23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$8100.00}
Product: Mortgage

Truist cheated me out of control of escrow and hides behind options but conveys them as requirements. Amounts to financial discrimination due to florida statutory renewal timing of windstorm policy. 

Resolution not acceptable.
Product: Checking or savings account

In XXXX of XXXX, I canceled my XXXX XXXX XXXX XXXX  at XXXX. I realized later that I was still being charged, I called and they canceled it again and back dated the date to XXXX. I then called Chase business accounts dept to notify them to stop payments. I explained what had happened, they opened a case and later told me that they couldn't stop the payments, because of that I was charged over draft charges, a total of 11 altogether. Well after lots of going back and forth and 3 audits at XXXX and XXXX, I was refunded XXXX on XX/XX/XXXX, so I called XXXX to request the refund on the 11 over draft that I should have never been charged. XXXX charged me up to XX/XX/XXXX. Chase told me that they would not refund me the over draft. I am requesting to be refunded for the over draft charges, which if they had stopped payment as I had requested, would have never happened.
Product: Debt collection

I spoke to XXXX XXXX XXXX today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over XXXX XXXX XXXX which is thru whynotleasing. 

They purchased the collection account actually from XXXX XXXX  which in XX/XX/XXXX XXXX XXXX  called me and harassed me about the account stating i failed to pay XXXX XXXX  and they want payment i informed XXXX XXXX  that there was a payment agreement that was set up thru XXXX XXXX  to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX  refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXX XXXX  Fast forward to XXXX when i called XXXX XXXX XXXX as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. 

I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. 

I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
Product: Checking or savings account

My social media was hacked, and my XXXX  was hacked as well. My Bank of America account was connected to my XXXX  at the time and the my personal information was compromised. I then in return tried to go through the merchant ( XXXX XXXX ) to get my money back and after months of no progress, I went through my bank. 
I was told false information, repeatedly and Bank of America broke, rules and regulations by not following guidelines with their policies, which in return lead to unethical practices and they should be held accountable for lying on noted documents and to the customer ( ME ).
Product: Checking or savings account

on XX/XX/year> i opened an account with CITI bank and proceeded to deposit a check for XXXX through mobile deposit. On XX/XX/XXXX, the deposit was processed. the next day I received a letter saying my deposit will take a few extra days to review, and held ALL of the funds of the check but stated I would have the funds available on XX/XX/year>. On XX/XX/XXXX, I logged into my account online to check the status of the deposit, I received an error message my account was locked, and to rest my password. after trying to reset it with no luck I called the bank to find out my account was now under review for a fraud deposit, therefore it was frozen up while they finished reviewing. I gave them one more day to straighten out the issue, and on XX/XX/XXXX, I called and was notified that my account was in foreclosure due to the potential a recent deposit may not be paid, but was told the available balance at the time of closure will be mailed in 60 days. I asked what my available balance would be, and they stated it was XXXX, the same exact amount that the check was for. I contacted the check issuer, and was told, with documentation provided, that the funds were sent to CITI on XX/XX/XXXX. 

Therefore CITI bank has had the funds as of XX/XX/XXXX, while holding them for review allegedly. Then proceeded to close my account because they had no proof the funds were legitimate, even though they had them already. They had asked me how, when, and where they check was received, after answering honestly, they closed my account still, then having the issuer contact them as per their request, they told him that they weren't sure only because they were not at all familiar with the nature of the business, then decided it was fraud for that reason. As of now on XX/XX/XXXX, I don't have a single dollar i can access since my account is froze. CITI bank said my account is still in foreclosure, but they well try to review the account to see if they can reinstate it. They claim they have no way to expedite the process, even though they have my money in the account, and it still faces denial, and my account can remain closed meaning i possibly would receive the funds in a check 60 days from now, despite the fact they currently the funds since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please delete all of the following addresses and names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and names. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
PLEASE DELETE AND BLOCK THIS INFORMATION OFF OF MY CONSUMER REPORT FOR XXXX, XXXX, AND EXPERIAN. 

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

XXXX XXXX XXXX IS REPORTING LATE PAYMENTS ON MY MORTGAGE/ CREDIT REPORT. THIS MORTGAGE WAS UNDER A MODIFICATION DURING THIS TIME, THERE SHOULD NOT HAVE BEEN ANY LATES REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX  ; XXXX   and Transunion a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Checking or savings account

As the court-appointed personal representative for my deceased mothers estate, I have attempted to close her Wells Fargo savings account and obtain the remaining funds to deposit into her estate account for distribution to her beneficiaries.

Time and time again, Wells Fargo has disregarded my communication and ignored their responsibility to close her account and send her funds to me. 

Most recently, I followed up on Wells Fargo case number XXXX. Although I had previously provided a copy of her death certificate to the branch office, on XX/XX/2023 Wells Fargo requested another copy, which I sent on that same day. Then nothing happened, except that I received her monthly statement indicating the account was STILL open at the end of XXXX, so I followed up on XX/XX/XXXX. Still nothing. 

I need Wells Fargo to close my mothers savings account and send a check to the address I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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.
Product: Credit reporting or other personal consumer reports

RE Account Numbers- XXXX Bank of America, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Debt collection

Midland funding has sent numerous letters and made phone calls after the fact that they tried to put a judgement on me throught court. I fought that judgement and won, they could not prove to me or the court that I owe them any type of debt. So it was dismissed. It is still on my credit report after XXXX attempts of dispute and also sent via certified mail copies of the court findings. I do not think this should be on my credit report so I pray that something can be done.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

On XX/XX/XXXX I closed on a Home equity line of credit, through the Chase bank that also holds my initial mortgage, and a previous home equity line of credit. At the closing, I advised the bank representatives that I'd made a payment on XX/XX/XXXX to the existing line of credit, because it was the due day, and I did not want to get charged a late fee. 
On XX/XX/XXXX, the bank attempted to satisfy my outstanding balance from the original line of credit, by deducting it from the newly opened line of credit ( account # XXXX ) as per our agreement. Instead of paying off the existing balance, they deducted over {$500.00} dollars more than I owed, at the date of closing. They did not seek my approval. Now they are trying to treat it as an overpayment, and merely reimburse the amount, without regard to the interest it has incurred. I brought this up with the loan officer I have made several attempts to correct this issue with them, and have been unsuccessful as of this date and time. 
When I called the representative XXXX XXXX on the afternoon of XX/XX/XXXX, he stated he " did not think it was that big of a deal, '' when I described what had transpired When I asked to speak to a supervisor, he kept me on hold for well over 10 minutes, and then advised me no supervisor was available. I asked him to have 1 contact me and he stated he would. As of yet, no other Chase representative has contacted me.
Product: Checking or savings account

Commercial Acceptance Company Displaying a difference in which was actually due. XXXX XXXX XXXX XXXX  was my bank for five years prior to loosing employment. At the moment I requested a delete if paid letter. Haven't heard anything within 30 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX  Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear XXXX  Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX  XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX  XXXX XXXX XXXX XXXX Reported : {$910.00} Date Opened : XX/XX/XXXXXXXX  Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXXXXXX  Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies. 
Request for Action : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : Proof of the original debt, including any contracts or agreements signed by me. 
A detailed payment history showing how the balance was calculated. 
Any communication records showing my acknowledgment of the debt. 
Legal Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements may result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within 30 days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX