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

I closed my checking and savings accounts with Bank of America on XX/XX/XXXX. I havent received my check of {$1100.00}. It was negotiated on XX/XX/XXXX, when I realized it was missing. It was fraudulently endorsed and I contacted the bank, and the police. Since then, Ive contacted Bank of America customer service countless of times, and I have only received photocopies and notification letters that Ive already negotiated the check, and that its been endorsed already ( the fraudulent endorsement ). The case was opened with Bank of America in XXXX, and I had to open it again in XXXX. I have given a correct address to them, and they repeatedly mailed to the old address where the check was intercepted. The last time I contacted them on XX/XX/XXXX to get my check mailed to where I am, they said it should be here XXXX business days. It is XX/XX/XXXX, and I still have not received anything but another notification letter that I have already beguiled this check and that it was endorsed and deposited ( the fraudulent one yet again ). They were able to send that letter to my correct and current address, but not the check.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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 XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation and Assignment Contract Dear LVNV Funding LLC, I am writing to request validation of a debt that you claim I owe. In particular, I am seeking to verify the legitimacy of this debt and your authority to collect it. To this end, I request the following information : Proof of the Debt : Please provide a detailed statement showing the amount owed, including any interest, fees, or other charges. 
Name of the Original Creditor : Please provide the name and contact information of the original creditor to whom the debt was originally owed. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that shows that the debt has been legally transferred or sold to your agency. This should include any relevant details proving your right to collect on this debt. 
Details of the Account : Please provide account numbers or any relevant account details associated with this debt. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide this information within 30 days of receiving this letter. During this period, please cease all collection activities until you have provided the requested validation. 

Please respond to this request in writing to the address listed above. If you are unable to provide the requested documentation, please acknowledge that you will cease any collection attempts and remove any negative information related to this debt from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Dispute of Alleged Debt Demand for Immediate Removal To Whom It May Concern, This letter serves as a formal dispute of the collection account you claim is associated with me. On XX/XX/XXXX, I contacted your office requesting proof of this alleged debt. To date, you have failed to provide the necessary legal documentation required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). According to federal law, you are required to cease all collection activity, including credit reporting, until proper validation has been provided.

To comply with the law, you must produce legal documentation proving your authority to collect this debt, including : A chain of custody or assignment of the debt from the original creditor to your company ; Any signed contracts or agreements between myself and the original creditor ; Proof that the amount you claim is accurate and valid.

Failure to provide these documents strongly suggests that this debt may have been improperly or illegally assigned to your company.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), you are required to ensure that all information furnished to credit reporting agencies is accurate, complete, and verifiable. Reporting unverifiable or erroneous information violates federal law.

If this account is not immediately removed from my credit report, and if you fail to provide the requested legal documentation within 15 days, I will take legal action. This includes seeking damages of {$1000.00} per violation under FDCPA XXXX, compensation for harm caused to my creditworthiness, and attorneys fees. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

This letter serves as my final notice. I expect a full resolution of this matter and written confirmation of the removal of this collection account from my credit report within the specified timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from XXXX XXXX or Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state 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 filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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  BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXXr XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 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 IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
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 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 listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/year> : XXXX - XX/XX/year> : XXXX  - XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XX/XX/XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
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 validate 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 investigate and corrected for erroneous reporting in my file are listed on my credit reportXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XXXX  Shows that I have one late payment XX/XX/XXXX, Experian reporting 31 late payments. 
XXXX  showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my EXPERIAN reported unchanged. How when nothing was validated? 

XXXX XXXX XXXX XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with Experian. That this will remain unchanged. I never reported this account with XXXX or XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked Experian to help me verify this debt. How could Experian allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which Experian contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.
Product: Debt collection

ARS Account Resolution Services is in violation of the FDCPA Section 807, codified at 15 U.S.C. Section 1692e ( 14 ). ARS Account Resolution Services is a alternate name for Healtcare Revenue Recovery Group, LLC, and the FDCPA clearly states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ... ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ''
Product: Debt collection

I am writing to formally dispute the debt that your company is currently reporting on my credit report. This negative item is unjustly affecting my creditworthiness, and I demand that you cease reporting it immediately, as you have failed to adhere to federal law under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This debt has been sold various times. 

Violation of FDCPA & FCRA : Pursuant to 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector must send a written notice within XXXX ( XXXX ) days of its initial communication with a consumer, informing them of their rights to dispute the validity of the debt. I have not received any such notice, nor have I been given the opportunity to validate or dispute this debt. Furthermore, under 15 U.S.C. 1692g ( b ), if a consumer disputes the debt in writing, the collector must cease collection efforts until verification is provided. As I was never properly notified, your reporting of this debt is unlawful.

Additionally, under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy of the data they report. Since you failed to properly notify me and obtain my acknowledgment of this alleged debt, your reporting is inaccurate and misleading, thus violating my rights under the FCRA.

Cease Reporting & Remove the Negative Item : Since you have failed to follow proper procedures, you are in direct violation of both the FDCPA and FCRA. As such, I demand that you immediately : Cease reporting this debt to all credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Remove this negative entry from my credit report. 

Cease all collection efforts regarding this matter unless you can provide concrete and verifiable proof that this debt is valid and that you have followed all legal notification requirements. 

Failure to comply with this request will leave me with no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I am prepared to pursue legal action for damages caused by your unlawful reporting.

This letter serves as my formal notification of dispute. Under 15 U.S.C. 1681i ( a ), you are required to investigate and correct this information within 30 days. If you fail to comply, I will exercise my legal rights accordingly.

Please confirm in writing that you have removed this negative item from my credit report. I expect a response within 15 days of receiving this notice. Failure to respond will be seen as willful noncompliance, which could lead to further legal ramifications.
Product: Debt collection

I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 XXXXXXXX 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: Credit card or prepaid card

Date : XX/XX/2022 Bank : Chase Issues : The chase bank suddenly closes all of my bank accounts including checking accounts and credit cards without any reason. I do not think I do anything wrong. They just said I make an unexpected activity.
Product: Money transfer, virtual currency, or money service

Welsfargo is keep blocking my card and prevents me from using my money, I had lot of emergency situations and because of that Welsfargo caused damage to me
Product: Credit reporting or other personal consumer reports

I got fraud alerts from my credit monitoring. There were 2 hard inquiries made with my information to : XXXX. XXXXXXXX XXXX XXXX on XX/XX/year> and XXXX. XXXX XXXX XXXX XX/XX/year>. 
Both of these were fraudulent and not me. I notified of the parties above and there has been no resolution to remove these from my credit report. 
I am requesting deletion of these hard inquiries from my credit report.