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

My sister and I are joint trustees on an estate Trust account that our father left for the care of our mother. This account is currently held with Capital One at the XXXX, VA branch. When he passed away in XX/XX/XXXX we went to the branch to present the Trust documents and completed the required process to represent and manage the account. Since that time we have had no issues accessing the account funds. Suddenly and without notice in late XX/XX/XXXX we received a call from the memory care facility where our mother is a resident indicating the payment sent from the account for XX/XX/XXXX services did not process. We contacted the Capital One only to learn that the account had been frozen as they had questions about our trustee roles. Despite almost daily calls we continue to get the run around indicating their Legal dept is still reviewing the situation. Meanwhile we have no access to the account funds. We were told we need to complete new signature cards so we did that on XXXX XXXX, XXXX anticipating that would be the answer, but still nothing. It has now been over 30 days without resolution! They have refused to provide a contact above the Branch that we can discuss this with or connect with our attorney. 

Today I was told they discovered another signature requirement and their Legal group is working on the details. Upon receiving this information, I told their representative XXXX that if the situation was not resolved by Friday XXXX XXXX, I would be escalating my approach. 

This situation is horrendous. We have been forced to access other funds to pay for the care of our mother and there is no evidence of urgency from Capital One. We are prepared to cooperate with any action required to address this situation and look forward to your contact.
Product: Debt collection

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  Cease and Desist Communication and Remove Account from Credit Report Dear XXXX XXXX XXXX, This letter serves as a formal request to cease and desist all further communication with me regarding the aforementioned account number. I demand that you immediately halt all phone calls, letters, emails, and any other form of communication. 
Furthermore, I request that you remove the collection account associated with the aforementioned number from my credit report. I believe this collection is in violation of my consumer rights : * Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

* Consumer ( myself ) have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) * Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Please provide written confirmation of my request to cease communication and remove the collection account from my credit report within 30 days of receiving this letter. 
If I do not receive confirmation within the specified timeframe, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Sincerely, XXXX XXXX
Product: Debt collection

According the FCRA AND FDCPA, XXXX XXXX  and Financial recovery services are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices. 

They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name.

I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA. 

The accounts are listed below : XXXX XXXX XXXX  15 US.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 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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, XXXX took over a credit debt back in 2008 and we went to court and XXXX told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm hosto & buchan hired by XXXX has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX
Product: Mortgage

I always pay my mortgage on time. Yesterday I received an email from my home owner 's insurance that I was no longer insured. Apparently my mortgage lender didn't pay them. I find this unacceptable. How can a company expect me to pay on time every month, when they can't even do the same? Now I'm left vulnerable if there's any catastrophe involving my home? I would appreciate it if this matter was resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I try to start a dispute, I get a message that my information does not match when does match my credit report. I was given access to pay {$15.00} a month for the monitoring service that lets me update my report once a month but I can not dispute the information on my credit report.
Product: Consumer Loan

Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report. 
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time. 
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information Please find below my updated accurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/year>
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX # XXXX OPENED XX/XX/2023 BALANCE {$2300.00}. XXXX # XXXX OPENED XXXX XXXX BALANCE {$0.00}. XXXX XXXX XXXX XXXX # XXXX OPENED XXXX XXXX BALANCE {$0.00} fraudulent addresses connected to fraud never lived there 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

It's my understanding that FCRA 605B dictates the removal of any incorrect accounts from my credit report. Could you please assess the documents? I find some of the listed accounts to be inaccurate, and it's causing me unease.
Product: Credit reporting or other personal consumer reports

To whom it may concern Youre in violation of 15 usc 1692D 15 usc 1681A FCRA SECTION 622 Section 624 Section 623 THIS IS EXPERIAN LAST AND FINAL WARNING THIS ACCOUNT WAS PAID IN FULL AND XXXX XXXX AGREE TO DELETE ACCOUNT FROM MY REPORT ONCE I FILE A LAWSUIT FOR MY CLIENT YOU WILL HAVE NO CHOICE BUT TO PAY XXXX $ for violation am writing in regard to the above referenced accounts and transactions.This vehicle was repossessed by XXXX XXXX in the State of Florida on or abou and resold on or about XXXX XXXX the laws of the State of FLORIDA. UCC ( 1-308, you will need to look this up ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, THIS ACCOUNT ONLY REPORTING ON EXPERIAN AND OTHER CREDIT BUREAU DID REMOVE. Your job is to make sure credit report is accurate but clearly none of y'all doing proper investigation. UNDER all available State and Federal statutes and UCC 9 remedies. 
SEEKING XXXX in remedies and DELETE THIS ACCOUNT FROM MY CLIENT REPORT Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$450.00} from portfolio recovery on XX/XX/2017.This credit card is unauthorized transaction and maybe identity theft is considered.
Product: Money transfer, virtual currency, or money service

Cash app closed my account not stating why and now Im unable to send or receive money and unable to talk to a live customer service person
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX and XX/XX/year> on my XXXX, Transunion and XXXX credit reports, in which is adversely affecting my credit score and homebuying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I have paid Helbing Law Group $ XXXX to settle my debts. All my accounts were in good standing when I signed up for the debt settlement agreement. They advised me to immediately stop payment to all the debtors so they could settle the debts for minimum 50 % of the outstanding balances. This caused the balances to greatly increase. They have not settled the debts as promised averaging 30 % debt reduction, which had they not gone to collections, I would have owed less than what they " settled '' a few of the account for. I recently found out that the debts would have reached their expiration date for collections, yet I am.still paying them to settle these debts and still paying on debts that reached their collection limit. When I reached out to them, in XX/XX/2023 to ask them for information on each debt, their term limit, justification for the amount I was still paying them, and what my escrow balance was all in writing, I never received any evidence or justification of amount I've been paying or what I had in my account. The associate on the phone gave me an answer that made no sense and could not answer why I am paying on the account that would have been uncollectible debt over a year plus ago. I feel I was scammed into a " program '' to pay off my debts at a reduced rate and my credit school which was good at the time is incredibly bad as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have paid. Despite having sufficient funds when transactions were authorized, I was charged fees due to the system lagging when posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This is a bill from a electric company XXXX XXXX They found my name but at another address we have lived at this address for the last 7 years We have used XXXX XXXX XXXX XXXX ever since moving here
Product: Credit reporting or other personal consumer reports

I write to you with deep concern regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account # : XXXX I believe the above accounts are reflecting inaccurate late payments. I expect a thorough investigation as mandated by the Fair Credit Reporting Act ( FCRA ). 
However, in your prior responses, the agency claimed these accounts were " verified '' without providing the actual sources or evidence of their verification process. According to FCRA 611, I request that the credit reporting agencies reinvestigate the items in my initial complaint. Specifically, I am asking you to : Provide the source of information they relied upon to verify the accounts. Confirm whether they contacted [ XXXX XXXX XXXX XXXX regarding the late payments, as this is crucial for establishing the accuracy of the contested items. I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681 ( 2 ) of the FCRA.
Product: Debt collection

again and again, they called me several times harassing me trying to collect a debt that is not mine, they never validate any proof, or bare any contract with my signature stating that I owe Merchants credit guide, which is a third party collection agency
Product: Payday loan, title loan, or personal loan

Unable to get the payoff amount in writing and tile after payoff. The loan company is trying to fill a gap claim on the car after the insurance company reported that the damage to the car is not a total loss.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to XXXX. I have highlighted the items that I am disputing on the attached copy of my credit report. 
These items, XXXX XXXX with a delinquent balance {$2000.00} and XXXX with and original balance of {$250.00}, is inaccurate because I never opened these accounts. I have filed a police report with the XXXX XXXX XXXX Sherriffs Office and an identity theft report with the Federal Trade Commission, please see the attached reports. I am requesting that Affirm remove these accounts. 
In addition to these accounts Affirm has sold two accounts to XXXX XXXX XXXX, XXXX for {$890.00} and XXXX for {$370.00}. I can not determine if these are the same as the above two accounts, but these are also inaccurate as I have never opened any account with Affirm. I am requesting that Affirm contact XXXX XXXX XXXX to have these accounts removed. 
I have enclosed a copy of the relevant pages of my credit report, my initial contacts from XXXX  with Affirm, the XXXX XXXX XXXX Sherriffs Office report, and the identity theft report from the Federal Trade Commission supporting my request. Please reinvestigate this matter and contact all three credit bureaus to have them delete the disputed items. 
Please be aware that I am currently XXXX XXXX  until the end of XXXX.
Product: Vehicle loan or lease

We paid off the last two vehicles on our line of credit with Westlake XXXX. They will not send us the titles to the last two vehicles. They will not close our line of credit which was been paid in full. They will not return the reserve account balance of {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX TransUnion, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XX/XX/2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX 2021
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX Subject : Dispute of Unauthorized Account Due to Identity Theft DearXXXX I am writing to formally dispute an unauthorized account/transaction that appears on my [ credit report/account ]. I believe this account/charge is the result of identity theft. 



The unauthorized account/transaction is as follows : Creditor/Company Name : CARMAX This account/transaction is not mine, and I did not authorize its opening/processing. I request that you immediately : 1. Investigate this matter under the Fair Credit Reporting Act ( FCRA ).

2. Remove the fraudulent account/transaction from my credit report/account.

3. Provide written confirmation of the results of your investigation.

To support my claim, I have included the following documents : A copy of my government-issued ID ( e.g., drivers license ).

A copy of my utility bill or other proof of address.

A copy of the police report or Identity Theft Affidavit filed with the FTC.

A copy of my credit report highlighting the disputed account ( if applicable ).

Please investigate this matter promptly and notify me of your findings. You may contact me at [ XXXX ] or [ XXXX, XXXX ] if you require additional information. 



Thank you for your attention to this urgent matter. 



Sincerely, [ XXXX XXXX ]
Product: Credit reporting

A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.