23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi Dear. I have a Problem with Bank of America because in XX/XX/24 they Cashed/ Deposit a Check from my Business Account for the Amount of {$12000.00} the check was a Fake and the Signature and I notice in XX/XX/24 and I try to Solve this Problem with Them but the Refuse to Refund the money. The Excuse they Give me is because I Take Long time to Report. But Last Year We had Very Bad Situacion with My Wife in the XXXX and I Have all Medical Records and I send to Them but I Don't Think They Don't think They Even Read It, Because they Denied in the Second Day. Was About 50 Pages. 
Also the Day is Marked in the Check my Wife Was in the XXXX and this Situation Its Causing Us XXXX. We Work So Hard and We Trust to Put Our Money in the Bank and Its Unbelievable How the Bank Of America Did this Transaction with Fake Check and Signature. 
I Really Appreciated Any Help. 
Thank You XXXX XXXX
Product: Debt collection

I was reviewing my files on my credit report and I discovered XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have never given this company permission to have access to any of my personal medical records. I never received any medical services from this company. I would like to know how any of my HIPAA Act protected information was released and I would REQUEST a copy of any signed documentation approving this release of records! I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report. XXXX XXXX Acct XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this ad on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting or other personal consumer reports

I'm writing you today to dispute negativity on my credit report. In the statue I noticed you require a documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this reports in my letter to help substantiate my claim. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$35000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May concern Pulling my credit report this week I noticed on my credit report, you ( experian ) have reported a charge off, which is that has been discharged. and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a 1099-c so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form 3949a, Reporting Illegal Tax Violations Against Your Business. The Account Name isXXXX XXXX XXXX account # XXXX, I'm pretty sure your CEO or VP doesn't want to go to court over this. Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation.
Product: Credit card

I paid my macy 's bill of {$430.00} twice and requested a refund of the {$430.00} on XX/XX/2023. On XX/XX/XXXX, I called the customer service line to inform them that I did not receive the refund check of {$430.00}. The representative said that a new check would be sent or a refund to my account. Neither solution was instituted and there is no evidence that a check was sent or a refund to my account. I called for the third time today for the refund of {$430.00} and was told that I must wait 6 months for the XX/XX/XXXX check to expire before any further action can be taken by Macy 's credit. Further, they requested my birth date and last 4 social security number, even after I gave my account number. No supervisors would speak to me. 
Please help me get my {$430.00} back from Macy 's.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I had Victoria secret angel card they were monitoring my credit score according to the rep talked to about why my card was turned off even though it was paid off and in excellent standing made all my payments and paid it off I was offered XXXX at the initial acceptance to getting the card then they dropped it to XXXX without knowledge and for no reason they're excuse was my credit score which they have no right monitoring after I got approved from XXXX initial inquiry then they just closed my acct not right or fair have no right judging me or monitoring g my credit after I already ven approved.
Product: Credit reporting

XXXX and XXXX XXXX XXXX account was recently disputed. have not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a reporting issue with a debt collector XXXX XXXX XXXX. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XX/XX/XXXX they bought the debt in XX/XX/XXXX and havent updated the file on Experian since XX/XX/XXXX. The Lien on the house was released in XX/XX/XXXX and they bought an unsecured debt in XX/XX/XXXX. They are  reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to XXXX XXXX XXXX. I have also notified Experian several times to no avail. They will only let XXXX XXXX XXXX change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with XXXX XXXX XXXX and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. XXXX XXXX XXXX is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty
Product: Debt collection

On XX/XX/XXXX I received a call from ( XXXX ) XXXX that went to voicemail. The voicemail stated it was concerning an account connected to my social security number. I called the number back and the call was answered as " legal department XXXX XXXX XXXX ''. When I inquired why they contacted me a " XXXX XXXX '' proceeded to ask if I was XXXX XXXX. I confirmed I was and asked why they called me. She stated they were " representing their client for debt owed to XXXX XXXX in a civil suit and would I like to pay the bill owed before it went to court ''. I asked them to send me the information regarding the debt and let them know I owed no debt to XXXX XXXX and have a XXXX balance on my XXXX XXXX credit card account. XXXX XXXX refused to send information to be regarding this alleged account and any money owed. She also refused to provide me with an address for their organization so that I could send a verification letter. I then stated to XXXX XXXX that any reference she may have to an alleged balance owed was from an old account which was paid off in 2003 and that I had reported Portfolio Recovery Associates ( who keeps selling this account ) to the Federal Trade Commission and the Consumer Finacial Protection Bureau for re-aging debt practices in 2014. I advised XXXX XXXX since she was refusing to provide me an address for their business to send a verification request letter that they were to cease and desist calling me. This business called me again on XX/XX/XXXX and a " XXXX '' called me from XXXX saying she was " calling on behalf of attorney XXXX XXXX '' and would I like to pay the debt or be ready to have my wages garnished and my home with XXXX XXXX have a lien put on it ''. I again stated to " XXXX '' that I did not owe a debt to XXXX XXXX and requested verification of information ( which she refused ) and asked for an address of the company to send a request for verification letter. She refused. I again told " XXXX '' to cease and desist calling me. I have received calls and voicemails from this company from ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " XXXX XXXX XXXX ''. I have no open consumer finance accounts. I called XXXX and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. 

XXXX compared all of the accounts ; and does not understand it. He did state that I have 3 Navient accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with Navient and they said the accounts were closed and transferred back to Navient due to my old chapter XXXX. 

Essentially ; I have 6 Navient accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.
Product: Credit reporting or other personal consumer reports

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. 
Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 

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. XXXX XXXX XXXX # XXXX, Texas Attorney General : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 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 an 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit file by several creditors. The details of my dispute and the applicable legal provisions supporting my claim are outlined below. 

XXXX. XXXX XXXX XXXX 

Account Details : Account Open Date : XX/XX/XXXX Balance : {$300.00} Credit Limit : {$2500.00} Payment History : XXXX  days late, {$60.00} past due This account contains inaccuracies regarding the reported late payments and their compliance with consumer protections outlined in the following statutes : 15 USC 1666b Timely payments must be credited if received within the grace period set forth in the billing statement. 
15 USC 1637 ( b ) Creditors are required to disclose accurate account statements, including payment allocations and any late fees.

15 USC 1681s-2 ( a ) Furnishers must report accurate information to consumer reporting agencies.

15 USC 1681i Consumers have the right to dispute inaccurate information on their credit file.

I request that the CFPB investigate this account and verify whether XXXX XXXX has complied with these legal standards. 

XXXX. XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$460.00} ( charged off ) Credit Limit : {$300.00} XXXX XXXX has reported this account as charged off as bad debt with a balance exceeding the credit limit. Under 15 USC 1681s-2, I am disputing the accuracy of the charge-off amount and whether appropriate notice was given per legal requirements. 

XXXX XXXX XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$220.00} ( charged off ) Credit Limit : {$200.00} This account is also reported as charged off as bad debt. I am requesting an investigation into the accuracy of this reporting under 15 USC 1681i and a review of compliance with applicable FCRA regulations.

Resolution Requested I respectfully request the following : 1. Full investigation into the accuracy of the reported late payments and charge-offs.

2. Removal of any inaccuracies identified during the investigation.

3. Written confirmation of the resolution of this dispute.

Please find attached copies of my credit report highlighting the disputed items and any supporting documentation for your review. 

Thank you for your attention to this matter. I trust the CFPB will ensure compliance with the Fair Credit Reporting Act and other applicable regulations. 

Sincerely, XXXX XXXX Enclosures : 1. Credit report excerpts highlighting disputed accounts 2. Supporting documentation ( if applicable )
Product: Checking or savings account

Check from tenant rent of {$870.00} deposited into Bank of America ATM XXXX/XXXX/XXXX Drawn from XXXX Bank XXXX banks located in MA XXXX on HOLD until XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX states " paying Bank information indicates item may be returned '' This information should have been given prior to completing this deposit I would have cancelled the deposit and gone to paying bank for cash or informed tenant I now have {$870.00} virtually seized for at least 10 days without any warning and can not discuss this with tenant until this issue is resolved If I do not act quickly there will be all types of overdrafts from using these account If the ATM can act this quickly to hold funds it could inform me prior to completing deposit
Product: Credit reporting

I was instructed by my bank to obtain a fraud alert after my social security number was stolen. I followed the instructions using Equifax. In the mail, on XXXX XXXX or so, I received instructions from Equifax on how to obtain my free credit report pursuant to the fraud alert I had requested. I utilized the online tool provided by Equifax, but the final screen said it could not print my report. When I turned to the automated phone system provided by Equifax, the phone system did not ask for my full mailing address but did manage to extract my social security number. The system did not allow me to order my free report but rather gave me options only for a paid credit report. The automated system had no option for talking to a human being so that I could actually obtain the free report to which I am entitled. Equifax is making lots of money by hiding the ball as to how to obtain the free report to which I am entitled as a victim of fraud. Thank you. XXXX XXXX
Product: Vehicle loan or lease

Prestige has refused to release my title although the car has been paid off in full. I have been going back and fourth through the new financial institution for prestige to release my title to XXXX XXXX and they refuse although this has been paid for 5 years. I have now financed a new car where I have done a trade in on the car with title issues 2014 XXXX XXXX, this could potentially ruin my chances in purchasing a new car. 
I have gone to the dmv personally to fix the issue however prestige can not release the title to me to put chartway as the lien holder.
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX XXXX XXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX.