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

I am a Bank of America ( BoA ) client for almost four years, who is being penalized for the mistake made by the bank. On Thursday, XX/XX/XXXX two transactions that amounted to a total of {$1800.00} was falsely withdrawn from my checking account at two different Bank of America centers in New Jersey. One was for the amount of {$1500.00} withdrawn from the banking center in XXXX, New Jersey and another was for the amount of {$300.00} withdrawn from the banking center in XXXX XXXX XXXX, New Jersey. The withdrawal of these transactions left me with only {$4.00} in my account that day. Almost everything was taken out of my account. Prior to all my money taking out in my checking account on the XX/XX/XXXX, there was a breach on my checking account on Saturday, XX/XX/XXXX. Someone was using my debit card to make a transaction. Bank of America sent me an alert and email to call them to verify my account which I did.A representative from the bank asked me if I made a purchase of {$5.00} ( not entirely sure the amount but i know it was around {$5.00} ) that day. I informed her that I never made that transaction. She later  reversed the transaction and affirmed that since I did not authorize that transaction, she would have to close my debit card for my checking account and reissue me a new card. While waiting for my new card which takes 5-7 business days, I got an email on the XX/XX/XXXX stating that my balance was below {$25.00}. I quickly checked my account only to realize that my money was redrawn with the same debit card I was told will be closed on the XX/XX/XXXX. Since the occurrence of this incident, I have cooperated with Bank of America by immediately filing a claim with the banks check fraud department as well as filing a police report. In addition, my wallet was not stolen and I had my debit card with me. One of Bank of America 's representative who works at the banking center at XXXX XXXX, New York, even helped me fax the police report to the claims department on Friday, XX/XX/XXXX. However, on Tuesday, XX/XX/XXXX, BoA denied my claim, stating that my ATM/Debit Card and Pin were used in the transaction. I did not authorize those transactions. I do n't even know how the people who did this to me got my pin number. This has been a stressful situation and I will never wish this on anyone. And, as an indigent XXXX living in New York, where the cost of living is very high, not returning my funds has made it very difficult to meet my basic and educational needs. All I need is my money back. I worked really hard for that money.
Product: Credit reporting, credit repair services, 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. 

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 

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

Subject : Cease Unauthorized Credit Reporting per Pennsylvania FCRA Identity Theft Fraud Laws Dear TD BANK USA, I am compelled to address a concerning matter regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Pennsylvania identity theft fraud laws, particularly under Pennsylvania Consolidated Statutes Title 18 4105.

It has been brought to my attention that TD BANK USA has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal law, as delineated in the FCRA, unequivocally mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

In tandem with federal law, Pennsylvania state law, particularly under Pennsylvania Consolidated Statutes Title 18 4105, underscores the necessity of consumer consent for credit reporting. This law also outlines stringent penalties for unauthorized access and misuse of personal information, aligning with the severity emphasized by identity theft fraud laws.

I assert unequivocally that I have not granted consent for TD BANK USAto report any information to my credit report. This lack of explicit permission constitutes a direct violation of my rights, potentially resulting in harm to my creditworthiness, and demonstrates a clear disregard for federal and state laws.

I demand, with utmost urgency, that TD BANK USA immediately cease any further reporting of information to my credit report without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvania identity theft fraud laws. Failure to comply within a stipulated XXXX timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to understand that obtaining consent is not discretionary but rather a legal obligation under these specified sections of the FCRA, Pennsylvania state law, and identity theft fraud statutes. Compliance is not negotiable ; it is a demand for adherence to federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I anticipate immediate action on this matter and expect TD BANK USA to expeditiously rectify these violations, respecting my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Product: Mortgage

I was in the process of a loss mitigation claim with Freedom Mortgage and I received a letter dated XX/XX/2017 stating my claim was facially complete and I would hear from them within 30 days. Then, I received a letter from XXXX dated XX/XX/2017 stating that my loan had been sold on XX/XX/2017. I never received anything from Freedom Mortgage about this, I received only a letter from them dated XX/XX/2017, AFTER the supposed sale of my mortgage, stating that my claim was being processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again.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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According
Product: Mortgage

XX/XX/2021 - Started my inquiry in regards to the removal of PMI to my knowledge, I just needed to be at or below 80 % loan to value. This was verbally confirmed by a BSI representative. 
XX/XX/2021 Company also has a record of me calling in to request a document and/or information to confirm how to remove PMI I am unsure on the exact info requested on this date, but I have checked that there was a call in about PMI on this date.

During all inquiries I was told that a letter requesting removal and an appraisal supporting value was needed because per my account, they do not show that it has enough value from original purchase amount. This is expected that they needed further documentation but I was not advised as to anything besides an appraisal and a letter that was needed, and I was informed that there was no information that could be sent in regards to confirming what was needed to do so. 

XX/XX/2021 Scheduled the appraisal for XX/XX/2021 paid {$370.00} for the report XX/XX/2021 Received the appraisal report and sent to BSI for removal of PMI Sent with a copy of the appraisal, last mortgage statement, and a signed letter in regards to my request XX/XX/2021 called back in to check on status and that it was received, it was not, so I forwarded the original email and confirmed receipt XX/XX/2021 by a representative XX/XX/2021 Received a call that a letter in regards to property improvements was needed to now remove PMI. This was never advised and no information stating that was ever given to me in any initial calls. I asked what kind of improvements were needed and why, the representative stated that there had to be a reason as to why value improved. I was confused and did not know what upgrades/improvements so I made a list and sent it. Called to make sure it was received and was told 30 days later I would have a decision. 

XX/XX/2021 Called BSI to check a status on the request since it had now been 30 days. Was advised that I would get a call back because they didnt know a status per the notes. Got a call later in the day that mortgage insurance would not be removed due to not having enough value I was told I was at 90 % loan to value, even though my appraisal shows {$350000.00} and my loan amount is under {$270000.00}. I was told that I would get a call back about what appraisal value I was needing to be under 80 % I spoke with Fannie Mae on XX/XX/2021 as well and learned of the online servicing guide which tells exactly what is needed and what requirement must be met to remove PMI. This was never mentioned. I also learned in a later phone call to XXXX XXXX that an appraisal that I ordered would never be useful in the removal and was not acceptable as a document to remove PMI and that it had to be ordered by the servicer. 

As of XX/XX/2021 I have not received a call back and am currently on hold because on XX/XX/2021 when I called back to inform that I knew I had spent money now for no reason, I was told that I would get a call again and it looked like I would get an exception. Now I have been told that I can dispute it via mail, got sent to a supervisor voicemail, and am still on hold after I called back.
Product: Debt collection

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have disputed several inaccurate items on my XXXX, Equifax XXXX XXXX credit report, which appear under the names XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Actparticularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( A ) I have requested that they provide a valid contract or agreement bearing my signature to verify these accounts. If the data furnishers fail to provide this evidence within 30 days, these items must be removed. I request the CFPBs assistance in ensuring compliance with the law and the timely removal of any items that can not be properly verified. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Me and my dad have the same name and he used my information to open a card. He did identity theft on me
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent accounts on my credit report, and I demand their immediate and aggressive removal. The impact these unauthorized entries are having on my credit score is unacceptable, and I expect your urgent attention to rectify this situation without any further delay.

Upon reviewing my credit report recently, I was shocked to discover multiple accounts that are unquestionably fraudulent and have been falsely attributed to me. The inaccurate information associated with these accounts is not only damaging my creditworthiness but also casting a shadow on my financial standing. 

The fraudulent accounts demanding your immediate action are as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX  XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the legitimacy of these accounts and insisting on their swift deletion from my credit report. I will not tolerate any further negligence or delay in this matter, and I demand that you conduct a rigorous investigation to promptly correct these inaccuracies. 

Attached to this letter, you will find supporting documentation, including a detailed account of the fraudulent activity and any evidence I have gathered to substantiate my claims. I expect your team to treat this matter with the urgency it deserves and ensure the immediate removal of these erroneous entries. 

Your failure to resolve this matter within the next 15 days will leave me with no choice but to pursue legal action against your bureau for non-compliance with the Fair Credit Reporting Act ( FCRA ) and the severe damage this negligence has caused to my financial standing. 

I trust that you understand the gravity of this situation and will take immediate and aggressive action to rectify the inaccuracies on my credit report. I anticipate a written confirmation of the removal of the fraudulent accounts within the specified timeframe.
Product: Debt collection

I was made aware of a voicemail. The caller stated their name, no company and a file number. Prior to returning the call, I was able to discern the call came from Oxford Law LLC, a debt collection office. This is the first time I have knowledge of attempting to be contacted by this office. The caller did NOT leave the mini miranda in the message as required. I subsequently left a message for the caller stating i was recording the call ( whichi did ), advised I was not admitting to any debt, and requested a written disclosure be sent ( being they had made first contact ) to me in the mail. I left my home address. The same caller leaves a message again the following day, stating she really needs to speak with me.
Product: Debt collection

VSG Contacted my step-daughter and told her I had a {$1600.00} bill that was getting ready to go to collections. I do not know how they got my step-daughters phone number and they definitely shouldnt be discussing my debt with her. Attempts to contact VSG today have been unsuccessful. I will update with any further communication from them.
Product: Payday loan, title loan, or personal loan

I obtained a personal loan through XXXX XXXX - XXXX XXXX XXXX XXXX, for a XXXX procedure. The initial XXXX  caused XXXX XXXX issues, and I have had to move to a specialist to fix the damage. The initial XXXX, XXXX, returned the money to XXXX XXXX on XX/XX/XXXX, 2017. As you can see from the attached Documentation, XXXX XXXX XXXX XXXX XXXX XXXX, received the money at the end of XX/XX/XXXX. I  waited to be reimbursed for two months. After two months time I contacted XXXX to inquire where my money was : XX/XX/XXXX - spoke w/XXXX & supervisor to have my refund deposited directly to my bank account by giving them my banks routing number and my individual account number. Given confirmation # XXXX ( which really turned out to be XXXX employee I.D . ). I was told it would be done by electronic transfer, which could take 714 days to complete. 
XX/XX/XXXX- Spoke to XXXX & supervisor XXXX. Asked if any progress had been made in directly depositing my refund to my bank account. I was told it wouldnt be more than another 7 days. 
XXXX - Spoke to XXXX XXXX. Told her that I had neither received the refund amount directly to my bank account, nor had I received a refund check. I indicated to her if the refund was not posted to my bank account by the end of business day yesterday, I would be forced to file a complaint. The money was never deposited. I paid almost 24 % interest on this loan. Is XXXX going to reimburse me 24 % for the additional two months they have held my funds?
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX  - CARD SERVICE XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a copy of my LexisNexis consumer report, after receiving and reviewing my report I noticed various inaccuracies with my personal information listed, on XX/XX/XXXX I mailed a dispute letter directly to LexisNexis asking them to fix this inaccurate information, it is now XX/XX/XXXX and I still did not receive a response from LexisNexis.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred despite having insufficient funds when transaction were authorized I was charged fees due to lagged posting of charges and credits .this issue aligns with the recent CFPB findings against navy federal credit union for Similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as an instance of non-compliance with the Fair Credit Reporting Act ( FCRA ) and to request your assistance in resolving this matter.

Under the FCRA, credit reporting agencies, furnishers, and other related entities have a duty to ensure the accuracy of consumer credit information and to comply with all provisions of the Act. Negligent non-compliance, as defined under 15 U.S.C. 1681o, imposes liability on those who fail to adhere to these obligations. 

Specifically, my concern involves the following : Entity Responsible : XXXX credit reporting agency Description of Issue : Failure to adequately investigate my dispute claim outside of a generic reply Relevant Details : collections account is listed as XXXX XXXX and the account is stated to have opened on XX/XX/XXXX and closed on XX/XX/XXXX for an amount of {$1700.00}. Additional account was from XXXX stated to have opened XX/XX/XXXX and closed XX/XX/XXXX with an alleged balance of {$110.00} Impact on Me : My credit report has been adversely impacted by negative collections claim which have directly affected my access to financial products which would change my livelihood for the better and improve my financial success. 
Despite my prior attempts to address this matter directly with the responsible party, they have failed to resolve it adequately. I have attached copies of my correspondence with [ responsible entity ] and any supporting documentation for your review. 

Pursuant to 15 U.S.C. 1681o, I am seeking resolution of this matter and wish to highlight the negligent non-compliance that has caused me harm. I request that you : Investigate the issue thoroughly.

Take appropriate enforcement action against the responsible entity. 
Ensure that the inaccurate information is corrected or that the issue is otherwise resolved. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX  trying to collect a debt they took over the property the attorneys  XXXX   XXXX   XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy well over 8 years ago, it's still showing on my credit report and causing me credit problems.