23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.
Product: Credit reporting or other personal consumer reports

XXXX @ XXXX! I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Credit reporting or other personal consumer reports

I contacted this credit reporting agency back on XX/XX/year>, with the attached Notice. This notice was informing them that I have attempted to remove the attached items from my credit report after I had contacted the related companies to dispute these items and received NO response to my request to verify these debts. The credit reporting agency has provided no valid response and failed to honor the law and remove these items as required.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX  dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.
Product: Checking or savings account

On XX/XX/ a check was issued to me for a fraud claim denied in error for the amount {$320.00}. I received the check and I intended to deposit it on my current Bank Account ( XXXX XXXX  ). It turns out this check had both of us names on it and Bank wont accept the deposit. It looks like the claim dated back when I had the other checking account number ending on XXXX had my husbands name on account. Then took him off later on when the account number was replaced for the one that ends on XXXX ( latest one ) I took the check to the branch, as adviced, and because I had already written on the back For XXXX Deposit Only they wont accept it either. Ive been on the phone 7 times and from time to time I keep getting thrown around from department to department with no resolution. Im tired of hear - we gon na request the back office to issue a new check or - we gon na call you back. 

I would like to request a check re-issue and if its possible under my name only. 

Im attaching letter and check copies.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the cfpb and this company responded quickly saying that this account would be deleted. However it is now XX/XX/XXXX and it has yet to be deleted from my credit.
Product: Credit reporting

We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding hard inquiries that have appeared on my credit report without my authorization. I appreciate your removal of the other 2 inquiries but I am wondering why you leave the other 2 inquiries that are part of my complaint unattended and were not removed.
Product: Credit reporting or other personal consumer reports

Transunion is showing I am 30 days late on a XXXX XXXX XXXX XXXX credit card account which isnt accurate. I have requested this to be corrected and they havent responded.
Product: Credit reporting or other personal consumer reports

I am writing in reference to my previous dispute regarding fraudulent accounts that remain on my credit report despite my submission of an FTC Identity Theft Report and supporting documentation. Your response stated that these accounts were " verified, '' yet you have failed to provide proper verification as required by federal and state law. 
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA Section 611 ), you are required to provide a " description of the procedure used to determine the accuracy and completeness of the information. '' Your response has failed to satisfy this legal requirement. Therefore, I demand that you provide : The name and contact information of the party who verified the disputed account. 
A copy of the actual documents used to verify the accuracy of the disputed account. 
The specific method and procedures used during the verification process. 
Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Section 623 ), furnishers of information must ensure that the information they report is accurate. If the furnisher can not provide proper documentation proving the legitimacy of this account, it must be removed immediately.

Additionally, under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ), credit reporting agencies must maintain maximum possible accuracy in credit reports. If you can not demonstrate that this account was verified with proper documentation, you are in direct violation of federal law. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX  Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 


Please consider this my request for proper verification. If I do not receive a satisfactory response within 15 days, I will escalate this matter through legal channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; CXXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX 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

I wanted to order a credit report with Equifax. They only offer an ongoing service that charges your credit card every month but they say you can cancel at any time. What they do n't tell you is that you ca n't cancel online and you have to call so they can try to talk you out of cancelling. I think that ANY company that allows you to order a product online that is subscription based should be REQUIRED to allow you to easily cancel online.
Product: Credit card

I received an email from the bank this afternoon that there was a CARD NOT PRESENT TRANSACTION made on my account today. Both the merchant 's name and location were identified only with a code of letters and/or numbers, impossible to determine who or where the merchant is. I have not used my credit card, not ordered or purchased anything, for the past two weeks. I logged in to my account, clicked report fraud several times but the bank 's website would not open to a new page. I then tried to send an online message to the bank also several times, but appeared " ERROR Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. '' There is nothing to click on the bank 's website to dispute a charge.
Product: Mortgage

For 4 years, paid my mortgage though automatic transfer from my TD BANK checking account to my mortgage that is also with TD BANK. 

My payment is deducted on the XXXX  of every month. The account had suffcient funds available. 

On XX/XX/2018 the automatic transfer was attempted, and was rejected from TD BANK to TD BANK. They simply left the account unpaid, with no attempt at notification. No phone call, no letter, then they went back to deducting payments on XX/XX/2018. 

The payment shows up in my transfer history. They reported me as having a late payment to the credit bureau by over 45 days, They admit that their system rejected the payment, that the error was on their end, and they refunded the late fee. However they refuse to correct the credit mark. 

I have made payments in excess of my required payments, more than enough to cover the payment that they claim was missed due to their error - however they refuse to correct the credit mark.
Product: Debt collection

XXXX Reporting inaccurate information on my credit report about debt. I told them I was incarcerated at the time this happened.
Product: Credit reporting or other personal consumer reports

I have disputed negative inaccurate debt collection information on my Experian consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and Experian has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, Experian has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes Experian has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to XXXX and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying XXXX times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that Experian is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of Experian.
Product: Checking or savings account

On XX/XX/2019 I received notification from Comerica Bank that my Comerica HealthReserve HSA account would be moved to XXXX XXXX   unless I sent a transfer request Comerica c/o HSA Transition XXXX XXXX XXXX XXXX XXXX, FL XXXX before XX/XX/XXXX, XXXX.The request was mailed from my new HSA Trustee/Custodian XXXX XXXX XXXX XXXX on XX/XX/2019. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX called me to indicate the request was returned from the US Postal Service as un-deliverable. On XX/XX/2019 I called Comerica c/o HSA Transition contact number XXXX. Upon calling the number it gave a new number for XXXX XXXX. I called XXXX XXXX and was told I must sign their forms and pay their fees. 

I would request that my HSA funds be submitted to XXXX XXXX XXXX XXXX as soon as possible without any additional fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Transunion XXXX XXXX XXXX  XXXX, PA XXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR 1099-C AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS Form 1099-C ( Cancellation of Debt ).

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting.

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form 1099-C for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office California Department of Justice, Consumer Financial Protection Bureau
Product: Checking or savings account

XX/XX/XXXXI have notified this bank to stop all debits from this recurring XXXX fee, they did not. 
XX/XX/XXXX - I have notified this bank to stop all debits from credit matters, they did not. This is the direct result of my negative balance. Then they hit me with a monthly maintenance fee, which took another {$37.00} nsf fee..ridiculous. I also moved out of state and where deposits are hard to make since their system does not allow any kind of online payment/deposits. When I called customer services the representative could not help and I asked to speak with a manager and she says I am the manager and we do not reverse any kind of fees. And now my account is being closed and feel like I am a victim of bad business banking. I would like the 4 {$37.00} fees totaling {$140.00} refunded and I will pay the difference and they can close this account as I will never use this financial institution again for any services. Thank you
Product: Debt collection

This account was removed from my XXXX credit report for being account that are double billed with the intention of fraud.
Product: Bank account or service

I am assisting XXXX who had an account with XXXX in 1985 which she had forgotten about. Recently she came across a copy of a statement made several calls to be told that the account was taken over by Wells Fargo or sent to unclaimed funds. I have tried to track this down but am not getting very far. The account name was in XXXX name XXXX for XXXX. The address at that time was XXXX account # was XXXX XXXX XXXX XXXX. The last XXXX of her SS # XXXX. I would greatly appreciate any guidance you can provide as she is a XXXX that could certainly use the extra monies. 
I can be reached at XXXX XXXX. XXXX now resides in XXXX she can be reached at XXXX. My e mail is XXXX. Thanking you in advance. 
Sincerely, XXXX