23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My mother passed away XX/XX/XXXX. We had a home equity line with Bank of America which matured that month. I went to bank after holidays approximately on XX/XX/XXXX to submit papers of her death had death certificate and statements of the account. The representative inputted in their computer and told me a loan office would contact me. I was never contacted. I waited because I had some health issues I once again went to bank of XX/XX/XXXX with a friend and got a runaround they did not have record of my mom 's demise and they wanted me to have a power of attorney. They did not want to communicate with me because I was n't on the account. I had to resubmit the paperwork and still got a runaround till at last they received everything and I was put on the account. I thought I applied for loan remodification but they sent me a denial letter telling me because my mother was dead they could n't do anything. They once again have been sending to all the different departments but XXXX good thing they did was give me the number to HUD which I contacted he went over my finances and said that I could take on this loan as remodification and was appalled when I told him I got a denial letter. He is the one that gave me your information please help. I feel the bank is trying to take over my house. They once again have sent me to a different department the loans but I feel they are going to reject because they said I would have to pay the whole loan before they even talk to me. Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 
The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance. 


15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, There is information 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. 15 U.S. Code 1681c2 - Block of information resulting from identity theft, 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 material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXXXX/XX/XXXX You are required by law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report it has come to my attention of Not proven compliant misinformation from inquires being reported on my credit report from the following : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX the credit bureau is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! Equifax has reported several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chicanery led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX Account # XXXX. In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy : As per 15 U.S.C. 1681a, I am entitled to privacy regarding my credit information. However, I have reason to believe that XXXX Account # XXXX has mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. 

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604, a consumer reporting agency such as XXXX Account # XXXX is prohibited from furnishing credit information without my written instructions. It has come to my attention that XXXX has reported information about my account without obtaining such instructions from me, thereby violating this section of the FCRA. 

I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX Account # XXXX to ensure compliance with the FCRA XXXX 

Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with XXXX Account # XXXX, and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.
Product: Mortgage

More problems with my mortgage servicer - Ditech Financial. 
Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. 
I received my current statement - now they 're billing me for 2 months of mortgage payments. 
The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. 
My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. 
This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. 
I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, Account number XXXX
Product: Credit card

I had a subscription with Been Verified in order to try and reconnect with some old friends. On XXXX XX/XX/2023 I contacted Been Verified and cancelled my subscription. I was told it would be cancelled but I was free to use it until the subscription I had previously paid for expired. On XXXX XXXX I was billed {$44.00} by Been Verified onto my Capital One Credit Card. I contacted Been Verified and told them I had been billed for a service that I had previously cancelled. They said they would remove the charge. I notified Capital One that I was disputing the charge. I provided evidence that my subscription had been cancelled and that Been Verified 's website showed that I was cancelled the subscription. Capital One denied my dispute without just cause. 
I have since paid off all charges ( including the one I did not authorize ) and cancelled my Capital One card. I am still trying to get my money ( {$44.00} ) refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is factual and evident you the CFPB do nothing to protect us individually sine the same type of complaints are entered time after time with no resolution. Once again got an OFF SHORE PERSON who has complete access to my file and asked for my social security nber ... .fact. yet no concern. Secondly as with the other two credit bureaus XXXX  credit on my account and impacting my credit and I will not have an answer for a minimum of 30 days even though XXXX  never notified me of an attempt to collect their wrong debt on XXXX XXXX XXXX XXXX. NEVER HAD IT. ATTY TENERAL FLORIDA WORKING THE CASE. ACCT XXXX  Bal yet ATT EXEC OFFICE YET XXXX XXXX STILL PURSUES 1.5 YEARS LATER furthermore the sanecrefundebt comaibts opened with your agency languish unresolved for years holding us financially captive. FACT supported by complaints.
Product: Credit card or prepaid card

I applied for a Capital One Venture Rewards because Im looking for a simple to use card for my upcoming travels. I have excellent credit and income. I have steady employment with the XXXX I did the pre approval first and I was pre approved for a few cards, so I decided to go for the Venture Rewards since I saw they have an offer if you spend {$20000.00} in a year which is ok with me. After I applied I was told my application was denied with no explication. Theres no phone number to call or discuss the application with anybody. I feel like Capital One took advantage of my by telling me I was pre approved for the card and then checking all 3 credit bureaus and denying my application without anybody even looking at it.
Product: Money transfer, virtual currency, or money service

I had funds that I earned some tears past in XXXX XXXX whee I was involved with power XXXX XXXX to XXXX XXXX XXXX and all earnings were deposited to XXXX XXXX XXXX  XXXX, as there was only one small bank in XXXX and not recommended, XXXX being the assumed safest option. 

