23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Was in possession to ( 2 ) credit cards from Bank of America which I've been a customer since XXXX I can not at this point in time provide the dates in when I got these credits cards because I don't have the contract agreement due to the Covid Pandemic of XXXX. 
During the Pandemic I was stuck in the XXXX for ( XXXX ) months unable to leave that Country restrictions and I had an outstanding balance on both credit cards with interest and late fees being added on each month.At the time of the Covid pandemic creditors was giving customers time on there loans, credits cards etc being announce American Rescue Plan by XXXX XXXX. I contact Bank of America and explain my situation to them where at this point in time given my current location that I can not make any payments towards both cards and if I'm able to enrolled in this plan, there response was that I had to be in the United States and whenever I got back just notify them.The balance for both {$7100.00} and when I contacted them in XXXX they said that nothing can be done about it the time had pass been served now in collections third party and I call the bank requesting a copy of the credit card contract agreement since XX/XX/XXXX and they haven't provided it me and both accounts are in a charge off currently.Reason I don't have a copy of the signed credit cards contract agreement is due to my home and belongings got Auctioned off due to nonpayment where everything was done while I was stuck in the XXXX went to Court on XX/XX/XXXX base on the a summons from Bank of America to settled a payment amount ( 1 ) {$50.00} per month ( 2 ) {$80.00} per month until all debts are paid off however I come to find out that I'm paying a debt collector instead of Bank of America and when I contact them requesting the contract agreement they are not providing me with it and all of the ( 3 ) credit bureaus shows both accounts charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting me as late even though I'm never late so please look at the attached documents to prove my point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm invoking my specified remedy as a XXXX XXXX member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # XXXX.
Product: Credit card

I had one account with Fortiva ending in XXXX. 

They are telling me I have two accounts, another ending XXXX. 

I have never had a card or account with that number. 

I asked both these accounts be closed, which they did do. 

Now they want me to {$80.00} for an account I do not have. 

The XXXX never called me back, they are harassing me with emails. 

I dont know how to resolve this fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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. 

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 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: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding the repeated attempts I have made to remove an accounts included in XXXX and public records from my credit report. Despite my diligent efforts to rectify this issue, it persists, causing significant harm to my financial well-being. 

I initially contacted your agency on date of initial dispute to report and dispute an account that is inaccurately included in XXXX and public records on my credit report. Since then, I have made several additional attempts to address this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, this account remains on my credit report, negatively impacting my credit score, financial credibility, and overall trust in your agency 's ability to maintain accurate credit reports. This inaccurately reported account has a direct impact on my ability to secure loans, housing, employment opportunities, and other financial endeavors. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of this account in XXXX and public records. It is crucial to emphasize that this account does not belong in bankruptcies or public records and is not a reflection of my financial responsibility. 

I urgently request that you take immediate and definitive action to remove this account from the XXXX and public records section of my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your immediate assistance to remove these following items : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints against best buy CBNA, My last dispute was handled by XXXX XXXX who was highly upset regarding my dispute which they were in fact reporting inaccurately! He decided to report more inaccurate information to the credit bureau regarding my paid off closed account which made my score drop 40 points. That was fraudulent and he had no right reporting any new information on an account that was paid off and closed 5 years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

Shellpoint the company servicing the my mortgage account since XX/XX/2019 has impose fees such as late fees. Has repeatedly claimed I have not made a payment or was late on my payment even though I have proof of money orders mailed and cashed. I have asked for Shellpoint to send me a itemized letter of payments received, money order reference and the balance at the time and they have failed to do so.
Product: Debt or credit management

Court order that debt be deleted in bankruptcy creditors agreed to court order and still sold the debt to different creditors and continue to share my personal information after court order judgment to dismiss
Product: Student loan

They were properly notified that I was XXXX and on ssi for several years and placed my loan in default anyway.
Product: Student loan

I submitted a request for forbearance on XX/XX/year> by phone call as required by Firstmark Services. I have not received a decision as of XX/XX/year> and my payment is due XX/XX/year>. They know this and are intentionally withholding a decision until the payment is due/after the payment is due. I have called and sent follow up contact requests with no response.
Product: Mortgage

My mortgage loan was sold to NewRez LLC in XX/XX/XXXX. I have an escrow account to pay my property taxes and homeowners insurance premiums. My property taxes were due in XX/XX/XXXX, with penalties for delinquency if not paid before XX/XX/XXXX. On XX/XX/XXXX I contacted the mortgage company because the taxes had not been paid on my behalf. I was assured they would be paid on time. On XX/XX/XXXX I became aware the taxes had not been paid, although my mortgage statement reflected the amount due for taxes had been debited from my escrow account. 

Since XX/XX/XXXX ( day i learned taxes were delinquent ) I have tried to contact the mortgage company repeatedly, with calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally I emailed their customer service with a copy of the notice of delinquent status on my taxes from XXXX XXXX NC, which also reflected late fees that had been accrued so far. 

I have been unable to get any resolution, I continue to be given no date for resolution and just the same information I already have - that the amount had been taken out of my escrow account. 

I need help with this matter before the tax penalties continue to increase, a new penalty is due to be added on XX/XX/XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. 
I had been in forebearance ( which XXXX charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of XXXX  and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. 
Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. 
I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. 
thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX AL XXXX WY XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XX/XX/XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX SEQUIUM ASSET SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

On XX/XX/2019 I received a letter of a debt I have never heard of from Synchrony Bank collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER. 

The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to Synchrony Bank.
Product: Credit card or prepaid card

On XX/XX/20 an unauthorized purchase was made to my credit card. Upon seeing the charge I made a call to Citi Bank to tell them it was not my charge They cancelled the card ending in XXXX and issued a new card ending in XXXX. They allowed the charge again on the new card and kept allowing charges. 
The company that made the charges XXXX XXXX XXXX XXXX. The thief had my social security number probably due to the XXXX  breach. So Citi Bank determined I must have made the charge. I requested the product description and they refused to provide it, supposedly for privacy purposes. I did not make the purchases and both Citi Bank and the XXXX company refused to find the thief. 
charges XX/XX/20 {$60.00} XX/XX/20 {$180.00} XX/XX/20 XXXX new card XX/XX/20 {$180.00} XX/XX/20 {$12.00} XX/XX/20 {$160.00} XX/XX/20 {$20.00}. 
I filled out every form they sent both in e-mail and USPS. They still made me pay me all the charges. I finally closed the acct. I want my money returned to me and the thief found. I have also spent tons of time and expense returning the forms and many phone calls. 
Transaction Details Transaction Date : XX/XX/20 Transaction Amount : {$180.00} Merchant/Description : XXXX XXXX Dispute Details Dispute Date : XX/XX/20 Dispute Amount : {$180.00} Dispute ID : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and as a result, unauthorized accounts and hard inquiries have appeared on my Experian credit report. XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX These accounts and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were not initiated or authorized by me, and they are causing significant harm to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ic system is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.
Product: Checking or savings account

On XX/XX/XXXX, I signed up for the Citi Checking offer where I would receive a {$300.00} bonus within 30 days of making two direct deposits within 90 days of account opening. I made the XXXX direct deposits on : XX/XX/XXXX ( {$1100.00} ) and XX/XX/XXXX ( {$1200.00} ) this met the criteria for the bonus per the terms of the offer. The Citi customer service representative confirmed this as well and stated I will have the bonus no later than XX/XX/XXXX. I have not yet received the bonus and my most recent call to customer service was not helpful providing insight on if and when the bonus was going to post to the account. Attached is the welcome email showing I was enrolled in the bonus offer and a screen shot of the dates/amount of the direct deposit from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report that should be taken off. It was back in 2012. It's been 8XXXXyears and should come off. Experian still has it on there report.
Product: Money transfer, virtual currency, or money service

Cash App is a mobile payment service that allows users to transfer money to one another using a mobile phone app. has been taking fees without my consent from my XXXX XXXX Personal Account unknowingly from XX/XX/2023 to XX/XX/XXXX, XXXX and is stating it was a business account which provides Goods and Services I DO NOT do any Business ' on this account again its a Personal Bank Account. 

Theyre excuse for charging the Fee ( s ) is that I was on a business account which handles goods and services. Instead of a personal account and thats why they were taking the fees they switched my account back to what they call a personal account finally on XX/XX/2023 and refunded me my fees going back ONLY seven days I would like all my fees credited back from the initial date of XXXX the XXXX 2023 since I had no knowledge and gave no consent and they continued taking fees for the three month period!!
Product: Debt collection

Caine Weiner has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account that was closed on XX/XX/XXXXXXXX  is saying I owe XXXX  on XX/XX/XXXX. I asked the debt collector to show proof of notice because I was unaware they gave me false address. And they wanted my social Security number.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter that has been pending since my initial contact via mail and subsequent complaints filed with the CFPB. Regrettably, despite the passage of several months, I have yet to receive the anticipated resolution from your department regarding the misleading and inaccurate entry on my credit report.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BESTBUY/CBNA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY