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

The recent closure of my personal bank account without prior notification or valid explanation from Bank of America has left me in helpless despair. On Monday, XX/XX/XXXX, I contacted Bank of America to close my business account, as I had decided not to proceed with starting my business and put the plans on pause until I was able to be in a better financial position. This account was separate from my personal account which I opened at a later date. I wanted to bank with Bank of America and stop banking with my current bank XXXX XXXX XXXX XXXX where I receive my only income my VA XXXX checks due to me being a 100 % XXXX Veteran. However, on XX/XX/XXXX, I attempted to access my personal account, only to find that it had been locked and subsequently closed. I was shocked to discover that this had been done without any prior notification or communication from the institution. 
When I contacted the support team, I was informed that this was a business decision. I was given no further clarification and was spoken to like a second-class citizen. This decision has left me stranded overseas as I came to visit family for some time to get on my feet after going through bankruptcy earlier this year. The money was for me to start a new life for me and my fiance. My fiance and I reside in XXXX ( my place of residence ), without access to my life savings or financial resources. As a 100 % XXXX veteran, this situation has caused me immense distress to my mental health, primarily as I rely on these funds for my daily living expenses. 

I did nothing wrong to warrant the closure of my account, and I was never informed that such action would be taken. Given my current situation in a foreign country, the urgency of this matter can not be overstated. I am without access to my funds, which places me in an extremely vulnerable position. I'm not even able to purchase a plane ticket back to my home country, the United States. I implore you to address this issue with the utmost urgency. 

I can provide proof of my VA XXXX status i can provide proof of all my statements with XXXX XXXX XXXX XXXX and transaction history to my Bank of America account. I can provide all evidence of XXXX wrong-doing on my part.
Product: Debt collection

Company has been calling and emailing me after I told them numerous time to stop calling to collect a debt I know nothing about. This is from a result of identity thefts " According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. Thank you ''
Product: Debt collection

I have submitted numerous disputes to each credit bureau as well as Navy Federal Credit Union regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to NFCU and each of the credit bureaus via certified mail return receipt. NFCU received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. On XX/XX/2023, NFCU ignored the affidavit and refused the remove the identity theft related credit card from my credit report and instead only issued a statement that the account is under reinvestigation. 

Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to remove the identity theft related debt from the credit report permanently.
Product: Vehicle loan or lease

I communicated with XXXX XXXX XXXX to arrange the pickup of the vehicle, as I observed a violation of the Truth in Lending Act by the dealership based on the agreement. After the vehicle was sold, I received a call from a representative who informed me that if I paid a balance of {$640.00}, the account would be reported on my credit as satisfactory without any delinquent remarks. I disputed this claim, but she assured me it would be the case. However, she subsequently sent a fax stating otherwise. This conversation, which took place on XX/XX/year>, is recorded, and XXXX has the recordings. Despite this, my credit report still shows a charge-off with open balances. I request that this account be removed from my report.
Product: Mortgage

My mortgage loan was with Chase Bank. I missed XXXX payments and they would not me to make a plan to catch up the payments. They held off, as I later realized, they were being sued for mortgage loan fraud. XXXX months after I had tried to negotiate catching up my delinquent payments, Chase offered to do a Loan Modification, of the entire loan for XXXX years. This was late XXXX Chase added what they called XXXX XXXX XXXX of {$85000.00} to the new loan plus the delinquent payments. They have since sold the loan off to XXXX different financial services. They also added PMI to the loan for the entire XXXX years. I am still paying PMI on this loan the {$85000.00} is listed as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was shocked to discover tonight that my credit report had inaccurate accounts listed, and I have no clue why. I routinely check my credit, but this time, I saw unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors persisted. Im requesting that the documents Ive provided be thoroughly reviewed so I can avoid ever facing this again.
Product: Payday loan, title loan, or personal loan

I borrowed a total of {$2100.00}. but with daily calculated fees and interest it has accumulated to {$2500.00}, due to me not being able to make the payment of {$270.00} bi-weekly. I have called several times to ask being account is now in default to stop interest and fees which it states in the contract would happen once account goes in default, in oreder to set up a payment agreement to pay this back. Instead, Easy Money continues to charge interest and fees after default in order to make the pay back way more than borrowed, which truly is predatorial. Please stop interest and fees and allow reasonable payback.
Product: Debt collection

LVNV Funding LLC for Violating my Rights and Illegitimate Debt Collection LVNV Funding LLC regarding their unlawful debt collection practices and their disregard for my rights as a consumer. 

Recently, I became aware of a debt that LVNV Funding LLC claims I owe, but I firmly believe this debt is a result of identity theft. I have taken all necessary steps to rectify the situation, including reporting the identity theft to the proper authorities and placing fraud alerts on my credit reports. 

Despite my efforts to resolve this issue, LVNV Funding LLC continues to aggressively pursue the collection of this debt without providing any substantial evidence or documentation to support their claims. Furthermore, they have not acknowledged the possibility of identity theft or taken any steps to investigate the matter independently. 

I would like to bring to your attention the following violations of my rights : XXXX. Violation of My Right to Verification : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt within 30 days of receiving their initial notice. However, LVNV Funding LLC has not provided any valid supporting documentation verifying this debt despite multiple requests. 

XXXX. Ignoring the Dispute Process : The FDCPA also grants me the right to dispute the debt in question, and it is the responsibility of LVNV Funding LLC to investigate and respond to my dispute. However, they have blatantly disregarded this process and continued their relentless collection efforts. 

XXXX. Pursuing an Illegitimate Debt : As mentioned earlier, I have strong reason to believe that this debt is the result of identity theft. LVNV Funding LLC has failed to conduct a thorough investigation into the legitimacy of the debt, which is a direct violation of the provisions laid out by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX  correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now equifax : same
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

Subject : Notice of Dispute and Pre-Arbitration Demand To Whom it may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Additionally, I am notifying you of my intent to proceed with arbitration if this matter is not resolved promptly and satisfactorily. 

It has come to my attention that your agency may be in violation of multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692d ( 5 ) : Prohibiting harassment or abuse by causing a telephone to ring repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 
15 U.S.C. 1692e ( 2 ) ( A ) : Prohibiting the false representation of the character, amount, or legal status of any debt. 
15 U.S.C. 1692g : Requiring that within five days after the initial communication with a consumer, a debt collector must send the consumer a written notice containing specific information regarding the debt. 
I am aware that your agency likely acquired this debt for a fraction of its original value, potentially less than a third. Given this, I propose that we resolve this matter under reasonable terms. However, if we can not come to an agreement, I am prepared to initiate arbitration proceedings. Please be aware that the costs associated with arbitration, as well as the potential statutory damages for your FDCPA violations, will far exceed the amount you have invested in acquiring this debt. 

To avoid unnecessary legal action, I demand that you cease any collection activities and engage in good-faith negotiations to resolve this dispute. Failure to do so will result in the initiation of arbitration proceedings, and I will seek full recovery of costs, including those associated with your violations of federal law. 

Additionally, I request that a high-ranking official within your company review this dispute and personally sign any response. This signature will serve as a confirmation that the information provided is a true and sworn statement of your companys position regarding this matter. 

I expect your prompt response within 30 days of receiving this notice. If I do not receive a satisfactory response, I will proceed with arbitration. 

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

I mailed a letter to the credit bureau on XX/XX/2021 then another one on XX/XX/2021 regarding wrong accounts on my report. It is now 56 days from my first letter and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a complaint was filed with Consumer Financial Protection Bureau with XXXX XXXX XXXX XXXX disputing the information that is being provided to all 3 credit reporting agencies concerning a previous auto loan, account # XXXX In that complaint I requested that XXXX  remove the negative info reporting that my account went 60-90 days past due. My payments with XXXX were due on the XX/XX/XXXX of  each Month and a late fee would apply only if payment were not received on or before the XX/XX/XXXX of the following month. 

XXXX  further stated in their response to my original complaint that the delinquency was reported due to " no payment being received in XX/XX/XXXXor XX/XX/XXXXwhen in fact a payment was posted on XX/XX/XXXX for {$360.00}, and the XX/XX/XXXXpayment was posted on 08/26/2019 well within my 30 day grace period. Payment schedule to follow. 

There has been a 2nd complaint ( XXXX due to the fact that I have called XXXX XXXX, faxed them and sent an email and this issue has still not been resolved. 

The Fair Credit Reporting Acts state that a creditor must report accurate and complete information to all available reporting agencies! My rights are being violated due to XXXX XXXX refusal to treat this matter as urgent and to correct the errors they are reporting Enclosed you will see that not only is XXXX XXXX reporting inaccurate info, they are not even providing consistent info to the 3 reporting agencies! 

Please also review the account summary of payment history from XXXX XXXX where it clearly shows a payment on XX/XX/XXXX, XX/XX/XXXX and the very last payment which PAID OFF my loan on XX/XX/XXXX. You can also view where XXXX credited my account which were $ XXXXeach, on XX/XX/XXXX for ( {$35.00}. ), yet XXXX reported to Equifax that payment was 60-90 late! 

I need this information updated as sson as possible to ensure my appliaction for a mortgage will make it through underwriting so please understand the urgency inwhich I am writing!
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I discovered the following account on my report Fraudulent Account with XXXX XXXX ( Account Number : XXXX ) opened on XX/XX/2022, with an outstanding amount of {$660.00}.
Product: Money transfer, virtual currency, or money service

I filed this situ ation on BBB but google answered same answer over and over so I filed this here.       Google p ayment service has been terminated for no reason.   On  XXXX   2017,  during spring break, a lot of people was visiting my house and I found s omeone made a transaction with google store without authority using one of my devices. I contacted google soon but the y said I have to contact service provider ( app developer ). I tried to contact them but no response. I contacted bank to file unauthorized transaction dispute and I got my lost money back. After that,    google suspended  my account and said revert charge back. I asked them I can do that but what about my money, I told them if they honor to refund my money if I revert chargeback, I would do that but they repeat same answer : " We understand that you would not like to reverse the chargeback that was placed in you r Google  Wallet account. As such, we will keep the account suspended as a security precaution. '' it seems like automated response so I filed on BBB, and actual person -who named  XXXX   from   google responded. He said same thing like machine. This is the last respo nse : " As Previously stated, on the  XXXX  response, I can not promise or guarantee the outcome of the secondary review.   The only thing I can tell you that is a definite fact is that the account will remain closed as long as there are chargebacks. You can choose to reverse them and have have the charges be reviewed again, or you can chose to leave them, which would leave the account in the closed state it is in today. " Which means " you have choose to potentially robbed by us, or be kicked out from our service '' I have no idea how could business running like this way legally.
Product: Debt collection

I am disputing a {$4400.00} collection account reported by National Credit Systems ( NCS ) on behalf of XXXX XXXX XXXX ( PPM ). Despite multiple disputes and requests for validation, NCS failed to provide legally required verification of the debt and continued collection efforts. 

I submitted three formal disputes to NCS ( XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX ), pointing out that the debt was improperly assessed and requesting supporting documentation such as : a signed lease agreement; Invoices, receipts, or photos supporting the alleged damages and duplicate charges ; and proof that the charges complied with XXXX XXXX XXXX which requires tenants to be made aware of charges within XXXX of move out. 

I was never advised of my right to dispute this debt by NCS, and only did so after educating myself following the initial correspondence dated XX/XX/XXXX. 

The debt is invalid due to unsubstantiated charges and improper collection procedures by the rental company, and I have extensive documentation ( including residence photos and emails with the rental company ) I have sent to NCS multiple times -- yet they have not responded to or acknowledged those facts. 

They have only provided one generic ledger from the rental company, ignoring all specific validation requests. Despite my disputes, they continued collection efforts and reported the debt to credit bureaus. Their improper reporting has resulted in my credit score dropping by XXXX points as of XX/XX/XXXX, damaging my ability to secure housing and loans. My credit report now states " National Credit Systems - Collections, '' causing ongoing financial harm.
Product: Checking or savings account

I am writing to express my frustration regarding a delay in receiving my direct deposit through Capital One. My scheduled direct deposit, which was supposed to be credited to my account on XX/XX/year>, has not yet been received as of XX/XX/year>. 

The delay has caused significant inconvenience, as I rely on timely access to these funds for essential expenses. I have verified with my employer that the deposit was initiated on time and correctly. It appears that the issue is on Capital Ones end, as many customers have reported similar delays with their deposits being withheld for 2-3 days.

I have attempted to resolve this by checking my account multiple times and reaching out to customer service, but I have not received a satisfactory explanation or solution. I expect Capital One to resolve this issue immediately, ensure deposits are processed promptly, and provide clear communication regarding the cause of the delay. 

Thank you for addressing this matter urgently.
Product: Checking or savings account

XXXX XXXX is contacting the Consumer Financial Protection Bureau in regards to a fraud / refund of $ XXXX from XXXX XXXX for the services listed by XXXX XXXX. She is sending a demands letter to the company XXXX XXXX and would like support in reversing the charges on her XXXX XXXX Account - as she did authorize, however services were never delivered and the company was found out to be fraudulent. 

Please see demands letter from XXXX XXXX : XXXX XXXX has informed us that the contract signed to help scale her agency required two months to obtain funding, and if not accomplished, XXXX XXXX would refund the initial investment of {$2000.00}. Two months passed and XXXX XXXX did not receive any funding. Consequently, XXXX XXXX requested the refund months ago and emphasized the request to due a financial emergency. However, XXXX XXXX has refused to communicate with XXXX XXXX who have since discovered XXXXXX/XX/XXXX bad reputation of failing to meet financial obligations. 

Accordingly, this law firm demands that XX/XX/XXXX return the {$2000.00} to XXXX XXXX within twenty days of the date of this correspondence. From the information provided to this office, XXXX XXXX breached its contract with XXXX XXXX by failing to provide any of the agreed-upon services. The failure to provide the services also constitutes a breach of the implied covenants of good faith and fair dealing towards XXXX XXXX by depriving her of the benefits of the contract. DK Closers also fraudulently induced XXXX XXXX into entering the contract by representing that it would assist her in expanding her marketing agency when XXXXXX/XX/XXXX had no intention of doing so.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Communication and Formal Dispute of Debt under 15 U.S.C. 1692c ( c ) and FCRA Dear Sir/Madam, I am writing to formally dispute the validity of the debt that your agency claims I owe. I also hereby request that you cease any and all communication with me regarding this matter, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ). 

The details of the disputed debt are as follows : Creditor Name : XXXX XXXX XXXX Amount Claimed : {$580.00} Creditor Name : XXXX XXXX XXXX Amount Claimed : {$500.00} Creditor Name : XXXX XXXX Amount Claimed : {$270.00} According to 15 U.S.C. 1692c ( c ), upon receiving a written notice from a consumer requesting that a debt collector cease further communication, the debt collector must cease all attempts to communicate with the consumer except to inform them that collection efforts are being terminated or to notify them of any specific legal actions being taken. This letter serves as my formal written notice to cease all further communication regarding this matter, whether by phone, mail, or any other means. 

Additionally, I am disputing the accuracy and validity of the debt you are attempting to collect. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), you are obligated to conduct an investigation of any dispute that a consumer raises about the accuracy or completeness of information reported to credit bureaus. Therefore, I demand that you verify this debt and ensure that any inaccurate or unverifiable information is removed from my credit report immediately. 

Please provide me with written confirmation that you have received this cease and desist request and that you have either verified the debt or removed it from my credit report, in compliance with FCRA guidelines. Failure to comply with these federal laws may result in legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX