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

XXXX XXXX Consumer Finance Protection Bureau ( CFPB ) Subject : Complaint Against Bank of America Regarding Account Closure and Missing Check To Whom It May Concern, I am writing to file a formal complaint against Bank of America regarding the closure of my account and the subsequent failure to deliver the check containing my account balance with {$6000.00}. 

On XXXX XX/XX/year>, I received a notice from Bank of America informing me that my account had been closed. The notice did not include any explanation for the closure. Additionally, it stated that a check for the remaining balance in my account was sent to my address. 

Although I have received other documents from the bank related to the account closure, I have not received the check. I have contacted Bank of America multiple times to resolve this issue, but I have not received clear assistance. When I inquired, the bank confirmed that the check had been sent, but they have not provided me with proof of mailing or tracking information. 

The lack of communication and transparency, as well as the inconvenience caused by not receiving my funds, has placed me under unnecessary stress. 

I kindly request your assistance in addressing the following : 1. Ensuring Bank of America provides a detailed explanation for the closure of my account.

2. Confirming the status of the check, including proof of mailing and tracking information.

3. Facilitating the prompt issuance of a replacement check if the original is lost or delayed. 
I hope that your office can help resolve this matter promptly. I can be reached at XXXX or XXXX for additional details or updates. 
Thank you for your attention and assistance regarding this complaint. I look forward to your response. 

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

I have previously brought to your attention the issue of generic validation letters being sent in response to disputes against XXXX XXXX XXXX  and the 2 fraudulent accounts in my name, rather than a thorough investigation as required by the FCRA. This practice is in direct violation of several sections of the FCRA, including but not limited to : Section 611 ( a ) ( 1 ) ( A ) : This section mandates that consumer reporting agencies ( CRAs ) must conduct a reasonable reinvestigation to determine the accuracy of disputed information.

Section 611 ( a ) ( 5 ) ( A ) : This section requires CRAs to promptly delete or modify inaccurate, incomplete, or unverifiable information.

Section 611 ( a ) ( 7 ) : This section emphasizes that CRAs must provide a written summary of the results of the reinvestigation to the consumer within five business days of its completion.

These accounts were the result of identity theft so of course the information matches mine, BUT I am not the one who agreed, open, or used this company. 

Account : XXXX {$26000.00} Account : XXXX {$16000.00}
Product: Debt collection

Hi, I was contacted by Premier Holdings saying they were collecting on a very old debt. I do not recall this debt as it does not show up on my credit report and is almost 10 years old.

The company threatened legal action, wage garnishment, and 180 days in jail as well as court and legal fees.

I have received nothing in writing from this company or any documents from local courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbersXXXX Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account Number:XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with Midland Credit I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.
Product: Debt collection

On XX/XX/XXXX a Request to Validate an Alleged Debt by invoking Title 15 U.S.C 1692g Section 809 ( b ) to an entity that goes by the name JEFFERSON CAPITAL SYSTEMS , LLC was sent and mailed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached herein this notice and complaint is the proof that JEFFERSON CAPITAL SYSTEMS , LLC has accepted and received the Request to Validate an Alleged Debt ( the request is NOT a request for verification of debt ) on XX/XX/XXXX at XXXX as evidenced with the XXXX XXXX XXXX XXXX 

The consumer who provides this Notice and Request to Validate Alleged Debt ( NOT a request to verify debt ) reserves all their rights without waiver in accord to Uniform Commercial Code Section 1-308 and Title 13 Pa.C.S. 1308
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I sent out a letter to Experian over several inquiries that were either fraudulent or incorrect to date Experian has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. Experian has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for XXXX include : 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 has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. XXXX inquiries include : XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.
Product: Mortgage

I didn't have a escrow shortage for XXXX, {$1400.00} was paid for XXXX insurance and as of XX/XX/XXXX my escrow balance was XXXX, then XX/XX/XXXX escrow balance was {$2100.00}. Truist took out property taxes out XX/XX/XXXX {$1200.00} and additional amended taxes for {$830.00} on XX/XX/XXXX. So, as of XX/XX/XXXX I have a balance in escrow {$540.00}. My mortgage going from {$820.00} to starting XX/XX/XXXX {$980.00}. Because Truist say that they are projecting a escrows shortage for my homeowners insurance. Truist don't know if I'm going to have a shortage. Therefore, they are increasing my mortgage on the front end. Truist is saying if I have a shortage and I pay it in full that they have to still go up on my mortgage. I put additional in my escrow before my homeowner insurance comes and my property taxes comes. Furthermore, so my mortgage don't go up because I '' m on a fixed income.
Product: Credit reporting or other personal consumer reports

In XXXX, while I was away XXXX XXXX XXXX XXXX my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX BANK XXXX XXXX XXXX : {$3800.00}
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and were not authourized XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Had an issue with my escrow increasing over the passed 2 or 3 years. This is the XXXX time I have filed a complaint about my escrow. After talking to my mortgage company, Chase Mortgage, it was explained to me that my escrow had increase the last year by {$700.00} and {$700.00} the year before that a total for {$1400.00} in two years and that was a very huge increase even for the year or the last 2 years and I would have to call my Insurance company, XXXX XXXX to find out why. After talking to XXXX XXXX, all they could tell me is that it had increase due to inflation and nation wide disasters such as fires in California, earthquakes, etc. Ok, first off I live in Kentucky, no where near any wild fires from California. She said she was just giving examples but I told her that I am in KY and not in California. Asked her if California is in the United States, she replied yes, I then asked her is KY in the United States, she then said yes. I said ok that means what you just told me is natural disasters that happen in California effect my insurance rate all the way in KY. I am so sick and tired of dealing with this XXXX! To be honest I have a lot of stuff wrong with the house as it is that I don't have the money nor the time to fix its not even funny. But here I am paying {$1300.00} a month for a house that's falling apart and wont sell for what I still owe. I might take one step forward trying to do an update on the house by replacing the back doors because they are rotted and falling apart, but right after that 5 more things fall apart right in front of me! It is pretty much impossible to try to sell my house because no one wants to deal with buying a house with a ton of damages. I will probably die before I can even get it all fixed. Its not even worth trying to buy a house unless you win the lottery and you just out right buy a house instead of making payments to a mortgage company. My XXXX XXXX XXXX # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX   XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 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 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.
Product: Credit reporting or other personal consumer reports

Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX XXXX. And they will not remove it. This is not my debt or have I ever applied for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help! I am a victim to inaccurate items appearing on my credit file and I have attempted to resolve the problem with the credit reporting agencies and my complaints are being ignored. It have been well over 60 days since I mailed my first dispute which I will attach to this complaint. My consumer rights are being violated, pursuant to Title 15 U.S.C 1681- Procedure In Case Of Disputed Accuracy, the consumer reporting agency have 30 days to do an investigation and if the items are not verified they must delete the information from my file. This is a very serious matter and it affecting my overall life by tarnishing my general reputation and negatively impacting my ability to obtain credit. I am asking that these inaccurate items in my file that I disputed are removed immediately.
Product: Debt collection

Subject : Formal Request for Debt Validation under 15 U.S.C. 1692g ( FDCPA ) Dear XXXX XXXX  Compliance Department, I am formally requesting validation of the alleged debt associated with Account # * XXXX as reported to XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally required to provide the following : 1. Proof that you own or have been assigned the debt ; 2. A copy of the original signed agreement creating the debt ; 3. Detailed accounting and explanation of how the amount claimed was calculated ; 4. Proof that you are licensed to collect debts in my state, Maryland. 

Please be advised that during this validation process, you must immediately cease all collection activities, including reporting to any credit bureaus, until you have fully validated the debt. 

If you fail to provide sufficient documentation within 30 days, you must delete the account from my credit file and cease all collection activity. Continued reporting of an unvalidated debt is a violation of the FDCPA and the FCRA and will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Georgia Attorney General 's Office, and potential civil action. 

This letter is written without waiver of my rights and remedies under applicable law, all of which are expressly reserved. 

Sincerely, XXXX XXXX
Product: Mortgage

PNC was contacted on XXXX for a request of 12 month mortgage forbearance and re-amortization. I was told that they only off 3 month payment deferral and then the three payments are due. 

I have been told that mortgage loans need to offer 12 month forbearance with modification agreement and no impact to credit rating. 

I need to learn from CFPB what is required and if PNC needs to offer the 12 month forbearance.
Product: Credit reporting or other personal consumer reports

I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. Citi for XXXX. XXXX XXXX for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included documentation from my local court system for the release of judgement of said eviction for {$1800.00} The eviction within the judgment was not enforced and was wrongly granted and incorrectly put on my tenant screening. All parties agreed and settled before eviction date XX/XX/XXXX. I the defendant was told by property manager of XXXX XXXX XXXX XXXX XXXX not to appear in court as eviction is voided by payment made from defendant and excepted by XXXX. 
XXXX XXXX XXXX XXXX XXXX  Has agreed to release of judgment. Please delete from tenants screening.
Product: Credit card

Capital One Bank NA is reporting a XXXX balance on a card that is not mine, the charge is still being reported on my credit report despite the company stating that the account has been removed. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The accounts are listed as XXXXXXXX XXXX XXXX {$1000.00}, XXXX XXXX {$1100.00}, XXXX XXXX  XXXX {$12000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$500.00}
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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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 card or prepaid card

A few years ago I opened up a secured card from Capital One for {$500.00} dollars. 
It got maxed out due to financial hardship but I always tried to pay something. Capital One continued to collect high interest rates for months and months with no issue. I decided to pay the card off to bring the balance to XXXX and they closed my account days after. ( If not even faster ) It appears to me that they intentionally waited for me to pay off the balance to close my account, isn't this highly illegal? That's not even the only issue. They never gave me my deposit of {$500.00} back. They only refunded me {$390.00} and kept telling me that's all I gave them which is a lie ; I gave them XXXX dollars hence my XXXX dollar limit on a secured card. 

Basically not only did they wait until I paid it off to close my account which is blatant discrimination and borderline scam behavior, I had to call to get my deposit back after I paid off the entire balance and then they didn't even give me my whole deposit back.