23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute a fraudulent collection account that appears on my credit report. This account was reported without my authorization and violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Disputed Collection Account Details : Collection Agency Name : XXXX XXXX XXXX XXXX Original Creditor : Wells Fargo Account Number : XXXX Date Reported : XX/XX/year> Violations Under the FCRA & FDCPA : 1. Unauthorized Reporting of Fraudulent Information ( FCRA, 15 U.S.C. 1681b & 1681s-2 ) A collection account must be accurate, verifiable, and legally authorized before being reported. Since this debt is fraudulent, it does not meet these requirements and must be removed. 
2. Failure to Verify the Debt ( FDCPA, 15 U.S.C. 1692g ) If I did not receive proper validation of this debt upon request, the collection agency is in violation of federal law and can not legally report or collect on this account.

3. Unverifiable Information ( FCRA, 15 U.S.C. 1681i ) If the collection agency or credit bureau can not verify that I authorized or incurred this debt, it must be deleted immediately.

4. Fraudulent Collection & Identity Theft Protections ( FCRA, 15 U.S.C. 1681c-2 ) As a victim of fraud, I request that this account be blocked from my credit report and that a fraud alert be placed on my file to prevent further unauthorized activity. 

Requested Actions : Immediately remove the fraudulent collection account from my credit report. 
Block the account under FCRA, 15 U.S.C. 1681c-2 as fraudulent activity. 
Place a fraud alert on my credit file to prevent further unauthorized accounts. 
Provide a written response confirming the removal and an updated copy of my credit report. 

I have attached several dispute letters a copy of my identity theft report, police report and supporting documents to verify my claim to the credit bureaus. Ive been trying to dispute this since last year of XXXX and they have ignored all attempts Thank you for your prompt attention to this urgent matter. 

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

I turned in a Leased Honda XXXX  early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another Honda. American Honda Finance ( AHF ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another Honda ). None of the {$900.00} was related to monthly payments. I received a notification that my credit scoXXXX had dropped XXXX points because AHF reported a 90 day past due status on a payment. My position is that AHF incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to AHF also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. AHF refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with AHF on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that Honda tacked on because I didn't lease or purchase another Honda. AHF refused to reclassify their reporting, and now I have an XXXX credit score decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, AND XXXX to investigate some accounts and the investigation took well over 30 days.
Product: Prepaid card

On XX/XX/XXXX I was reviewing my unemployment debit card activity to understand why my balance was lower than it should have been. I discovered 5 ATM withdrawals, that I did not make, that occurred XX/XX/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  Total : {$1200.00} Plus {$8.00} in fees I also discovered 2 transactions at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO, that I did not make, on XX/XX/XXXX At XXXXXXXX XXXX  for {$480.00} ( XXXX XXXX XXXX XXXX XXXXor {$100.00} XXXX XXXX XXXX XXXX  Total {$590.00} And an international transaction for {$430.00} I had not lost my card and it was in my possession, nor had I given it to anyone to use. I filed a police report with the XXXX Police, and initiated the dispute with US Bank. They told me I needed to sign a dispute form that they would send within 10 days and that I should include a. Police report if I made one. I faxed them the police report on XX/XX/XXXX and the form they sent me on the day it arrived XX/XX/XXXX. I called to verify the receipt of both items. 

On Friday XX/XX/XXXX I received a letter from the bank stating " We reviewed the information you provided while filing your claim, your transaction and account history, location and or pattern of use. After careful or review, we concluded that you initiated authorized or benefited from the transactions. Therefore your claim is denied '' I requested the documents used to arrive at this decision and have yet to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre-qualification notice from Capital One with reservation number and access code. Based on the response which I received through CFPB and from the Capital One Consumer Advocacy Office on XXXX, I was kind of suspicious but a bit optimistic to accept the offer and submit application for credit on this day of XX/XX/2022. The date matches the deadline for the Capital One Settlement deadline [ I have attached copy of my repeated inquiry to the administrator as advised by the Advocacy Office ] What made everyone suspicious is the similarity of the purported codes, reservation numbers and many other access stuff., including CFPB case numbers and Capital One case or file numbers. They declined my application in less than a minute. What frustrates me is not the usual life and stuff of my individual situation ever since I fell to the hands of XXXX XXXX in the late XXXX. What frustrates me is the never ending and stone written denial., declining and many other stuff which I do not give any honor or respect anymore based on the existing fact [ RICO Act anaesthetized by the same culprit who is always more Friend and/or more XXXX than the XXXX ] which implies that there is something that would never change forever. That something is called life, liberty and pursuit of happiness which is taken away from me by bad peers who are warming up to start life of retirement after XXXX of dollars were paid to them and as they are claiming they were the chosen ones who were added as job to the economy. Good for them. Good for the country. After two decades of dark and despair., what I can understand is that the augmented disparage is still running here and there to divert attention and turn every punishment and retaliation as a way of life. We survive. I suspect retaliation/Identity theft and bad bully which is so detrimental. Red eyes do not come easy. Some can buy a XXXX worth of stuff for {$1.00}. Some would XXXX and/or waste a $ XXXX, to obstruct that {$1.00}. We all lived to witness what we are today though.
Product: Checking or savings account

XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. 



Sincerely, XXXX XXXX
Product: Checking or savings account

On or around XX/XX/XXXX a withdrawal from my checking account was transferred to an external bank account for a name of a person my wife or I have never heard of in the amount of {$1600.00}. And another on XXXX XX/XX/2019 for {$1600.00}. My wife noticed and notified me. I called Navy Federal Credit Union and file a fraud claim with them that day. The payment that was deducted that day was returned to our account a couple of days later. I was told someone accessed our account and it was with an email we had never used. We were not notified of the change to our account we have had for about 20 years. The security department took the claim and looked into it and told us there was no error, but they did not talk to us and we were never notified when the new access to our account was established. No explanation was provided about the transactions or what they investigated only that their was no error and we were responsible for the funds. I set up the first ever external bank account to transfer fund to and did that in person at a navy federal in XXXX off of XXXX XXXX. and transferred the funds in person and the second time too. Find it suspicious it all happened around this time that is when someone accessed our account with other emails and I was not notified. Security department has provided no information other than no error.
Product: Mortgage

My FHA mortgage lender was Bank of America, which was one of the most challenging financial arrangements I 've ever entered in to. As of XXXX XXXX, 2015 I was notified XXXX XXXX Mortgage would be my new servicer. On XXXX XXXX, 2015 I paid my mortgage via the telephone. I spoke with XXXX at Bank of America and authorized a payment of {$2200.00} and received a confirmation number of # XXXX. On Friday XXXX XXXX, 2015 I checked my checking account and noticed that Bank of America with drew {$2400.00}, {$140.00} more then my established payment of {$2200.00}. On Monday XXXX XXXX, 2015, I contacted Bank of America and spoke to XXXX, who confirmed that Bank of America did indeed take to much money. She insisted however that they could not issue a credit since they are no longer the servicer even though it was there mistake. I then contacted XXXX XXXX Mortgage who told me my account would n't be active for 8 more days and they could n't help me. I proceeded to call Bank of America back who continued to insist it is n't there problem. Once again I contacted XXXX XXXX and spoke to XXXX who indicated that she would send an email the " back office '' and explain that I should be given a refund. I insisted I be notified as to when the refund will be mailed and was told not to worry about it, it will go fast once their legal department contacts the court to get approval???? This is unbelievable and is another inappropriate banking excursion in a long string of fraudulent activities carried out unchecked by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX XXXX bank last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX bank of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
First premier bank account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was noXXXX XXXX XXXX bank account XXXX was late on XXXX, XXXX and XXXX are all false XXXX XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed a collection from accounts XXXX XXXX and XXXX and XXXX XXXX. Experian failed to provide 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to IC SYSTEM INC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then that is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

First Financial Mgmt is  attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX To : [ Credit Reporting Agency Name XXXX XXXX, XXXX, or Experian ) ] [ Address of the CRA ] Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Dear [ CRA Name ], I am writing to formally dispute inaccurate, unverifiable, and unauthorized items on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have recently discovered several items on my credit profile that are inaccurate, unauthorized, and negatively impacting my creditworthiness. Additionally, my account was affected by the XXXX data breach, which raises further concerns about unauthorized activity and improper reporting. I demand an immediate investigation and removal of the following items : XXXX. Collections and Charge-Offs Remove any unverifiable or inaccurate accounts from XXXX XXXX XXXX XXXX XXXX which may be misrepresenting my financial obligations.

2. Hard Inquiries and Closed Accounts I did not authorize the following hard inquiries or closed accounts and demand their immediate removal : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Data Breach Impact Due to the XXXX data breach, my sensitive information was compromised, which may have led to unauthorized inquiries or accounts being opened. Any accounts that can not be 100 % verified must be removed.

Legal Basis for My Dispute : Under FCRA Section 609, I am entitled to request all documentation that supports the accuracy of the accounts and inquiries listed above. Additionally, under FCRA Section 611, any unverifiable, incomplete, or inaccurate information must be deleted from my credit report promptly. Failure to comply with these federal requirements may result in further legal action.

Requested Actions : Remove all inaccurate, unverifiable, or unauthorized items listed above from my credit report. 
Provide documentation verifying the legitimacy of the disputed accounts or inquiries. 
Send me a revised credit report reflecting these changes. 
Please consider this letter as a formal warning that failure to resolve these issues in a timely manner will leave me with no choice but to escalate the matter, including legal action. 

I expect a response within 30 days as required by the FCRA. If you need further information, feel free to contact me at [ your phone number ] or [ your email address ]. 

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

Plaza service Company failed to validate account information within 30 days. Credit reporting company sent a stall letter. Credit reporting agency failed to remove account from consumer credit report.