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

Equifax, XXXX, XXXX, I requested on or around XX/XX/XXXXXXXX  for validation of the debts I mentioned and the XXXX XXXX filed in XXXX XXXX Nevada in XXXX I have not received validation of these debts. I also disputed credit inquiry and they are still on my credit file. I'm asking for the validation before I seek legal counsel. It's been 30 days and what progress has been made on my request for proof of validation?
Product: Checking or savings account

In either XXXX or XXXX of XXXX  a checking account was opened in my name at Bank of America. I did not open this account myself and have no knowledge of who did so. I have spoken with Bank of America and they told me that the account is now closed. I just want to be sure my information is protected as well as my finances.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a distressing situation with my Capital One 360 Checking account, ending in XXXX. On XX/XX/XXXX, I received an email alert from Capital One regarding unusual activity on my account, prompting me to contact them for verification. Despite following their instructions diligently, including providing my passport and company documents as proof of identity, I was informed that my account could not be verified without a Social Security Number ( SSN ) or Individual Taxpayer Identification Number ( ITIN ). As a non-U.S. citizen with only an Employer Identification Number ( EIN ), I found myself at an impasse. 

Despite repeated attempts to resolve the issue, Capital One failed to provide a satisfactory solution within the stipulated timeframe of 90 business days, as indicated in their response email. Moreover, without any notice or authorization, Capital One withdrew all funds from my account on XX/XX/2024, totaling - {$3800.00}. 

As a Pakistani citizen and passport holder, I am reaching out to you for assistance in seeking justice in this matter. Despite my numerous attempts to engage with Capital One, their customer representatives have been unhelpful and unresponsive. I possess all necessary documentation, including bank statements, emails from Capital One, and supporting evidence, to substantiate my case. 

I kindly request your intervention to help resolve this issue and ensure that I receive fair treatment and restitution for the unauthorized withdrawal of funds and the lack of assistance from Capital One. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. 

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

I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my report to this day over 45 days later I have not recieved a response yet. I did my research I know that the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately delete or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXI Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, XXXX  and Transunion refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX- this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this  account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
Product: Checking or savings account

53rd bank has been allowing XXXX and XXXX XXXX to access my account and steal my money from my checking account and not reimbursing my money. Ive had multiple fraudulent transactions occur on my account amounting to {$520.00} more or less and I disputed the transaction and they refused to handle it and return my money. I never authorized these transactions. They are violating the XXXX because when a depositor makes a deposit the amount of money in the account is a record of the money the bank owes to the public because banks borrow from the public, there is a Liability ( receivables ) and Asset ( payables ) creating on there book keeping entries and also a demand deposit account. Its referred to as off sheet balance book keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Trans Union and XXXX stated my account was properly investigated but how is that possible when the open dates are inaccurate, the dates last active are inaccurate, and date last reported is not accurate. This is grounds for removal. TransUnion, XXXX, XXXX, and XXXX have all violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 3. Violation of FCRA 623 ( a ) ( 5 ) did NOT validate information with original creditor. 

These are the tracking numbers USPS TransUnion- XXXX Results # XXXX XXXX XXXX XXXX XXXX refused delivery XXXX XXXX Results # XXXX
Product: Mortgage

Loan Depot is taking my home through a foreclosure sale date scheduled for XX/XX/XXXX, even though they have never taken a look at helping me with my mortgage. I have an FHA mortgage loan and I am so frustrated that they have not helped me, even though I believe there are government programs available that would provide my loan with mortgage assistance. I have lived in my home since XXXX and want to spend the rest of my life there, but I am going to lose it because I can not get a review started on my mortgage loan. Just over two years ago I had a tenant who stopped paying rent and I fell behind on my mortgage payments. I am retired and am dependent on my rental income to pay my mortgage and other bills. After I fell behind on my mortgage I had hoped that they would work with me to get my loan back on track, but they are just standing still without providing any sort of mortgage relief. They have never reached out to me work out some sort of mortgage assistance. I never had a single point of contact nor I had I received any sort of communication from them that would show their interest in helping me with my mortgage. It took me quite awhile, but recently I finally got back on my feet financially and desperately work with them. I am very afraid that Loan Depot isnt willing to help me and is taking me through the foreclosure process instead. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me with my mortgage.
Product: Vehicle loan or lease

Loan was paid off after a small balance of {$1.00} that was left on loan XXXX after paying final payment on XX/XX/22. I then had called about my title on XXXX XXXX XXXX in collections said I had a balance of fees along with {$1.00} left on the principal. I paid {$1.00} on my account XX/XX/22 XXXX XXXX said that I still have a balance on some fees and that she would send out a payment history for what I owed. On XX/XX/22 I received a letter dated XX/XX/22 her stating that I owed the money for fees and wont get my title until I paid the {$170.00} and if not paid by XX/XX/22 it would be charged off. I had left her a message a day before receive letter about the loan being paid & inquiring about my title. She never called me back
Product: Checking or savings account

On XXXX XXXXXX/XX/2022 I entered into Bank of America in XXXX, NC. I want to file a complaint for discrimination. I was treated unfairly by a banking representative. 
I was trying to explain that I was on vacation from XXXX. I didn't know why my check was being held, when the check was drawn on Bank of America. 

My check was for {$2000.00} I only had {$20.00} in my account. I advise them I needed funds to get back to XXXX with my XXXX, I was traveling with. I told them I understand but I only wanted {$500.00} or maybe {$600.00} to get back home. 
After explaining myself several times. I was advised by representative via that I could take out a loan, open up a credit card or borrow money from a friend or a family member, that there was nothing they could do. 

I was talked down too. I was left unattended several times by a personal banker representative. I was asked personal information concerning my length of employment all because I wanted funds from my paycheck. I felt very XXXX by the treatment I received from Bank of America. 

I suffer from chronic XXXX and XXXX, immediately after that I took XXXX  inside my vehicle.
Product: Checking or savings account

"XXXX XXXX"  BRANCH MANAGER IS REFUSING ME ACCESS TO MY CLOSED ACCOUNT WITHIN 7 YEARS. IT'S BEEN 3 MONTHS REQUESTING FROM HIS BRANCH.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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
Product: Debt collection

LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute of Account Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account and request verification of its authenticity. I recently reviewed my credit report and discovered that this account was reported without my authorization or proper notification. 

I believe this account to be inaccurate and unverifiable. I have not provided authorization to your company or any associated third parties to obtain or use my personal information for collection purposes. Furthermore, I did not receive proper validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I have also filed a dispute with XXXX, and I believe the investigation was not conducted thoroughly. Therefore, I am requesting the following : 1. Proof of the original creditor and account details, including all documentation verifying the validity of the debt.

2. Proof of your authorization to collect this debt, including a copy of the agreement granting your company the right to pursue collection.

3. A detailed payment history and breakdown of the balance you claim I owe.

4. Any communication or agreements you believe justify this collection. 

Under the FDCPA, you are required to cease all collection activity until the debt is fully validated and proven to be accurate. If this debt can not be verified, I request that it be removed from my credit report and all collection activities cease immediately.
Product: Mortgage

Borrower : my ex husband Full Power of Attorney : me. 

Court order granting FULL Power Of attorney to me, was transmitted to SPS by Previous Lender with Loan Transfer on XX/XX/2018. ) - as confirmed by previous lender on XX/XX/18 ) SPS CLAIMED DURING MULTIPLE PHONE CALLS, including today, XX/XX/18, that they did not have the Power Of Attorney on File. 
( Per statement of SPS Rep & Supervisor, of the XXXX FL location ) The Attachments evidence that SPS is : - 1. Blocking me from the account - Violating a Court Order by SPS 2. Denying the POA being in the file - False Claim by SPS 3. Failed to pay Town Taxes - Violation of Loan Terms by SPS 4. Caused Delinquency Interest to Accrue - Violation of Loan Terms by SPS 5. Added the Town Property tax to the account - Violation of Loan Terms by SPS AND Fraudulent action intentional to increasing monthly payment. 
Property Taxes have been escrowed since XX/XX/2018 with XXXX XXXX & the loan amount AND loan terms remained unchanged, under the terms of the transfer - Violation of Loan Terms by SPS 6. The SPS Mortgage monthly statement clearly shows that the monthly amount includes an Escrow for Town Taxes & Home Insurance.

Therefore the actions of SPS are ***intentional to fraudulently increasing the payor 's monthly amount in order to render the payment unaffordable and thereby fraudulently foreclose on this High Value Property *** - FRAUD BY SPS 7. I have been making regular & on time monthly payments on this loan.

The loan amount includes the escrowed Town Taxes that SPS did not pay & caused a delinquency - Violation of Loan Terms by SPS SPS bought this loan from Previous Lender, due to the high equity in the subject property & the Delinquent Tax Notification is intentional to SPS fraudulently foreclosing on the property and intentionally making the payor homeless, as SPS is aware from the Court Order that the Court granted the Payor FULL authorization on this account.

