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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

Opportunity to cure Default Final Notice PURSUANT 15 USC 6802 ( B ) i am living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING XXXX XXXX bank # XXXX # XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by someone alleging to be " Jefferson Capital Systems , LLC '' They were asking me for personal information over the phone, such as the last 4 of my SSN and my date of birth, both of which I refused to give over the phone to a complete stranger. I gave them a valid United States address that they could send a letter to. They said that this address did not match the one they had on file and they could not update it and send it there. They again rudely insisted that I provide sensitive information, such as the last 4 of my SSN and my Date of Birth, I refused to do this because I am not comfortable providing this information to an unverified source and/or to someone I do not know or trust. They would not provide me with information regarding my " personal business matter '' though I asked them several times and gave them an opportunity to mail a letter containing information about this matter to my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB ; CRA 'S ; BANK OF AMERICA ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  I Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. The account was not opened by me and I do not recognize it or the name. Please remove the fraudulent account from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , XXXX where I used to live before ). I have been in state of XXXX  since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.govXXXXXXXX, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
Product: Consumer Loan

I have an auto loan with XXXX XXXX Bank, not by my choice, this was the bank the dealership dealt with when I purchased my car. I have been paying on this loan, on time with exact payment needed each month, for over a year. Since the recent issue with XXXX XXXX, I decided I would like to refinance my loan through another bank. I found, what I thought was a " reputable bank '' to assist in this matter. I decided to attempt to refinance my loan through Fifth Third Bank, as they had a special of three months deferred monthly payments, which would have helped me immensely, since I am on a limited income of social security XXXX. The banker I dealt with is at the location of XXXX XXXX, XXXX, XXXX. named XXXX. I do not have his last name, but would be able to get it if needed. 
When we reviewed the load refinance, the day I was there with him, he informed me I may be able to get a lower interest rate also. That was last week. Again, at the time, he ran my credit and stated that I have a credit score of XXXX, which not only allows me to be approved, but also will lower my interest rate. 
I received a message from XXXX last Friday, XXXX, to return a call. He did not state on the message that it was urgent, so I did not have a chance to return the call until Monday. When I returned the call, I had to leave a message for XXXX, another back employee, as I was then told that XXXX was on vacation this week. I was playing telephone tag with XXXX, who left me a message on Tuesday that my loan HAD NOT been approved. I was shocked, as I actually saw paperwork that showed I WAS APPROVED while in XXXX office. I could not reach XXXX to speak with her directly until I tried to reach her several times on Wednesday, XXXX. At the last time I tried to reach her on this date, I again spoke with another bank teller, XXXX, who told me she left to go home early today. So I told him I needed to speak with SOMEONE TODAY. He then directed me to XXXX, who informed me that my loan has been denied, for various reason, NEVER EXPLAINED TO ME PREVIOUSLY. XXXX was quite rude, stating she was, " only trying to help me. '' I told her maybe I was being rude but I did not appreciate being told one thing and then something else entirely different the next time. She apologized, and said " the loan is not done until all the paperwork is signed. '' I told her I DID SIGN PAPERWORK WHICH WAS SUPPOSED TO BE THE FINALIZATION OF THE LOAN. 
I guess no bank is worth trusting any longer. I had a home loan with XXXX, who was supposed to help those of us who had financial problems in 2008, attempting the HARP loan 3 times without success!! That was just a big farce. Now I have an auto loan with XXXX XXXX and we all know the corruption of that bank! I have my banking with XXXX, never had a problem with them, if they do something I will be XXXX for XXXX with all the big banks, NOT TO MENTION THIS ISSUE WITH A BANK I never heard of. I hope you will do all you can to assist me in this matter. Sincerely, XXXX XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Inaccurate Information on Credit Report and Lack of Updates from Credit Karma **To Whom It May Concern : ** I am writing to file a formal complaint against Credit Karma regarding the inaccurate information being reported on my consumer report and their failure to update it with the latest information from XXXX. 

I have noticed discrepancies in the information presented on my Credit Karma report compared to the official reports from XXXX. Specifically, my Credit Karma report shows collections thats been removed years now, incorrect payment history, and other inaccuracies that do not reflect my current credit situation. This account hasnt been updated since XX/XX/year>. I have contacted Credit Karma multiple times to address these issues and requested that they update their report to match the latest data provided by XXXX. Despite my efforts, these inaccuracies persist, and no updates have been made. 

The outdated and incorrect information on my Credit Karma report has negatively impacted my ability to obtain credit and has caused unnecessary stress and inconvenience. As a consumer, I rely on these reports to manage my financial health, and it is unacceptable that Credit Karma is not providing accurate and up-to-date information. 

I am requesting that the CFPB take immediate action to ensure that Credit Karma updates my report with the correct information from XXXX and that they adhere to their obligations to provide accurate consumer reports. 

Thank you for your attention to matter
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Payday loan, title loan, or personal loan

My accounts at.XXXX XXXX  has been hacked into and someone had managed to open a XXXX  dollar loan from lend up as I was rebuilding credit. The XXXX  went into XXXX  account where immediately XXXX  issued a XXXX  dollar loan. I filed an Ic3 report at that time and have no response. However lend up has frozen the account
Product: Bank account or service

I XXXX XXXX XXXX wrote a check # XXXX to JP Morgan Chase for my mortgage loan - account # XXXX in the amount of XXXX which has been my mortgage payment for several years and mailed the check on XXXX/XXXX/16. JP Morgan Chase withdraw the check from my account in the amount of {$1500.00} on XXXX which resulted in a overdraft fee of {$70.00}. I spoke to XXXX at Chase who reported that the balance of {$240.00} was applied to the principle of the loan. I asked her who authorized chase to withdraw more than the check was written for. XXXX than transferred the call to XXXX in the payment research department at chase who admitted it was JP Morgan Chase mistake and stated the {$240.00} would be refiunded to me in 1-2 days. I did not receive the {$240.00} refund to date. I also informed XXXX I was charged an overdraft fee from my bank XXXX. XXXX told me to fax a copy of my statement with the amount of the overdraft fee to JP Morgan Chase Payment Research Department. I attempted to fax the statement to the Fax # he provided multiple times and the fax did not go through to the # XXXX provided. I called JP Morgan Chase and spoke to XXXX who provided me another # to fax the statement. That number transmitted my statement. Chase withdraw the incorrect amount of the check from my account but it is taking me the consumer more than the 2 days to receive my refund and overdraft back into my account. I called Chase again on XXXX/XXXX/16 and spoke to XXXX and then XXXX to inquiry what happened to my refund. I was told the refund was mailed XXXX/XXXX/16. I also requested a copy of my paper check at which I was placed on hold for XXXX min awaiting them to locate a copy of my paper check. I was told the check was located and a copy will be mailed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company " Equitable Acceptance Corporation ( EAC ) '' associated with " XXXX XXXX '' is believed to be operating a fraudulent company in which has obtained sensitive information from me as well as my child. Upon discussing loan details with them, it was mentioned that they would have forgiven my loans after 3 years of paying {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. I am aware that Loan Consolidation can be done by myself without further payments so it would not make since for me to pay them for simply applying paperwork. The information on the contract is incorrect and the information in which the XXXX XXXX for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon my son contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. Also, when viewing their webpage, their " Privacy Policy '' will not display as if they do not have one. This was a Red Flag to me. This company consciously obtained my information to commit fraudulent acts and have now attacked my credit history with an account that was opened on false pretenses. The account in which they ran against my credit is not addressed as a loan, it is addressed as a credit card. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. It has gone as far as the company falsifying information on the contract. In attempts to call and cancel with the student advisor of EAC, no one ever answers. However, when receiving calls from them, they harass you. I am a mother who helped my son through college, with another child still to complete college. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE UNSUBSCRIBE ME! 

you don't have an unsubscribe on your email- i do not wish to receive mail from you, or to have an active account with Skrill! 

thank youXXXX XXXX XXXX
Product: Bank account or service

I opened a CitiBank XXXX Savings account with {$25000.00} on XXXX/XXXX/XXXX with new money to Citi. I opened the account under a special offer, which states that I will receive a {$300.00} cash bonus as long as the money is deposited between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The deposit should also be maintained until XXXX/XXXX/XXXX. I met this requirement and kept the funds in the account until XXXX/XXXX/XXXX. After not receiving the funds, I opened a case with Citi on XXXX/XXXX/XXXX. The case number is XXXX. Since opening the case, I 've also spoken to several people who have been unable to help me. I 've spoken with XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, and XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. I do have screen shots of the account opening disclosures indicating the bonus has been added to the account and the terms and conditions. I have received very poor service from Citi. They have been unwilling to help me. They have also suggest going into a branch, which is impossible since there are none located in Ohio. I would like my account credited the {$300.00} that 's due to me.
Product: Checking or savings account

my 401k account was closed at Newport bank in 2022, however their file was with the incorrect address, someone else transfer my 401k money to XXXX XXXX. the issue here is how the company accept to transfer money for other account when the name is not matching
Product: Mortgage

We have applied for a loan modification because our income has changed. I submitted all of the documents and then call and they would inform me they need another document. Id send the document requested call back and they would tell me they need another document they didnt inform me of during the last document request. They carry on in this manner until the documents submitted are outdated. I finally received an answer after submitting documents twice and they told me I wasnt eligible for a loan modification because I had the lowest interest rate possible at the time and I wasnt 3 months behind. Since then Ive started the process again and its the same cycle. They say Ocwen is where they help customers but they are not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than a month has already passed by and the Equifax Credit Bureau have yet to respod to my letters. The last letter I sent to the Equifax was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. Since then, I never received anything in return from Equifax. On my letter, I requested that the Equifax provide me proofs of validation or documents bearing my Signature to prove the their claims that the disputed items belong to me and yet they have sent me nothing! I have read that the Credit Bureaus are requried to remove any accounts and informatio resulting from the theft of a consumer 's Identity under the Provisions of the FCRA section 605b. I have read enough to understand my rights and it is clear the Equifax 's wiillful non-compliance of the FCRA statute is a violation of my rights. If the Credit Bureaus can not prove the items ' authenticity, I need the Credit Bureaus to remove the items from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

A man came to fix my furnace. He told me to pay him advance for the services, he said he would buy the part and then return to my home to fix my appliance. I paid him through XXXX XXXX. The man never returned- it seems now that the man has run this scam on others before. I paid him {$120.00}. My house was cold, I found the part myself, I fixed my furnace myself. I was assured by Bank Of America that I could submit a claim and my money would be recovered. Bank Of America waited 90 days to tell me my claim was denied. I submitted proof that the man never fixed my furnace again, Bank Of America waited another 90 days to tell me this second claim was denied. BOA says XXXX XXXX is a third party and they can't recover the money through them, it can only be recovered from a vendor. By now, XXXX XXXX has most likely considered my claim too outdated to consider. The man has scammed me, Bank of America wasted my time and XXXX XXXX considers the claim too old to investigate. 

The learning lesson is to not pay people in advance for work. Also beware that Bank Of America will not always refund your money as they say ( you are not always guaranteed through BOA ) and XXXX XXXX will not work in favor of the buyer.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2022 at XXXX XXXX I received a text from a Bank of America number that my account was flagged for suspicious activity and someone was attempting to use my XXXX to take out {$3500.00}. They asked if I authorized this, to which I responded NO. 
Within 5-10 seconds, my phone rang and the caller ID & number stated bank of America XXXX They advised me someone was attempting to take funds from my account but theyd cancel the transaction.

They advised me not

to give out any personal information and theyd verify me using a one time pin code. They texted me and I gave it to them. I woke up this morning and the funds were gone from my account.