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

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX, SUNRISE CREDIT SERVICE, XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2020 it was brought to my attention that there was some fraudulent changes that were made on my account with Bank of America. I received a text alert that stated there were some recent charges and on my account that they wanted me to verify. I let Bank of America know that some of the charges were not made by me and they went ahead and cancelled the use of my card and went ahead and sent me a new one. The fraudulent charges included {$200.00} to XXXX and two {$150.00} charges to XXXX. I was under the assumption that, since I had reported the charges, the funds that were taken from my account would be returned. That was not the case. I waited a few days to see if the funds would be returned and they never were. Bank of America went ahead and removed the charges from my account, so they no longer appear on my account. However the funds were nowhere to be seen. Instead my account balance was adjust to be {$500.00} less than when the funds were taken, as to make it seem like my account balance was {$500.00} less to begin with. I called to see why the funds were not returned and the representative told me since the charges were not on my account that they were never charged, which is not the case. I was pretty much told that I would need to call the companies that charged those funds in order to get my money back as they have no way of showing I was ever charged.
Product: Credit card or prepaid card

Obtaining credit should be based on legitimate factors such as your expenses, debt, income, or your credit history ; it should not be based on arbitrary factors such as your race, religion, sex, or other personal characteristics. Lending discrimination occurs when a creditor takes certain protected personal characteristics into account to deny credit or to impose unfair terms or conditions on loans. The federal Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating on the basis of race, religion, sex, familial status, national origin, age, and applicant 's use of public assistance. 

Consumer 's Rights under the ECOA The ECOA entitles you to an equal opportunity to obtain credit, but it does not entitle you to the credit itself. Factors such as your credit history, expenses, debt, and income determine a denial or approval. The ECOA applies to banks, financial institutions, credit card companies, or anyone else engaged in granting credit and requires creditors to engage in certain policies and practices. For example, when you apply for credit, a creditor may not  ask you to reveal your race, sex, national origin, religion, or whether you receive public assistance income. As I have discussed in previous conversations and I do with many business I am a XXXX, Female, woman of XXXX descendants ( Making small talk ). 

I had two accounts XXXX XXXX VISA and XXXX Mastercard both paid on time and never late. After sending out the documents requesting I was approved only to find out that the XXXX XXXX   VISA was closed about a week later and the XXXX Mastercard was closed XXXX XXXX. No explanation for the closing of my accounts were sent and in fact, I understand that Credit Card companies are currently able to close at free will. 

My concern is that Comenity Bank and its affiliates Comenity Capital Bank sends me the same bogus letter ( I have enclosed the letter ) almost two years after they chose to close the two above mentioned accounts. I have reported this to CFPB before but since then the Bank has chosen to retaliate against me. Is there a good reason why this bank is currently getting special treatment above the law on lending? And if so would you please send me the documentation pertaining to it?
Product: Credit reporting or other personal consumer reports

There are XXXX credit cards missing from my Experian Credit Report. 
First is a XXXX XXXX account and the second is a XXXX account. Both accounts show on the XXXX other bureau 's, XXXX and XXXX. I've also contacted both XXXX XXXX and XXXX and both have informed me they are reporting accurately to Experian. I've called Experian over a dozen times and they refuse to help. Their customer service just says they can't help what they can't see. I've XXXX and XXXX reach out to Experian as well but they recieve no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Transunion - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank, 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
Product: Payday loan, title loan, or personal loan

Loan financed under someone else 's social security number, date of birth, credit score, etc. 

On XX/XX/XXXX I opened a personal loan for {$15000.00} at an interest rate of 12 % joint with my husband. 

On XX/XX/XXXX I went to the XXXX branch located on XXXX XXXX to make my payment on my loan when teller asked if I would like to refinance my loan at 6.5 %. I agreed to refinance my loan. When speaking with the XXXX XXXX, assistant branch manager, she asked if I still worked at " XXXX XXXX '' I stated " No, I never have ''. XXXX then pulled my loan documents and reviewed my place of employment, social security number, and date of birth. XXXX then told me that I would need to present current paystubs to her. I proceeded to leave the branch and went home and got my paystubs. I took the paystubs back to XXXX ( on the same day ) and she stated there was a mix up on the loan application. 

On XX/XX/XXXX, I went back to the XXXX branch looking for XXXX however she was off. The tellers told me to go to the XXXX XXXX branch. I went to the XXXX XXXX branch in XXXX and spoke to XXXX XXXX, branch manager of loan department, in regards to what was going on with my loan. XXXX pulled up the information and I had to verify my social security number against the bank information and she stated that the birthdate and social security number on the loan was wrong and the loan would be investigated. 

On XX/XX/XXXX I had yet to hear back from anyone regarding this loan incident so I called and left a message for XXXX and XXXX. XXXX called me back and stated that " they were getting the information correct on the loan ''.
Product: Mortgage

For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? 

The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? 

I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. 

Thank you
Product: Debt collection

Transworld sent collection to credit report in the amount of {$470.00}. I have received zero phone calls from this company nor have I received a verification of debt letter which means this collection agency is in violation. I have zero knowledge of the debt they are reporting that I owe.
Product: Checking or savings account

I called Wells Fargo to report fraud on my checking account. They took the compliant and advised the best thing to do would be to close that account and open a new one. 
So we did. They advised that the new account was opened and I would receive confirmation in 3-5 business days. 

What I did not expect, is that after reporting fraud on the original account, they would send, via regular mail, with NO PROTECTION, an application with ALL of my personal information printed right there on the form for me to review, sign and return. 

Why bother setting up a new account to stop the original fraudsters from having my information if they are just going to serve it up on a platter for the next fraudster to pick up out of my mailbox????
Product: Mortgage

I have had an ongoing issue with paying my mortgage. Every month there seems to be a new issue that puts a block on my account to prevent me from paying. On XXXX, XX/XX/23, The block had apparently been removed, again, and when the girl called me to make my payment, she said she couldn't process the payment because the block was still in place. She then said that it could take up to XXXX hours for the block removal to be reflected on the account. She then told me that I could call in Saturday, XX/XX/XXXX, to make the payment. I made sure that she knew that she was telling me that I could 100 % make my payment on XXXX, after the XXXX hour period. I call in to make the payment, and guess who is closed on XXXX. So, I go to my online account, because she said I would also be able to pay there. Well, it is still showing a block on my account and will not let me pay. I have been constantly lied to, with several points I made to ask about to confirm these lies, and I have recorded all of our conversations. I am prepared to take this as far as possible, because this is a clear UDAAP violation, and I am shaking because of how angry I am at my mortgage company lying to me on a consistent basis and refusing to let me make my house payment. No one deserves to be treated how I have been treated. It is so frustrating, that it has had me questioning whether or not I want to continue living. I NEED help immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} This complaint is my follow-up in line with my prior complaints
Product: Debt collection

Two of 3 credit bureau report that I owe {$1600.00} to XXXX for phones in which I have attached as proof with a store receipt from XXXX. Collection agency XXXX XXXX keep harassing me. 

Note : I have communicated with the 3 Credit Bureau asking to remove from my record. XXXX XXXX responded that the charges are correct and therefore will not be removed.
Product: Credit card

I purchased services from XXXX law group on XX/XX/XXXX for {$3700.00} and XX/XX/year> for {$3900.00} they promised me they would get me evidence that my lawyer needed to build a XXXX case against my contractor that did work in my house they followed through and gave me documentation but turns out the evidence they gave me are experimental tests and are not XXXX approved my lawyer said that these tests are not the correct tests and can not hold up in court because they are not XXXX approved. When I requested a refund they refused so I went through Wells Fargo my credit card company to get a refund it was closed in the favor of XXXX XXXX XXXX saying that they provided me everything they promised. These people lied me and the documentation was copy and pasted from a random post on the internet I paid XXXX $ for information that I and my lawyer can not use. My credit card company refuses to do anything about this even though I have clearly been scammed XXXX law group changed their name to XXXX case consulting because they were misleading people to think that they are lawyers when they are not.
Product: Credit card

I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TD Auto Finance on XX/XX/XXXX and asked them why they accessed by credit file on XX/XX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization they transferred my call around and I got no reply.
Product: Checking or savings account

I have been trying to close my XXXX account for weeks, as they made all customer subscribe to their Genius subscription for {$14.00} a month. I transferred out the {$1.00} in my savings account with them, which they delayed over a week and refused to cancel my account until the transfer was finished. 

Finally I could close my account, but they charged me {$14.00} on XX/XX/23. Their business practices are shady, and they force customers to use their app to be able to contact customer service. I want my money back from them, as I don't even want to use their service. They made me jump through so many hoops to close my account, and still charged me after I finally closed my account.
Product: Debt collection

XXXX utilized Eastern Account System to collect on a debt that was resolved back in 2015. They did not provide me written notification and have now added this debt to my credit report causing a serious negative impact.
Product: Checking or savings account

I requested a transfer of the funds to another financial institution and they put a hold on the transfer for no good reason. When the representative from New York Community Bank began to request information regarding my secret questions to verify my identity the questions asked were not what I had selected when opening the account, hence I could not answer correctly any of the questions as none of them pertained to me! I found out after the fact that this institution is merging with another institution ( Flagstar Bank ) and were merging their banking systems, so the only sense I could make out of this is they have some kind of glitch and now I no longer have access to MY repeat MY money!
Product: Credit card or prepaid card

XXXX recently refunded a purchase I made to my Chase credit card. The card the money was returned to was closed by Chase last year. I have reached out to Chase to request this money be returned to me, however, they refuse to look into the matter. They have only sent me canned responses for over a month now, stating they will " get back to me within 6 business days ''. Every single time I reach out, they say the exact same thing - even though it's been close to 25 business days since I requested the help. Chase needs to return this money to me immediately.
Product: Vehicle loan or lease

on XX/XX/XXXX I purchased a new vehicle and terminated my lease with XXXX XXXX through a dealer pay off. The pay off amount was XXXX. After a while of driving my new car i noticed that the original lease with XXXX XXXXol was still showing as active. I called them in XXXX and was told that they see how the payment was applied wrong and they would fix it. I then received a bill from them in XXXX about the lease. I call them again and they inform me that they would be able to fix it as it was just a late fee because the payment was n't applied properly and they would also fix that to close out the lease. I totally forgot about it until XX/XX/XXXX when I receive a collections call because I now owe them XXXX. I spoke to a manager at this point by the name of XXXX XXXX who told me he would contact me within 24-72 hours. I received no phone call as of XX/XX/XXXX. At this time i decide to call back and see if I can get this issue resolved. I speak with a manager who seemed to be more interested in transferring me to an escalation manager by the name of XXXX. She was absolutely no help as she did not know how to fix the issue or anything. I then get transferred to XXXX XXXX who is with the office of the chair and still no resolution to the problem. I have asked for their NMLS number and was refused it. At this point I am at a total loss of what my next course of action should be. I have now had this on my credit report for one year negatively affecting my credit and it looks like there is no resolution to be had.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Prepaid card

I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America 's Prepaid Card Customer Service on XXXX and after entering XXXX of the card numbers, it stated that the card had expired. When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.
Product: Credit reporting or other personal consumer reports

I have never been late on my account and needs to be fixed the account was my Apple Card, XXXX  Sachs Bank