23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PROFESSIONAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, OR XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with XXXX that had been sold to Mel S. Harris and Associates in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from the mid XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to XXXX yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. XXXX is to a court for an unrelated incident. If that check bounces because of this I will probably have a XXXX for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just XXXX with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX credit hours of collage classes. As I am typing this I am missing work. I work in the XXXX industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from Mel S. Harris. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( block , inc ) due to the inadequate customer service and unfair practices, which violates the Consumers Financial Protection Act ( CFPA ). Cashapp failed to take timely ans effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive ; as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied on XX/XX/XXXX18 for a payday loan with XXXX of ohio. i was approved for XXXX dollars but later the same day i returned the money and cancelled the loan because i changed my mind i signed paperwork stating the loan was cancelled. i returned today XX/XX/XXXX18 to receive a new loan because i wanted to pay off the new loan on XX/XX/XXXX2018 and the old loan would not let me go out that far. when i went in to the store i was told that i didn't need to reapply because they still had my information from last week. all i had to do was provide a new copy of my bank statement with the last 30 days of activity on it which i did. the woman then states i was declined this time because they have just changed their underwriting process. i had no idea that they would pull another credit report from a agency called XXXX XXXX. i did not sign or give consent to have any credit report pulled today but they did it anyway. the woman in the store said nothing to me about this. i was given an adverse action letter but when i called the number it was XXXX corporate office and they would tell me nothing but i spoke to the district manager and was told they used my original application to run my credit again. i spoke to her on the phone last week and she stated all i had to do was provide a new bank statement. i believe that this company has violated the fair credit act because they ran my credit today without my consent they also threatened to misuse my personal information if i kept calling them to find out why i was declined .. this company is shady at best and i believe they misuse personal information and XXXX XXXX purchases this information from them to use improperly
Product: Checking or savings account

Frost bank called me today... I talked to a lady name XXXX she said someone opened up an account with my name online... I told her it was not me she said she kind of figured that..She told me she will close the account..And she gave me this website to file a compliant..She didn't give me the date or the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and XXXX to remove this inaccuracy from the credit reports
Product: Credit reporting or other personal consumer reports

I requested that the information on the credit report be removed because it was inaccurate, incomplete and included errors. The company responded with documentation that the amount due balance was {$0.00}. 

The account erroneously was reported as past due for incorrect months, then now shows a charge off. I am attaching the documents I recently sent to the company demanding the removal with a list of the FDCPA and FCRA violations and an invoice given their willful noncompliance. I am attaching those documents to this complaint. 

This is the content of the violations : Inaccuracies in Your Response : 1. Inaccurate Balance Reporting : You stated my balance is XXXX however the account history document you provided shows the amount due as XXXX. This discrepancy constitutes inaccurate reporting and violates 15 U.S. Code 1681s-2 ( a ) ( 1 ), which mandates that creditors provide accurate information to credit agencies. ( 3 violations XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} ) ) 2. Failure to Provide Accurate Account Information : The company has violated the Truth in Lending Act ( TILA ) by providing inconsistent and misleading information in debt validation documents, as the calculations presented do not match the terms outlined in the original contract. Specifically, the assertion that the amount due is {$0.00} contradicts the reported balance, violating 15 U.S.C. 1632 and possibly 15 U.S.C. 1638, which require clear and accurate communication of the terms and amounts owed to the consumer. ( {$1000.00} x 1 violation = {$1000.00} ) 3. Inaccurate Late Payment Documentation : You indicated there have been several delinquent payments, yet the reporting to XXXX reflects a variety of delinquency errors, clearly showing that the reporting is inaccurate based on your own documentation. ( 3 violations x $ XXXX $ XXXX $ XXXX {$3000.00} ) 4. Willful Noncompliance : Your failure to remove the erroneous charge-off from my credit report, despite my prior disputes, constitutes willful noncompliance under 15 U.S. Code 1681n. ( 2 violations x $ XXXX $ XXXX {$2000.00} ) 5. Negligent Investigation : Under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation into my disputes. The debt is no longer valid and has been charged off ; your inaction perpetuates misleading information regarding my credit profile. ( 2 violations x $ XXXX $ XXXX {$2000.00} )
Product: Credit reporting or other personal consumer reports

I am writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX ' claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, Equifax, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.
Product: Mortgage

In late XXXX, I began the process of refinancing my home loan with Mr. Cooper ( my current loan is also with them, as I was hoping for a more streamlined process since I was already a customer ). 

After Mr. Cooper drug their feet about getting the process complete, we finally make it to closing day on XX/XX/XXXX. Mind you I had had little to no contact with my " Loan Processor '' at Mr. Cooper regarding any issues, updates, etc. at this point in time. For some unknown reason, the closing is canceled and I only find out through the notary who was set to come witness the signing. Mr. Cooper DID NOT contact me and advise me of the change, and only after several phone calls did I finally receive an answer from them. Something about some paperwork issue. 

The signing was rescheduled for the following day, XX/XX/XXXX. After the closing I was told by Mr. Cooper ( only after me attempting to establish contact first, and after several tries ) that the funds were to be dispersed to pay off the old loan by XX/XX/XXXX or XX/XX/XXXX. Both days went by and I had zero contact from my " Loan Processor ''. 

After 6 phone calls placed from me on XX/XX/XXXX and XX/XX/XXXX to my " Loan Processor '' and also to her supervisor, then her supervisor 's supervisor, I finally got someone to talk to me. Apparently a single date was incorrect so the signing had to be done again. I was also being charged late fees for my current loan, and was being contacted by the automated calling system of Mr. Cooper to make a payment. 

My " Loan Processor '' said on a recorded line that I will not need to make a payment for XXXX or XXXX on my current loan, but also stated that she would refuse to produce any document that stated I was not responsible for the late fees accrued due to Mr. Cooper 's mistake with the paperwork. 

The closing was once again moved, to XX/XX/XXXX in XXXX via a mobile notary. The paperwork was signed, and I was assessed a fee of about {$75.00} that was not disclosed ( it was listed in the disclosures but was not labeled as to what it was, just an errant extra charge ), and I tried to contact Mr. Cooper about why there was this fee, and they have refused to return my phone calls or emails since XX/XX/XXXX. I was told by my " Loan Processor '' that I was to receive some sort of lender credit and as such would not be paying anything out of pocket on closing day. Funds dispersment date was supposed to be XX/XX/XXXX but I have had no contact with Mr. Cooper regarding the matter. 

I did not get the late fees removed from my current loan my " Loan Processor '', and I have attempted to contact my " Loan Processor '' but she is out of the office until XX/XX/XXXX according to her autoreply email. 

I would like to know why Mr. Cooper has essentially refused to communicate with a current customer, lied about charges, not properly disclosed reason for charges, and what they are doing to improve and resolve the situation.
Product: Debt collection

Bank oF America Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from Bank of America to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to BOFA ( Bank Of America customer Service ) regards to my Credit card and they said my credit card was on collection company name XXXX XXXX, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by BOFA. I try to contact BOFA Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

Request to Investigate and Remove Inaccurate Credit Report Items under FCRA and U.S. Consumer Laws Details of the Complaint : I, XXXX XXXX, am filing this complaint to request an investigation into the accuracy and legality of the reporting of the following accounts on my credit report. These accounts contain late payment and/or charge-off entries that are potentially inaccurate and/or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Buying Act ( FDBA ), and applicable U.S. codes to request a thorough review of these matters. 

The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Late Payments and Charge-Off ) Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Bank Account Number : XXXX I believe the information reported by these creditors is inaccurate, incomplete, and/or unverifiable. I have previously disputed these entries with the credit reporting agencies but have not received adequate responses or resolution.

Request for Resolution : Remove all late payments and/or charge-offs associated with these accounts permanently. 
Provide documentation verifying the accuracy of the reported information. 
Confirm compliance with FCRA, FDBA, and applicable U.S. codes in the reporting of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Experian regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information to Experian. Through XXXX 's " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file ( Bankruptcy Case # XXXX ). 

I later submitted this same information to Experian for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Experian ). I need copies of the documents you claim to use to verify for review only.
Product: Credit reporting or other personal consumer reports

Identity theft is a serious crime that can have far-reaching consequences for its victims, both financially and emotionally. I have taken all necessary steps to address the fraudulent accounts and activities that have affected my credit report. I have also reported this incident to the proper authorities and have cooperated fully in their investigations. The denial of my identity theft claims is a matter of great concern to me. I believe that the evidence and documentation I have provided clearly demonstrate the presence of fraudulent accounts and activities on my credit report. I have taken all necessary steps to rectify the damages caused by the identity theft, and I am dedicated to ensuring that my credit report accurately reflects my financial history. The presence of these fraudulent accounts is causing me severe distress, affecting my ability to obtain credit, and potentially leading to further financial harm. Here is the account that I need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My cash app account has been closed for non descriptive reasons.the only answer I have received from them was I violated some terms of the app however they did not specify what those terms were.i filed my taxes through the app in XXXX XXXX never received my tax return and after my cash app was shutdown I could no longer have access to see what happened to my tax return.i can still log onto the app however it does not provide me with the information I am looking for as far as my tax return information.cash app does not provide the information to let you know what terms was violated.its very frustrating when you need your tax information from a place that has no customer service provider or number other than chatbots of the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am sending a complaint today 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 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 disputed this account with Quality Asset Recovery on XX/XX/2019. The company failed to respond, and never responded. I sent them a follow up letter of their default on XX/XX/2019. Again the company failed to respond and the items were removed and deleted as per section 609. The company has re reported this negative item on my credit file on XX/XX/2019while I am looking for a home. This will eventually result in my homelessness and I am going to take action in the court. I can sue {$1000.00} and up, per item per reporting. I also receive calls all day every day and have finally found the culprit behind these calls. That is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times thru credit bureaus to remove Self Financial as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. 
I have contacted Self Financial, at great difficulty as the calls go to the XXXX XXXX XXXX, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting Self to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. 
I am told this company is termed a " XXXX XXXX Account ''. My credit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. 
The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. 
Please see all my attached documentation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.