23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report s (   XXXX ,  XXXX , and  XXXX   ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Please  remove these inquiries from my credit reports immediately.
Product: Bank account or service

Monday, XXXX XXXX, XXXX Honorable to FDIC officials : Please forward emergency requests to XXXX. Senators : URGENT EMERGENCY CONTACTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX : I write in complaint against Bank of America that discriminates against me with overdraft checking account. I am not happy with Bank of America that Bank of America made harmful discriminates against my XXXX and appearances in horrified addresses as they insult XXXX XXXX XXXX in ugliest appearances that Bank of America does not allow XXXX XXXX XXXX entered in their bank because of overdraft discrimination, so they insulted me in more overdraft discrimination. Again, I was not happy with Bank of America because of my overdraft history continually. I complain with overdraft records at Bank of America continually telling to XXXX Attorney assistance with XXXX XXXX XXXX in coping problems. 
Please assist me of XXXX XXXX in cope problem with Bank of America requests through male Attorney helping me with finding funds should go deposit cover up overdraft complaints to be requiring assistance XXXX XXXX XXXX along with Male Attorney in seriousness matters in law requests. 
In requiring law applies to XXXX XXXX XXXX must having a male attorney assistances with banking issues that I need helping requests with banking addresses in serious matters. Please requires applying to male attorney investigates on my bank account finds out overdraft records that they uses discriminates against me with XXXX as Bank of America does not like me having banking account because of overdraft periods. 
Please take this letter to Male Attorney requires taking me to investigates with Bank of America requests according to the law requirement to make deposit amount cover up overdraft fees. I do not have any extra money for deposit that I am having lot of stuck with no funds for deposit continually. 
I do n't like XXXX Apartments involved my political letters and stay away from XXXX Apartments that I do not like participate XXXX Apartments as I do not want reside at this bad housing at XXXX XXXX Apartments that they made me in baby diapers. They called me in sick and dumbest gentleman messages telling to XXXX. XXXX and XXXX XXXX. 

Please share with XXXX. XXXX and XXXX XXXX help me out with banking discrimination report to Male Attorney in XXXX XXXX deals with me in coping problems. 

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

The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX  : Balance : {$11000.00} Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX  : Balance : {$1100.00} Fraudulent Account : XXXX XXXX : Account XXXX XXXX  : Balance : {$1300.00} Fraudulent Account : XXXX XXXX XXXX  : Account XXXX XXXX : Balance : {$4000.00} Fraudulent Account : XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX Balance : {$5800.00} Fraudulent Account : XXXX Bank : Account XXXX XXXX  : Balance : {$3100.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an alert from XXXX about a collection acount. I never received any notification from the collection agency that the account was assigned to them or that it was being reported. XXXX XXXX XXXX never sent me anything to advise that I was being referred to a collection agency. I never received any correspondence from XXXX XXXX XXXX or from the collection agency. I just saw this account listed on my XXXX  credit report without any opportunity to pay the account before it went into collections. The balance is only XXXX from a final bill that I never received and the other XXXX is from equipment that is in my storage unit. My unit that I was living in was sold and I had to suddenly move. I had mail forwarded and there was no correspondence from anyone about this account. I lost my job and couldn't make the final bill payment and spoke with XXXX XXXX XXXX and advised them of this but they never indicated the account was being sent to a collection agency. I have the equipment and advised XXXX XXXX XXXX that I am returning it via XXXX. I spoke with a rep from the collection agency and advised them that I was only going to pay the original creditor and the represetative stated that I had to pay them and that even if I paid, they would not remove the account from my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information under 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Willful Noncompliance ). I request that you thoroughly investigate these discrepancies as required by the FCRA and correct or remove any information that can not be validated. 

The specific items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are either outdated, incorrectly reported, or otherwise inaccurate. As you are aware, under the FCRA, you are required to ensure the accuracy and completeness of the information in your credit reporting system. I request that you verify the information with the original data providers and provide me with documentation confirming your investigation results. 
In accordance with 15 U.S. Code 1681o, if you willfully fail to comply with the FCRA, I am entitled to seek civil remedies, including the possibility of recovering damages resulting from any negative impact this incorrect information has had on my creditworthiness. I trust that you will promptly address this matter in order to avoid any legal recourse. 

Please provide me with written confirmation of your receipt of this dispute, as well as an update on the status of your investigation, including any corrective actions taken. I expect a response within the statutory 30-day period, as outlined by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

In accordance with the fair credit reporting act XXXX Account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXXXXXXr account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.
Product: Credit card

I opened the account with TJX Rewards Mastercard in about late XXXX, XXXX. Used the card twice. Never carried it around with me nor gave anyone access. By the second statement, card showed about a {$200.00}. balance because of a hotel charge in XXXX, XXXX, a place I've never been. I reported this as fraud. I kept getting statements showing the balance. I used the card only once more for about {$120.00}. and paid this in late XXXX, XXXX. Talked with customer service reps numerous times about statement showing the correct balance, which had been paid off. They charged me late charges and interest. As of XXXX XXXX, XXXX, I asked to speak to a supervisor and asked that the card be permanently closed. I did not receive verification of this and continue to get statements, still showing a credit balance, which has not been paid to me as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I placed an International consumer money transfer in the amount of {$4000.00} XX/XX/2022, from XXXX Bank  XXXX XXXX Bank  in XXXX, XXXX, XXXX Bank of America. This complaint is directed against Bank of America for failing to fulfill its responsibilities as an intermediary, by obstructing the progress of the wire transfer, by not responding in a timely manner to inquiries and amendments from XXXX Bank  or from XXXX Bank. Furthermore, Senior XXXX investigator XXXX XXXX, who was tasked with investigating this particular wire transfer via a complaint I filed with Consumer Financial Protection Bureau, was unable to make ANY progress in the investigation due to obstruction by Bank of America, who do not respond to her inquiries in 9 days. XXXX XXXX has now requested an extension. Bank of America is not cooperating with, or not participating in, the investigation mandated by the CFPB, thereby interfering with my due process and obstructing my right to a fair and just investigation and a fair and just outcome. 

I believe this lack of transparency is part of a deliberate and concerted strategy of Bank of America to obstruct this investigation, in order to run the clock on the transfer, have the XXXX XXXX   return the transfer, obfuscate the details regarding the transfer, and then deny me access to my own funds. I am forced to conclude that they plan to keep my {$4000.00} and hide behind their lack of transparency and their wall of deliberate silence. In other words, I believe that they are committing organized institutional theft by a bank against its consumers. 

The {$4000.00} original money transfer was received in XXXX Bank headquarters, but could not be assigned to beneficiary account due to incorrect beneficiary account name and number. I was advised by XXXX to file amendments for beneficiary account name change and account number change, in person through XXXX bank employee XXXX, and then through XXXX Wire Disputes XXXX XXXX I filed Beneficiary Account Number amendment once and I filed Beneficiary Account Name amendment twice through XXXX Bank. I filed a request for Wire Transfer Return once. XXXX Bank filed request for XXXX  199 several times. 

It appears that Bank of America failed to transmit any of these amendments to XXXX Bank, failed to transmit the request for money wire return to XXXX Bank, failed to respond to XXXX Bank 's inquiries for additional information, and failed to participate in, or cooperate with, the investigation demanded by the CFPB. 

I wish the {$4000.00} be returned to me immediately or the next complaint will be with the Attorney General.
Product: Debt collection

Found a collection on my credit report for Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX for {$3100.00} for a house that I rented from XXXX XXXX XXXX XXXX XXXX. 

When I moved in I completed a move in sheet and I took video of any damage/repairs that needed to be handled. Turned in the move in sheet as required. No work was ever done. Had a family emergency and was forced to move out only a few months later. Was XXXX month behind on rent. Court ordered possession of property only, no money was awarded ( can provide copies ). Moved out and took video of house upon move out to show no damage or trash was left behind. Videos are time stamped and dated. 

I contacted Credit Bureau Services, requested validation of this alleged debt, and was provided with a barely legible copy of my lease, an email list of things that were done to the house, a few " bills '' for cleaning up large amounts of trash, charges for the past due rent, and other miscellaneous items that were completely unbelievable ( especially after viewing my move out video ). There was no accounting for my non-refundable pet-deposit either. When I offered to settle this matter for half of the amount owed, I was ignored. So, I went straight to the original creditor, XXXX XXXX XXXX. 

I was surprised to find that XXXX XXXX XXXX was no longer in business. Instead, there was a new company name, same owner, same address. After researching I learned that the owner, XXXX XXXX, has a very long and sordid history of doing this when XXXX of his businesses starts going under. The new company name is XXXX XXXX XXXX XXXX in XXXX. I filed complaints with the XXXX to try and get some assistance with this matter and get this collection off of my credit reports to no avail. Again, I offered to settle this account for less than the amount owed. I disputed the charges and informed XXXX XXXX that I had the videos of the move in and move out. I was told to stop contacting their offices and only communicate with their attorney, XXXX XXXX XXXX with XXXX XXXX in XXXX XXXX. 

I reached out to XXXX XXXX via fax at the end of XX/XX/XXXX. He called me a few days later, stated he would look over my account and information and get back with me. I never heard from him again. I tried reaching out again twice during the month of XX/XX/XXXX via fax, and have heard nothing. 

I paid an extra deposit on this house upon move in. I paid a non-refundable pet deposit when I moved in. The court awarded the company only possession of the property at the time of my move out. I have evidence that this house was left perfectly clean with no trash or damage that was not already there when I moved in ( and was never repaired ). Even if I was to be charged the rent they claimed I owed, that was more than covered by the deposit I made and the back yard clean up was covered by the non-refundable pet deposit they conveniently forgot to account for. I believe these " bills '' are fraudulent. I am more than happy to share the move in video with you, but I have been holding onto the move out video in case I need to use it in court. You are welcome to every other document I have.
Product: Debt collection

I am XXXX XXXX. I am reaching out regarding an urgent matter involving Kimball Tirey & St John. According to them, there is a debt totaling {$14000.00} linked to my name. However, I am completely unaware of any such debt and strongly suspect it to be the result of fraudulent activity. 

It has come to my attention that there is a looming threat of wage garnishment due to this alleged debt. Therefore, I am appealing for immediate assistance in resolving this issue. I earnestly request that this matter be investigated and rectified as soon as possible to prevent any further complications. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX charged my Discover for {$64.00}. I previously cancelled XXXX prior to XX/XX/XXXX.

I called Discover around XX/XX/XXXX to file a dispute. I also called XXXX again. 
Discover denied my dispute on XX/XX/XXXX, I called again on XX/XX/XXXX and was told there was nothing I could do, even though I have documentation. The charge of {$64.00} remains on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it. 

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from me.
Product: Credit card or prepaid card

I've written an entire blog post about this. I have all the details, receipts, and medical paperwork described in the blog post in the link below. 

XXXX XXXX XXXX ( please copy and paste the above link into a browser if it does not show up as a clickable link ) -- Contact me anytime. 
XXXX XXXX ( cell )
Product: Mortgage

In XXXX of XXXX I was not informed of Maryland Homeowners Assistance Fund ( HAF ) and that my only option would be to increase my mortgage payments and interest rate. After reversing a re-payment plan agreement, PennyMac once again, on XXXX XXXX, prior to end of re-payment agreement, told me that my only option to save my home is to increase my mortgage payment and interest rate. 

On XXXX XXXX XXXX Penny Mac Loan Servicer sent me a letter to cure default and intent to accelerate. On XX/XX/XXXX, I called PennyMac to review my options for assistance for missed payments XX/XX/XXXX and XX/XX/XXXX. After receiving a letter from Penny Mac on XX/XX/XXXX, stating I had no options available, I called PennyMac on XX/XX/XXXX and set-up a repayment plan, allowing me to bring my mortgage current by making double monthly payments starting on XX/XX/XXXX to XX/XX/XXXX, the Lender assured me, that the agreement was in good faith and no paper work was needed as long as I made each payment before the end of the month. 

Penny Mac accelerated foreclosure proceedings on my home, after agreeing to a verbal repayment plan. Penny Mac Loan Servicer made a verbal agreement with me for a repayment plan to bring my loan status current. My double payments ( {$3500.00} ) were set up for automatic withdrawals from my bank account on, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and PennyMac reversed each withdrawal. PennyMac reversing payments, caused my home to go into foreclosure. Instead of taking the double payments from my account, PennyMac dishonestly, applied me to another agreement that would increase my monthly payments from {$1700.00} to {$2300.00} and interest rate from 3.0 % to 6.875 %.
Product: Credit reporting or other personal consumer reports

This is very upsetting, I found out that my credit report contains inaccurate and incomplete information. My requests in correcting this information keeps getting ignored and my life and credit score is negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1700.00} XXXX  XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}