FRAUD + VIOLATION OF COURT ORDER +VIOLATION OF CO-OWNER CIVIL RIGHTS+ VIOLATION OF LOAN TERMS 8. The attachments & the OVER 241 XXXX Complaints against SPS, support my allegation that SPS is a SCAM company, their actions constitute Harassment and Intent to foreclose on my home.
Product: Debt collection

L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information that is reporting on my credit report as a charged off account. I requested a thorough investigation be done. I requested the following to be provided and it was not provided in the investigation. 

Documentation proving the original creditor 's agreement with me and the existence of the debt. 

Any agreements or contracts bearing my signature related to the debt. 

Validation of the validity of the debt under the laws of my state. 

Under 15 U.S.C. 1681a - U.S. Code The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The companies involved have not done their due diligence to provide a fair investigation and i request this charged off account be deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the company on XXXX stating that they have a incorrect and inaccurate balance reporting on my credit report company say I owe {$53000.00} but never showed proof i owe this amount
Product: Debt collection

On XX/XX/2021 I ordered a XXXX XXXX Digital Piano on the Music and Arts website ( XXXX ) for {$680.00}. The digital piano would be delivered to XXXXXXXX XXXX XXXXXXXX store listed below, where I would pick it up. I was notified that the piano arrived at the XXXX store on the XXXX of XXXX. I picked up the digital piano on XX/XX/XXXX from the XXXX store. After unpacking the piano, I discovered that three keys in the center of the piano were jammed and could not be moved. I called XXXX XXXX XXXX in XXXX and explained the issue with the piano. They instructed me to bring the piano back to the store so they could order a new one. I dropped the piano off at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. Since I had to return the defective piano, the store employee informed me that he would consult with the manger about delivering the piano to my home. On XX/XX/XXXX, I received an email about the piano arriving at the store. I waited for a call or email about the delivery date. Nothing was received so I reached out to the store on the XXXX of XXXX. An employee of XXXX & XXXX informed me that my replacement piano had been sold to another customer because my name was not affixed to the order. He was very polite and apologetic and informed me that the manger would call me on Monday the XXXX to make things right. That is the last communication I received from the XXXX store. On XX/XX/XXXX I contacted XXXX, and asked them to reverse the charge on my card. I received no bills or communication about a bill from the XXXX XXXX XXXX store in XXXX or their corporate office, until I received a bill and collection notice on the XXXX of XXXX. I feel that XXXX & XXXX is using the collection system to punish me for reversing the charges on my card when they failed to provide a replacement piano, sold my piano to another customer, and repeatedly failed to communicate with me about replacing the piano I returned. On XX/XX/XXXX, I called the number on the XXXX & XXXX bill, and explained the situation to XXXX no title given. She seemed to agree that I took appropriate steps and informed me that her manager would call me back the next day. Unfortunately, I didnt receive a call or email from her today. Can you assist me with this matter or provide guidance what steps I should take? 
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX The corporate office appears to be : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX The debt collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

I previously made a complaint on here in regards to my former credit Union completely breaking the law and improperly handling my wife and I separate accounts. They put my account negative a decent amount for money that was just attempted to be taken from my account by companies. The bank declined these attempts but still put my account negative the full amount of the attempt each time and my account wasnt even allowed overdraft of any amount. Chex system is preventing me from opening up any other account at any financial institution Ive tried. I cant get direct deposit, pay most my bills, or anything else for that matter. The situation at the before mentioned bank would be the only possible reason for any negative info. I also just learned from the IRS this week that I had my third and final stimulus deposited into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Ok the same bank and I was never notified and my account had been closed long before then but once again they still let it go through and all {$1400.00} was kept by them which if I actually did owe them money that amount would of been more then enough to clear it. My complaint is on both Chex System & the bank stated above its ridiculous and I have my wife and her bank statements clearly showing the bank taking a large amount out of her completely separate account that has nothing to do with myself to cover the money they put my account negative for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XX/XX/2019 I noticed a hard Credit inquiry on my report. I havent applied for any type of credit in years and know this inquiry to be false. I submitted a dispute with XXXX and never heard from them. The company that did the hard inquiry posted no information on the report so I can not contact them. ( XXXX XXXX XXXX  XXXX ) I want this removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX 
DEPT OF EDXXXX XXXX {$0.00}
Product: Credit reporting 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 I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( COMMUNITY CHOICE CREDIT UNION ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly