23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Product: Mortgage

Bank of America has not contacted me in regards to a loan modification. I have submitted all the paperwork that Bank of America required. I've contacted Bank of America multiple times only to be told to speak with Bank of America 's attorney. I've tried that also without a response
Product: Credit card

XX/XX/year> I applied for credit ( via Rooms to Go for a sofa ) with Syncrony Bank XXXX. I was denied and waited to be notified why there was a denial since my credit is excellent. When the notification didn't come, I contacted them on 3 different occasions after that regarding the issue, but I still did not receive the information. 

XX/XX/year> I called and talked to XXXX w/ Syncrony Bank , said he would mail me a letter and I would get it within 7 business days. ( THIS NEVER HAPPENED ) XX/XX/year> I called and talked to XXXX who said she resend the letter with the reason the credit was declined and to allow 7 to 10 business days. She a gain confirmed my mailing address. ( THIS NEVER HAPPENED ) XX/XX/year> I called and talked to XXXX XXXX ( Manager ) who said she will resend ( for the 3rd time ) the letter I should receive. 
She will also escalate the issue to higher ups and also will call me to discuss it once she gets and response. She also said Id receive an email in 24 to 48 hrs ( THIS NEVER HAPPENED ) XX/XX/year> I called and talked to XXXX, before he transferred me to a manager, they checked with TransUnsion before denying my credit- I talked to XXXX who verified my address again and said he would send me out the letter. I asked to talk to his manager and he said hed get another manager on the line that there were no 2nd layer managers there - I talked to XXXX ( another manager ) said shed look into this and email me. 
She actually did what she said she would do but did not help me and referred me to a department within their bank that had no phone lines. She told me to mail a letter to Synchrony, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I DID THIS, BUT DON'T EXPECT TO GET ANY HELP FROM THEM.
Product: Credit reporting or other personal consumer reports

These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these illegal inquiries off my report.
Product: Payday loan, title loan, or personal loan

We took out a HELOC on our former home in XXXX  with XXXX XXXX in XXXX. Property was sold in XXXX and loan was paid off and closed. We started receiving monthly statements from Bank of America ( who acquired XXXX in XXXX XXXX in XXXX about HELOC advances. We had recently taken out a HELOC on our new property in XXXX ( BOA was servicing agent for XXXX ), and I made the payments as requested ( I did not check account numbers -family medical issues, husband travelling back and forth to XXXX for work - I didn't pay attention ). We were pursuing a refinance/reverse mortgage and credit report showed 2 obligations ( HELOC ). I went back through records and found the paperwork ( from XXXX ) with payoff, acknowledgement that the account would be closed and no further advances made, copy of payoff letter and check. I contacted BOA in XX/XX/XXXX ; customer service insisted the loan was never closed and we owed the money. When I said we had sold the property, the representative said it would now be listed as an unsecured loan. I requested transaction history, as well as documentation showing that we authorized the loan to be reopened, and provided copies of the payoff documents. The transaction history showed advances during a couple of months in XXXX. I pulled deposit history for all of our accounts for that period and none of the deposits matched the dates or amounts in the transaction history. I contacted BOA on numerous occasions, both in writing and by telephone, and always got the same answer. In XX/XX/XXXX, I received a letter from XXXX XXXX, a BOA senior mortgage analyst, who said the Bank 's records did not go back that far and they had nothing to show that the loan was closed. In XXXX, I was contacted by someone in their Mortgage Fraud Department who identified herself as " XXXX '' and said she was contacting me to try and resolve our claim. I returned the call and her voicemail message was " she was out of the office and unable to take the call. This went on for weeks and, in XX/XX/XXXX, we were able to talk to each other and she indicated that she wanted to '' start '' our claim and requested documentation. She also indicated that her investigator would be contacting us. No one ever contacted us. I tried calling again and got the same voicemail message. The investigator 's phone number ( given to me by XXXX ) was a non-existent number at BOA. My last correspondence with XXXX was XX/XX/XXXX and my last telephone attempt was XX/XX/XXXX. This loan was closed in XXXX. We never authorized it to be reopened, and the payments ( in excess of {$13000.00} ) were made by me in error. The bank has had the benefit of my mistake in payments since XXXX, and now they are purposely " kicking the can down the road '' and not addressing the situation.
Product: Credit reporting or other personal consumer reports

I am not Liable for this debt of {$890.00} with TRANSWORLD SYSTEMS INC account number XXXX I do not have a contract with TRANSWORLD SYSTEMS INC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 
15 U.S.C 1681
Product: Credit card or prepaid card

TD BANK Credit Card XXXX ending in XXXX XX/XX/XXXX Last payment made, {$0.00} XXXX XX/XX/XXXX letter received about an updated address XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This was reported as FRAUD to TD Bank and that an update was not requested. 
Also requested to close the account. 

Credit Report was requested later in the year and a record from XX/XX/XXXX showed {$1400.00} is charged off in XX/XX/XXXX. 
Reported this to TD BANK as fraud and requested it be investigated and cleared asap. 

Emailed and spoke to reps again in XXXX bringing attention to this matter to be investigated and cleared. 

XX/XX/XXXX called and spoke to 20 different reps and departments so far. 
Need this investigated and cleared from records!!!!!! Its XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx 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 # xxxxxxxxxxxx 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hi, On XX/XX/2019, I opened checking and savings accounts with Citizens Bank pursuant to a promotional flier I had received in the mail ( the initial offer code didn't work, so I emailed the bank and received another one ). The flier advertised that if kept {$15000.00} in a new savings account for three months, the bank would give you a {$200.00} bonus. I was opening the account online, so I called Citizens Bank 's customer service line to ensure I was jumping through the proper hoops. They assured me that if I simply opened the account and transferred over {$15000.00} to it, I would be given the {$200.00} bonus once I had kept the money in the account for the required length of time.

Fast forward four months later ( after I had met the required time listed on the flier ), I had still not received the bonus that the promotional offer had promised. I called the  bank again on multiple occasions, and they told me that I had not meant a requirement that the {$15000.00} be used to open the savings account. Because I had initially opened the account without the funds and then proceeded to initiate a transfer from another bank account afterwards, they couldn't give the money. This was a clear violation of what the prior customer service representative had told me, and what the chart on their flier said were the terms of the promotional offer. Reading the fine print, I came to understand how the could interpret the fine print to impose such a requirement, but it was by no means obvious, and the customer service call and basic thrust of their flier had tricked me. I continually tried to explain what had happened over the phone, but the bank 's customer service representatives refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late PUBLIC FILINGS U.S. BANKRUPTCY COURT XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps on violating my rights to have accurate reporting on my account XXXX XXXX XXXX XXXX. 

On XX/XX/2022, I sent an 8-page letter to Transunion to address many incorrect reported items on my credit report. Many but not all were corrected. Please find attached a copy of the sent I sent via Certified Mail to Transunion. 

On XX/XX/2022, Transunion responded to my XX/XX/XXXX letter alleging that Transunion takes seriously the accuracy of my credit report. On Page 6 of the response letter, Transunion alleges that conducted an investigation and concluded that the XXXX XXXX XXXX XXXX XXXXXXXX account is " VERIFIED AS ACCURATE AND UPDATED ''. Please find attached a copy of the Transunion letter. 

After reviewing my credit report on XXXX, two days ago, I noticed that all three Bureaus have different information for the same account on the following categories : 1 ) High balances 2 ) Last verified 3 ) Date of last activity 4 ) Date Reported 5 ) Date Opened 6 ) Creditor Type 7 ) Account Status 8 ) Creditor Remarks 9 ) Last Payment 10 ) Term Length 11 ) Account type 12 ) Payment Frequency 13 ) Two-year payment history Please find enclosed a copy of my XXXX report where you can clearly verify my statements that all three Bureaus are reporting different information for the same account.
Product: Credit reporting or other personal consumer reports

I requested to dispute the account below I have know knowledge of nor did I authorize with the 3 credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

XXXX XXXX Equifax are still reporting this on my credit which is preventing me from closing on my home loan. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are plenty hard inquiries on my credit report that I dont recognize.
Product: Debt collection

A violation of 18 USC 1028 identity theft has occurred. This company Transworld System XXXX # XXXX is in possession of my name and address. amount {$10000.00} on XXXX The company has no expressed written consent. I issues this company a Cease and Desist.
Product: Checking or savings account

I have been using credit karma money spend account for my banking needs for a few years now. Out of nowhere on XX/XX/XXXX I get an email that my accounts were deactivated. On XXXX I had a direct deposit in the amount of {$790.00} but Im not able to access my money. After telling me my account was deactivated they finally told me my account is under review but with no explanation. Ive emailed them numerous times and all they tell me is the higher ups are handling it and they will email once the review is over. I need my money and if they plan on closing my account that is fine but they have no right to keep me from having access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

About five minutes ago, I called Experian to report previously-reported inaccurate information. After being on hold for 27 minutes, the representative answered. I conveyed that I wanted to dispute information reporting incorrectly and advised that I was on a recorded line, the representative stated that she did not consent to the recording. I, the consumer, in turn conveyed that I did not consent to being recorded. 

I told the representative to hold on ( so that I could stop the recording and continue the call un-recorded ) and the representative said, " thank you for calling Experian '' and hung up on me. 

I never did get to make my dispute for the inaccurate information. The report number I gave her was XXXX.
Product: Checking or savings account

Since XXXX, I have been a loyal user of the XXXX debit card. I have adhered strictly to all the banks rules and have not engaged in any unusual activities. On XX/XX/XXXX, I received an unexpected email stating that my phone had been deleted for use with XXXX XXXX, followed by my account being locked due to alleged unusual activities. I was unable to access any of my accounts and immediately contacted customer service for clarification. 

To my dismay, I was informed that the bank had decided to close my account and discontinue my access without providing any specific reasons. I was told that my account was in the process of being closed and would be fully closed by XX/XX/XXXX. A check with my remaining balance would be mailed on XX/XX/XXXX. However, there was no guarantee that I would receive the full balance in my account or a timeframe for receiving this check. 

This situation is extremely distressing, as all my savings are in this account. I have rarely used this card recently, with the only significant transaction being a few XXXX dollars transferred to a friend. As a recent graduate from XXXX University preparing to relocate and start my career, this abrupt and unexplained action by the bank has placed me in a difficult position. I feel powerless against the bank and am earnestly seeking assistance through this complaint. 

Request : XXXX. I request that my account be reopened, given the lack of clarity and justification for its closure. 
XXXX. If reopening the account is not possible, I urge the bank to ensure the timely return of my full account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope all is well with you. On XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me
Product: Credit card

Chase Bank USA is reporting an incorrect balance on my credit reports. Chase sold the account and the account was paid as agreed and should currently reflect a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX, Account # XXXX is still showing a late payment that is reporting on my credit profile. The late payment was reported in XX/XX/XXXX and the last update was XX/XX/XXXX I will like this late payment removed if it is passed the time allowed to still show a late payment on my credit profile. This is illegal and I want it corrected.
Product: Credit card or prepaid card

*See Attachments I am a Natural Person and Consumer, and writing you Chase Cardmember Service , Customer Service to DISPUTE and Put you on NOTICE of a BILLING ERROR. 

I received a Chase Freedom statement from you stating that I have a Minimum Payment DUE of {$2500.00}. It has a PAYMENT DUE DATE of XXXX and shows a NEW BALANCE of {$8900.00}. 

One BILLING ERROR being the {$2500.00} minimum payment you state is due for me to pay. The amount is showing a POSITIVE BALANCE, which is very DECEPTIVE and confusing. Please clearly explain HOW a Cash or Debit Card payment from ME, which is a positive amount, can be used as PAYMENT to pay down a POSITIVE BALANCE? Are you implying that A PAYMENT ( ALWAYS A POSITIVE AMOUNT ) will take the POSITIVE BALANCE to XXXX? ... .. ( see attachments ). 

Another BILLING ERROR 18 USC 8 states that ALL DEBTS, BILLS, CERTIFICATES OF INDEBTEDNESS, DRAFTS FOR MONEY ARE THE OBLIGATION OF THE UNITED STATES. According to this Federal Law, I XXXXXXXX XXXX XXXXXXXX, Natural Man, do not hold or owe ANY debt FOR ANY BILLS so please explain why you are sending me a form each month requesting I make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 ( 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

XXXX, a letter was sent regarding identity theft on my account. 605B, enforces credit reporting agencies to remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. We are well over 4 business days from this matter and the items have yet to be corrected. I will not hesitate to file for litigation for the stress and heartache. Information on this file may have been impacted by XXXX data breach and my information got in the hands of the wrong person. Accounts that must be deleted immediately are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report. I've sent a debt validation letter over 30 days ago and they have yet to respond, which is a a violation of my consumer rights. This needs to be removed immediately The company XXXX has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt