23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I attest that I am a victim of XXXX  for purposes of Section 605C of the Fair Credit Reporting Act ( FCRA ). 
Under penalty of perjury, I declare ( certify, verify or state ) that the foregoing is true and correct, to the best of my knowledge. Clarity has not blocked my information although I mailed information as requested on their website.
Product: Debt collection

This was submitted to CFPB on  XXXX / XXXX / 2017  case #  XXXX  and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed.     The compan y is Advanced Collections Bureau   XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Phone  XXXX  They are trying to collect for a security system account that I did not renew. I had a security system through  XXXX   XXXX  in  XXXX  Florida and when my  two  year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success.     Account number  XXXX
Product: Debt collection

Yesterday I saw I had a call from XXXX that went straight to XXXX. It was a pre-recorded message from someone claiming to be from FCR Collection Services and to call XXXX. My son also found 3 text messages flagged as spam from them ; 2 of them received within an hour of each other. I've never received any written communication from them. I am a XXXX XXXX and this company is trying to run a scam on me.
Product: Checking or savings account

I disputed with capital one they issued a temporary credit until the investigation was over and now closed the case and charge me the XXXX back too my account said they completed the investigation with all state was wrong I show proof that my insurance was canceled before I made the payment Im requesting my money back from the bank I showed proof dmv making me surrender my plates for XXXX XXXX XXXX non insurance I want my XXXX dollars put back too my account
Product: Debt collection

This is now just a phishing scam through the mail. 

The first packet XXXX XXXX XXXX  sent me on XXXX XXXX said they have already garnished and taken my money AT A BANK I HAVE NEVER HAD ANY ACCOUNT WITH! 

I havent found anyone to help me in these three months. 

Now it is XXXX XXXX and they have sent me THE EXACT SAME PACKET WITH A DIFFERENT BANK ON IT THAT I HAVE ALSO NEVER HAD ANY ACCOUNT WITH!!!! 

WHO DO I HAVE TO CONTACT TO GET SOMEONE TO DO SOMETHING ABOUT THIS?????? 

I live off of {$1500.00} a month from social security XXXX. I CAN NOT AFFORD TO PAY SOMEONE TO HELP ME! 

I also cant go the the cops here because they are also ones who lied when they said they delivered ME a summons way back in 2016, I wasnt even LIVING IN THIS STATE, HOW DID A XXXX XXXX SHERIFF PERSONALLY HAND DELIVERED ME A SUMMONS IN XXXX XXXX WISCONSIN???? 

I HAVE NO IDEA WHAT THIS SUPPOSED DEBT EVEN IS. MY TOTAL REAL DEBT ISNT EVEN THIS MUCH!!!!! 

I shouldnt have to type out all the federal laws here for you to figure out what these people are doing is ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from FCO in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 7. A copy of all payments made with beginning and ending balances 8. original creditor. If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from FCO in any manner other than permitted I will cease all communication ( invoking my legal right to request FCO to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, wish to bring to your attention a matter of utmost importance. Specifically, I would like to assert that 15 U.S. Code 1681 c-2 clearly states that if a consumer identifies information in their credit file that has resulted from alleged identity theft, a consumer reporting agency is legally obligated to block the reporting of such information within a period of XXXX business days. 

To provide some context, I dispatched a package to your organization on XX/XX/2023, containing my FTC Complaint numbered XXXX, Trans-Union affidavit , FTC affidavit XXXX police report, a copy of my driver 's license, social security number, and a copy of my gas bill. The purpose of this package was to request the blocking of information in my credit file that I have identified as being a result of identity theft against me.

It is crucial to note that I am well aware that, as per 15 U.S. Code 1681 n, the failure to adhere to this law may result in punitive damages. Regrettably, I must emphasize that I have not witnessed any action being taken on my request, nor have I received any information from your end regarding how you have verified the identity theft that led to my credit denial. This is a matter of great concern and immense frustration for me.

I want to make it unequivocally clear that I find this situation highly unacceptable. To prevent any further legal actions and to seek a swift resolution to this matter, I hereby demand that you immediately remove the fraudulent XXXX  XXXX XXXX account XXXX. XXXX from my credit report. 

This correspondence serves as a formal demand on my behalf, urging Trans-Union and XXXX to initiate a comprehensive investigation into the facts and circumstances surrounding this issue. I expect an appropriate response to my concerns, which should include your immediate compliance with the aforementioned demand. Keep in mind Under consumer law asking XXXX  XXXX XXXX to verify this fraudulent debt is not the credit bureaus doing a true investigation on this matter. 

I trust that you will treat this matter with the seriousness and urgency it warrants, as I am prepared to take further legal action if necessary. I eagerly await your prompt response and resolution of this pressing issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

One of the Bank of America 's Mortgage Loan officer offered to refinance my mortgage loan that I had with XXXX XXXX at better rate of interest for 7/1 ARM around XX/XX/2019. She told that I need to pay the fees that cover the credit report fee and appraiser fee and will be completely refunded. Since this is my first Refinance of my first Mortgage loan, I am not completely aware of the process and asked her before paying the amount, whether the amount I pay for the credit report fee and appraiser fee will be completely refunded for what ever reason or not? And she said " Yes '' and I can completely trust her and told me to sign the document online and not to worry  about it as it is a general formality to start the loan application. On her assurance, I signed the document. 

So, I payed the amount using my BoA creditcard. The loan was approved but the appraiser appraised the value of the home very low by using the improper homes in that area, some of them were fixer upper, homes that didn't get sold for months and home from non preferred locations. Because of this the Bank of America didn't Refinance my loan and now the Mortgage Loan officer say that she can not refund the fees I paid, which she promised to refund for sure. 

Few weeks later, I got the same Mortgage loan Refinanced by XXXX XXXX. 

BoA has wasted my time and money and gave lot of trauma to me for not refinancing the loan by giving false promise by its Loan officer. 

Please help me get my money back.
Product: Checking or savings account

PAYPAL HAS A PROBLEM ISSUING PROVISIONAL CREDIT IN ACCORDANCE WITH UCC ( Uniform Commercial Code ) : XXXX XXXX XXXX disputed two ATM TRANSACTIONS for the same bank ATM one I was given the provisional credit ( XXXX XXXX and the other NOT. When I tried to dispute it as you will see it was marked CASE CLOSED ( XXXX XXXX new card is ON THE WAY. I am attaching a video link so this way you can see exactly what happened with disallowed transaction ( XXXX XXXX XXXX Inaddition I tried as I have been able to upload videos to your system in the past but today I was unsuccessful for some strange reason? 

Here is a link from our private server of exactly what happened so you can see from the customers perspective how this looks : - ) https : XXXX
Product: Credit card

On XXXX/XXXX/2015, I purchased XXXX round trip airline tickets from XXXX using Bank of America VISA credit card. The total amount was US dollars XXXX and the purchase was made online from my home computer.It was confirmed by XXXX XXXX that this transaction was made in New York and there was no XXXX transaction fees involved ever. 
On XXXX/XXXX/2015, while checking my VISA credit card account status, I had noticed that the bank had charged an additional amount of {$30.00} each for XXXX airline tickets, that was not included, informed nor authorized by me at the time of transaction. 
Since I was not aware of any foreign transaction for purchases made within the United States, in US dollars, I immediately contacted the Bank of America VISA card customer service, and they refused to refund the entire amount of foreign transaction fees. 
In the past I had purchased airline tickets online from XXXX using XXXX master card and there was no foreign transaction fees involved in any of the purchases made in US dollars in United States. 
Therefore, hereby I am humbly requesting a fair investigation on this unfair business practice for the satisfactory resolution for my concern and the refund of the entire foreign transaction fee that is unfairly charged to my VISA credit card on the online purchase made in US dollars and within the United States.
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX ( XXXX XXXX  XXXX ) and also reached out to XXXX about my concerns about the following account which is XXXX XXXX ( XXXX XXXX  XXXX ) account XXXXYour agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XX/XX/year> Subject : Final Request for Removal of Inaccurate Collection/ Chargeoff Accounts XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO OPEN ACCOUNTS. I DID NOT APPROVE ANYONE TO PULL MY CREDIT. 


To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection/ charge-off accounts listed on my credit report under the account. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Student loan

Aidvantage is my student loan service provider managing my loans. I have two Federal unsubsidized loans : 1 ) graduate unsubsidized loan {$6800.00} 2 ) graduate unsubsidized XXXX XXXX loan {$6600.00}. As of now, I am unemployed and told i'm in the " SAVE '' plan according to studentaid.gov. 

Interest should NOT be accruing for both of my loans given my income is {$0.00}, unemployed. My monthly payment according to Aidvantage is {$0.00} per month. However, interest per loan is accumulating every day for loan 1 ) {$1.00} per day loan 2 ) {$1.00} per day. 

As of XXXX XXXX I have accrued interest of {$46.00}. 

Aidvantage is NOT following studentaid.gov guidelines.

Attachment is proof of quantities charged from Aidvantage towards my name.

Attachment is proof of legislation from Department of Education stating " STOP charging monthly fee ''
Product: Debt collection

I have a company that is trying to collect a debt that does not belong to me. 
I have repeatedly disputed this $ XXXXcollection with the collection agency TEK Collect ( based in Ohio ) and it was removed off one bureau but they refuse to remove the others. I have talkEd to the office manager XXXX at XXXX XXXX XXXX ( original creditor ) and they confirmed the existing financial agreement is not mine but they will still not remove. When I call TEK Collect to discuss my account they cant find it because its all someone elses number, name, etc Collection agency - TEK Collect XXXX XXXX XXXX ext XXXX Original Creditor - XXXX XXXX XXXX XXXX ( office manager ) XXXX I really need some help with this as soon as possible. We are trying to close on our new house in a few weeks.
Product: Checking or savings account

I have Sofi checking and savings bank account. 
We had a party and I was spending money. All my neighbors and friends has to give back money. For that they tried to send money via XXXX  to my Sofi checking account. More than XXXX such transactions are failed. They were either sending money via XXXX XXXX XXXXXXXX or other banks ( XXXX etc ... ) When i asked Sofi - usual answer - try after XXXX hours and there is no guaranty that it will even work or not? 

It is required that when somebody is sending money via XXXX  that it works. XXXX XXXX XXXX who owns XXXX seems to have considered these legitimate transactions into fraud based on my chat with sofi.This XXXX XXXX XXXX is based out in XXXX Az who developed XXXX, it's going out of control... they should just do what they should do... unnecessarily they got useless XXXX intelligence into it that too a buggy implementation and causing trouble ... their disclaimer itself says - sender is responsible for sending money via XXXX and XXXX is not responsible for money loss this is false positive. 



Customers like me can be taken on ride by sofi and sending bank and send in circles- go to this bank and go to that bank or talk to XXXX
Product: Debt collection

Has been notified twice that I am not the person for the debt they are trying to collect. Repeated calls for another person in which they failed to identify the company they represent and that their intention is to collect a debt. Opt-out specific language was provided and cfpb cease communication letter was mailed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows on my credit as a new account opened up in XX/XX/2022 Never had XXXX XXXX I have XXXX two different accounts I have XXXX XXXX and have been reporting fraud no one seems to respond to me Please remove this false information
Product: Debt collection

I do not owe money to this specific company... I have never conducted any type of business with them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX in XXXX XXXX, XXXX a friend and myself were dining at a local XXXX XXXX XXXXXXXX XXXX previous to getting there we were informed by associates working that there would be all you can drink for {$40.00} a person. When we sat down we were reassured that it would be {$40.00} a person to have unlimited drinks. After about an hour and a half we were ready to leave. At this point we had each had XXXX drinks, so XXXX in total. When the server brings over a check for {$300.00} we then try to discus the fact that he is overcharging us he says that its in XXXX  and that when it goes through it will be for the correct amount of {$80.00}. We were hesitant but we were restricted as we had to be back at the XXXX  in under an hour. At the time we thought that was true but when we got back to the states I checked my statements and saw that the amount charged was not the agreed upon amount. I tried to contact my bank and report the charge as fraud as the front had deceived us by straight up lying. Wells Fargo has since denied my claim stating that I need a receipt. They didnt provide one Im sure on purpose, as when I checked their local XXXX reviews they were flooded with people having the same experience. I then tried to reach back out to my bank, and show them all of this proof of other reviews to which they denied the claim again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of Identity theft. My personl information was stolen and used to opened up an account with XXXX XXXX. For {$10000.00}. I have filed a police report notified this company about the fraudulent activity. I also contacted Equifax and disputed this company twice, XXXX XXXX was deleted twice off my equifax cedit report and now has opended an duplicated account to report again. My compliant is with Equifax once I disputed this account and it was deleted once, it should've been blocked not deleted twice and put back on again, Also XXXX XXXX has opened a duplicate account and that is against the law. I would like Equifax to block and delete this account XXXX XXXX off my credit file and any other reporting inquires I did not Athorized permanently
Product: Mortgage

Hi, I have made a complaint to the law school of the attorney XXXX XXXX, I am attaching a copy over here, I would advise you to please change the law firm and the attorney in this case. 

I have complained to you multiple times regarding this, you are not taking any action, I am very disappointed. 

I was not the one who started shouting on her, she was the one who shouted on me. I can go through a lie detector test if you want.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wells Fargo received a written request to close and wire transfer all the money that was is in a XXXX account. Ive called their Exception Payments Account Closures Department several times and always on hold from 2 hours 30 minutes to 7 hours on hold and can never get a person on the line. Once XXXX XXXX  pst came all the lines are disconnected so I filled a complaint with their business executive officer on XX/XX/XXXX but no one can ever give me a direct answer to when those funds will be transferred. 
After numerous calls and being misdirected I was finally got an email from XXXX XXXX whos title is Executive Office Case Specialist and was given a case number # XXXX and was told that they would investigate the delay. After a few days I was told that the Exception Payments Account Closures Department was running 60 days behind schedule. This is outrageous and unacceptable, but it wasnt till XX/XX/XXXX that I received a call from Wells Fargo Exception Payments Account Closures Department and reconfirmed all that necessary information to have the wire transfer done that day and was given a confirmation number with a date of expectation of money being deposited on XX/XX/XXXX. 
On XX/XX/XXXX I again called Wells Fargo and was given the run around with no straight answers of where this money was or if there were any problems. The only thing I was offered was wait till without looking into this problem was that it takes 10 business day which would be XX/XX/XXXX. Being rushed off the phone I felt there was nothing else I could do. 
Today XX/XX/XXXX Money still hasnt been deposited and just to make sure We called the receiving bank to make sure there was no problems on our end. I contacted XXXX XXXX from Wells Fargo again and was directed to the wire transfer department. I called that department but was told that they couldnt help me because my account was closed and I would have to speak with Exception Payments Account Closures Department and I asked to speak with a manager and was blindly transferred to Line of Business Executive office I Talked to other agent there and was told that XXXX XXXX would be calling me back within the hour because she was in a meeting. I need to know where this money is at and when will I be receiving it. I had open escrow on a property and was suppose to close this deal on XX/XX/XXXX, one day after the original day and since I was not able to close the deal Im out {$5000.00} already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for these collection/charge-off/closed accounts and the collection agencies are illegally reporting since I have never been contacted by them. They are ruining my credit permanently. The last resort is me sending in a physical letter with my social, the case description and number and my drivers license and the reason they aren't my accounts. They are extremely difficult to deal with any other way. Might as well try that.