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

Hi there, Thanks for your help solve my issue with Bank of America. I am a self-employed accountant, I opened a personal checking account in BoA in XX/XX/2021 to collect tax and account services fee from my clients during these peak season. In usual, my client send me the services fee by XXXX or using a paper check. Sometimes my client let me give them account number and routing number to transfer money to my account. 
Bank of America closed my account without any warning. They told me that someone sent money to my account using their unemployment benefit account in BOA, the dispute money is {$400.00}. They not only closed my account based on disinformation, but also detained {$400.00} from my account without my permission. They also sent my information to XXXX XXXX XXXX and other agencies so that I can't open a financial account in any other bank. That made my work and life so inconvenience, I felt so frustrated. 
I tried to reach out to the customer service of BoA and XXXX XXXX XXXX to make a complaint, but no one can help me solve my issue. So please help me to contact BoA and let them make a detail investigation. They were very sorry to me when my clients heard this bad news of me, they are willing to prove that the money {$400.00} I got was based on the accounting service I provided. I can provide the client information if you need to make an investigation. 
It's the second time I fill out this form to submit a complaint, I can't reach out to BoA when I submitted a compliant in the first time. I missed their phone call when the first time, but every time is voice box when I tried to call back, no one answered my phone call. 
Due to the pandemic, my clients, who are most of XXXX guys, they are not good at english, they lost their jobs. So that's why they need the people, just like me to provide tax and accounting service for them. 
So I think the BoA 's decision to close my account was based on incomplete and inaccurate information, that's totally unfair to me. I want them to withdraw their decision and notify the XXXX XXXX XXXX and other agencies to remove my bad records. 

Thank you very much in advance, I am looking forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have contested over 4 times a debt accrued last XXXX of XXXX under XXXX XXXXXXXX, with XXXX XXXX XXXX trying to set collections out for the amount. I never took out the amount, and have told them that my mother has used my information to take out credit under my name in the past and to look into her being the perpetrator. As of XX/XX/XXXX, my XXXX XXXX XXXX and have yet to receive a death certificate from the coroner for it to be able to send to anyone of her untimely passing. I have told them this is the best lead to whoever took this credit out in my name at that time, and have been stonewalled, no more communication from them, just a mark on my credit for the amount in collections.
Product: Mortgage

What more do I need to send as evidence? I was told, because I never sent payments through XXXX XXXX to Wells Fargo. Wells Fargo has a history of illegal business practices for at least 20 years. I was also told, because Wells Fargo, if I had records of transactions, but unless I could show proof of said transactions the complaint has been submitted as closed. 
I managed to actually find some past records. The whole premise of you never sent wires and we have no records of them. 
I had made wire transfers as early as XXXX. The same time period that Wells Fargo as a company wide, known illegal, basically criminal activity. 
I have sent document after document, to get no answer or response. Every piece of paper I sent, disproving everything lie that was stated in the response letter from the Wells Fargo closing the case. 
So I have proven that not only did they lie and cover up, they are still lying and trying to figure some legal loophole. 
If Wells Fargo wasnt find guilty for this same illegal practices. Had they not diverted funds to bogus accounts only to disappear and not traceable. XXXX XXXX dollar fine confirms their illegal activity during this time period. We have been the victims of Wells Fargo for 19 years, 19 years of lies deceit and criminal activity, established guilt XX/XX/XXXX when the courts levied the largest fine to date. 
Ive done everything I can to prove the out right lies and the continuing lies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Pl XXXX XXXX, Ohio XXXX DATE OF BIRTH : XX/XX/XXXX Last XXXX SSN : XXXX Account : XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date : XX/XX/XXXX Dispute of Inaccurate Information on Credit Report Dear CFPB, This letter is to formally dispute inaccurate information on my credit report. I am writing to request your assistance under the following laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( b ) ( XXXX ) : This law guarantees my right to a report that is accurate and up-to-date. FCRA, XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) : This law allows me to dispute any information in my credit report that I believe is inaccurate or incomplete. FCRA, XXXX CFR XXXX ( d ) : This law requires the credit reporting agencies ( CRAs ) to investigate my dispute and respond within 30 days. Fair and Accurate Credit Transactions Act ( FACTA ), XXXX XXXX. XXXX ( a ) : This law prohibits credit reporting agencies from furnishing inaccurate or misleading information. XXXX has deleted this account from my credit profile due to inaccuracies. Transunion and XXXX continue to violate my rights by continuing to report inaccuracies which has tanked my credit score and caused massive stress! I request that the CFPB investigate this matter and instruct the credit reporting agencies to delete this account from my credit report. I have attached the following documentation to support my claim : I understand that the credit reporting agencies have 30 days to investigate my dispute. I request that you keep me informed of the status of my dispute and provide me with a copy of the investigation results. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Mortgage

On XX/XX/XXXX I received a second letter from Envoy Mortgage LTD. Reminding me that the alleged debt attached to current loan number XXXX was being transferred to XXXX XXXX with a new loan number of XXXX. I had received this letter previously and requested a validation of debt from XXXX XXXX and ceased all payments until this could be resolved. My confusion in this is my letter states that I must make payments to XXXX XXXX, but all correspondence must remain with Envoy Mortgage. If my Mortgage has truly been transferred to XXXX XXXX, then all services should be through XXXX XXXX and Envoy Mortgage LTD must cease all contact. 


p.s The letter was sent on legal paper, and too big for my printer to scan. I have included the cut off sections from pages 1 and 4.
Product: Debt collection

I file a complaint against FREEDOM DEBT RELIEF .IT HAVE NOT BEING RESOLVE.I want of my money that is left in my account.nothing have been done.. just a lot of phone call and email.the account is still the same.,. I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems Attention : Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Derogatory Account in My Name ; Victim of Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your immediate attention a concerning matter regarding my identity and the fraudulent activities associated with it. I have recently become aware that a derogatory account reported by XXXX XXXX, under my name, is a result of identity theft. I hereby request your cooperation in resolving this issue promptly to prevent any further harm to my financial well-being. 

Unfortunately, I discovered this fraudulent account when I received notification from XXXX XXXX  stating that my account was delinquent. However, I have never opened an account with XXXX XXXX, and I am not familiar with this derogatory entry or its associated activities. It is evident that I have fallen victim to identity theft, wherein someone has unlawfully been using my personal information for their own financial gains. 

In light of the above, I request your immediate attention to address this matter and conduct a thorough investigation into the fraudulent account reported by XXXX XXXX. I kindly ask you to take the following steps to assist in rectifying my situation : 1. Verify and investigate the existence of the derogatory account under my name. 
2. Clearly communicate with XXXX XXXX  regarding the fraudulent nature of the reported account. 
XXXX. Request XXXX XXXX  to provide evidence supporting their claim. 
4. Promptly remove the derogatory entry from my ChexSystems report. 
5. Provide me with a corrected and updated ChexSystems report reflecting the removal of the fraudulent account. 


I kindly request your support in resolving this matter as soon as possible. As a victim of identity theft, I have also taken several additional measures to protect myself, such as filing a police report and notifying the Federal Trade Commission ( FTC ). Enclosed is documentation confirming these actions. 

Please provide me with updates regarding the progress made in resolving this issue and keep me informed of any further steps required from my end. I appreciate your understanding and cooperation in assisting me during this challenging situation. 

If you require any further information or clarification, please do not hesitate to contact me via the above-stated contact details. I am available at your convenience to provide any additional information that may aid in the investigation. 

Thank you for your urgent attention to this matter. I hope for a swift resolution to clear my name and restore my financial stability. 

Yours sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am familiar with The Card Act of 2009, in particular, Paragraph 164. " Prompt and fair crediting of payments, Section ( b ) APPLICATION OF PAYMENTS, '' which states that any amounts above the minimum payment must first be applied to the card balance bearing the highest rate of interest. American Express is attempting to circumvent this law by using the expression " Plan Fee '' rather than Interest Charges or Finance Charges so they can apply payment amounts above the minimum due towards balances with lower fees rather than the highest fee. Representatives at AMEX stated that " it's not interest, it's a plan fee, so the Card Act does not apply. '' Their disclosure, however, refers to a " Plan Fee '' as a " Fixed Finance Charge '' as found on page 1 of 4 of " Cardmember Agreement, Part 1 of 2, '' and the " Plan Fee '' calculation method ties it to the APR for the account. Presently I have six balances that have " Planned '' repayment schedules which carry a zero interest rate, and two plans that carry interest rates of more that 25 %. Today I tried to pay off one of these high interest rate plans early, and I was told my payment would first be applied to the plan balance with the lowest plan fee ( interest rate ) first. This is in direct violation of spirit and language of the Card Act of 2009. I have a credit card with American Express that has a set credit limit and it is revolving. There are balances which I am not paying and full, and as such I must pay extra money to AMEX above and beyond the principal amount that I charged on my card. That amount of money is based upon the APR set on my account. Whether AMEX chooses to call it " interest charges, '' " finance charges, " plan fees, '' or simply " widgets '' -- the NAME should be set aside and the character of and reason I am paying more money every month above the principal balance should be considered to conclude that the relationship is subject to the Card Act of 2009, binding the card issuer to apply payments according to the law : balances with higher interest rates first.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  - {$660.00} XXXX XXXX - XXXX - {$390.00} XXXX - XXXX  - {$380.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

Threaten to keep making negative impact on my credit until I pay. I informed it wasnt my debt indenity was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current address is showing with a unit number but this address does not have a unit number. Disputed address with experian and XXXX and update did not remove unit number. 
XXXX XXXX XXXX XXXX  ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address
Product: Student loan

I am formally disputing the reporting of my student loan on my credit report due to a violation of the Family Educational Rights and Privacy Act ( FERPA ) by MOHELA. My student loan details were improperly disclosed without my consent, resulting in inaccurate information appearing on my credit reports, including XXXX XXXX. Under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), my educational records, including student loan details, should not have been shared without my explicit authorization. This violation has negatively impacted my credit standing, and I am requesting the immediate removal of this student loan debt from all credit reports, a written statement confirming its removal, and an explanation of how this violation occurred with assurances of corrective actions. If this matter is not resolved within 30 days, I will escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and the Consumer Financial Protection Bureau ( CFPB ). Please confirm receipt of this dispute and provide an update on the corrective measures being taken as soon as possible.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Debt collection

They keep calling, usually refuses to say who they are, or the company. When they do actually disclose this, they refuse to say why they are calling, other then to say its a personal matter. They refuse to state what the company does. They just keep saying its a personal matter, and the person does not even live here.
Product: Debt collection

I've been monitoring my credit for several months and noticed a Rent Recovery Solutions, LLC just popped up and says its been in my credit reports since XX/XX/2018, but I've been monitoring my credit since XX/XX/2018 and never saw this until recently. They claim I owe {$5300.00} that I do not. Based on the extremely poor reviews online, I have opted to file this complaint here to ensure that I get a response, period, let alone a timely one. I've even seen someone online say that they were hung up on, so it is not the best company to be dealing with. I am, however, also disputing this false account via the credit bureaus. I am outraged that this has appeared on my credit reports. I demand that original documentation in its original form, bearing my actual, wet signature is provided to me. This is what is required under the FCRA, section 609. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you must also provide the method of verification as required under Section 611 ( a ) ( 7 ). Moreover, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Therefore, if original documentation bearing my actual signature is given to me ( and I know for a FACT that I never signed a consumer agreement with Rent Recovery Solutions, LLC, then this false account MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Experian has been allowing this company to report after XXXX gave written consent that they would remove this paid account from my report in XXXX. I sent all my information and proof to them and they refused to remove this account from my report. I have tried to dispute but they abuse their position and just deny my claim without even doing a reasonable investigation. This account is also in violation of the FCRA 7-year limit to even report this account. The account is as old as XXXX. 


Account number XXXX This account should be removed from my report because it has passed the 7-year limit per the FCRA policy Account number XXXX They are allowing this company to inaccurately report on my credit report. This account shows the last activity was XX/XX/XXXX but that is inaccurate due to it being closed in XXXX. The last payment was in XX/XX/XXXX. They are also in accurately reporting the balance and I would like them to update the balance owed correctly or remove the account from my credit report. 



The following accounts should be removed from my report because they are all paid XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, SOUTHWEST CREDIT SYSTEM, XXXX XXXX XXXX Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Commonwealth Financial Systems is trying to collect a debt from me that I believe to be invalid. I have done research to see if this is a valid debt and there is no evidence that it is a legitimate debt. When I spoke with someone with the company and asked for proof of the debt, I was told that I needed to show them proof that the there isn't a debt.

I also researched Commonwealth Financial Systems and XXXX XXXX XXXX, who is supposedly the " creditor '', and there are tons of reviews on XXXX where people are making similar complaints about both companies. There are also numerous complaints on file with the XXXX. 

Commonwealth Financial Systems has dinged my credit report and my score was lowered by 40 points! As a result, today I submitted disputes with each of the three credit bureaus and I am also putting in a complaint here. I've been diligent about paying my bills and getting my credit in good standing and it is very upsetting to me to have this company come out of nowhere claiming that I need to pay a debt that is over 5 years old AND I haven't received any correspondence until last month! This alleged debt is from XX/XX/2013! I believe this company is not an ethical company and needs to be investigated and stopped from scamming others by holding them at the mercy of their credit reports.