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

Where is the Home Loan Application, Where is the authorization of such charging such card or account, where is the 4506T verification as stated and indicated in such credit card agreement, where is the Department of Veteran Affairs 's Form XX/XX/2019 XXXX and legal counsel of record name , street address for effective service of summons and subpoenas, phone number which I as a consumer has the rights to obtain and received upon request? Where are the official and legal records listed and noted in the PROPER RECORDS request for local, state, and federal law enforcement agencies? Failure to produce these items validates FRAUD and this business should be sued in any court of law where jurisdiction is appropriate. 

I want ALL THE OFFICIAL AND LEGAL RECORDS from the list of records attached as well as the disclosure statement of records saying that such credit card company has the right to request any consumer to consent to signing such Form 4506T and the completed and legally signed off form called Department of Veteran Affairs Form XX/XX/2019 XXXX. I want the official and legal charge to what or for what in the amount of such debt of {$500.00} from the Discover Home Loan Department. I want the Discover Home Loan Application showing my signature of record to charge such and to support such a written statement by this financial institution. 

All official and legal records must be under a sworn affidavit and No Exceptions. 

Please provide all detailed reports you have collected and gathered from the attached list requested from your business or office. 

I don't owe this business anything, this business now owes me. 

This is filler-busting and shaming the process. 

This financial institution will be sued in court and will be held liable for all court costs and fees and full restitution of damages caused and presented in this illegal response and filing before the Consumer Financial Protection Bureau and the acts and actions they have caused by unethical reporting the credit bureaus in the official and legal records will be attached and presented in a court of law.
Product: Debt collection

XXXX/XXXX REPEATEDLY ATTEMPTED TO CONTACT THEN OVER THE PAST YEARS. Im a service member that was XXXX XXXX since XX/XX/2012 They cant find my account on file in order for me to pay off the debt.
Product: Credit reporting or other personal consumer reports

I submitted disputes to Equifax and XXXX about an item listed on my credit reports from XXXX Bank for a closed account listed as delinquent for {$1200.00}. In these disputes I requested a copy of the original contract and payment history substantiation this debt. I received respondes saying that the record was verified as accurate but did not furnished the information I requested. It's has been over XXXX  days since my dispute and request for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have a claim on my report with derogatory marks that was obtained during a period of time that I was XXXX. I was XXXX in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX the fraudulent activity on my report transpired In XXXX. I do not know how this is possible but please let me know what I have to do to prove my innocence and get this matter corrected. 
Thank you, XXXX XXXX.
Product: Credit card

I am writing to express my frustration and dissatisfaction with the high interest fees on my account. Over time, I have made significant payments ranging from {$100.00} to {$300.00} at a time, hoping to see a reduction in my balance. However, each time I review my account, it seems that most of my payments are being consumed by interest fees, and I am not seeing substantial progress in lowering the balance. 
I feel that, despite my efforts, I will never be able to fully pay off this loan due to the overwhelming interest charges. Additionally, with the rising cost of living, it has become increasingly difficult for me to manage these payments, which further adds to my stress and financial burden. At this point, I feel disillusioned with my experience, and I want to make it clear that I will not be seeking another Capital One credit card in the future due to this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was trying to get a XXXX car, they did a lot of hard inquiries on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX  ), XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original XXXX XXXX with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately XXXX. 15 usc 1681b ( a ) ( XXXX ) permissible purpose of consumer reports Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter.
Product: Bank account or service

Given all the fuss about XXXX XXXX opening up fake accounts, I thought I should mention that CitiBank did the same to me in 2008 as XXXX XXXX. I did not want a Citi bank account, I did not sign a contract agreeing to it, and I never used it. I am assuming that someone at Citi signed a fake signature to open an account in my name. 
Given that I did not want the bank account, I did not sign for it, and I never used it, I just ignored it. They closed the account for nonpayment of the monthly service fee. Even then, they sent collections after me and did n't leave me alone. I had to make multiple calls to Citibank pointing out that they must have faked my signature since I never agreed to open the account and they were committing fraud.. Finally, Citibank stopped bothering me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX recently added two new collection debts to my report. The service 's in question was service I received on XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX XXXX was the billing agency for XXXX XXXX XXXX at that time. I have a Primary ( XXXX ) and a Secondary ( XXXX XXXX ) insurance provider. XXXX XXXX told me that they billed the secondary as the primary and was not paid. They later billed the correct primary on XX/XX/XXXX and was paid but did not bill the secondary again. I spoke with them and they were correcting their billing mistake and would be contacting XXXX to inform them of their mistake and to update the status with the collection agency. XXXX recently (XX/XX/XXXX ) sent me a settlement offer that i ignored and contacted XXXX XXXX for them to handle. I guess this is why they say there are new collection debts.
The following information is provided for you verification process : XXXX XXXX XXXX XXXX Reference # : XXXX Total Balance : {$420.00} New Collections XX/XX/XXXXCreditor : XX/XX/XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXCreditor : XXXX XXXX XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with a rep ( XXXX ) onXX/XX/XXXX She stated that she would inform their billing department to rework the claim and to bill the secondary provider and that I should check back with them in two weeks, to find out what the status of the claim was.
Your attention to this matter will be greatly appreciated. Please let me know if I can provide you anymore information to assist you with resolving this matter.
Thank You, XXXX
Product: Mortgage

Carrington Mortgage is reporting I was late the month before going into forbearance, which I was not, I was going into forbearance.
Product: Credit card or prepaid card

Hi my us Bankreliacard was locked I Called 100x Times was Told to verify my identity I Did I uploaded document and I was told wait 24-48 hours I have wait 5 days and my card is still on hold
Product: Debt collection

On XXXX XXXX XXXX installed laminate flooring in my home. They told me it was waterproof. They lied. The flooring is not waterproof. It warped, bubbled and banana boated severely even though I never wet-mopped the flooring. I have submitted previous complaints about this same issue but to date, I have not seen any resolution to this matter. The credit card company involved in this matter, Synchrony Bank, stated that they conducted an investigation, however, they did not. All they did was get a letter from XXXX denying all fault. No formal investigation, or any other investigation was ever conducted. This too is a lie. I requested copies of all relevant documentation from the investigation and they could not produce anything except the denial letter from XXXX. XXXX failed to properly install the laminate flooring in my home as well as lying to me about it being waterproof. They were required to bring the laminate flooring to my home to acclimate to the environment prior to installation. They failed to do this. They were required to conduct a moisture test on my concrete floor prior to installation in order to determine what type of moisture barrier was required and they failed to do that. This flooring is the worst I have ever seen. The installation is horrible and I am left with this mess and a {$5500.00} bill plus they are ruining my credit because I refuse to pay for this mess. I need help. I never received any response from you from my prior complaints so I have no idea what happened. They are racking my credit in attempt to force me to pay for this huge mistake sitting in my home. I have requested them to come and take their flooring back. They refuse. They refuse to work with me. They refuse to answer any of my letters. They do not communicate with me.
Product: Checking or savings account

My account was frozen plenty of times when they it was an unauthorized purchase.Dont remember the dates but they can go back thru their records
Product: Checking or savings account

Citizens Bank is my bank for all my financial needs. I have 2 checking accounts, several savings accounts and my first and home equity mortgages as well. I have been a dedicated customer for 23 years. On XX/XX/2021, I transferred {$10000.00} to my checking account from my savings, to make a {$10000.00} payment toward my home equity loan scheduled for XX/XX/XXXX. On XX/XX/XXXX, Citizens One, who handles my home equity loan took 2 {$10000.00} payments instead of one. This created a snowball effect with my checking account, activating my {$2000.00} overdraft protection, and charging {$37.00} per check for other checks that have since cleared ( I see that they have credited my account for 2 fees for a total of {$74.00}. ) I called Citizens One, and they told me they found the error in duplicate payments, and assigned a case number # XXXX. They told me it would take 3 -4 business days to get my money back!! This is a ridiculous solution, as all transactions were done through the same bank..Citizens!!! I tried to access my other accounts through my debit card, and although I still have over {$42000.00} in my savings account, the bank would not let me access my funds, because of the huge overdraft!! I called customer service again in regards to my checking account, and the representative suggested I deposit {$2000.00} for my overdraft protection, so that my other pending checks would be covered, as Citizens Bank refused to rectify my account sooner. ( Their mistake made my account over {$5000.00} overdrawn!! ) This is not just a mistake, it is grand larceny!! I am furious, and more than inconvenienced. I have a contractor doing work in my home and wants to get paid in cash!! This mistake has cost me in so many ways.
Product: Checking or savings account

On XX/XX/XXXX I visited a Bank of America Financial Center at XXXX XXXX XXXX, in XXXX, CA in order to obtain a cashier 's check in the amount of {$540.00}. I have a primary checking account that I use for day-to-day transactions, and a secondary account which I only use to receive rents from rental properties and pay mortgages on those properties. The teller failed to ask me which account to withdraw the funds from, and incorrectly withdrew the funds from my secondary account. She even filled out the withdrawal slip and put the wrong account number on it ( I have a copy and it shows her handwriting ). I signed the slip, not spotting her error ( the account numbers are only one digit apart ). I later discovered that the funds were taken from the wrong account, and this caused the secondary account to be overdrawn as it occurred right as my scheduled mortgage payments were going out. 

Bank of America then proceeded to charge me two {$35.00} overdraft fees because of the teller 's mistake. When I called their customer service department on XX/XX/XXXX, they at first refused to refund the fees and refused to acknowledge their error, and after an hour of phone wrangling, I finally connected with a manager named XXXX located in the XXXX. XXXX Deposits center ( XXXX XXXX ) who was completely unhelpful and blew me off. He stated that because I had signed the slip incorrectly filled out by the teller, it was my fault and therefore they would refund one of the fees for {$35.00} as a 'courtesy ' but not the other {$35.00} fee. I asked him to contact the bank to verify that the teller had mishandled the transaction and he refused. 

On the withdrawal slip I've attached, you can see the teller 's handwriting ( she filled out the entire slip ), which is clearly different from my signature ( the only part I filled out ). 

I should not be charged any fees whatsoever due to the error committed by the bank 's own employee.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.
Product: Bank account or service

I am a beneficiary on my father 's account and CD 's who passed away and owns XXXX CD 's. The bank has cashed in the CD 's and has contacted me on many mistakes they made on distributions. The bank has requested the original distributed money be returned so they can recalculate the correct distribution. I requested the bank provide a full reporting of the total amount of each CD and they have refused. I do n't trust the bank and will not return any monies until I have an understanding of the full amount of each CD. 
Please advise on my rights.
Product: Payday loan, title loan, or personal loan

I received a " Pre-Approved '' offer for a personal loan up to {$50000.00} from Best Egg in XXXX. On XX/XX/20 I decided to check the interest rate on the " Pre-Approved '' loan. I visited the site given in the letter, provided my income & personal information only to be told that they currently have no offers for me. They listed a number of reasons including the old reliable " debt/income ratio ''. I did a live chat with a representative named XXXX & was told that I met " certain criteria '' which caused the offer to be extended. My reply to him was that this is deceptive marketing. To me ( and probably to most consumers ) " Pre-Approved '' means just that. You've already got the loan, you just need to complete the paperwork. Some banks, finance companies & loan companies seem to have a habit of playing fast & loose with terms such as " Pre-Approved '', " Pre-Qualified '' & " Pre-Screened ''. After separating from my now ex-wife I set about repairing my credit & have raised my scores about XXXX points in a year. I recently accepted an offer of a credit card with a well known credit card company who'd been sending me " Pre-Qualified '' offers for months. The reason I finally accepted was that they finally sent me a " Pre-Approved '' offer with an interest rate that was 2 % lower than all the previous " Pre-Qualified '' offers. I note that at the bottom of the Best Egg letter there is a paragraph in much smaller print that characterizes the offer as " Pre-Screened ''. If that had been at the top of the letter in large type I would never have even applied. These terms should have established legal definitions & companies should be penalized for misleading consumers about what they're actually offering.
Product: Credit card or prepaid card

On XX/XX/2023 I got a email from bluebird prepaid card company starting my money was deposited {$1200.00} so I went on my mobile app and signed in as I was looking at my account my money was leaving fast I called the bluebird prepaid card company and asked them why is my money leaving my account and I don't have a card? I was told that I didn't order one I informed them yes I did on XX/XX/2023 and was told that one would be issued in 5-7 business days on this day as they were talking to me inside of correction the problem my money was still leaving my account now I had {$18.00} and at that time they helped me with a money pick to XXXX for {$15.00} dollars because the company charge {$3.00} dollars fee for that in between time I did a dispute on the matter and in less than 45 days it was denied so I reopened it again and once again it was denied why? Because they claim they did a investigation how and it was less than 45 day time frame. I just sent in the paperwork you asked me to do just Yesterday I faxed it and yes we did receive it but the investigation team denied it so I reopened it again I am just tried of this I couldn't pay my rent are other bills right now I am behind on my rent and other bills because of this I called the the bank that they affiliated with I call XXXX money they are also affiliated with and was told that I should have gotten my money returned back to me and that they can do nothing about it they just affiliated with them I call back ask you the supervisors because of the service are rude okay I'll look it up all the main offices in the XXXX they don't even have a corporate telephone number nothing I'm not getting through with the company XXXX number that's on the back of my card at the time it was the car engine in XXXX you know please somebody help me get my money back cuz I feel as though that I'm very being treated very unfairly concerning is I've been with that company for 6 years and never had this problem and now that I have they don't want to refund my money that's against my constitutional rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXXXXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XXXX I received {$2200.00} in payments on Venmo I have an business account so there should be no terms of service violation.The next day on XXXX I was emailed and told my account was frozen and that I needed to upload an current picture ID, I did as asked and waited for further instructions. At 5 a.m. this morning I was emailed and told my account is permanently deactivated and that they will hold my money for 180 days for their protection. Which I know is an lie because it wouldn't take that long for a chargeback to happen this is to gain interest on my money they are wrongfully holding especially if my account is closed that means our relationship is over and they should not be benefitting from my money I should have my money if my account is permanently closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email XX/XX/2021, stating that my email address had changed. I responded when I could in XXXX XXXX  stating that I was locked out of my account and had not changed my email address. Many emails later have been ignored by Experian, which apparently has no functional live customer service department. 

I believe my account has been subjected to identity theft and can not reach the credit reporting agency to address this concern.