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

I have summarized the timeline from the police report and the phone calls Ive made regarding this issue. 

Approximately at XXXX on XX/XX/2020 my wife and I arrived at the XXXX XXXX restaurant. We sat at the bar to visit and later order dinner. 
Based on XXXX XXXX surveillance video : XXXX Suspects entered XXXX XXXX and put their names down with the hostess. 
XXXX Suspects were viewed standing right behind XXXX XXXX XXXX XXXX XXXX Suspects are seen leaving the restaurant. 
XXXX XXXX receives a text from Bank of America regarding three charges at XXXX XXXX across the parking lot for two charges of {$3500.00} and one charge of {$3700.00} which I promptly responded NO. 
Based on XXXX XXXX surveillance video : Same suspects are seen using XXXX XXXX Bank of America credit card which they had removed out of XXXX XXXX zipped purse by stealing her wallet. 
They purchased gift cards and phone cards. 
XXXX Suspects are seen leaving XXXX XXXX. 
Sunday morning between XXXX and XXXX : I call XXXX Police department to report the theft of XXXX XXXX wallet from her purse. They gave me report number XXXX and I talked to Officer XXXX giving him details of what had happened and what was missing. I promptly called Bank of America and was told fraud department was open business hours Monday though Friday. I gave them the police department case number and they issued new cards. Monday, XX/XX/2020 I called Bank of America again to follow through and make sure they had all the information necessary. 

I received a letter dated XX/XX/2020 from Bank of America denying the fraud claim. The letter stated I allowed the suspects to use the card and PIN number which they couldnt of had access to. On XX/XX/2020 I promptly called the phone number on the denial letter and talked to XXXX, I was on hold for over 20 minutes. I stated my position and demanded somebody from Bank of America, that could resolve this issue to call me back. I also requested a transcript of our conversation. XXXX stated that somebody would call in two to three days. I have yet to receive the call or any other correspondence. 

I've included an attachment of the denial letter from BoA, the police report and a copy of the text messages denying the charges
Product: Mortgage

I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies. 
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that. 
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool. 
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.
Product: Debt collection

Recieved a call trying to collect on this debt but debt is not listed on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX, and asked them to investigate errors on my credit report. They are supposed to respond within 30 days, but they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by transunion. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail, return receipt to XXXX, XXXX and TRANS UNION requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.
Product: Mortgage

I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

A formal contract was signed with a client to build a home, the client received pre approval for mortgage XX/XX/18. Builder began to work with client and loan orginator, providing details on home, completing the builder package and providing financial information. All submitted and confirmed receipt XX/XX/2018. Email from Banker confirmed package sent to Builder approval department XX/XX/18. At this point client and Builder began construction with periodic check points with orginator, conversations indicated, First draw would be available as of XX/XX/XXXX. Builder contacted Banker/Mortage Broker to get update and proceed with first construction draw and was told by banker no construction loan has been submitted or funds available. Building was started XX/XX/18 to comply with contract to complete home end of XXXX. Outstanding balance exceeds XXXX client nor Builder have funds to continue construction.Banker advised client to have Builder complete the home since it would close in 45 days and can then execute the mortgage.
Product: Debt collection

I have sent over seven written correspondences to this company to request Validation not verification. Each and every time I send a validation correspondence to the company the send the same verification documentation. I have asked this company to validate that this debt belongs to me by proof of documentation. I have specifically requested a copy of the original signed document or contact with my signature that I am alleged to have with the original creditor. I've requested that the collection agency send me an signed contract between myself and the collection agency. I have also requested any account statements that the collection agency has in regards to this account. This company continues to ignore my requests. This company also continues to report unvalidated information to my credit profiles. This company also has refused to conduct a accurate investigation into my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with XXXX  and experian. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting

I Reviewed My Credit Report After Receiving A Denial Letter From XXXX Bank. I Did Not Apply For Any Credit From XXXX Bank. Attached Is The Letter, And A Copy Of My Credit Report.
Product: Student loan

I currently have both federal and private student loans that are serviced by ACS. I became  XXXX  in  XXXX   XXXX  and have been on Social Security  XXXX  since then. As a result, my income has been drastically reduced. For my federal loans, I was eligible for an Income-Based Repayment plan and currently pay approximately $  15/month. F or my private loans, I was told that I could have up to two 6-month deferments, but no other options are available from my lender. I am currently in the second 6-month deferment, which will end  XXXX   XXXX ,  XXXX . Starting in  XXXX , I will owe approximately $  XXXX /month on these private loans. I can not afford to pay that much per month. I just spoke with a representative from ACS as well as a supervisor. They confirmed that I can either pay the full amount or go into default. If I go into default, I ruin my excellent credit rating and the lender does n't receive any payments. I also requested a way to contact the lender directly and was told that I could not. I have no idea what to do next and just want to work out a repayment plan with the lender that I can afford. I would think that they would rather get a reduced amount than nothing at all.
Product: Credit card or prepaid card

Received a prepaid debit card in mail from cash app. I did not authorize or create any account and currently do not have a cash app account. Received card on XX/XX/23. There is currently an unauthorized account in my name on cash app.
Product: Debt collection

There is a file on my XXXX and XXXX credit reports. I was made aware of this when checking my credit on XX/XX/year>. I do recognize the debt or the creditor. The account is listed as XXXX XXXX XXXX in the amount of {$170.00}. I have bever done business with a company by the name of XXXX XXXX XXXX. I have learned from dealing with this debt collector that sometimes they will buy debt with little information to prove that the debt is real and matched with the right consumer. 

Among the most common violations of FDCPA, many debt collectors try to collect debts without first validating them. If they can not validate it, they can not continue trying to collect. Debt collectors are legally required to send me a debt validation letter, which outlines what the debt is, how much I owe and the original creditor. 
On XX/XX/year> I requested a debt verification letter to get more information. 

Since this debt was added to my credit reports without first verifying the debt, I am asking that it be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Identity Theft reports to Equifax, I have called them several times and Equifax still showing those unauthorized/fraudulent inquiries in my credit file. I have filed disputes using myequifax.com and the next day that I file the dispute I get a response that those inquiries will stay in my file because they are factual records on file. I am attaching my last dispute letter to this complaint together with the Identity Theft Reports. 
Companies like XXXX XXXX and XXXXXXXX XXXX  has sent letters and requests to Equifax to remove the unauthorized/fraudulent inquiries but Equifax has not attended those request keeping those questioned inquiries in my file causing several damages to my credit and financial reputation. 

I am serving my last dispute attempt attached to this complaint dates XX/XX/2022
Product: Checking or savings account

There is no point to contacting Capital One. They believe their actions are justified, when they are not. Capital One also retaliates against complainants. 

Capital One is threatening customers with financial ruin, shutting down their accounts, if that customer gets angry at their extremely poor customer service or treatment. They are sending threatening emails to shut down that customers financial accounts. Capital One is claiming it is in their " policy '' to not allow " swearing '' and are thus justified in causing someone's checks to bounce, bill pays to fail and that customer to not obtain their direct deposits by shutting down a customers financial accounts. 

Capital One repeatedly has direct deposit, ACH failures with the claim the customer should use their 'debit card ' for direct deposits instead of repairing those ACH fails. Direct deposit with routing number and account number is a basic feature of any bank yet repeatedly Capital One has ACH failures and claims there are no record of those failures when the sending party does indeed have a FAIL record of the direct deposit attempt. Capital One claims to the customer they should " open a new account '' then refuses to let that customer open a second checking account on the phone and claims they must open it online. Then while online, that second account opening is denied and a phone number is given. Then Capital One demands a decade old, long verified customer send via unencrypted email a copy of their driver 's license and SSN card. If the customer finally gets angry, raises their voice or swears, Capital one sends that customer a threatening email to shut down all of their bank accounts. This is without resolving or repairing their ACH and payment failures. 

If one forwards this threatening letter to executive offices, Capital One in turn calls the customer repeatedly, recording conversations, trying to justify treating the customer in such an abusive and financially threatening manner. That is retaliatory. It is Capital One 's policy to shut down customers financial accounts over social, societal or " behavior '' deemed " unacceptable '' by Capital One. Cussing is not a criminal offensive and either is expressing anger at such banking incompetence that is Capital One. 

Capital One threatens, intimidates, causing financial loss, to customers who dare raise their voice or are angry over the inability to obtain basic banking services. Capital One is discriminatory. Woimen are more likely to receive this treatment because Capital One does not approve of their " behavior ''.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

Not a Duplicate : New Information being submitted. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX Experian Fraud Division, XXXX XXXX XXXX, XXXX, TX XXXX I, XXXX XXXX, emphatically declare that I am personally submitting this dispute without any third-party involvement. I have adamantly denied the ownership of any XXXX XXXX Accounts. Despite Experian 's previous removal of all XXXX XXXX accounts and inquiries from my profile, they have irresponsibly added some back. All my information is crystal clear and undeniable.

Account Verification Evidence of Investigation : XXXX XXXXXXXX is obligated to produce the following : 1. A signed agreement by me authorizing the use of my information.

2. My photo ID.

3. Statements of admission.

4. Information of the joint account holder - including their number and address.

Failure to provide this concrete evidence confirms that this account ** '' can't be verified as mine '' ** because it simply isn't.

Documents included with this letter : 1. ID 2. Mail 3. Formal Dispute Letter 4. Contact Information 5. Notarized Affidavit 6. FTC Complaint 7. Letter from Experian -- - As previously stated, " I am a victim of Identity theft. " ** I have lodged numerous complaints with the FTC and CFPB regarding the XXXX XXXXXXXX accounts. Let me make this abundantly clear : I do not own a business or a business account with XXXX XXXX, nor have I ever authorized a personal or joint account with them. 

1. Report Number : XXXX Date Generated : XXXX XXXX, XXXX XXXX. Report Number : XXXX Date Generated : XXXX XXXX, XXXX XXXX. Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account Info : - Account Name : XXXX XXXXXXXX - Account Number : XXXX - Account Type : Business Card - Responsibility : Joint - Date Opened : XX/XX/XXXX - Status : Account charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
- Status Updated : XX/XX/XXXX - Balance : {$4800.00} - Balance Updated : XX/XX/XXXX Allowing XXXX XXXXXXXX to linger on my Experian profile is a flagrant violation of several laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws exist to ensure fair and accurate credit reporting, prevent credit discrimination, safeguard against unfair billing practices, and regulate debt collection.

Experian 's blatant disregard for these laws demands immediate attention and corrective action to rectify this outrageous situation. 

XXXX XXXX XXXX XXXX