23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I received notice that 2 collection accounts had been added to all of my credit reports. These accounts are from Medical Data Systems out of XXXX, FL. These accounts were medical bills that were covered by my insurance company that I've had for several years. I denied and disputed the accuracy of these accounts and they were still added to my credit reports.
Product: Debt collection

I am writing to bring to your attention a concerning issue regarding false invoices and excessive cleaning fees charged by my landlord. The details of the situation are as follows : Dates : The landlord visited the apartment one week prior to the move-out date, which was [ Date ]. During this visit, he addressed a ceiling leak issue originating from the upper apartment. 

False Invoices : Despite the landlord 's visit, he made no mention of the apartment being dirty or in need of extensive cleaning. However, I have recently received invoices claiming cleaning fees totaling {$1500.00}, which is an exorbitant amount for cleaning services that were not necessary. 

Apartment Condition : I would like to emphasize that the apartment was not left in a dirty or unkempt state upon my departure. I ensured that the apartment was cleaned thoroughly, following standard cleaning practices. The claim of {$1500.00} in cleaning fees is unjustified and lacks any supporting evidence. 

Lack of Disclosure : It is particularly concerning that the landlord failed to disclose any concerns regarding the cleanliness of the apartment during his visit. His failure to communicate any issues at that time further undermines the legitimacy of the cleaning charges. 

I kindly request that you intervene in this matter to investigate the false invoices and excessive cleaning fees imposed by my landlord. I strongly believe that these charges are unsubstantiated and unjust. 

Please consider this correspondence as my formal complaint and request for a fair resolution. I am eager to provide any additional information or documentation necessary to support my case.
Product: Student loan

Good afternoon, I believe that the Student Aid Foundation XXXX XXXX and it's registered agent and manager, XXXX XXXX, has made several indecent and potentially fraudulent business practices that need to be investigated. For many years, Ms. XXXX has proven to be unorganized, unprofessional and lacking any willingness to resolve matters quickly and timely. She continuously failed to provide any timely communications or transparency regarding my loan account. From the inception, Ms. XXXX sent me a past due notice when I received no prior communication for any invoices or payment deadline. She has also managed to send me an email related to another individual 's loan account in which I was not the intended recipient. As of XX/XX/2020, I learned that approximately {$730.00} of my monthly payments were missing from my account. It was through a " Past Due Invoice '' I received for past due payments of {$730.00} was when I learned that these payments were not properly reflected on my account. Due to my immediate concern, I contacted the CEO, XXXX XXXX, and also a financial adviser, of this issue. To date, Ms. XXXX and Mr. XXXX have failed to not only advise me of what happened to the payments made on the dates that my money was withdrawn, they claimed to not know where my payments went, and alleged that I did not make those payments. I have attached copies of statements which shows the select payments were withdrawn from my bank account. I am extremely concerned of the business practices of this Foundation, and have suspicions that fraudulent activity has occurred with the payments that I made. 

I would appreciate a quick response from the investigator to ensure that this will be thoroughly reviewed and investigated timely, as I believe that these individuals do not have any interest in cooperating. Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

My loan is not escrowed. I pay for my own taxes and insurance. I also have an adequate insurance coverage amount and type for my loan amount. I also timely pay my property taxes. I have provided proof of adequate coverage to Bank of America repeatedly and consistently since the beginning of my loan. Despite this, Bank of America is continually adding money to my principal and interest amount as " escrow. '' As this is not part of my loan I do not pay this amount and Bank of America then classifies my payment as late generating late fees. I pay the contractually required amount, have adequate insurance and pay my taxes and insurance on time. I do not know what I am being charged for that is an escrowed item as there are no escrows on this loan account. I have confirmed with Bank of America repeatedly that the insurance amount is proper. 
I have XXXX fire/dwelling policies and XXXX flood policies covering this property. The property has a front and a rear building which and each building is insured separately. 
I have a total XXXX XXXX and XXXX XXXX dollars in fire coverage and a total of XXXX XXXX and XXXX XXXX XXXX in flood insurance. On the front building my fire coverage is {$250000.00} with {$120000.00} in flood. On the rear building I have {$140000.00} in fire and {$140000.00} in flood insurance. Bank of America spoke with my agent and approved the amounts of all insurance in several phone calls. 
Despite repeated assurances of adequate coverage, Bank of America has not charged with force gap coverage for a policy which costs an additional {$3000.00} per year even though the underlying insurance only costs {$1300.00} dollars, and once again, after expressly approving the amounts selected with my insurance agent on multiple occasions. I and my insurance agent have been calling every six weeks or so. This past time we called Bank of America could not provide and explanation as to why due to " system issues '' ( XXXX XXXX ). We were told that Bank of America could not explain why the force placed coverage can not be removed and refused to provide any further answers. 
XXXX manager XXXX ID XXXX, stated that the issue was because they did n't have declarations pages for " prior years ''. This is the first time that anyone has stated they were missing declarations pages. Bank of America has charged me various amounts over the past several months in violation of our loan agreement and seemingly arbitrarily.
Product: Money transfer, virtual currency, or money service

I received an e-mail from XXXX XXXX claiming that I owe them {$420.00} for services to my computer. They e-mail had a phone number listed XXXX for me to call back to refute or accept the claim. I called and talked to XXXX XXXX XXXX ( personal cell # XXXX ) He accepted that they made a mistake and that the money was directly taken from my checking account from the XXXX  XXXX XXXX and when I asked him how did he get in to my account he assured me that he has my personal information. He however apologized that he will refund my money immediately. While he was in the process of refunding the money he told me that he mistakenly added {$40000.00} and that the money needed to repaid immediately if I don't want further problems. I saw it on the screen and after several calls from him I did what he told me to do. To get a Cashiers check and mail it immediately through XXXX XXXX Payable to XXXX XXXX of XXXX XXXX, XXXX XXXX California XXXX. He told me my original money {$420.00} ) will show up in my account the next day and for me to check with my bank, XXXX  XXXX XXXX. I did called him back to say there is no money in my account. 
My bank finally told me that the Cashier 's check was deposited at JP Morgan Chase in California and that I should follow up with their local CHASE Manager here in XXXX Md. I did and he told me that they will work and follow up with my bank to make sure that I get my money bank since it was deposited in CHASE bank. He promised that it may take sometime but I will get my money back. According to them it may take 90 days for a resolution between both banks. JP MORGAN CHASE BANK have remained very silent on this issue ; my life long retirement savings since my retirement last year. I have a copy of the deposited check in this bank and a signatory to the check which I will provide.
Product: Credit reporting or other personal consumer reports

I Need Transunion to remove first premier bank off me accounts I show proof that its should be removed. Im writing I request them to remove of unauthorized credit inquiries syncs XXXX XXXX XXXX XXXX credit acceptance XXXX XXXX First premier bank
Product: Checking or savings account

Hello yes i my week of XX/XX/2018 started off with nothing but i don't knows and incompetence. The large bank know as BB & T did nothing to help or assist the consumer after a direct lie. This lie is costing the start up company thousands of dollars and the bank does not care it could possibly cripple the company. The bank manager was not helpful at the location XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX after i informed her that her employees lied and she was also one that assisted in the set up of my account. I want the employees and the manager to be held accountable for all the charges i incurred for charge backs on the accounts as well as the fees i paid for my merchant services and the funds to be released from my account. Secondly i need to be compensated for my time so the total amount liable to bb & t should be {$3500.00} minus the released funds. 
The issue at hand i explained to BB & T as i set up an account for business banking that i would be processing checks through a third party that would be deposited in the account. I was informed of a specific account that would manage all of my needs. I was excited at the time to make BB & T my main bank. So as i transferred my account over to the bank i find out everything i was told was a lie! The bank then just gave me a bunch of i don't know 's and sorry we cant help you and then they said they will close my account! no one accepted responsibility for their actions that will cost a new small company thousands of dollars not even to consider clients that might cancel due to the terrible customer service of the bank. I have consumers that were charged fees and over draft charges from their accounts due to the delay of the bank.
Product: Debt collection

AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. 

Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, XXXX  and Trans Union to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am unsure of dates but I did have a checking ans saving account with Wells Fargo between the law suit dates. I was charged numerous overdraft fees. When I asked to closed was told I couldn't. The over draft fee got over {$1000.00} before they closed and sent to collections.
Product: Debt collection

After being served with papers indicating I was being sued by Rash and Curtis at home, they also sent a server to my place of work. They told the receptionist I was being sued. I had no idea up to this point that Rash and Curtis had bought my medical debt from XXXX XXXX XXXX. I had no idea who Rash and Curtis were. 
When I called them and explained the event occurred during a volunteer event with a church, and the church had said they would take care of of, they explained they were suing me and getting a judgement against me for 25 percent of my wages. I asked why they served me 1 ) by mail 2 ) at home 3 ) at work. They said that the servers were not their problem. I said they can't serve me at home, actually speak to me and identify me, and then 2 days later also serve me at my place of employment. They said yes they can.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, common wealth of Virginia child support, XXXX XXXX, XXXX XXXX XXXX in 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 : 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: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit reports from XXXX, XXXX, and TransUnion. 

The following seven companies have accessed my credit reports without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Furthermore, I requested that XXXX, XXXX, and TransUnion remove these inquiries from my credit reports. However, they refused, instructing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are adversely affecting my credit score and have significantly hindered my ability to secure a mortgage loan. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, XXXX, and TransUnion to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter would be greatly appreciated, as it is crucial for my financial well-being. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX : {$1900.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

XXXX, Experian and XXXX response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family.

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint XXXX XXXX XXXX XXXX XXXX, Wells Fargo Bank, XXXX, XXXX, or " XXXX XXXX ) '', XXXX Bank, XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX XXXX XXXX XXXX XXXX XXXX Report file of XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX NUMBER FOR THESE DOCUMENTS : XXXX
Product: Credit reporting or other personal consumer reports

Subject : URGENT Dispute Request for Immediate Deletion of Fraudulent Accounts To Whom It May Concern, I am formally disputing the fraudulent accounts listed below and demand their immediate removal from my credit report. XXXX is in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), and I expect full compliance with my consumer rights. 
Disputed Account Details 1. 
Creditor : XXXX XXXX Account Number : XXXX Status : Charged-Off / Collection Balance : {$14000.00} Date Opened : XX/XX/year> 2. 
Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Collection Balance : {$3000.00} Legal Basis for Immediate Removal 1.

Failure to Block Fraudulent Information ( FCRA 605B 15 U.S.C. 
1681c-2 ) {$1000.00} Violation The FCRA requires credit bureaus to block fraudulent accounts within four business days of receiving notice from the consumer.

Demand : These accounts must be permanently deleted immediately. 
2.

Failure to Conduct Proper Verification ( FCRA 611 15 U.S.C.

1681i ) {$1000.00} Violation per Account If XXXX can not verify the accuracy of these accounts beyond doubt, they must be removed. 

Demand : Either provide documented proof of verification or delete these accounts.Defamation and Financial Injury ( FCRA 623 15 U.S.C. 1681s-2 ) {$1000.00} Violation per Account The continued reporting of false information is harming my creditworthiness.

Demand : Stop reporting unverified negative information immediately. 
4.

Reporting of Inaccurate Data ( FCRA 1681e ( b ) ) {$1000.00} Violation per Account XXXX must ensure the highest level of accuracy in reporting. These fraudulent accounts prove a failure to do so. 

Demand : Remove the accounts immediately or provide concrete verification. 
5.

Re-Aging of Debt ( FCRA 605 ( a ) ) {$1000.00} Violation per Account If these accounts were previously removed and reinserted, XXXX is unlawfully re-aging the debt. 

Demand : If these accounts were reinserted, provide documentation of their validity or delete them permanently. 
6.

Willful Non-Compliance with Federal Law ( FCRA 616 15 U.S.C. 
1681n ) {$1000.00} Violation per Account XXXX can be held liable for statutory damages of {$1000.00} per violation, plus additional punitive damages. 

Demand : Failure to comply will result in legal action. 
Summary of Violations and Legal Consequences Total FCRA Violations : 12 ( 6 per account ) Potential Damages : {$12000.00} If these fraudulent accounts are not permanently deleted within 30 days, I will take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Initiate legal action for damages under the FCRA. 

Seek punitive damages for willful negligence. 
I expect written confirmation from XXXX regarding the deletion of these accounts within the legally required timeframe. Failure to comply will result in immediate escalation.
Product: Credit card or prepaid card

XXXX has reported to all 3 credit bureaus that my account with them has been charged off.I have disputed this false information many times and all 3 credit bureaus report back to me that the results from XXXX is stating charge off.I got in contact with a supervisor at XXXX on XX/XX/XXXX he would not give me his name but told me this account has been charged off.He could n't give me for what amount when was it charge off or anything. Told me to get in contact with the credit bureaus. I open an XXXX account back in XX/XX/XXXX my highest balance was {$180.00} never late. XXXX closed this account XX/XX/XXXX without me knowing. I did not authorize them to put charge off on my credit nor closed by grantor. False information that 's being reported! I want XXXX to remove this charge off and closed by grantor off my credit. My credit is taking a hit from that wrong information. Also can they sent me a letter stating they have removed from credit agencies.