23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputing Incorrect Charges on Debt Collection, I hope this message finds you well. I am writing to formally dispute certain charges listed on the debt collection account in my name, which were originally sourced from XXXX XXXX.Upon reviewing the documentation provided by your office, I have identified discrepancies that warrant further investigation. It appears that some of the charges listed may have been erroneously applied by the originating party, XXXX XXXX. As such, I request your assistance in resolving these discrepancies promptly.I kindly ask that your office provide a detailed breakdown of the charges currently listed on my account. Furthermore, I request that you liaise with XXXX XXXX  to verify the accuracy of these charges and to rectify any errors that may have occurred.It is essential to me that the information reflected on my account is accurate and fair. Therefore, I urge you to conduct a thorough review of the charges and provide me with an updated statement reflecting any necessary adjustments.Please acknowledge receipt of this dispute letter and provide me with a timeline for the resolution of this matter. Your cooperation in addressing this issue is greatly appreciated if we are not able to resolve the charges perform by XXXX XXXX this matter will have to be review by a lawyer .Thank you for your attention to this matter. I will be expecting your response promptly through email given that I need record of all the conversation hold by either party. 
Never reciben an answer from XXXX or XXXX which they impacted my credit. I have reached out many times to XXXX and never received anything and the debt collection office is not even telling me what the charge is on I have proof and emails that the charges to break down the lease where made.
Product: Checking or savings account

On XXXX XXXX, I deposited a money order drawn on XXXX XXXX XXXX I was advised by my bank that {$200.00} would be made immediately available and the remainder would n't be available until XXXX XXXX. 
On XXXX XXXX I discovered that my account was locked. I immediately contacted B of A Customer Service and was forwarded to Risk Management and advised that my account was being closed due to the recent deposit of {$1400.00} being a counterfeit check. I immediately contacted the person who had given me the check and confronted her to which she responded by calling her XXXX XXXXXXXX XXXX XXXX. She put her phone on speaker so that I could hear her speak with customer service. She then went to her bank and got a print out of the front and back of the check and I took it to my bank. The customer service representative XXXX ( manager ) contacted risk management to discuss the proof that I had. The person on the phone said that the account was still being closed and that there was nothing I could do. I asked for a supervisor and was transferred to someone named XXXX who then spoke to XXXX to discuss what proof I had brought in and she instructed him to fax everything to the back office. He faxed everything and they said they needed 3 business days to sort through everything and make a decision. My dilemma is that my car payment has bounced due to my account being suspended. My utility bill has bounce. These companies are now penalizing me for paying late and I can not write checks anymore. B of A has not even apologized. And they are taking there time. It 's not like I can take the money out and pay my bills. My money is on hold. I have been borrowing money from people. 
I just feel that when any institution accuses you of a criminal act such as trying to cash a counterfeit check, that they should be quick to resolve it and stop the injury that has been caused. 
This has been a huge inconvenience to say the least. Hopefully this will be resolved by tomorrow which will be the 3rd business day. I appreciate any follow up your company can do. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Date of Birth is XX/XX/XXXX. My social is XXXX. Please do not respond to this complaint saying you can not locate me in the system as I know this is a stall tactic and i provided my ID for this reason. 


I reached out to XXXX XXXX on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. I attached the enclosed information. I filed a CFPB complaint on XX/XX/XXXX advising that the information was not validated. They responded advising that they validated the debt by sending the information that was merely the name of the original creditor and alleged dates of service and amount owed. I filed another CFPB complaint on XX/XX/XXXX advising that XXXX has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. This company violated my privacy in which I am protected under HIPPA laws. They sent my medical records WITHOUT a HIPPA release form. I never gave covenant medical group permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. This company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Since you are the reporting agency reporting this information that is inaccurate and violating my rights, I will include your company in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. These accounts need to be deleted off my credit report expeditiously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered fraudulent account that I did not initiate. 

account XXXX XXXX account number XXXX date opened XX/XX/2021 balance XXXX XXXX This unauthorized account have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent account as it may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of this account has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history.

I demand immediate investigation and removal of this account from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious account in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Debt collection

30 days ago I sent a dispute letter to SYNCB asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Product: Checking or savings account

