23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CAPITAL ONE Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening : XX/XX/XXXX Open/Closed Status : Closed Status Update : XX/XX/XXXX Account Type : Revolving Status : Charge-off Balance : {$460.00} Balance Update : XX/XX/XXXX Credit Limit : $ 300 Monthly Payment : - Past Due Amount : {$460.00} Responsibility : Individual Account I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " XXXX '' and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind XXXX of the stipulations within the FCRA, notably : XXXX XXXX XXXX Section XXXX A : This section highlights my right to privacy and the necessity of accurate credit reporting. 
XXXX XXXX XXXX Section XXXX A Section XXXX : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
XXXX XXXX XXXX : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that XXXX will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.
Product: Checking or savings account

I have been a customer of Bank of America for 35 years and recently was a victim of XXXX XXXX on XX/XX/2023. I received a fraudulent bank check for {$1700.00} for an item I was selling and called BOA customer service and was informed the check had " cleared ''. I acted on this information and sent the money via XXXX to a " fraudulent actor '' only to learn that the bank check was counterfeit and BOA removed the {$1700.00} from my account. After a 4 month investigation, BOA informed me that I received " misinformation '' from their customer service and that they provided the customer service representative the necessary education to ensure " this will not happen again. '' They refused to reimburse me for their customer service error. BOA has already brought this case to their " lawyers '' attention and I have brought this to the attention of the president of BOA ( XXXX XXXX ). Customers of BOA need to know they have no concern for their customers when they are victims of fraud even when they are partly to blame.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX I am writing in response to an alleged debt associated with, XXXX XXXX XXXX XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached. 
2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice. 
ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

BECU has been more than difficult to work with on these erroneous late payments. Ive filed a dispute claim with them already using XXXX XXXX and so far havent heard back. The way the account works is I can only pay my auto loan through the BECU account. Usually they move my funds between accounts themselves to settle the loan. In these instances where I was reported late they didnt bother to do that. At no point, was there any communication with me as to when the payment was due or what the actual amount of my payment is. Their apps and websites show inconsistent funds ( I believe they pull from different systems ), and on top of that, nothing on their app tells me payment dates, or amounts. With a perfect payment history on all of my credit trade lines, I would hope you can see that this is an error on the creditors part.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS related to XXXX Equifax credit report please be advised that IRS reported identity theft and insists on communication with an identity protection IP PIN. This directly relates to all the fraudulent fact you data mined, without my knowledge, and are now using to reduce my credit score and to purposefully present false reports about me. Therefore please email XXXX the source of the following fact for each of: XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX  - XXXX XXXX and XXXX XXXX XXXX XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore please email XXXX the source of the following fact for each of: XXXX XXXX XXXX and XXXX XXXX XXXX. or as Equifax has fraudulently received false fact from XXXX XXXX XXXX and XXXX XXXX XXXX. please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore, please email XXXX a copy of my signed authorization for each of: Hard inquiries XX/XX/XXXX, XX/XX/XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each hard inquiry from my credit report.  Furthermore, please email XXXX a copy of my signed authorization for each of: Soft inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX or as Equifax has fraudulently data mined please email XXXX confirming immediate removal of each soft inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.
Product: Student loan

FEDLOANS are breaking facra fair and accurate credit reporting act by putting on there that you disagree when you dont disagree and never filed a dispute with them or anybody regarding Fed loans.
Product: Credit reporting or other personal consumer reports

Sent correspondence with account number and social security number so that account information can be verified. But information with credit bureaus not reflecting accurate payment history with late payment status reflecting XXXX, XXXX, attempts were made to contact individual credit agencies and XXXX XXXX data furnisher!
Product: Vehicle loan or lease

On XX/XX/18, I asked Ally Financial to not send mail to a specific address and not to call a specific telephone number. They asked for me to have the other member on the account sign a letter to verify this information and they did. Ally received the signed documentation and agreed not to send mail or contact the phone number I requested. On XX/XX/18, Ally sent mail again to the address we specifically agreed not to send mail to. This is a continuous habit of Ally Financial as they believe and continue to do whatever they please without any consideration.
Product: Credit card

