23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

bank of America credit card has allowed continual fraud and then ignored andhas continually ignored my disputes and requests for action. they have reported me negatively while this is in dispute, harassed me and not done anything to assist or rectify this matter. they have violated and continue to violate credit card rules and regulations that I'm in agreement with and they have nopt proplery handled this dispute or redit card processes. I want this account removedand this to stop immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report, and saw several items on there to be in accurate. Under 15 U.S code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681 I ( 5 ) treatment of inaccurate or verifiable information ( A ) in general, if after any investigation under paragraph ( I ) Of any information dispute by a consumer and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( I ) promptly delete the item of information from the file of the reinvestigation, and ( ii ) promptly, notify the furniture of the information that the information has been modified from the foul of the consumer. 
Please remove the following items from my Credit Report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Requesting XXXX to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXX have been XXXX Credit customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, XXXX, XXXX and Experian is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customers.XXXX  XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to use XXXX through Chase Bank. On XX/XX/XXXX I had some work done on my house and tried to pay using XXXX. My account was locked four different times during this process. I was not able to pay for the services I received through XXXX however I was able to use another app to send payment. At that point in time I thought I was fine. I spent well over an hour on the phone with Chase and completed my transaction. Today I am trying to again pay another contractor for services rendered and I can not access my online accouunt. I have spent XXXX minutes on the phone with chase. Because it took me additional time to enter my verification information the auto verification system would not accept my responses. I apologize that my XXXX  hindered my quickness to respond to the online verifiaction process but my money should not be held hostage. I asked for a supervisor I spoke with XXXX who would not assist me either and ended up disconnected the call. Now I am on the phone again trying to access my own money to pay for services rendered so they will leave my house. The solution provided by Chase was to call back and go through the process again and hopefully I would be able to enter my information faster this time. Also I was told I would need my complete credit card number when in fact all thar I needed was the last 4 digit of my card number, not the complete number,
Product: Checking or savings account

I have not received a direct deposit from Social Security that is due soon. I realize there is a issue but what about us who must pay bills. Are we left hanging out to dry and start loosing everything??
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC Section 809 ( B ) I'm putting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX NY on notice that your claim is disputed and validation of the furnished account. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX has not supplied proof under the doctrine of estoppel by slience, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I have a right to this information, as it's directly associated and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. * Chain of Title Proof that you are a licensed debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. * A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting. And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account? 2. What are the terms of the transfer of rights regarding this alleged account? 3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 4. Did you purchase this alleged account from the alleged original creditor? 5. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ). Failure to remove inquiry off my credit report will result in legal matters being taken and me turning XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX NY XXXX into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Psalm 17:2 " Let my sentence come forth from your presence. Let your eyes look on equity. '' Maxim of Law : Heb 4:16 " He who fails to assert his rights has none. Lev 5:4-5 '' Truth is expressed in the form of an affidavit. 1 Pet. 1:25 An unrebutted affidavit stands as truth in commerce. Heb. 6:16-17. An unrebutted affidavit becomes judgement in commerce. In Good Faith Without Prejudice Under Duress By : XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth Savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Radius Global Soulutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care with XXXX XXXX XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX XXXX XXXX that the debt is the result of identity theft. 
My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. 
The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. 
Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
Product: Credit reporting or other personal consumer reports

Today on XX/XX/year> I went into XXXX XXXX, XXXX, XXXX, to obtain a new year credit report and noticed a company showing Name of XXXX XXXX XXXX XXXX XXXX has flagged your account as Collections on XX/XX/year>. 

Company XXXX XXXX XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/year> Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance {$440.00} This is a formal notice in regards to the inaccurate and fraudulent account ( s ) reporting on my consumer report by the company, anonymous collections company. 

I am requesting immediate removal of the inaccurate account ( s ) I am attesting that I have not received a validation letter from the collection company mail nor electronically. 

I am reaching out to the Consumer Financial Protection Bureau I have no verbal nor written contract with Anonymous Company XXXX XXXX XXXX XXXX XXXX ( Collections ) that states that I owe or agree to pay them any monies. 

I have no knowledge of this company and again I have no desire to do any business with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I as the victim of the fraud, am requesting that the XXXX XXXX, XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and I am aware that this is subject to a {$1000.00} fine per violation
Product: Credit reporting or other personal consumer reports

XXXX has continually reported fraudulent accounts for YEARS. I have continued to get them removed and they continue to replace the item sometimes at the same or differing amounts with zero notice or legal right to do so. I also now have a credit card showing up as XXXX that I never requested
Product: Credit reporting or other personal consumer reports

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX XXXX, Equifax is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account, BARCLAYS BANK DELAWARE, is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the date last active, payment status, account type, and payment history. Lets correct this immediately. The Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Mortgage

I would like to file a complaint against Flagstar bank. 

On XX/XX/XXXX we spoke with them and made a plan to have a workout option. During that phone call my housing counselor XXXX and I spoke with them and were giving the following option. 

Reduce the delinquent amount by {$10000.00} then submit the remaining amount into a partial claim. We asked a few questions to the person on the phone that he was unable to answer them and needed to reach out to underwriting department. I told him, I would find a way to have the {$10000.00}, he stated that I had till XX/XX/XXXX, to pay this amount. I asked if I needed to submit another loss mitigation application and he stated I did not that my current loss mitigation application from XX/XX/XXXX would be sufficient. 

On XX/XX/XXXX I called to make payment and they told me my home is in foreclosure and they could not receive my payment, they also told me that the fee had increased to {$12.00}, XXXX and that I needed to cover lawyer fees. According to the bank, they attempted to reach out to me. I do not have any correspondence from them about this matter. It feels like Flagstar bank is purposely trying to have me fail and go into foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX According to the IRS, This XXXXXXXX XXXX XXXX XXXX  is canceled, forgiven or discharged and it is taxable income to me, they refused to send me Form 1099-C, " Cancellation of Debt, '' for this debt that was withdrawn and written off, This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX and XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( Date XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other XXXX says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the Creditor Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX after having lost my left XXXX I am now a XXXX XXXX and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX