23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/XXXX I was approved for a Bank of America ( BOA ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the BOA representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Bank of America. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my BOA representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called BOA back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to BOA with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact BOA multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to BOA, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that BOA XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that the following companies listed below offices provide me with competent evidence that I have any legal obligation to pay you. If not please DELETE collections listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Receivable Recovery # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 


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

To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Auto Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue. 

XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Alliant Capital, Repeated calls to me and my father claiming that I took a {$1500.00} loan in XX/XX/2020 which I did not and do not see anything similar on my credit report. I believe this is a scam and fraudulent. The repeated calls offer to settle the debt for a fraction of the principal. They have fragments of my personal information but nothing complete and always request my SSN before telling me anything about the supposed debt. I receive multiple calls per day.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple XXXX XXXXXXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Despite having already filed a dispute and providing all the necessary documentation, the credit reporting agencies and the companies responsible have failed to remove these inaccurate collection accounts. 

This is the second formal complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) because the previous complaint was ignored, and the inaccurate collection accounts continue to appear on my credit report. These accounts are causing significant damage to my credit score, and the continued reporting of this erroneous information is both misleading and a violation of my rights under the FCRA. 

Collection Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b. Balance : {$0.00} c. Account Status : Closed d. Date Reported : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy of the data they report. Specifically : Under 15 U.S.C. 1681b ( c ), the companies reporting these collections must have a permissible purpose for accessing or reporting this information, which they have failed to demonstrate. 
Under 15 U.S.C. 1681s-2 ( b ), the furnishers of information have a legal obligation to correct and update inaccurate or incomplete information once a dispute has been filed. Despite receiving my dispute, these furnishers have neglected to update or remove the inaccurate information. 

Furthermore, the 15 U.S.C. 1681e ( b ) provision requires credit reporting agencies to adopt reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. By continuing to report these erroneous collection accounts, the credit reporting agencies are in direct violation of this provision, and I am seeking corrective action under the law. 

The Federal Trade Commission ( FTC ) has issued clear guidelines about the obligations of credit reporting agencies and furnishers under the FCRA. My complaint is further supported by FTC Report XXXX. XXXX, which underscores the need for compliance with these legal obligations.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX and TransUnion ; regrettably, the matter remains unresolved to date. The items listed do not pertain to me and are a consequence of unauthorized fraud that I did not authorize. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit card

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX, they did not provide me with the original contract as requested.
Product: Credit card or prepaid card

In XX/XX/XXXX, I took a balance transfer from Citicards for {$2400.00} at 0 % interest until XX/XX/2020. The wording of the terms was constructed so that the terms of repayment were at best unclear. Recently, speaking to various Citicards staff, it was now made clear to me that higher interest rate activities would be paid off first on a monthly basis, and the lower rates last. Since my balance transfer has 0 % it receives only the minimum every month. In order for me to pay the transfer by XX/XX/2020, I will need to pay off all purchases and keep only the balance transfer amount so that my payments will be totally applied to reduce the balance. My understanding of the terms was that my monthly payments would be applied to the balance similarly to purchases. When applying for the transfer, their staff reads a script which is technical and wordy distracting your attention and understanding. I can not help but believe that Citicards ( Citicorps ) is engaging in fraud. The purpose of a balance transfer is to payoff other cards and to use just one. Citicards has created a win-win situation. If I use their card, my balance transfer is barely impacted by payments, and in XX/XX/XXXX they can impose their interest.
Product: Debt collection

I have four medical collections listed on my XXXX report from XXXX XXXX. I have written them numerous of times arguing that they are in violation for putting medical information on my credit report AND for the simple fact that these accounts do not belong to me, but are my husband 's medical bills. They have refused to respond to me and/or send me documents where I authorized them to release medical information to collect a debt, or validating the accounts to show how or why I am connected to these accounts. They have violated the HIPAA privacy ACT by doing so.
Product: Credit reporting or other personal consumer reports

Capital one - 5 cards out in my name XXXX. My child support card took My daughters and my information. XXXX they used for purchase account.closed. XXXX my oldest credit card I had to close I have an unknown auto loan in name also I come up on a mortgage I was never on.
Product: Mortgage

Hello, I had a mortgage with Ocwen from XXXX. I filed bankruptcy in XXXX but reaffirmed the mortgage. I was never more than a week or two late on my payments. Ocwen for some reason, by what seems to be mistake, wrote it off of their books as a Charge Back. I continued making payments on time and then sold my home in XXXX. Now I am trying to buy a new home and am having troubles as they are seeing the charge back which should have never took place. I believe I was unfairly treated so they could write it off on their books.
Product: Credit card

My prosper credit card credit limit was over 2000 which I rarely used when I had an emergency automobile repair which I used {$1000.00} of my credit limit. The next thing I know my line had dropped below this causing the card to be over the limit. My payment went from being between 40-60 a month to being {$280.00} due XXXX XXXX due for 1 month. My three accounts with Prosper have been paid and on time each month. This is not fair to struggling consumers who strive to repair their credit score. This kind of act cause it to be impossible for credit card holders.
Product: Money transfer, virtual currency, or money service

The app ive been using for my cryptocurrency/stocks were robinhood. i had an issue where money ive deposited from my bank to robinhood bounced back because i was using the wrong bank. After a few dats my account was restricted because of a negative balance in my robinhood account. Ive paid off that negative balance of {$700.00} once the notification popped up, even then my account was still restricted and i could not transfer any of my assets back to any of my bank accounts. The funds in my robinhood account were inaccessible, i had requested a call back for help from their support service but have not heard a call back even after weeks. I would get a notification saying that their team would look at it and get it resolved by a certain date but once that date came it would get pushed back a day and this continued for many weeks. ive tried to contact their support team more than 30 times but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, U S DEPT OF EDXXXX, XXXXDEPT OF ED / XXXX has violated my rights . XXXX  Account # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX doesn't hold a contract with me to report anything on my Estate or corporational being so there operation against me for starter are fraudulent and those of identity theft aside from this problem, They XXXX continues to report I owe a mortgage for a home I purchased back in 2020 XXXX which on the Warranty Deed I provided XXXX XXXX is not in contract. Fraud again against my Estate abd corporational being without authority to operate. I also opened a complaint with XXXX calling out XXXX XXXX Fraudulently operations that was opened XX/XX/XXXX its stuck on stage 2 since then 7 months later to much corruption within these organizations.
Product: Student loan

Hello, I am writing to file a formal complaint regarding Mohela 's handling of my federal student loan grace period and the resulting interest charges. 

I completed my classes on XX/XX/year>. Since then, I have contacted Mohela by phone and through their online portal on multiple occasions to inquire about the application of my grace period. Despite my efforts and providing proof of my last enrollment date, I have not received a grace period and my loan balance is now accruing interest. 

I have already submitted documentation verifying my final enrollment date, and I understand that my school has updated the National Student Loan Data System ( NSLDS ) to reflect this. 

I request that you intervene and instruct Mohela to : Remove all interest charges that have been applied to my loan since my enrollment ended on XX/XX/year>. 
Apply the standard grace period to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.