Between XXXX and XXXX XXXX, I purchased furniture from XXXX to take advantage of their two year zero percent program. My XXXX American Express card did not have a high enough credit limit on it, so the sales representative helped me get the limit increased at the time of purchase. I noticed my XX/XX/XXXX billing reflected total interest charged in XXXX {$380.00}. I called XXXX and reviewed my account with them. They agreed there was an error and that the account should not be charging interest. An adjustment was made in the amount of {$480.00}. This was the equivalent of five months interest that should not have been charged. The {$480.00} adjustment reflected on my XXXX XXXX statement. My XX/XX/XXXX statement also included interest owing in the amount of {$81.00}. I called XXXX again. They claimed they fixed the problem and the interest adjustment would reflect on my XX/XX/XXXX statement. When I received my XX/XX/XXXX billing, there was no interest adjustment for the XX/XX/XXXX billing and interest in the amount of {$81.00} was now showing for XXXX. Once again I called XXXX XXXX and explained the situation. Again, they assured me the correction was made for XX/XX/XXXX and XX/XX/XXXX and the adjustment would show on my XX/XX/XXXX statement. When I received my XXXX statement, there was an adjustment in the amount of {$160.00}, XX/XX/XXXX and XX/XX/XXXX interest. The statement also reflected interest owing in the amount of {$79.00} for XX/XX/XXXX. Again, I called XXXX and explained the situation. At that point, they said a supervisor put notes on the account stating she did a re-amortization of the account and that no adjustments should be made because it required one full billing cycle to correct the problem once and for all. They assured me my XX/XX/XXXX billing would reflect the interest credit for XX/XX/XXXX and zero interest owing thereafter. When I received my XX/XX/XXXX billing, it reflected no adjustments for XX/XX/XXXX interest. It also reflected {$76.00} owing in interest for XX/XX/XXXX. At this point, I as a consumer fell that i have done my due diligence in trying to get this corrected. It has now been six months and I have made zero progress with XXXX in rectifying this situation. I am hopeful that you can assist me with correcting this problem once and for all.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this to dispute the information contained in my credit report and to request an investigation into the following accounts. I noticed inaccuracies in my report and reached out to the creditor for validation of the debt, but they failed to provide any supporting documentation. My concern relates to the account listed as a late payment account. I demand that you provide concrete evidence of this account being late and, if such evidence is not forthcoming, I request the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX. I take this matter seriously and expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Product: Debt collection

I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ). 

Prior to receiving the attached collection letter from CENTRAL PORTFLIO CONTROL dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( XXXX XXXX XXXX, XXXX, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.
Product: Debt collection

I received a letter from Koalafi  saying I owed them {$950.00}. I never heard of this company and when I called them onXXXX they said I signed a lease for truck parts from XXXX XXXX XXXX. I called XXXX XXXX XXXX using the phone number provided me by Koalafi. I called and a man answered and said XXXX XXXX XXXX was no longer in business. 
I requested from Koalafi an affidavit of fraud I could sign to say this is a case of identity theft. I was told they would not consider this a fraud until I filed a FTC complaint and/ or a police report. I contacted my local Sheriff 's office on XX/XX/XXXX and I have filed a police report. I am waiting for the report to be sent to me. Today, XX/XX/XXXX I received a phone call from Koalafi and spoke with a supervisor named XXXX at XXXX. I was give a deadline of XX/XX/XXXX to provide them with the police report. I told her that may or may not be possible, depending on when I got the report from the police. She wants me to send it to them by email. I am not comfortable sending them my information by email because email is not secure. I told her I would mail it to them. She advised me that would take a long time and I really need to send it by email. I asked her what email they had on file for me- she read it to me and it is NOT my email, making me even more resolved not to send them anything with my email. I don't trust this company. They have now called me twice in the last week and don't seem to be giving up on this. Please help.
Product: Vehicle loan or lease

Three months after purchase of vehicle I called of numerous complaints of issues with the car and overpayment as well I was told that their would be an adjustment and for months it never happened. Months later I am having issues with this car a second time, and I complain to Toyota that im not satisfied with the issuesI keep having as well as them making an adjustment as the promised. Fast forward months later as I continue to struggle with myself about making payments on what I would consider a lemon I decided to give Toyota one last call to try to make some kind of deal regarding the issues as well as the overpayment at whoch time they refused to lower the price, but would spread my payments longer which made no sense. I then told them I was doing a voluntary repo because not only did I overpay, but im continuing to drive what seemed to me was a lemon
Product: Credit reporting or other personal consumer reports

I noticed CAPITAL ONE and XXXX furnishing illegal information on my consumer report. There are late payments reflected on XXXX different accounts with Capital One. Late payments are reflected on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, these furnishings are illegal and bearing on my credit worthiness.
Product: Checking or savings account

Wells Fargo claimed to have sent XXXX letter via USPS stating they needed to confirm a different address for our business location. We have had the accounts established since XXXX with the same address. We never received the notification. Wells Fargo never called or emailed or tried to contact us. 

As a result, the accounts were literally closed, money mailed via USPS ( still not received ), and our employees and vendors left without an infrastructure. This literally has brought our company ( XXXX XXXX revenue per year ) to its knees and could force into bankruptcy.
Product: Mortgage

This summer, back in XX/XX/XXXX, XXXX XXXX at the Wells Fargo Home Preservation office, XXXX, started the modification process on my home. We had to get our paperwork notarized and sent in. She sent me an email titled " agreement '' in XXXX ( I deleted my email after they withdrew my first modified payment of {$790.00} on XX/XX/XXXX. ) The email said they had gotten the paperwork and the auto payments would start in XXXX, which they did. In XXXX I made a check payment at the branch that they didn't attempt to cash, and haven't sent back so far, but on XX/XX/XXXX they put my home in a trustee sale and sold it to XXXX at XXXX XXXX XXXX XXXX XXXX. I am guessing they sold it for approximately {$100000.00} because that's what we owed on it. I know there were probably some closing costs, taxes, etc. on top of that. Monday XX/XX/19 approximately XXXX XXXX we received a notice from XXXX hand delivered ( not notarized ) that we have 10 days to move out. THIS WAS THE FIRST WE KNEW OUR HOUSE WAS BEING PUT IN A TRUSTEE SALE AS A FORECLOSURE. I immediately called Wells Fargo to attempt to contact XXXX and instead had to talk to a third person. They informed me she had put it in the trustee sale because I never sent in our agreement. The agreement that was notarized and we mailed out. Then they started taking our payment out in XXXX. We never received a notice saying there'd be a trustee sale on our property on XX/XX/XXXX, or we would have had my XXXX year old son ( who still lives with us ) use his pre-approved home loan of {$150000.00} to buy it from Wells Fargo so we could all stay in the home. I reached out to XXXX XXXX XXXX XXXX to see if we can buy our home back for what he paid for and he replied that he has a job to do, and Idaho is not required to let the foreclose ( victims in this case ) residents to be able to have 60 days to buy it back. He also told me that my home is worth {$250000.00} at least so that's what he wants for it. I understand that is the law. But the foreclosure proceedings were not done by Wells Fargo, and when I received a ten day eviction notice I was completely blindsided, two weeks before XXXX. I contacted XXXX   XXXX XXXX this morning and they recommended submitting this complaint and contacting a lawyer. I am meeting with a lawyer at XXXX XXXX today to see if I can have them file a Lis Pendens motion to stall until we have the opportunity to get Wells Fargo to fix this. Wells Fargo needs to fix this- and get the home back in their financing, at which point we will get a loan through a company that isn't horrible with no ethics, and buy our home back. Why would they have sent me a copy of my statement on XX/XX/XXXX and then foreclosed ... I can't open that now because the loan is no longer a Wells Fargo account, and it isn't their problem anymore. I am positive that Wells Fargo did not follow the foreclosure proceedings according to law.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, LendingPoint was sent {$10000.00} on loan XXXX, leaving a balance of around {$130.00} left due on the loan. I had made payments of {$5.00} from XX/XX/XXXX to XX/XX/XXXX and then starting in XXXX, the system started to say that I was late with my payment of {$450.00} but that can't be right because I only owe {$120.00} ( see attachment ) I have tried to resolve the issue at least twice this month with LendingPoint and have been unsuccessful. I called again today and was told, " This is an effort to collect a debt. '' I told them, " Yeah, yeah, yeahyour system is messed up. You haven't fixed it. You said you would fix it. You didn't, and I know you are claiming I owe you. I don't, I paid on time, ahead of time. Fix your system. '' I have requested that my payments be adjusted so that a full payoff can occur when the loan matures on XX/XX/XXXX, with a payment estimate to be {$5.00} per month from XX/XX/XXXX until XX/XX/XXXX.