23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.
Product: Debt collection

Subject : Formal Dispute of Debt Collection and Request for Deletion from Credit Report Dear Sir/Madam , I am writing to formally dispute a debt collection listed on my credit report by [ SPRINGOAKCAP XXXX ]. I assert that I do not owe the debt, and I request that this account be fully investigated, verified, and ultimately removed from my credit file. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof of the debt and the right to collect it. Debt collectors are legally required to provide documentation that substantiates their claim. This documentation should include, but is not limited to : 1. Forward Flow Agreement This agreement must demonstrate the assignment of the debt to the collector, establishing their legal right to collect on it.

2. Chain of Assignment Purchase Agreement The collector must provide a clear chain of custody for the debt to show that it has been transferred or sold to them from the original creditor.

3. Insurance Claim of Debt If applicable, the collector must provide any proof of an insurance claim or payout related to the debt, validating their claim to be the rightful creditor.

4. Your Signature Agreeing to Pay I request proof of my signature or any binding agreement that supports the collection of this debt. 
If the collection company can not provide this proof, I am entitled under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) to have the debt removed from my credit report. Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ), the credit reporting agencies are required to investigate and delete any information that can not be verified as accurate or legitimate.

I am also invoking my rights under Regulation F ( 12 CFR 1006.34 ), which mandates debt collectors to validate the debt and provide the necessary proof upon request. The failure to provide such proof within 30 days constitutes a violation of my rights, and I demand that the collection account be removed from my credit report and that no further collection efforts occur without proper validation. 

If this debt can not be properly verified, it must be removed immediately from my credit report. I expect full compliance with the above-mentioned laws and request that the CFPB intervene on my behalf to ensure that this collection account is deleted from my credit record and that my rights are upheld. 

Please confirm receipt of this letter and update me on the status of your investigation as required by law. 
Sincerely, [ XXXX XXXX XXXX
Product: Credit card

I filed complaint and got the response with " Unable to issue the welcome bonus miles '' They keep saying I only spent {$19000.00} under the qualified purchase period. BUT, The American Express XXXX XXXX offer : Earn XXXX Membership Rewards Points after you spend {$20000.00} on eligible purchases with your Card in the first 3 months of Card Membership. It clearly says " first XXXX months of XXXX XXXX '' not mention " from the card opening date! '' like regular American Express XXXX offer. 
I double checked both card offers and it was different!!! I believe I'm qualified for my XXXX points because I spent more than {$20000.00} for the " first XXXX months of Card Membership ''. IT IS TOTALLY MISLEADING THE CONSUMERS! I'm going to send this action to ALL social media and let people against it. Do not Use American Express card!!!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XX/XX/XXXX XXXX Date Opened : XXXX/XXXX/2017 Balance Owed : {$0.00} - Late/closed
Product: Credit reporting or other personal consumer reports

I literally gave every single law that was violated and broken according to their books UCC USC and blacks law dictionary yet you all say that no violations were noted which is a lie because I can prove no investigation was done period According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law Or should I send the entire 7 books that prove these companies are in full violation and now this company as well due to the fact that you never did an investigation at all.
Product: Checking or savings account

It is difficult or impossible to communicate with Optum Bank customer service, which is located in the XXXX. The customer service reps can not hear customers because the Optum Bank phone system is chronically broken. 

I made several phone calls today to Optum Bank customer service and on most calls, they could not hear me. I tested my phones by calling other companies and the calls proceeded perfectly. 

This is a chronic problem that Optum Bank has had more than ample opportunity to resolve.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to formally lodge a complaint regarding the charged-off debt associated with my account, which was charged off on XX/XX/year>. In addition, I have not received a release of title or the required 1099-C form for the cancellation of debt, and your company is still attempting to collect on this debt. This situation is in violation of the Fair Credit Reporting Act ( FCRA ) and may be construed as fraudulent conduct.
Product: Credit reporting

This is not a Duplicate. 

I have tried to escalate this matter to Equifax multiple times without success on XXXX XXXX XXXX Account XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XXXX/XXXX/XXXX - XXXX USPS Certified mail - XXXX/XXXX/XXXX - XXXX I have tried bringing this to Equifax multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and Equifax repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for Equifax XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX This account showed up on my credit report on XXXX, XXXX for a balance of {$670.00}. This current Equifax report on XXXX XXXX, XXXX Confirmation XXXX and XXXX XXXX, XXXX Confirmation XXXX both states a repetitive response that Equifax verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XXXX XXXX, XXXX. I have a copy of my lease which I 'm attaching. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XXXX XXXX, XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 @ XXXX a Zelle XXXX for {$60.00} from XXXX XXXX was sent to my XXXX XXXX XXXX XXXX XXXX account registered to XXXX. I received an email from XXXX stating that they were unable to deposit the money into my account, they returned the money back to XXXX XXXX 's account. Being as though the transaction failed, on XX/XX/2023 @ XXXX I sent a money request to XXXX XXXX XXXX account. She accepted the request, and the money was deposited into my account. On XX/XX/2023 I tried to login into my online banking app and could not access my account. 
It said that I had to contact them via phone to fix this issue. I received an email @ XXXX saying that my email registered to my Zelle account was deactivated and could not be used to send or receive money. I called XXXX and they informed me that Zelle flagged my account for suspicious activity and due to that my account is closed indefinitely. I appealed the decision and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I got laid off from my full time job at four months pregnant with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to XXXX before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform XXXX and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had XXXX control of. So now I have one negative mark on 22 loans with XXXX, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at XXXX had a XXXX, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has XXXX remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a government contractor, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with XXXX. XXXX XXXX email : XXXX XXXX
Product: Checking or savings account

I HAVE A BANK OF AMERICA CARD THROUGH UNEMPLOYMENT BECAUSE OF FRAUD ISSUES MY ACCOUNT WAS FROZEN NOW UN FROZEN BUT THEY MADE MY ACCOUNT NEGATIVE OF FRAUD CHARGES OF XXXX AFTER THEY SENT A LETTER STATING THE ISSUE WAS CLOSED AND INVESTIGATION FOUND THE CARD HAD FRADULENT CHARGES AND WHEN THEY FROZE MY ACCOUNT THERE WAS TWO PAYMENT OF XXXX TO BE DEPOSITED AND THEY WERE RETURNED I CALL THEY BLAME EDD EDD SAYS ITS BANK OF AMERICA BUT IM OUT XXXX AND NEED MONEY FOR BILLS BANK OF AMERICA I WAS ON HOLD FOR 3 HOURS THEN IT SAYS TO BUSY TO TAKE YOUR CALL AND HANGS UP
Product: Vehicle loan or lease

My husband 's card was hacked and they got his entire paycheck. I contacted the finance company to attempt to defer a single payment. I was informed that there were no deferment options due to policy charges that were not passed on to the customer. They continuously change their policies and never inform customers about the changes. My loan is nearly paid off.
Product: Checking or savings account

Bank of Ozk closed my checking account and I still had remain balance in there, but I didn't receive my funds
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXXXXXX To response CFPB complaint XXXX XXXX. XXXX, Bank of America stated that the account received the earned interest credit of {$16.00} on XX/XX/2023, based on the XXXX APY earned. My account only received {$0.00} on XXXX XXXX as per the attached statement. If BOA can even lie to CFPB, of course they can mislead and lie to their customers in the processing of open an account.
Product: Student loan

Since my last complaint against Mohela, I submitted my final ECF in XXXX for all of my five loans in total. My tracker got updated to 123 payments for two loans and 120 payments for the remaining three loans. The two loans got forgiven a month and half later. However, Mohela and the federal government failed to forgive the remaining three loans even though the loans are eligible for forgiveness. The three loans are still on my record. They were supposed to have been forgiven by now. I have submitted numerous complaints with the federal student aid 's website ( studentaid.gov ) - however, I have NOT had any response whatsoever. I'm including screenshots : the beginning date and case # of my complaint, as well as a screenshot of the latest dates with no response. Mohela has not communicated with me on the progress either. I'm entirely unable to reach both places ' customer service. This has been incredibly frustrating. Too long of a wait with zero responses or communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # ending in XXXX from Equifax and account ending in XXXX from XXXX and XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  account # ending in 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 601 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Discover Card has erroneously and repeatedly provided to XXXX, XXXX and XXXX. Discover Card was referenced as an outlier that negatively impacted my loan offer by XXXX XXXX home mortgage in XXXX of XXXX as it was previously reporting in error multiple charge-offs and late payments up until XXXX. I have disputed the information directly with the credit bureau at least twice and have made multiple phone call to Discover Card to either report accurate information or remove from my files. It has been over a year and my concerns have not been rectified since I contacted Discover Card in XXXX of XXXX. My account was charged off in XXXX of XXXX and I made a payment in full in XXXX of XXXX. Discover card sent a letter to my address after I demanded it stipulating that I had paid the balance in full but is currently still reporting a failure to pay in XXXX of XXXX in my payment history. 
I am in the process of buying a home and Discover Card failure to report accurate information has negatively impacted me in the type of rate, loan amount, and loan that I qualify for.
Product: Debt collection

I checked my XXXX XXXX account in XXXX when the inquiry was made to open the account and told them it was not me I was told that no account was opened and I caught it on time but XXXX XXXX XXXX still let the account become opened and I'm just finding out in XXXX XXXX that it's open for collection after they told me in XXXX that I was ok and that no account was opened
Product: Checking or savings account

** My phone number is XXXX ( the contact number on the form populated incorrectly and will not allow me to correct without starting over on submitting my complaint. 

I have been a customer of Bank of America for XXXX years. 

I opened a new checking account in XX/XX/XXXX. 

XX/XX/XXXX : Deposited a check from my employer of XXXX years. Spoke with bank teller who assured me the funds would be available on XX/XX/XXXX. I shared with her my concern due to bills and expenses such as groceries that I needed to buy and that I was concerned about insufficient funds fees if the check did not clear. She stated she understood and that " it shows the funds will be available XX/XX/XXXX '' XX/XX/XXXX : Check for {$2600.00} was put on hold, funds delayed, not available until XX/XX/XXXX. 

XX/XX/XXXX : Called the customer service number that is on the BOA app. They were unable to release the funds. Customer service person told me for future reference that I should know that the bank will put a hold on checks deposited in a new account almost every time. 

XX/XX/XXXX : Called the branch office two times, requested a call back from the bank manager. The bank manager did not return my call. Still has not returned my call. The second time I called the person that answered said they could not help me but she would transfer me to another person who would be able to " lift the hold ''. I accepted being transferred and asked the person I spoke with to please still have the branch manager call me asap. 

XX/XX/XXXX. I was transferred to a customer service number and spoke with 2 people. Both said it was not possible to lift the hold despite my years of being a customer and years of depositing checks electronically for 13+ years. The supervisor I spoke with told me she could not solve my problem for buying my children groceries or paying my bills while the bank held a check that already cleared for 10 calendar days. She read from a " list '' of non-solutions over and over. Telling me she was letting me vent during minutes of silence where she just sat there and said nothing while I waited for her response. 

BOA has been calloused and unwilling to take responsibility for their part in telling me that my check funds would be available that then are not available for 10 days. I have been financially stressed and this experience has been awful, emotional and feels like BOA is on a power trip while they hold my hard earned money.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX
Product: Credit card or prepaid card

My mother has fraudulently opened accounts under my name and has left me to pay the balances of those accounts.