on XX/XX/XXXX received a stipend check from the University I attend in the form of a Pell Grant. I brought it to Wells Fargo branch in XXXX XXXX Florida. My original intention was to cash the check however they wanted to hold it for 2 to 3 days and not allow me access to any of the funds until it was processed. I told the bank teller not to process the check and to give me the check back so I could bring it somewhere else. The bank teller showed me the computer screen that it said stop payment on my check and he gave me back the check. After I had went to another place to cash it I brought back the cash to Wells Fargo and deposited cash into my checking account. Now on XX/XX/XXXX I checked my bank account and I was negative - {$540.00} in my checking account. The bank said because of the teller error I was now responsible for the - $ XXXXand even though they realize they made an error at the bank and process the check without my consent I am still responsible for the money. They took all of my money out of my bank account and left me with {$0.00} in my savings account. I need some type of resolution hear the bank at Wells Fargo offered me no help. I should not be held responsible for a bank error and especially when I made it very clear not to process the check and Wells Fargo did it anyway. I understand that they added additional funds to my account and those funds were used however I had a substantial amount of money in my account at that time, I was not looking at my account every day to see how much I had. If those funds were never put into my account like I wanted and made very clear that I did not want it to be processed through Wells Fargo then I wouldn't be in this predicament. Wells Fargo is taking zero responsibility for the error they made. I have very little money as it is and for me to pay back something over {$500.00} is very serious for me. I've been a customer of Wells Fargo since XXXX and I've never done anything wrong with my account or had my account Falls so low into the negatives. I think that should at least be taken into consideration also. Now that they took all of my money I am at risk of being homeless because I can't pay my rent. They left me flat broke because of an error they made. I need some type of resolution. I was given a case number from Wells Fargo if that helps at all. It is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inquireies with the CRA 's and with the companies. they came back verified. XXXX requesting proof i have yet to receive actual proof. i have filed an idenity teft report with the ftc as well the following inquiries are fraud Transunion- 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I am a XXXX with private loans. Navient has been calling me to request that I start repayment, since my grace period of 4 years is over. I have spoken to them several times and have described my situation as follows : I am still in school. My program does not allow me to find work besides the assistantships that they require me to fulfill ( this is standard in the field in which I am pursuing my degree ). As a result, I am unable to procure for myself additional income. This is of importance because my stipend only covers my basic necessities. I have gone over my finances with them multiple times, in detail. I have shown that I am unable to repay at the moment. Whenever I offer to pay the amount that I am able to pay ( $ XXXX- {$100.00} per month ) they have rejected it saying that it is not enough. They claim that they are willing to help, however, in the end, if I do n't pay the minimum amount ( which I can not afford ) they will not compromise. In addition, I have colleagues that are also past their 4 year grace period and they are not being asked to repay. This fact is only to say that I wonder why I am being targeted and why they are unwilling to work with me. I wish that I could talk to someone to make an appeal, but I am only ever able to speak to associates that pressure and harass me and do not try to work with me on this issue. 
I would greatly appreciate any help. I am not trying to get out of repaying, I just have not completed my program and I worry about next year also because I still have one year of internship to complete, where my income will also be limited. 
Thank you.
Product: Checking or savings account

I do not have time to report all the gory details, but JP Morgan Chase has systematically degraded services on a joint checking account that I have in numerous ways. One of many examples is its denying either me or the joint account holder from sending XXXX payments, even after it has received and credited a payment to us from the very person we are trying to pay. Such is the case on XX/XX/year> when it credited a payment to our account for {$1.00}, then repeatedly cancelled payments we tried to send to the same payer for the same amount. 

As though this werent bad enough, it also repeatedly falsified the record by claiming, verbatim, At your request, we canceled your payment and wont process it. In fact, the exact opposite was true : we repeatedly, under our individual names, tried to make many XXXX payments and repeatedly read that JPMC had cancelled all of them without reasonable cause, other than the fabricated stated one that one or the other person on the account had requested that it be cancelled. Many of the excessive number of problems, all of which involve one kind of false claim or another, seem to be centered in JPMCs so-called security department which has lied to me or to the joint holder repeatedly. 

This bank has permanently blocked me from sending XXXX payments. It falsely claims that it will send a code to a phone, then repeatedly fails to do so. The last attempt I made to resolve these problems, I was on the phone for an hour or more, talked to at least 5 people, in 2 or more countries, 2 of whom hung up on me and at least as many who claimed they would send me a code or call me and repeatedly failed to do either. Finally, I stopped calling back, since it became clear that I was dealing with an utterly unaccountable ( ironically enough, security or fraud ) department. 

In the last few days, whenever we sign into online banking, the website claims we are signing into JP Morgan instead of Chase. However, the service, if anything, is worse since this conversion occurred than it was before, when each person on the account has been able to send at least one or a few payments via XXXX in the last year or so. Now neither can, for clearly false reasons fabricated by JPMC. The CFPB should determine if other account holders at JPM have had the same kind of degrading services as we do ; if not, it begs the question of why a selective number are subject to the poor and worsening service. 

Along with several other problems I have reported about this bank going back several years, the service has been poor and is now radically worsening, such that we both have been barred from using a widely advertised service of this bank. 

Whatever the CFPB has done to sanction this bank in the past, it is ineffective. The service on this account is degrading, steadily and relentlessly, progressing from one of the account holders to the other. There is no excuse for it or for whatever reason any regulator appears to be hapless before the worsening of services, selective, targetted or not.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must remove these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

About 5-6 months ago early morning I received a call from someone claimed representative of Western Union, I was immediately informed what the call is all about. Per caller it's " Consumer interview '' and told me Ill be ask to provide some personal information in order to continue the use of their service. I asked if it's a mandatory and the caller said no, in response I said I don't want to participate and don't want myself to get involved, the caller responded saying I might loose my Western Union access sending money local/international if I didnt participate. I explained, I have no issues whatsoever participating and providing information to anyone or anybody specially if it's government/federal required, I continued and said my only concern is the authenticity of his call as I dont know if hes really from Western Union as he claim he was. I continued and even ask if there's any number I could call from Western Union or other means to do it so I could provide the company what information they might need to continue my use of their service, I explained further that my hesitation and non-participation to phone interview is due to the recent incident of hacking to my wife 's email account whereas Western Union MTCN I sent her was compromised. Call lasted about 5mins and ended without giving me any other option, caller just reiterate that I might loose my Western Union access sending money. Weeks later I found myself loosing access with all credits in it I earned from using the services. I called Western Union dozen times to report what happened and was told many different things i.e. System glitch, System maintenance and many others and that I could try again next time but still no luck. Few more phone calls and long hours wait before I finally redirected to the right team, they explained what happened and what needs to be done to rectify and reinstate my account, I was compliant with ALL requirements they need and ask of me, unfortunately 5-6 months passed and the issue hasn't been rectified.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i reported XXXX  re-aging my account to experian and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' experian said they did an investigation and the re-aging dates were still on my account. 
as per the attachment experian never did an investigation or made sure the debt was valid on their site. 

experian let XXXX re-age my account for their persoanl gain. 

experian complied with XXXX and since experian gets paid by XXXX to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.