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

On XX/XX/2022, I received a refund from my XXXX- " XXXX XXXX '' for services not rendered for the amount of {$2100.00} using my debit card information they deposited the refund in my checking account ending # XXXX with Bank of America On the morning of XX/XX/XXXX, I received a notification that my account was overdraft. I also noticed two of my payment were returned. I immediately noticed that the orthodontics office charged the account for the same amount I got credited. I notified the Orthodontics office via email and over the phone and on both occasions, they denied that they made the charges. Same day I called the bank and submitted a dispute of the charges, they indicated that this will be investigated and that will take up to 45 days to complete such investigation in the meantime the account was on negative {$1300.00}. I followed up a few times with both the bank and XXXX XXXX and both keep blaming each other for this transaction. 
I visited two different branches of the bank, and instead of reviewing the evidence they keep directing me to the claim dept. which can only take faxes, do not email or calls. 
I sent at least 5 faxes with ample evidence showing emails. I received a few letters stating that a credit was generated but I never received such credit. In XX/XX/XXXX I received a call from the bank stating that they realized this was a mistake and that the claim will now go to a different department for review but that never happened. On the morning of XX/XX/XXXX, I found out that the bank was closed and reported to the XXXX XXXX for " abuse ''. 
Bank of America never contacted me asking for my evidence or to discuss why they closed the account. I have all the emails between the orthodontics practice and myself and all the faxes and letters I sent to resolve this matter with the bank.
Product: Credit reporting or other personal consumer reports

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

15 USC Section 602 A. States I have the right of privacy.15 USC 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instruction. ( I did not give ) .15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse then records of conviction of crimes which antedates the report by more then seven years.15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe. 

I am disputing all accouts with, all the Credit company 's. Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent item be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Debt collection

On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.
Product: Mortgage

I requested a XXXX forbearance from my mortgage company, but they have not contacted me or followed up. 

I have requesting, in writing via mail, a reduction in my XXXX. I have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Ive discovered multiple fraudulent credit card accounts, mortgages, and auto loans etc in my name. This is totally a mess these are accounts that are not mine someone has stolen my information and had accounts opened some resulted in charge offs. Ive never even heard of majority of the banks or whatever they are. THIS IS IDENITY THEFT! Anyhow, these are are the account that are fraud, as well as the dates the the fraudulent account we opened. 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. These are all FRAUDULENT ACCOUNTS OPENED IN MY NAME WITH MY CONSENT!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX [ XX/XX/2024 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Re : Dispute of Account with XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX **Original Creditor : XXXX XXXX XXXX XXXX **Credit Report Dispute : Inaccurate and Deceptive Reporting** **To Whom It May Concern : ** I am writing to formally dispute the accuracy of the account listed under XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This account is being reported in a manner that is not only inaccurate but also deceitful. Despite my multiple requests for validation of this debt, XXXX XXXX XXXXXXXX XXXX XXXX has failed to provide the necessary documentation, as required under the **Fair Debt Collection Practices Act ( FDCPA ) **, and continues to report incorrect information to the credit bureaus. 

Additionally, XXXX XXXX XXXX XXXX XXXX is known for engaging in deceptive practices, as reported on the XXXX XXXX XXXX XXXX XXXX  XXXX **, where multiple complaints highlight similar patterns of unethical behavior and inaccurate reporting. Their tactics undermine the integrity of the information being reported on my credit file. 

**Here are the key points regarding my dispute : ** 1. **Failure to Provide Legally Required Documentation** : I have repeatedly requested proper documentation to verify the validity of this debt, including : - A signed agreement or contract establishing my liability for the debt. 
- A complete transactional history that clearly shows how the amount claimed was calculated. 
- Proof of ownership of the debt from the original creditor, XXXX XXXX XXXX XXXX, showing that XXXX XXXX XXXX XXXX XXXX is legally entitled to collect. 

Despite these requests, XXXX XXXX XXXX XXXX XXXX has failed to provide any of the requested documents in a proper, accessible format. The documents they provided were in an inaccessible **zip file**, which I was unable to open, making their supposed validation meaningless. 

2. **Deceptive Practices** : XXXX XXXX XXXX XXXX XXXX is engaging in deceptive collection practices by claiming to have validated the debt without providing the legally required documentation. This is a violation of **15 U.S. Code 1692e**, which prohibits false, deceptive, or misleading representations by debt collectors. 

As such, I am requesting that **Equifax** conduct a thorough investigation into this matter. I ask that the account in question be removed from my credit report, as it is being inaccurately reported, and the collector has failed to provide sufficient validation under federal law. 

I trust that Equifax will handle this matter with the seriousness it deserves, and I expect that the inaccurate and unverified information will be deleted from my credit report in accordance with the **Fair Credit Reporting Act ( FCRA ) **, which requires accurate and complete reporting of information. 

Please provide written confirmation of the results of your investigation and any actions taken to correct my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Subject : Dispute of Debt - Request for Validation and Documentation ( Acct : XXXX ) To Whom It May Concern, I am writing to formally dispute the validity of a debt reported on my credit report by your company. The debt in question is associated with XXXX XXXX  and amounts to {$3800.00}. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting comprehensive validation of this debt. 
Specifically, I request the following documentation to verify the legitimacy of this debt : 1. Proof of Attendance : Documentation from XXXX XXXX that verifies my attendance, including dates of enrollment. 
2. Final Grade or Transcript : An official transcript or any records showing the final grades received for the courses taken. 
3. Course Details : Detailed information regarding the courses I was purportedly enrolled in, including course names and descriptions. 
4. Original Contract or Agreement : A copy of the original contract or agreement I signed with XXXX XXXX, indicating my obligation to pay the stated amount. 
5. Itemized Statement : An itemized statement of the debt, showing how the amount of {$3800.00} was calculated, including any fees or interest. 
6. Verification of Authority : Documentation proving that XXXX XXXX XXXX is authorized to collect this debt on behalf of XXXX XXXX. 
7. Payment History : A complete history of payments made on the account, if any. 
8. Prior Actions Taken by XXXX XXXX  : Detailed information on all actions XXXX XXXX took to contact me regarding this debt before transferring it to collections. 
9. Prior Actions Taken by XXXX XXXX XXXX : Documentation of any attempts made by XXXX XXXX XXXX to contact me and settle this debt before it was reported on my credit report. 
10. Proof of Initial Contact : As required by the FDCPA, proof that at least one of the following methods was used to contact me about the debt before it was reported to a credit reporting company : a ) Speaking with me in person b ) Speaking with me by telephone c ) Mailing me a letter and waiting a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered d ) Sending me an electronic communication and waiting a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered 11. Signed Documents : All documents, including electronic records or images, which bear my signature and which concern the debt being collected. 

Please note that this request for validation is made pursuant to the laws governing debt collection practices in the state of Massachusetts. Until these documents are provided, I am disputing the debt and request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to your response. Please send all requested documentation to the address listed above or via email at XXXX Sincerely, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX - XXXX - {$4900.00} Late Payment XXXX XXXX  XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX  - XXXX - {$1100.00} XXXX  XXXX - XXXX - {$0.00} Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Did XXXX XXXX XXXX have any involvement with XXXX XXXX XXXX XXXXXXXX XXXX  and loan XXXX. 

Tradelines XXXX resolve XXXX. 

Any involvement with XXXX XXXX fake XXXX at XXXX XXXX XXXX together. 


If XXXX XXXX XXXXXXXX continues lies, fraud and abuse of power refusal to answer my questions on Fraud the CFPB should issue a Fine.
Product: Credit card

On XXXX XXXX XXXX  I opened up a checking account with Bank of America. Before opening the checking account, I also had XXXX credit cards with Bank of America all set up for XXXX from an external Bank account. I also moved over my assets to become a Bank of America preferred rewards member. 

After I got home, my autopay on my three credit cards no longer worked. I called Bank of America and was bounced around to several different departments. One rep claimed I needed to wait a month for my credit cards statements to post. So I waited a month. 

The problem was not resolved. 

I then went in branch in early XXXX XXXX XXXX. I talked to XXXX people in person who claimed to " reset my billing system ''. They told me to wait XXXX hours and I could set up autopayments again. 

I waited XXXX hours, and was still unable to set up autopay. I then called BofA XXXX last time on XX/XX/XXXXXXXX XXXX XXXX  to explain everything that had happened until this date. They then reset my billing again, I waited the required XXXX hours and were STILL unable to solve the problem. 

