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

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX  : Account number : XXXX  XXXX, This account is unfamliar to me. Remove this account ASAP. 

XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

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

Here 's a complaint letter you can send to the Consumer Financial Protection Bureau ( CFPB ) regarding the issues you've encountered with Bank of America : -- - [ Your Name ] [ Your Address ] [ City, State, I am writing to file a formal complaint against Bank of America regarding several unresolved issues with my account that was recently closed without proper documentation, as well My account with Bank of America was closed recently, but I have not been provided with any formal documentation explaining why this closure occurred. Despite several attempts to contact customer service, I have not received clear answers or any credible information regarding the closure of my account or the status of my funds. Furthermore, I have been unable to access my account online due to technical issues with the banks website, preventing me from viewing transaction history, deposits, and withdrawals. This lack of transparency has caused significant distress and financial inconvenience. 

Customer Service Issues I have contacted Bank of Americas customer service multiple times to resolve this issue, but I have encountered conflicting information and no resolution. No representative has been able to provide adequate documentation or a satisfactory explanation regarding the closure of my account or the transactions that have occurred. I have also been told that there is no further assistance that can be offered, which I find unacceptable.

Missing Account Documentation I have requested a detailed statement outlining all transactions and the reason for the account closure, but Bank of America has not provided this information. This lack of documentation has left me in a position where I am unable to verify the status of my funds or understand the reasons behind the actions taken on my account.

Request for Immediate Resolution I am requesting that the Consumer Financial Protection Bureau investigate Bank of Americas practices regarding the closure of my account and the failure to provide documentation. Additionally, I would appreciate your assistance in ensuring that the bank complies with its legal obligations to provide clear, accessible, and accurate information regarding my account.

This situation has caused significant stress, financial hardship, and confusion, and I am seeking a resolution to ensure that my account is properly closed with all necessary documentation and that I receive the assistance I need to resolve this issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

My checking account and debit card were used without my permission. XXXX XXXX XXXX  XXXX, my phone and cards were taken away from me. Someone proceeded to use my digital wallet and card. I reported the unauthorized use to the card company and they provided temporary credits. The company took the credit away even though I reported to the company that I didnt have access to my account or card because it was stolen. When I got access to my account I noticed the charges and immediately reported them. I couldnt go anywhere I was XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$480.00} ( fraudulent ) XXXX XXXX : {$920.00} ( fraudulent ) Security Finance : {$400.00} ( fraudulent ) Has taken my credit score below average and affecting a lot.
Product: Credit reporting or other personal consumer reports

I am writing to address a late payment charge on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section XXXX ( b ), is sent to the consumer a minimum of 21 days prior to the due date. 

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I just recieved a currant credit report dated XX/XX/20 I noticed on page10 of 12 that the last 4 of my social security number is wrong and doesnt belong to me. the last 4 that they have on this report are XXXX my last 4 are XXXX. The next item that is wrong isthe phone number I have never had the phone number XXXX as a residential number. I also noticed under notices it says " This address has pertained to a buisness : XXXX XXXX XXXX XXXX, Wv XXXX '' This probably is a buisness address but it isn't my address. My address is XXXX XXXX XXXX XXXX, Wv XXXX. So my address is XXXX XXXX not XXXX XXXX. 
There are 3 whole pages of people that have checked my credit or whoever the last four numbers XXXX of thier social and I dont remember authorizing all of these individuals the right to check my credit for all the resons stated, if at all possible I would like these removed since I did not authorize all of these buisnesses to check my credit or whoever the XXXX belongs to, maybe it was thier credit getting checked that much.
Product: Debt collection

I have called Holloway Credit Solutions, LLC twice now to inform them that I have paid a debt that it is attempting to collect. I called first in XX/XX/XXXX. I have proof of payment that was paid in XXXX of XXXX. Holloway Credit Solutions has continued to harass me about the debt. I called again today, XX/XX/XXXX. I again presented evidence that the payment was made. I have the statement from my HSA debit card to the provider for the exact amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANT/WEB BANK in conjunction with XXXX, XXXX and XXXX are violating my consumer rights and the FCRA Laws. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

**Subject : Formal Dispute and Demand for Immediate Resolution of Unauthorized Asset Transfer Under UCC** To Whom It May Concern at XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX and LVNV Funding LLC : I am writing to formally dispute the unauthorized transfer of my alleged assets to Resurgent Capital Services and LVNV Funding LLC XXXX At no time have I entered into a contractual agreement with your entities, nor have I provided consent for such actions. This constitutes a violation of **UCC 1-103** ( obligation of good faith ) and **UCC 1-308** ( reservation of rights ), as your claims lack lawful authority and factual basis.

This unilateral action has caused financial harm to my principal account, violating **UCC 3-501** ( presentment and dishonor ) and **UCC 3-305** ( defenses against holders in due course ). I hereby explicitly state that I **do not consent** to these proceedings and demand the following under applicable UCC provisions : 1. **Immediate Return of Assets** - Under **UCC 2-201** ( Statute of Frauds ), no enforceable contract exists without written agreement.

- **UCC 9-625** entitles me to damages for unauthorized disposition of collateral.

- Return all assets to their original status and cease all claims.

2. **Full Accounting Disclosure** - **UCC 9-210** mandates a detailed accounting of obligations and collateral upon debtor request. 
- Provide a complete, itemized breakdown of transactions, fees, and charges within 10 business days.

3. **Validation of Assignment** - **UCC 9-406** and ** 9-408** require valid proof of assignment to enforce claims.

- Furnish a copy of the legally enforceable assignment agreement, including chain of title under **UCC 9-613** and ** 9-614** ( contents of notices ).

**Cease and Desist Directive** : Per **UCC 1-207** ( now 1-308 ), I reserve all rights and demand an immediate halt to all communication and collection efforts until full compliance with the above.

**Legal Notice** : Failure to resolve this matter within 10 business days will compel me to pursue remedies under **UCC 3-305** ( defenses against enforcement ) and ** XXXX ( civil penalties for noncompliance ). 

Sincerely, /s/XXXX XXXX XXXX XXXX 
XXXX [ Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Much XXXX, XXXX XXXX
Product: Credit card

Bank of America notified us of fraudulent activity of a balance transfer trying to go through on our credit card. They stopped this transfer. At the same time we noticed another balance transfer of XXXX. That went though just a few days prior to t XXXX XXXX XXXX XXXX. We appealed this balance transfer twice. BOA said that our names matched the account at XXXX XXXX. I called XXXX XXXX and they had no accounts matching with our DOB, address or SS number. They could not tell me if there was an account with our names on it. World wide credit union. We did not do this balance transfer
Product: Checking or savings account

On XX/XX/24 I purchased air fryer basket on XXXX charging {$11.00} to bank debit card ending in XXXX. Seller never shipped, so on XX/XX/24 I filed bank dispute # XXXX with fax proving dispute should be closed in my favor with refund. Today XX/XX/24 phone rep, refused to transfer to supervisor to process any offer of hardship credit implying bias relationship with seller. An illusion of consumer protection is just that, an illusion.
Product: Mortgage

I filed for Chapter XXXX in XXXX. My XXXX mortgage with Well Fargo ( WF ) was charged off $ $ XXXXXXXX.They indicate that we should call them. In XXXX XXXX, XXXX I was offered XXXX settlement plans.by XXXX and XXXX:1- {$40000.00} immediate payment2- {$47000.00} XXXX months3- {$54000.00} 60 months, payments $ XXXXXXXXThese payments were arranged by automatic withdrawal. WF indicated we would have to reset up payment every XXXX months. I requested numerous times for a written document of the settlement. WF indicated it was in my account file, not to worry. 
We pain until XXXX XXXX when XXXX indicated they could not authorize automatic withdrawals. 
I finally spoke to XXXX today XXXX XXXX, XXXX and she gave me XXXX different answers:1- no settlement on file2- Settlement is void, due to missed paymentsI have been trying to pay WF and they have declined setting up automatic withdrawals.
Product: Debt collection

I am getting called on my home line an under a name that is not mine. The company is using my first name but has an incorrect last name. Furthermore, I have no debt owed aside from student loan debt, which are in good standing. 

Premier Recovery Service calls my phone each and everyday. When I answer, the person says they have legal documents they are about to serve me. The message is an automated system and there is no way for me to speak to a representative. I can not get them to stop calling. 

I do not owe anyone any debt of any sort, other than student loans, which again, are in fine standing.
Product: Checking or savings account

On XXXX XXXX my bank account with Capital one Bank was closed WITHOUT ANY PRIOR NOTICE that I was being investigated and in jeopardy of having my account closed. They tell me that the sent a email on XX/XX/XXXX but I did not receive any email from them regarding this matter. 
I was a member of this bank for over 15 years and am very upset at this happened. I am more upset of the lack of care and notice that was given to me. I am a retiree who only receives a monthly check that does not fulfill all of my monthly cost. With the way that this matter was handled by Capital one I was unable to pay my XXXX bills nor purchase food. I know that I will eventually receive my funds, but Capital one has blocked me from my money until they mail it to me and can not give me any indication of when that will be. This in inhuman. I have done nothing wrong but I am being treated as nobody. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has made me feel extremely violated. 
I am not sure what can be done, but I needed to report this treatment. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies in my credit report, specifically regarding multiple requests to correct late open attempts, late closed accounts, and an inaccurate charge-off status. These inaccuracies have had a detrimental impact on my creditworthiness and financial standing, and I am requesting your immediate attention and assistance in rectifying these issues. 

Below, I have outlined the specific inaccuracies that require your prompt resolution for correction and removal : XXXX XXXX XXXX  Balance Owed : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX Balance Owed : {$710.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

I have attached copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, account statements, or proof of timely payments ]. 

I request that you take the following actions promptly : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to address these issues in accordance with the Fair Credit Reporting Act ( FCRA ) can result in legal consequences. I trust that your company will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Debt collection

I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.