23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past six plus years I have request Bank of America to either remove account for the adverse accounts/account that maybe considered negative. All to no avail. 
BANK OF AMERICA continues to report account as an adverse account or an account that may be considered negative. In XXXX ( 6 years ago ), account ending in XXXX was with Countrywide and then transferred to Bank of America. I had suffered a financial setback and applied for a loan modification from Countrywide, who was to have transferred to Bank of America. No follow-up responses to my loan modification was ever received from Bank of America XXXX XXXX XXXX, I obtained the services with XXXX. XXXX informed me that they would notify Bank of America that I was not to pay any mortgage, during this modification process and that they would be in contact with Bank of America on any and all mortgage issues. Basically, XXXX was to have been my representative. New York State Attorney General filed a lawsuit against XXXX alleging a wide variety of illegal and deceptive business practices and false advertising relating to XXXX home mortgage modification business. Lawsuit sought to stop XXXX from engaging in alleged unlawful and deceptive practices and an award of restitution and damages for injured XXXX customers. Upon receiving the enclosed letter, I immediately contacted Bank of America, who began working with me to bring account up to date. Due to the pending lawsuit and believing that I was doing the correct thing, Bank of America informed me that no delinquencies would be reported. House was never foreclosed. Referenced loan was refinanced and Bank of America was paid off. XXXX was found guilty in XXXX of breach of contract and had been ordered to pay restitution. Account was late but I disagree that account was never late for over 120 days XXXX 4 months XXXX. Bank of America insist that account has been reported correctly. Per letter of XXXX XXXX, XXXX Bank Of America stated that they had received my request to remove negative information from credit reporting. Bank of America reviewed credit reporting and confirmed that the information they provided is accurate. Therefore, their current reporting of my account will not be revised. I find their decision totally unacceptable. I feel that I am being penalized for the actions of XXXX, for according to their contract they were acting on my behalf, which later was incorrect and XXXX had been found guilty of breach of contract and Bank of America continues to punish me. I could see if I had been blatant in my financial responsibilities, Bank of America would have the right to report account as adverse or an account that may be considered negative. Bank of America continues to comment about Chapter XXXX Bankruptcy stating it was dismissed on XXXX XXXX, XXXX. This is inaccurate. Chapter XXXX Bankruptcy was dismissed in XXXX. This Chapter XXXX Bankruptcy has since been removed by XXXX credit agency. Bank of America account was never a part of Chapter XXXX bankruptcy. There were never any liens /liabilities filed against this record
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XX/XX/2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/202XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX
Product: Credit card

On XX/XX/ I made a purchase of mens clothing totaling {$240.00}. The cashier ( # XXXX ) informed me that I could save 10 % of that total if I signed up for the TJ Maxx rewards card. I clearly told her No.. that sounds like a credit card. and that I didnt want/ need any hard inquiries on my credit file. The cashier assured me that it wasnt, and that it would only be a soft pull on my credit. I then asked to view the paperwork to ensure that what she said was true she stated that there was no paperwork and proceeded to ask for my i.d . I, naively, went to my car to retrieve my drivers license and handed them to her. After returning home and viewing my credit report online, I see that I have a new hard inquiry on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am submitting this request to inform credit Bureaus that I have been a victim of identity theft and to dispute certain accounts on my credit report. The accounts I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX {$5000.00}, XXXX XXXX Balance : {$470.00}
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Request of validation for XXXX, XXXX, XXXX, and XXXX sent on XX/XX/2023 via certified mail. Received by collection agency on XX/XX/2023. No response. 

Request of full validation ( only partial was sent originally ) for XXXX sent via certified mail on XX/XX/2023. Received by collection agency on XX/XX/2023. No response. 

Request of full validation as the collection information they sent had multiple address and name discrepancies for XXXX, XXXX, and XXXX sent via certified mail on XX/XX/2023. Received by collection agency on XX/XX/2023. No response.
Product: Credit reporting or other personal consumer reports

Today, I noticed that my credit report contained inaccurate accounts, and I dont understand how they got there. I review my report often, and this time, I found discrepancies that seemed to appear out of nowhere. Hoping it was just a glitch, I refreshed my browser, but the accounts were still there. Because of this, I am requesting a detailed review of the documents I have submitted so that I can have peace of mind.
Product: Debt collection

