressure you into making a payment.
Product: Checking or savings account

On XX/XX/XXXX, a client paid me {$4300.00} for my services as a XXXX The client placed a fraud alert on the wire because I hadn't responded to him quickly enough to his liking to confirm payment was received. Bank of America then placed a hold on my funds. I contacted the client to ask him what was going on and to show him all of the work carried out for his case. He apologized profusely, agreed it was not fraud, and called his credit union to release the funds on XX/XX/XXXX. On XX/XX/XXXX, my client again called his credit union to make sure the funds were released. 

On my end, the funds were still on hold. On XX/XX/XXXX, my client went to his credit union in person, and XXXX XXXX from his credit union sent a message to Bank of America asking that the funds be remitted as the remitter and beneficiary have reached a resolution, and asserting that the remitter ( my client ) wishes the funds to be sent. 

I faxed written confirmation of this from the credit union to Bank of America and was told that I would see a resolution by today, XX/XX/XXXX. I just got off the phone with Bank of America and as usual was given vague non-answers. I am told that they are " waiting for some sort of legal documentation, I think '' from my client 's credit union, but they could not specify what document ( s ) exactly. I have offered to call the credit union on conference to resolve this issue. 

My money has been held hostage for over a month at this point and I have provided proof that the client wishes to remit the funds. Bank of America has said that the funds are being held by the credit union, but they are not. The funds have left my client 's account and are in limbo with Bank of America. 

I have numerous other documents to show this is not fraud : myriad e-mails between myself and the client, a signed contract, and proof of work carried out. I have no idea what to do at this point and am incredibly frustrated that nobody at Bank of America is taking ownership of this issue affecting a loyal customer. It is demoralizing to know that my money can be held by a bank and I am left without recourse except calling and speaking to anonymous customer service representatives who can do nothing but " add notes '' to my account.
Product: Mortgage

I've been contacting MrCooper to get my check reissued for over a year, and nothing was done. Check # XXXX for {$1700.00} was expired and needed to be reissued since XXXX, but I still don't have my check. I've contacted them again, and they said they did put a stop payment on check XXXX and sent out another check. Still, I've never received it. I contacted them again, and they said they'd put a stop payment on check # XXXX, and another check was on the way. Here we're in XXXX, and still, no check received. I've contacted again, and now they're saying, " our records show that there are no checks to be reissued. '' They're completely lost there.
Product: Mortgage

I applied for a loan with Better Mortgage. However, due to their process, communication and lack of understanding of the loan transaction, I withdrew my application on XX/XX/XXXX requesting my {$550.00} appraisal refund. After asking about it several times and being told on XX/XX/XXXX it was in the works, I still have not received a refund. 

I never received loan disclosures except for a few on-line ones. There are many I never signed as well. 

Please help by asking them to send my appraisal refund to me.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.