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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a reme
dy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX was suppose to been closed because I lost my card i called and reported the card lost or stolen it was supposed to been cut off some way the card was being used they were supposed to dispute the charges they were fraudulent
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX 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 card

I found a previous CFPB complaint ( ID : XXXX ) from the database, which was received by the CFPB on XX/XX/XXXX. This complaint mirrors my current situation almost exactly. I used it as a reference to create my own complaint, and I have attached the documents that I have already sent. 
Chase Bank ( regarding account # XXXX ) refused my remittance coupon that was properly endorsed in accordance with 31 CFR 328.5 & 328.6. As of today, I am allegedly still accumulating late fees and interest. I contacted their customer service and also had a conversation with a chat agent, during which I discussed at length my understanding of certain financial matters that have been hidden from the general public. Specifically, this pertains to the concept of unlimited credit and the fact that banks are not permitted to loan their own assets ( 12 USC 1431, 12 U.S. Code 83, 12 U.S. Code 412 ), while the U.S. Treasury is obligated to make payments on public debt ( 31 USC 3123, 18 U.S. Code 8 ). 
Our debts have already been paid through our XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and/or Estate, and the banks have already received payment for those obligations. Yet, they continue to demand that we pay from our cash accounts, which amounts to " double-dipping. '' They label this as a " gift, '' but in reality, it keeps people financially burdened, living paycheck to paycheck, while enriching the banks. Large corporate banks are well aware of this system, although many of their employees are not. There is no longer a gold-backed dollar ; HJR 192 of 1933 eliminated the ability to fully pay debts, allowing only for their discharge. 
Because this act of accepting payment twice for the same bill was never disclosed, I believe that their contract is null and void under 15 USC 1692c ( c ). People are becoming increasingly aware of this fraudulent system. It is even documented on the IRS website under 21.1.7.9.17 Unacceptable Payments and 21.1.7.9.22 Bill of Exchange. The remittance transfer coupons are supposed to be sent to the following address : Department of the Treasury Office of Executive Secretary XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DC XXXX
Product: Credit reporting

XXXX misapplied my payments. I have submitted to Transunion cancelled checks supporting my contention, ALL BILLS WERE PAID ON TIME They have adjusted the current parts, but wo n't correct the past errors
Product: Money transfer, virtual currency, or money service

I had gotten my paycheck one day and cashapp kicked me out of the app. i got a message stating my number and email have been removed. i got back into my account to find my money gone, my name changed, photo removed, and an ongoing chat with support. only it wasnt a real agent, it was a bot that gave my info to the hacker without verifying it was me they were speaking to. i called cashapp customer service and they started an investigation that lasted at least 3-5 days. they denied it twice because i must have authorized the transaction when i didn't. the hacker sent the money to his XXXX XXXX i have screenshots and emails of the incident and will not hesitate to get justice for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

On XXXX XXXX, XXXX, I purchased online what I thought was a one-time order of XXXX XXXX XXXX for my son. I paid {$39.00} for the shipment and it was supposed to last 90 days. My son used it for about 60 days and we saw little distinguishable difference in his XXXX and I placed no other orders. 

In XXXX XXXX, we relocated to California and filed a change of address with the post office. In XXXX XXXX, I received a notice from XXXX XXXX company, who sold XXXX at the time, that my payment was past due for a shipment sent to us in XX/XX/XXXX. 

I contacted XXXX XXXX at that time and told them that I did not place another order other than the initial one and that I had received no other shipments. I was informed during the call that by placing the initial order, I automatically enrolled in future shipments. I told them I wanted no more shipments and that I would not pay for a shipment that I had no knowledge of nor had ever received. At that time, I was asked to sign a Claims Never Received Affidavit, which I did on XXXX XXXX, XXXX of which I still have a copy. 

I received XXXX other bills on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, indicating that if I did not pay I would be submitted to a Collection Agency for the same shipment, but as instructed in the Claims Never Received Affidavit, I disregarded them with the understanding that once my signed affidavit was received, my account would be credited for the shipment. I received no future communications from XXXX XXXX and assumed this issue was resolved. 

On XXXX XXXX, XXXX, I received the XXXX in a series of XXXX emails from a company called TrueAccord, a debt collection agency indicating they were collecting an unpaid debt to XXXX XXXX. I still contend that I never placed a XXXX order for XXXX, that I never received a XXXX shipment and that from my perspective, I have made all appropriate attempts to resolve this matter. I now need help to ensure this company does not continue to harass my for collection and negatively affected my credit rating.
Product: Credit card

I enrolled in an Offer with discover. 
The offer was as stated : '' Activate now and earn {$250.00} extra cash back when you spend at least {$2500.00} by XX/XX/. '' I did indeed activate. 

I spent roughly {$300.00} across other transactions in early XXXX. 
I made a last purchase of roughly $ XXXX on XX/XX/XXXX the deadline. The customer service representative stated that my transaction posted on my account in XXXX therefore I was ineligible. 

According to the terms and conditions. 
" To qualify for the extra {$250.00} Cashback Bonus, the transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. '' In fact, the transaction was made on XX/XX/XXXX and the online order was picked up on the XXXX. The promotion does not indicate that the preauthorization must become a full authorization by the offer date, that is bank business and a clever loophole for bank/credit fraud XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why does this account show different collection agencies names and when I look up contact information for the collection agency that is being furnished on my credit report, nothing comes up? There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for XXXX months. I am now disputing this information with the credit bureaus as I have tried to find the agency you are reporting but it has been to no avail. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX US SM BUS ADMIN ODA XXXX OF XXXX XXXX XXXX
Product: Debt collection

An account with Acima is reporting on my XXXX credit report as a closed account but the debt is not my debt. I have written Acima XXXX times and they are not able to locate the account and advise me they need more information to validate the account. I have provided Acima with the information I pulled directly from my XXXX credit report and is not obligated to provide further information to help them validate this account.
Product: Credit card or prepaid card

Subject : Urgent Complaint Regarding Account Closure Due to Internal Error Dear Bank of America Customer Service, I am writing to bring to your attention a serious issue concerning my credit account with Bank of America, credit limit {$15000.00}, that has been unexpectedly closed on XXXX XXXX I have been informed that the closure was due to an internal operational error within Bank of America, and I must express my deep dissatisfaction with the situation. 

The closing of my account has not only disrupted my ability to manage my finances but also had adverse effects on my credit profile and credit limits. This unexpected closure has caused significant stress, inconvenience, and financial strain. 

I have reached out to your customer service department, but the issue has not been resolved satisfactorily. I am therefore writing this formal letter to insist on immediate action to rectify the situation. 

I kindly request the following : XXXX. A comprehensive investigation into the circumstances surrounding the erroneous closure of my account, including transparent communication regarding the nature of the internal operational error. 
XXXX. Prompt reinstatement of my credit account, with all previous terms and limits restored. Do not run y credit report again since BOFA currently has my credit history. 
XXXX. A review and correction of any negative impact this incident may have had on my credit profile, including communication with credit bureaus and the elimination of any remarks on all of the credit bureaus. 
XXXX. A written apology and assurance that appropriate measures will be implemented to prevent such an error from occurring in the future. 

I understand that mistakes can happen, but it is crucial that they are addressed promptly and responsibly. I value my relationship with Bank of America and expect that this matter will be handled with the urgency and professionalism it deserves. 

Please respond to this letter at your earliest convenience, either via mail or the contact information provided above, outlining the steps that will be taken to address this issue. 
Thank you for your attention to this urgent matter. I look forward to hearing from you soon.
Product: Credit card

My son XXXX moved to XXXX, XXXX and had the post office forward his mail to XXXX. 
Without my knowledge, the post office asked Home Depot to change my billing address from XXXX, XXXX to XXXX. 
Home Depot changed my billing address to XXXX without my knowledge and without notifying me of the address change. This caused me to be late on a {$30.00} payment ( the total statement balance ). When Home Depot called me by telephone to notify me I was late, I immediately paid them over the phone by debit card. 
My name is XXXX ; it is not XXXX. I am sure the name similarity contributed to the oversight. 
I called Home Depot card issued by Citibank and the bank reversed all late fees and interest charges. However, neither Home Depot ( Citibank ) or the credit bureau has removed the mark against my credit score which dropped about 100 points to 755. 
I have explained this three times to both Home Depot and the Credit Bureau. 
Home Depot told me to work it out with the credit bureau. However, when the credit bureau calls Home Depot, Home Depot ( Citibank ) tells the credit bureau that it was n't the banks fault because the post office told Home Depot to change my billing address. 
The one credit bureau I talked to ( XXXX ) did remove the erroneous previous address ( XXXX, XXXX ) from my credit report. 
I 've had a near perfect credit rating and I believe this is an unfair billing practice and I want my credit rating to be restored.
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint XXXX, company responded that they would notify me of the results personally, not wanting to do it publically. To date I haven't received notification, response, nor has the information been removed from my accounts. I want an immediate, public response from CITIBANK reguarding the steps they have taken to remove this fraudulent account from my file.
Product: Checking or savings account

BBVA acquired Simple and transferred accounts on XX/XX/2021. I had 3 accounts with Simple and through today, XX/XX/XXXX, I still have not been able to gain access to my account. 

BBVA very publicly failed to transfer accounts : https : XXXX I have tried multiple times to get access to my accounts. Today, XX/XX/XXXX, BBVA emailed me about how they want to gain my trust : BBVA wants to build your confidence in us. 

We know some of you have had issues with your login and we apologize for your experience. Thats why, for a limited time, we are waiving many fees. In this email, we'll show you how to avoid certain fees after the waivers expire. 

I called the number they provided and the BBVA representative said that all computer systems are down and they are unable to access any account information. How is this level of incompetence allowed at a regulated institution? 

My confidence in them is destroyed. I will be leaving as soon as possible. Good luck to XXXX on their proposed acquisition.
Product: Debt collection

On XX/XX/XXXX, I received a call from Williams and Fudg collection agency. During the call, I instructed them to cease contacting me via phone and to send any documentation, including proof of the alleged debt, to my address at XXXX XXXX XXXX, XXXX XXXX, CA. The representative on the call seemed displeased when I asserted this request. Kept calling numerous times after our call. I blocked the phone number because at that point the calls were literally unbelievable. 

Today, on XX/XX/XXXX, the same number ( XXXX ) repeatedly called my workplace, causing a significant disruption. They identified themselves as debt collectors and mentioned it was a personal matter to my colleagues. Since I work at a law firm, we initially thought the call was related to a client. However, the frequent calls over and over raised concern among the attorneys, who inquired if everything was alright. 

When I returned the call, they stated that the number I was calling from ( work numbers : XXXX / XXXX ) was not on their file. I told them to stop calling. They then requested my name so they can stop calls. But representative began remarking false specific reason for the calls. I told her I provided name so they can stop calling my work and that this was unlawfully. I provided my name again. XXXX began to disclose all my information name, birth and social asking if that was me. I reiterated my previous request to stop calling me and to stop calling my workplace because at this point they were violating my rights. She took down all my work numbers and said she will add it on the do not call. 

1hr later, our office gets another call. Everyone at the office stated at this point they are harassing you. I demand that they stop contacting me overall and they are violating me under the Fair Debt Collection Practices Act ( FDCPA ). I am formally demanding an immediate cease of this account. If not, I will sue for violation of FDCPA.
Product: Mortgage

I am refinancing My mortgage and have requested from TIAA the XXXX, XXXX, XXXX, And XXXX statements but to no avail they will not send the documents to me. 

My mortgage broker needs these statements to complete the new loan. Time is of the essence due to the interest rate lock is about to expire.
Product: Credit card

Dear Madam/Sir, I received a credit card from Coamerica Bank. Before using I called customer service to get approval. They now have cancelled my card. Please help me. 
I am faxing my support documents of XXXX pages @ fax # XX/XX/XXXX. Thanks for looking into my issue. 

Very Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXXXXXX account # XXXX {$4300.00} XXXX. XXXX XXXX account # XXXX {$1700.00} XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX  account # XXXX {$3700.00} XXXX. XXXX XXXX XXXX account # XXXX {$160.00} XXXX. XXXX, XXXX XXXX XXXX account # XXXX {$700.00} 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit card or prepaid card

My card was replace due to fraud activity, Claim was filed on XX/XX/2021 and a police report was also field with XXXX XXXX station, Bank of American took 24 days with a hardship filed for funds. Funds was as placed on card XX/XX/2021 and was told to go inside a Bank American for Identification verification. XXXX branch I went to for verification. was taken by phone with a fraud rep and myself and Bank of American rep. I was told my account has been verified and cleared. Ready for withdrawal. I stood in line waiting ion rep. My transaction was declined for {$440.00} the teller informed me. I tried calling back spoke with very rude individual by the name of XXXX at roughly XXXX XXXX in the fraud department. She stated their was a code on account she would email a unknown department for request to remove code.it could take up to 24 hours. Asked to speak with supervisor. XXXX stated no team lead or supervisors will take the call. I called back and spoke with a supervisor and she inurn got fraud department on line for the fifth time. Fraud department now stated their has been a data branch.
Product: Credit card or prepaid card

Ive been a costumer with Citi Bank Credit card XXXX XXXX ending in XXXX for over 10 years. Recently I been targeted and XXXX XXXX. That's comes into play with a XXXX open complaint issue they have circulating that makes me believe I fit that criteria for the actions that have been opposed against me. Which are lowering my credit limit numerous times which triggers a higher interest rate making me closer to my spending limit, Also by not approving and automatically declining numerous times my transaction even after speaking to the fraud department and accepting charges on my personal cellphone. It forced me to close the XXXX Citi Bank credit cards and stop doing business with them and taking further action.