Today is XXXX XXXX XXXX I have tried everything I possibly could. Now I would like to get the CFPB involved.
Product: Debt collection

I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX billing date XX/XX/2018. THAT IS NOT PROPER VALIDATION!
Product: Checking or savings account

I tried to send {$1000.00} USD using XXXX. The process expected that I be able to reply " YES '' to a text that I received. I was unable to do so, at the time, so I tried again, later, once I had access to my phone. When I did, I was locked out my account. It said I needed to call the bank to get the temporary hold removed. When I called the bank, I went through multiple identity verification steps, including text messages to my account phone and emails to my account email, along with personal information including digits of my SSN. After ALL of my identify verification was provided, I was told that I was suspected of suspicious activity and that my account would need to be " investigated '' before I had access to my funds. Upon calling back, I was told that an investigation may take 30 days. This was the first indication I was given - at all - that I was suspected of suspicious activity and after multiple requests I was told that I had no recourse at all. I simply had to wait for an investigation that may take an entire month. In the mean time, I have been immediately cut off from my bank account and all of my funds. And they were explicit with me that I had no other recourse but to wait for a call from an investigator. After calling back, I was able to escalate to a supervisor, but I was only able to leave a message with them and haven't received any indication from the bank that an investigation has begun, nor that a supervisor will be returning my call.
Product: Payday loan, title loan, or personal loan

I 'm being threatened with repossession over a {$10.00} late fee. I 've paid it once, because I did set up the payment late. the biggest issue is the interest rate. The rates were presented as 3 % but when I received my paperwork, the interest rate is much higher. I recently paid off any out standing debts that were not included in my bankruptcy 3 years ago. I 'm trying very hard to get back on my feet and they are completely unreasonable. 
I have payments sent via my credit union 's bill payer service and there was a glitch last month. the payment arrived a few days later than scheduled to this error. I provided Turbo Title dba Manor Resources with a letter confirming as such from my credit union and I was again threatened with repossession over it. My payments are always received within a few days of their due date. My due date for the loan changed from middle of the month to the XX/XX/XXXX of each month.I was originally told I could keep my middle of the month pay date as it is better for my budget. I 'm trying to pay this off as quickly as possible.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have the right to privacy.

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

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

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasons cause to believe that the.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdrafts fees I have incurred. despite having sufficient funds when transactions was authorized, I was charged fees due to lagged posting of charges in credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian Dispute Department po box XXXX XXXX, XXXX XXXX Subject : Credit Report Dispute Inaccurate Late Payments Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my XXXX credit report, I noticed incorrect late payment records on my Capital one account ( Account Number : XXXX ). Specifically, the report incorrectly marks late payments in XXXX with XXXX, XXXX, XXXX, and XXXX late designations, which I believe to be inaccurate. 
To my knowledge, I have made timely payments, and I request that these inaccuracies be thoroughly investigated and corrected. These erroneous late marks are negatively impacting my credit score, and I would appreciate your prompt attention to resolving this matter. 
Enclosed, I am providing supporting documentation, including my bank statements and payment records, which demonstrate my on-time payments during the disputed periods. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter and remove any inaccuracies within XXXX days. 
Please update my report accordingly and send me a confirmation of the corrections. If the information is not corrected, I request a detailed explanation of your findings. 
Thank you for your prompt assistance. Please confirm receipt of this dispute and keep me informed of any updates. 
Sincerely, XXXX XXXX
Product: Debt collection

Consumer disputed debt and requested proof to validate alleged debt ( Collector to provide original creditor 's contract with consumer 's signature ). Collector 's response was a statement of bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXX Bank Account Number... XXXX 
Account XXXX... XXXX XXXX of XXXX Account XXXX XXXX Account Name .... XXXX XXXX servicing Account Number... XXXX Account Name.. XXXX  XXXX  Bank Account Number.. XXXX Account Name ... XXXX XXXX XXXX in Account number... XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number... .. XXXX Account Name ... .... untitled Account Number... .. XXXX ... XXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

15 u.s.c 1681 S. -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat af payment on a credit card account under d + open end consumer credit plan as late for any purpose.