23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing regarding the debt you have contacted me about, which you claim I owe. Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting validation of this alleged debt. Please provide the following information : Proof of Debt The name and address of the original creditor.

A copy of the agreement or contract that created the debt.

Amount of Debt An itemized breakdown of the total amount you claim I owe, including principal, interest, fees, and other charges.

Proof of Your Authorization Documentation that verifies your authority to collect this debt, such as a copy of the assignment or transfer agreement.

Verification of Accuracy Evidence showing that this debt is accurate, valid, and not subject to error, fraud, or duplication. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit reporting agencies, as any unverified or inaccurate information could constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please note that I am exercising my rights under the FDCPA, and this is not an acknowledgment or acceptance of responsibility for the debt. Additionally, further communication regarding this matter should be made in writing. 

Thank you for your prompt attention to this request. I expect your response within the 30-day timeframe stipulated by law.

Sincerely,
Product: Credit reporting or other personal consumer reports

: Request for Assistance with TransUnion 's Failure to Remove Bankruptcy per 15 U.S. Code 1681b Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to bring to your attention an issue I have been experiencing with TransUnion regarding the removal of a bankruptcy from my credit report, as mandated by the provisions of 15 U.S. Code 1681b. Despite providing the necessary documentation and meeting the requirements for the removal of the bankruptcy, TransUnion has failed to take the appropriate action. 

I initially submitted a request to TransUnion to remove the bankruptcy from my credit report as it has been more than seven years since the date of filing. As per the Fair Credit Reporting Act ( FCRA ) outlined in 15 U.S. Code 1681b, bankruptcies are supposed to be automatically removed from credit reports after a certain period of time. However, TransUnion has neglected to comply with this legal requirement. 

I have made multiple attempts to contact TransUnion and have submitted all the required documentation to support my request for the removal of the bankruptcy. Despite my efforts, the bankruptcy continues to be reflected on my credit report, negatively impacting my credit score and financial opportunities. 

I kindly request your intervention in this matter to ensure that TransUnion adheres to the laws and regulations governing the removal of bankruptcies from credit reports. I believe that my rights as a consumer under the FCRA are being violated, and I seek your assistance in resolving this issue promptly. 

I have attached copies of the relevant documents, including proof of the bankruptcy filing date and the request for removal, for your reference. Your attention to this matter is greatly appreciated, and I look forward to your prompt assistance in rectifying this situation. 

Thank you for your time and attention to this important matter. I am hopeful that with your intervention, I can successfully have the bankruptcy removed from my credit report in accordance with the law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to lift a freeze on my credit. During a phone conversation with an Experian rep., she stated, " Your email does not allow me to ask you questions to verify your identity. '' What is that all about? Why NOT? 

Then she stated, " You lifted a freeze on your account from XX/XX/XXXX to XX/XX/XXXX. I was astonished ... I DID NOT LIFT A FREEZE ON MY ACCOUNT WITH EXPERIAN!!! This company permitted the lifting of a freeze without my consent. And NOW ... I am unable to access MY OWN ACCOUNT! 

I demand that Experian call me immediately. They are preventing me from refinancing my home. 

In addition, I attempted to set up a free member account on line. I received an email to complete setting up the account and that DOES NOT WORK. I have made multiple calls to multiple Experian numbers with no success. See the SIX phone numbers I have called to get some help without success. See the hours of operation listed that are a lie. No one answers. This company is a joke.
Product: Checking or savings account

My matured money market account check should be mailed to me as of XX/XX/2024 and it should take about XXXX  to XXXX  business days to receive it which is XX/XX/2024 at the latest. But it hasn't arrived yet as of today XX/XX/2024from the PenFed credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING TO START ANOTHER BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING TO GET FUNDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.
Product: Checking or savings account

I paid for a trip to XXXX through my checking acct at BB & T. I had monthly payments taken from my acct and paid to travel agency XXXX. 

On XX/XX/2020 I received an email from XXXX stating they were cancelling my trip because of the COVID-19 virus. There was an attached letter from the U.S State Department. The letter stated that because of virus threat they are issuing a DO NOT TRAVEL alert to all international trips. 

XXXX stated that we would need to get in contact with our bank or credit card company to get our refund. When you call their phone number they refer you to the web-site. When you go to their web-site it only has the letter from the U.S. State Department.

I reached out to my bank BB & T. I explained the situation to them. They said they had to transfer me to the fraud dept. I explained that it was not fraud, but they said they still needed to send me to that dept. I spoke to the fraud agent and explained the situation. They took all the information and told me they would investigate and get back to me. 

A week later I started receiving ATM/Check Card/Electronic Check/Error Resolution forms for each of my charges.

I faxed each one back with the letters from XXXX and the State Dept. proving the trip was cancelled without my permission and due to unforeseen pandemic. 

On XX/XX/XXXX I received a letter stating that because these transactions where non fraud there was nothing the bank could do. They stated with the requested information they would attempt to recover the funds from the merchant. 
I contacted the bank again. Explained that I had previously faxed the requested information. I was asked to fax it again, which I did. 

I have not heard form the bank since then. I called to file a claim for services not received on XX/XX/XXXX and was told I had to wait until XX/XX/XXXX since the other claims where still open. 

This really upsets me that BB & T is not willing to refund me my money. I have been with them since I was XXXX yrs old. 
I had booked another trip with a card from another bank. Had no problem getting my refund from them. Just don't understand the problem. 

I would appreciate any help I can get Sincerely, Miss XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 
XXXX. XXXX & XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.
Product: Debt collection

I wrote Enhanced Recovery telling them to prove that this account belongs to me. I ask for proof. Something with my signature on it etc. Enhanced Recovery sent me a phone bill with the name XXXX XXXX on it. THIS IS NOT PROOF. I want something with my signature on it. If they can't provide this to me, I WANT THIS REMOVED off my credit reports asap. I'm giving them 32 days to remove this.
Product: Credit reporting 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Product: Mortgage

XXXX XXXX and XXXX XXXX of cross country mortgage have delayed my closing by months because of forms not being submitted properly, not locking my interest rate when I was told it was locked and numerous other factors. I have plenty of text messages of lies and promises from XXXX and XXXX. I have had numerous disclosures that I signed and every time I get a new one my mortgage payment is higher. I have text messages from XXXX stating my mortgage payment will be at XXXX and my final disclosure is XXXX. XXXX and XXXX keep apologizing and keep telling me what I want to hear but I cant trust one thing they say. I was told I will be closing late XXXX by XXXX in late XXXX. I was told by XXXX we were days from closing in XXXX. Most recently XXXX told my wife a form was sent to the state last XXXX  just to shut her up but we found out from the processor that was a lie and it was sent on XXXX. It is now XX/XX/XXXX and we are still not ready to close. These XXXX are not fit for this job. This is the biggest purchase of my life and I cant trust a word these guys say that is not how businesses should be done. This is completely unacceptable.
Product: Mortgage

I refinanced my home and had a escrow refund check for XXXX mailed to me on XX/XX/XXXX it was stolen out of my mailbox, I know this because the perpetrator opened a XXXX virtual wallet account in my name using my SSN and deposited my refund check as well as 2 other checks belonging to other 's in that account and the statement 's and letter 's i did retrieve out of my mailbox. I contacted Lakeview right away before the money was withdrawn and assumed that they had stopped payment, only to find out today that this check had been cashed and no other check has been issued. I can not seem to get Lake view loan servicing to reissue another check, they have repeatably lied stating a second check was mailed out on 3 different dates, also stated they would expedite and overnight a new check. But they can not give me a check number associated with the supposed second check. However today they stated that i needed to file a police report and call XXXX XXXX which is their bank account. XXXX XXXX would not of course do anything because it is Lake view 's bank account and police told me to go to the Postal Inspector which I did. 

I can not seem to get any resolution or help with Lake view, which technically owes me this refund. 

I can provide copies of the XXXX fraud account that was opened that shows were the check and others were deposited. I also notified XXXX that I did not open this account and to close it and return the funds, I assumed that was done, however I found out today that also did not happen. I am also notifying the XXXX and identity theft .gov as well as the Federal Reserve about this matter. 

if anything furthur is needed please contact me Lakeview as been giving me the run around since XXXX I have called Lakeview and XXXX numerous times about this and have documented all dates..
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( XXXX ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Product: Credit card or prepaid card

I OPENED A CITI PLAT AA CREDIT CARD ON XXXX XXXX. THE WELCOME BONUS ASKED TO SPEND XXXX IN 3 MONTHS TO GET XXXX AMERICAN AIRLINE BONUS. IN XXXX AND XXXX, I DID THE ONLINE CHAT WITH TWO DIFFERENT AGENTS WITH CITI. BOTH OF THEM TOLD ME THE DEADLINE HAS BEEN EXTENDED DUE TO THE COVID. I HAVE THE SCREENSHOT HERE. I CAN PROVIDE. TODAY WHICH IS XXXX. THEY TOLD ME THAT I DID NOT MEET THE REQUIREMENT, I SPEND {$2900.00}, LEFT {$25.00} TO MEET THE REQUIREMENT ON XX/XX/XXXX, THE OFFER HAS BEEN EXPIRED AND IT IS NOT THEIR RESPONSIBILITY. DOES CITI TAKE RESPONSIBILITY FOR WHAT THEIR AGENT SAID? THEY SAID NOTHING THEY CAN DO TO HELP ME. RIGHT NOW I ALREADY COMPLETE THE {$3000.00} SPENDING REQUIRMENT. I WANT MY WELCOM BONUS BACK. IF THE AGENT NOT GIVING ME THE WRONG INFO I WOULD HAVE MEET THE REQUIREMENT. I HAVE TO HAVE MY BONUS BACK BECAUSE CITI NEEDS TO BE RESPONSIBLE FOR WHAT TEIR CUSTOMER SERVICE SAID!! CITI, TRAIN YOUR CUSTOMER SERVICE PLEASE! THIS IS HOW THEY MAKE YOU LOST CUSTOMER!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get information corrected on my credit bureau report with XXXX  and XXXX. Capio Partners of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.45.0K
Product: Mortgage

On XX/XX/XXXX, I began a refinance with Bank of America. One month went by without any development with the original loan officer. Then on XX/XX/2021, I was assigned XXXX XXXX XXXX NMLS ID : XXXX ) of Bank of America to refinance my home. 

Here are the two issues I encountered : First, I questioned the upfront and non-refundable {$640.00} appraisal fee on XX/XX/XXXX. It was clear that XXXX became very annoyed and rude over the phone. I simply wanted a better understanding of the fee requirement. Especially because I did not pay the upfront appraisal fee when I attempted to refinance the same home last summer in XXXX, WA. I was also told by the appraisal officer that " most of the time it's a formality '' when I scheduled the appointment. So of course, I had questions. 
After explaining these two items to XXXX, he questioned my integrity and essentially made me feel like I was either a liar or incompetent. He did manage to mention he had to pay the fee for his own million-dollar home. I confirmed with the XXXX Bank of America broker, XXXX XXXX that I did not pay the appraisal fee last year because it was not required in the application at that time. XXXX took the time to explain the process and why it wasn't necessary at the time I refinanced with him, and why it could be now. I left the call with a clear understanding, unlike with XXXX. I can disregard rude or abrasive tone, and even being just another number in his client list, which he often made me feel like I was. But I do not appreciate having my integrity or even competence questioned. 

The second, and biggest issue, is with XXXX 's poor communication and mismanagement of time. We had to restructure the refinance from main home to secondary home. After restructuring it, weeks would go by without a word on my application. I would ping him every now and then, asking for an update. He would respond with a short " under review '' response and I would move on. I was told the restricted application was submitted on XX/XX/XXXX. I asked for an update on XX/XX/XXXX, and was told, just waiting to get it reviews. On XX/XX/XXXX, I asked for an update. Several days went by without a response. On XX/XX/XXXX, he responded by saying he was on vacation, and that my application was canceled without any explanation. He told me we could talk in a week when he returned. I was incredulous. First, that he left me in the dark for weeks, then abruptly telling me my application was canceled, and then telling me to sit and wait a week to discuss this bombshell news. I did not wait. I immediately called his manager, who very swiftly took action and assigned me a new broker. 

Unforutnately the process had to be restarted. I was forced to pay for another appraisal fee on XX/XX/XXXX for the amount of {$870.00} which is ridiculusous. Bank of America also has an out dated system that does not even allow for digital computer signatures. I was asked to print, then, scan, then sign, then email documents. A tedious and unacceptable process. Especially in this day and age we live in. 

This entire process has taken now four months and has cost me {$1500.00}.
Product: Debt collection

I am writing to express my disgust at your companys reprehensible actions regarding my account. As a military service member, I have faced financial difficulties due to a combination of job loss and military-related delays in pay. During this challenging time, I made an honest effort to reconcile my loan with XXXX, but they refused, eventually selling my account to your company. 

I contacted Velocity Investments LLC in an attempt to resolve the situation. I inquired about the details of your acquisition of my account, including how much you paid for it and my personal information, and expressed my willingness to discuss a settlement or payment plan. Despite my good faith efforts, your company has remained unresponsive. 

On XX/XX/year>, while I was away on XXXX XXXX military orders, you sent unidentified individuals wearing badges to my grandmothers home. They refused to identify themselves, explain their purpose, or provide a point of contact. This type of behavior is not only predatory but a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment by debt collectors. Furthermore, the Servicemembers Civil Relief Act ( SCRA ) provides protections for XXXX XXXX military personnel, shielding us from court actions during periods of service. In blatant disregard for these protections, you have also filed a case in small claims court against me while I am actively serving, and to make matters worse, in a jurisdiction where I do not even reside. 

Your companys actions are not only unethical but unlawful. I demand immediate accountability and a halt to these egregious practices. I am prepared to settle this debt, but only on fair terms. I propose a settlement for 20 % of the delinquent principal at the time you acquired my account. 

Should you continue to evade a fair resolution, I will have no choice but to explore all legal avenues available to me under the FDCPA and SCRA to protect my rights as a consumer and a service member. 

I expect a prompt and professional response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, XXXX, and Equifax and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my Arizona correct address to a Maryland incorrect address. 

I have spoken with fraud specialists at B of A. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to XXXX that they have an incorrect address. They checked with Bank of America, who told them that I do have a Maryland address. I do not. 

The thief would contact B of A when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.