23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX who has reported inaccurate and misleading information on my credit report, violating federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here is a detailed account of the issue : Loan Origination : I originally obtained an auto loan for {$9600.00} in XX/XX/XXXX with Account Number XXXX XXXX XXXX XXXX  Vehicle Return : In XX/XX/XXXX, I returned the vehicle to the lender and expected the loan balance to be adjusted accordingly, given the resale of the vehicle. 

Initial Balance Update : After returning the vehicle, XXXX XXXX updated the loan balance on my credit report to {$5000.00}, assuming the loan was properly adjusted to reflect the resale value. 

Disputed Balance : In XX/XX/XXXX, XXXX and XXXX of XXXX, I disputed the balance of the loan with the XXXX XXXX XXXX, as I noticed discrepancies with the reported amount. To my shock and dismay, XXXX XXXX responded by increasing the balance to $ XXXX balance that is both incorrect and inflated. 

Violation of Federal Laws : This action clearly violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the reported amount is inaccurate, misleading, and without justification. The increase in balance directly contradicts the documented events of the loan and resale, and it has had a detrimental effect on my credit score and financial standing. 

The actions of XXXX XXXX  are wholly inappropriate and, frankly, illegal. I demand that the CFPB investigate this matter immediately and take appropriate actions to ensure that my credit report is corrected and that this company is held accountable for its misleading and unlawful conduct. 

To resolve this matter, I am requesting the following : Immediate correction of my credit report to accurately reflect the loan balance after the vehicle return and resale. 
Investigation into the actions of XXXX XXXX specifically the wrongful increase of the balance. 
Removal of any negative impact on my credit report caused by these inaccurate reporting actions. 
Appropriate penalties for the violation of federal laws under the FDCPA and FCRA. 
I have attached documentation supporting my claims, including my original loan agreement, return receipt, and correspondence regarding the dispute. 

I expect your prompt attention to this matter and look forward to a timely resolution. Should you need any additional information or documentation from me, please do not hesitate to reach out.
Product: Credit reporting or other personal consumer reports

SYNCB/SYNCHRONY MUSIC pulled my credit on XX/XX/2022. Federal laws broken are 15 USC 1681 A 1-6. This was an invasion of my financial privacy.
Product: Checking or savings account

I was at the drive thru Bank of America ATM at XXXX XXXX in XXXX XXXX CA XXXX on XXXX at around XXXX. I deposited a {$120.00} check and {$350.00} in cash at the ATM. The ATM took both deposits without an issue, but it never formally generated any receipt and it just kicked me out of the system. The transactions don't appear anywhere on my account and now my {$470.00} deposits are all gone. I tried to call the number given to me at the ATM, but their voice system refuse to connect me to anyone. I would like to request the CFPB to step in and see what is going on. It is not acceptable for Bank of America to misplace people 's cash at the ATM. This needs to be fixed ASAP as I need this deposit to make my car payment. 

The dash cam on my car caught the entire deposit sequence of me putting a check and cash into the ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

Account Information : Creditor Name XXXX XXXX XXXX  Account Number : XXXX I am well aware of my rights under the FCRA, which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor. 
Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature. 
Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account. 
Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights.

I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I want to dispute debt because this is not my debt. I did not sign up for a credit card from this company. Social security number is being used by someone else.
Product: Vehicle loan or lease

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

Our previous Insurance company for our business ( XXXX Workers Compensation insurance policies ) has made numerous errors on our account that began in XX/XX/XXXX. Our premium doubled without explanation and we continually were trying to gain insight and rectify our account with XXXX, since then. We originally obtained this insurance with XXXX through XXXX ( XXXX, was our agent ) .We will attach the appropriate documents ( which are all correspondence via email ) - which will clearly display the errors, acknowledgments, unprofessionalism and incompetency that was shown and communicated to us by XXXX , XXXX and ( the now ) collection agency ( Brown & Joseph , Ltd ). XXXX ( of Brown & Joseph ) was the last communication that we had with respect to our situation and account. We proposed good faith payment plans via phone and email with XXXX ( and also through emails, previously, with XXXX of XXXX ) - neither company was willing to accept our payment plans that we offered ( based on what we were able to afford ) as they felt our terms were unacceptable. XXXX was passive-aggressive and threatened that if we did n't have payment by XXXX on Wednesday, XX/XX/XXXX he would take us to court and by that following Monday we would be calling him back to start calling him names. When we questioned him as to why he was speaking this way to us, he repeated himself. All we wanted to do is rectify and move on from this awful situation that was created by XXXX, lasted 8 months before actual numbers were finalized, and at this point- all parties are making us feel like 'they ' are the victims.
Product: Vehicle loan or lease

I submitted a payment on XX/XX/XXXX via the GM Financial XXXX XXXX. I received a confirmation email for this payment. I have logged back on on about 20 times between XX/XX/XXXX and XX/XX/XXXX to pay for the next month. I get error messages every time I try to pay. I can not access my balance anywhere in the portal. When I login it says that I " missed a payment ''. This is not true. I paid my first payment on this lease on XX/XX/XXXX and do not have the ability to pay this months bill. From XX/XX/XXXX-XX/XX/XXXX I have called an estimated 15 times each day. I can not get anyone to answer the phone. Most times I get a voice recording that says they are having " System errors '' and then the phone hangs up. This is absolutely ridiculous. This is unbelievable that a company would make it this hard to pay them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting bureau has not removed " XXXX XXXX '' account from my credit report after I provided evidence to TransUnion that " XXXX XXXX '' can not provide proof of contract between I and " XXXX XXXX  '' for the collections account in question.
Product: Checking or savings account

This is related to complaint number XXXX submitted on XX/XX/20. I have not yet received a response to my initial complaint. 

I contacted BMO Harris Bank on XX/XX/20 to find out where my debit card or bank statements were for my checking and savings accounts. I deposited {$3000.00} with BMO Harris Bank on XX/XX/20 and have no access either online or by phone. Please see previous complaint. 

When I contacted BMO Harris bank today ( XX/XX/20 ) I asked for assistance with my accounts and was told I needed to go to a branch. I told the CSR that I am affected by COVID-19 and am in the State of New York for an indefinite period of time and the branches are located in the XXXX Illinois area. The CSR said she could not give me any information on the accounts and abruptly ended the call. 

At this point I dont how to proceed. I am extremely concerned that I have lost my {$3000.00}. I did not receive a phone call, email or USPS mail about my {$3000.00} and have no way to access my money. I do not have a debit card to access my money, I am stuck in the State of New York because of COVID-19 for an indefinite period of time and BMO Harris Bank refuses to talk to me about my accounts. 

I am very concerned I will have to drive or fly to the XXXX area to get my {$3000.00}. Its very possible I could have long term health damage because of BMO Harriss irresponsible behavior. Additionally due to the COVID-19 pandemic, if I traveled to XXXX, I would need to quarantine upon my return to New York for 14 days. BMO Harris is causing enormous hardship and emotional distress because they are withholding my {$3000.00}.
Product: Debt collection

On XXXX XXXX 2016 at XXXX XXXX there was a call place to XXXX, XXXX XXXX XXXX, XXXX in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.
Product: Mortgage

In 2009 my grandmother obtained a short sale home for 5 % of {$140000.00}. She learned about reverse mortgage from the tv ads we have all seen about them claiming no payments, you can live in your home comfortably, and they are government backed ( being government backed is part of their deception, it 's not a government program like grants, or cash for clunkers, it means absolutely nothing, they sold our debt to XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX claimed to be the original debt holder. ). The dvd they gave to explain their service says reverse mortgage is for people who want money ( i still have it ). What this company did was give an itemized sheet that says the principal amount was {$150000.00} and points out they will pay the old mortgage and even provide money for repairs. The closing papers mention a loan amount for {$270000.00}. That is a difference of {$120000.00} that no one in my family has seen a dollar of, but they ruined my grandmother 's credit for {$270000.00}, which raised the property taxes of the house to $ XXXX/year, the next door neighbor pays {$1500.00} and is n't even old enough for homestead. If the house was just short sold for {$140000.00}, which is the value, how could they take {$270000.00} from the house is a mystery. But let 's say the house is worth {$270000.00}. Normal banks offer 70 % of the value of a house which is {$190000.00}. So that would mean my grandmother had about {$52000.00} of accessible equity in her home. But instead they kept every penny, raised the taxes, paid the taxes that we could n't pay with money they stole, while charging us interest. They used this to say we were in default. We submitted a bankruptcy and the trustee worked closely with the mortgage company, the trustee even went as far as lying, and changing documents when we have transcipts to prove what they have done. The company is RMS ( Reverse Mortgage Solutions ) and the lender is XXXX XXXX XXXX XXXX. When we asked for relief, they told us they would accept no less than {$140000.00}, but remember they gave us no money and are holding {$120000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXXXXXX XXXX XXXX Balance : {$8600.00}
Product: Mortgage

I received my property tax bill for XXXX in the mail in XX/XX/2024 for {$7200.00}. I happened to look at my mortgage account statement and the taxes paid from my escrow account were triple the amount of the tax bill in total {$21000.00}. I called the mortgage company which is PHH Mortgage and they said they would do an investigation. In XXXX of 2024 they said there is nothing wrong. I questioned it further because the tax IDs on the payments from the escrow account are different. On XX/XX/2024 PHH Mortgage admitted over the phone that they paid other homes ( that I do not own ) property taxes from my escrow account. They have not corrected the issue or even clarify on how the issue can be fixed.
Product: Credit card or prepaid card

ON XX/XX/XXXX " XXXX '' ASSURRED ME THAT THE {$29.00} RETURN FEE DUE TO XXXX XXXX XXXX ERROR WOULD BE REMOVED. 
I HAVE BEEN A CUSTOMER SINCE XXXX, AND HAVE NEVER HAD A PAYMENT RETURNED. IN FACT, PAYMENT OF {$85.00} WAS NOT EVEN DUE. I HAVE MADE A TRANSFER OF XXXX TO A DIFFERENT CARD AND THE {$29.00} FEE STILL REMAINS.
Product: Bank account or service

In XXXX, Scottrade admitted that almost XXXX XXXX customers has their personal information exposed to hackers in XXXX and XXXX. I was XXXX of the victims who had their personal information exposed and let me tell you, despite what Scottrade says about the breach only including " address information '' the breach exposed at least the following : 1. ) my password, which was poorly encrypted. 
2. ) my SSN, which was stored in plain text. 
3. ) my bank up questions. 
4. ) et al. 
The information accessed lead to a particularly bad instance of fraud which is still being investigated by policy today. In XXXX, a number of Scottrade accounts was hacked with over a XXXX dollars in fraudulent trades being conducted. Scottrade denies thus, but I was XXXX of the victims. 

I am writing this complaint with the CFPB to set the record straight, Scottrade knows that the hack compromised individual account and the monies within the accounts yet it claims that user are at no risk. 

Please do us all if favor, if you are an account holder, close you account before it is too late, if you do get hacked, Scottrade will make up a story and blame you for it.
Product: Vehicle loan or lease

I traded my vehicle in to carvana. That vehicle had low miles and NO ISSUES whatsoever. The vehicle I received in return has had SECERAL ISSUES that I made carvana aware of. I got the vehicle in XXXX of XXXX and it had XXXX miles on it. Today, XX/XX/XXXX it has XXXX miles on it because I haven't been able to drive it the majority of the time I've had it. It has been in and out of the repair shop. When I tried to add the carvana care ( extended warranty ) it did not give me the option... which I would also like to note that the vehicle that I was trading into did not offer it either. The previous repairs were covered under their XXXX XXXX XXXX  warranty and the vehicle was put into the shop on the very last day of that warranty. Fast forward to present, a supervisor named XXXX approved me to trade the vehicle in buy when the new vehicle was to be delivered, they refused. The field rep named XXXX told me that my best bet was to do a voluntary repossession. I told her that would ruin my credit and she shrugged her shoulders and proceeded to drive away.
Product: Debt collection

I disputed with XXXX XXXX a bill of {$100.00} that was not correct and only due because I stopped their service back on XX/XX/XXXX. I saw it on my credit report, disputed it back in XXXX and it was deleted from XXXX per dispute XXXX found to be a bogus claim. Again I am checking my credit reports in XX/XX/XXXX and XXXX said they sent me a collection notice on an bill over 5 years old that was adjudicated back in XXXX! This was just disputed with XXXX report XXXX XXXX XXXX on XX/XX/XXXX and removed on XX/XX/XXXX. XXXX. I put in a dispute with XXXX dispute # XXXX around the same time above and they Estimated month and year that this item will be removed from my credit report is : XX/XX/XXXX. They can not put this back on my XXXX  credit report because they know this is a bogus collection.
Product: Debt collection

Sir/Madam, I am writing this letter to formally dispute the validity of a debt that you claim I owe. I received a collection notice from your organization asserting that I owe a debt related to Account No. 

XXXX. Verification of the Debt : Please provide a detailed written statement, including the original creditor 's name and contact information. 

XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 

XXXX. Full Account History : I would like to receive a complete account history of all statements and transactions related to the debt. 

XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract agreement, if applicable, that demonstrates my obligation to pay this XXXX. Documentation on Your Licensing : Please furnish me with your age licensing and registration information, as required by the relevant state laws. 

Please consider this letter as a formal dispute of the debt, and I kindly ask you to respond to this dispute in writing within XXXX days of receiving this to provide the requested information within this time frame will be a violation of the FDCPA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX XXXX XXXX, PNC charged me 5 or 6 overdraft fees. I had the money in my account to cover my bills and expenses but they sent all of my bill payments back which caused my checking account and my payments to be completely messed up until I closed the account in XXXX. I discussed it with several people at the bank but they automatically figured I was lying. My account became overdrawn every month because I pay my bills on the XXXX of the month. Before I knew they had already taken half of my Social Security XXXX check this kept going on and on. they would tell me that they would investigate but never sent me anything about what they found. Now my credit score and credit checks is completely destroyed.