Optimum outcomes inc robicalled at XXXX on XX/XX/2018. When going through the prompts the voicemail for the number transferred to is full, they have called numerous times Day and night all robocalls with no way to contact anyone.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to obtain credit. It, s my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made 2 transfers online through my Citibank account totaling {$1000.00} using XXXX as the means to transfer the money. 
I thought I was paying the breeder of a puppy for the dog, but unbeknownst to me i was falling victim to a scam. The money was transferred and received by the scammer. The morning the puppy was to be sent, the " breeder '' sent an email saying i would be contacted by the shipper to make arrangements. 
The shipper demanded that i pay an additional {$980.00} to have the puppy shipped to me. 
I contacted my local police and made a report as well as filing a report with the FBI on internet fraud/scam. 
i contacted Citibank Fraud by phone and they opened a ticket on my behalf, but essentially told me that there is nothing they will do because it was a " wire transfer through XXXX '' and that I initiated the transfer. Citibank is essentially blaming the victim as i am confident that they will not refund or try to get these funds back from XXXX. 
A day later i physically went into a Citibank branch office to speak to someone face to face and the financial adviser i spoke to there basically said " honestly, you are unlikely to get your money back from Citibank ''. 
I also called XXXX and they said that i should be going through my bank and not XXXX because that is where I transferred the funds. 
Bottom line is that neither Citibank nor XXXX wants to accept any responsibility, even in the face of scams or fraud. 
Legally speaking this would be considered grand larceny and I hoping that my city police department will help me. 
As a gesture of good faith for a customer of over 26 years and who is in excellent standing, Citibank should have refunded my money and initiate efforts so this never happens to another client of theirs who falls victim to a scam.
Product: Credit reporting or other personal consumer reports

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX : ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : **** XXXX : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : **** XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX EXPERIAN ACCOUNT NAME XXXX XXXXXXXX XXXX  XXXX ACCOUNT NUMBER : **** EXPERIAN ACCOUNT NAME XXXX XXXX  ACCOUNT XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX
Product: Debt collection

No idea where the debt came from, will not stop harassing old employers or parents.
Product: Debt collection

This so called firm  XXXX  and  XXXX   XXXX , together with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 years in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying to collect a zombie debt.
Product: Credit reporting or other personal consumer reports

This serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also adding responses from XXXX XXXX and XXXX and the note recived from XXXX XXXX as they did not send me a letter XXXX XXXX, XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of previous communication from the consumer. The disputed items listed on the complaint and supporting documents are not included in the consumers file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX consumer file, a dispute may be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. In accordance with the FCRA, the consumer may provide a valid identity theft report signed by a law enforcement officer or police report filed with a law enforcement agency that clearly supports the claim of identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are obligated by the FCRA to furnish accurate information and accounting. 

In accordance with the Fair Credit Reporting act The Following XXXX  Accounts have violated my rights : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 states that 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. 

XXXX and XXXX credit reporting agencies still have a XXXX XXXX XXXX XXXX  Account # XXXX, a XXXX XXXX Account # XXXX, a XXXX XXXX Account # XXXX, a XXXX XXXX Account # XXXX on my consumer report, but this is to be REMOVED IMMEDIATELY - these accounts are not on my Experian Consumer report THEREFORE, THESE REPORTING AGENCIES ARE FURNISHING INACCURATE INFORMATION. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

ALL INQUIRIES REPORTED WAS FRAUD and according to LAW said companies ( XXXX, XXXX and Experian ) have 4 days to remove all inquiries. 

FTC Fraud report was filed.
Product: Debt collection

letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Checking or savings account

I have had an account with Bank of America since XX/XX/XXXX ( XXXX, Florida ). In the past few months I have experience a number of difficulties with them involving XXXX day delays in failing to take action on items requested. The latest one involves a payment to XXXX XXXX XXXX I tried to make in the amount of {$20000.00} on Monday, XXXX XX/XX/XXXX. Bank of America instructed me they would not be able to make this payment ( my account had MORE then the necessary funds to make it ) until Friday, XXXX XX/XX/XXXX. 
Friday, XXXX XX/XX/XXXX, has come & XXXX is here. Bank of America has failed to make the {$20000.00}. payment although my account is at $ XXXX and there are no outstanding checks being held against it. I have tried to contact Bank of America thru eMail, telephone & thru their website. All attempts have been fruitless. This is another complaint I have against Bank of America. They are extremely difficult to contact. Even when FAXING THEM, it appears they either disregard the fax or never acknowledge getting it, even though my fax machine tells me the transmission was " OK ''. I want Bank of America to become more responsive to my requests and provide me an explanation of WHY they did not make that payment I scheduled to XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/year>, I sent a formal letter to Absolute Resolutions Investments stating how reporting information that they know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Specifically, section 607 of the Fair Credit Reporting Act ; Compliance procedures [ 15 U.S.C. 1681e ]. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account. I respectfully asked the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

No information was provided to me from the company. I simply as the company to provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. 4 ) A copy of your state license, including license number that gives you rights to collect in my state. 5 ) The purchase agreement. 6 ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>, I sent another formal letter to the company requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my right as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX 2 collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!
Product: Money transfer, virtual currency, or money service

This year, I have tried to split my payment with my PayPal account and/or checking account, debit card when I make purchases on XXXX. Instead, Paypal automatically siphons off more money from my Paypal balance than I authorized. When I want to use only seven dollars for my most recent purchase, Paypal deducted eighteen dollars.