I requested XXXX  XXXX early this year to transfer my funds to my XXXX XXXX XXXX, then I had to pay the usual fees to make the transfer, this done I was given details that the transfer had been made by XXXX XXXX via their corresponding bank Citibank New York. 

Then I was taken ill with XXXX and after treatment resumed to find oit where my funds were, dealing with a Dr , XXXX XXXX, I was sent details of my funds on route with Citibank, I then again contacted Dr , XXXX XXXX of XXXX XXXX to ask what was the delay, after more fees requested. 

I then sent a letter to XXXX in USA and received a positive reply from a XXXX XXXX confirming my funds were indeed in Citibank New York waiting onward transfer to my XXXX XXXX XXXX. 

He asked me to obtain the XXXX document from Dr , XXXX XXXX at XXXX XXXX, this I arranged and XXXX sent this to XXXX XXXX. 
Then several E mail exchanges with XXXX XXXX, then he said there was a hold on my funds by XXXX XXXX and that I would have to send {$500.00} Dollars to allow my funds to be transferred, this I did and I was given the bank account in XXXX XXXX Florida for the XXXX XXXX lawyer namely XXXX XXXX XXXX XXXX, he then confirmed by E mail that he had received the {$500.00} Dollars, then another E mail from this XXXX XXXX XXXX to say I had to pay IRS Tax of {$1000.00} plus Dollars, at this while I questioned him as I know there is NO such tax as my funds were being in USD have to transfer via the United States, while arguing by E mail, I became suspicious So yesterday I called the XXXX XXXX head office in New York and they put me through to their official register and after their search advised that there was NO XXXX XXXX XXXX XXXX in any office of XXXX XXXX and also that his E address was not genuine. 

Today I had exchanges again with this XXXX XXXX XXXX XXXX, threatening to cancel all my funds in Citibank if I did not pay up this IRS tax. 

meantime just to be certain I was waiting an E mail confirmation from XXXX XXXX of XXXX XXXX who when it arrived he had re-confirmed that XXXX XXXX XXXX XXXX was a FRAUDSTER and to take action as I do now with your esteemed office. 

I have several documents that I would like to attach as evidence if you can let me have an E mail address I will send
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard 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  I would like an update of my credit report after all of the hard inquiries REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Credit card or prepaid card

On XXXX XXXX XXXX, I received a VISA {$50.00} gift card from my daughter that she had purchased from a XXXX store. Packaging did not appear to be tampered with, but I was not able to use the card. Upon closer inspection, I saw that the card had been altered ; the last 4 digits of its number on the front of the card and the 3-digit number on the back of the card had been removed. I phoned the company at XXXX reported my issue and requested a replacement card. They assigned me case number XXXX and asked for documentation ( copy of front and back of VISA card, copy of XXXX store receipt, copy of my id ) to be sent at the email address XXXX which I did on XX/XX/XXXX. I did not hear from them. I called XX/XX/XXXX and was told my documentation was received on XX/XX/XXXX and the investigation would take 30 days. When I complained they already had my documentation for 30+ days, she transferred my call. After holding 45ish minutes, I expressed my complaint and again requested a new card ; she told me I would hear from them within two business days. Today is XX/XX/XXXX and I have not heard anything.
Product: Credit card or prepaid card

I bought 2 paintings from them XXXX  on XX/XX/20 After I received them, I decided I didn't like them and would like a refund, I contacted their support to start the process. 

I received shipping information, I paid for the international shipping back. 

After a month, the packages returned back to me, and XXXX  stated that XXXX refused my package because they didn't " order '' it. 

I contacted them about it and received no response. 

I initiated a dispute with my credit card company, Citi, and they trusted XXXX when they claimed there was custom form problems, which means they could have helped corrected but chose to do nothing and waste my efforts and money. 

Citi won't reopen or let me talk to anyone about the dispute and it's just " closed ''