23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX  provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX  and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on EXETER FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

XXXX complaint # 15 days and no answer. Don't worry they've been doing this to me since XX/XX/2020. Navy Federal Credit Union has gotten too big, if it is unable to take money from you in loans, overdrafts, and transaction fees, it doesn't want your business. It just doesn't answer your problems. If I don't have to listen, then I don't care. I keep getting these log-into your account emails, then they lie to me. Keep an accurate document trail, then do like I did to XXXX  XXXX XXXX, Never Ever put money in a XXXX account, but make sure you invest in their stock ... You'll get RICH. YUP. 
CFPB it appears is the same. I bet you're funded by them.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, Im writing to you about a fraud situation that occurred, in which my money was stolen from me. 

I was in the midst of looking for an apartment. I came across a man on XXXX who posed as a property manager. He reached out to me, and we began the process of subletting an apartment. He told me to XXXX him $ $ to an email address, which I did. I have sent money to a landlord before, so this wasnt out of the ordinary. He asked for several payments, adding up to {$1100.00}. He got the payments, wrote up a contract, and I signed it. My lawyer even looked over the contract, and it came up as a lease. The next day, when I went to do an address change, I realized that the apartment wasnt valid. I went straight away to our conversation, and realized that he blocked me. I immediately called the bank, and told them what had happened. They transferred me to XXXX fraud of Bank of America, and told me that they were going to open up a claim. They stated that I would be getting my Money back within 45 days. I called several days to get updates on the case. They said several times on recorded recordings that I would get my money back. Fast forward to XX/XX/2023, the fraud team was on the last step in the process. They told me that they found who took my money, and which bank it went to. They also told me that they sent a deny letter in the mail, stating that I wouldnt be getting my money back. If there are recordings of Bank of America telling me that I will get my money back, several times, then I should get my money back. They sent me information via email about the fraudulent property manager to file a police report because they couldnt take the case any further. 

The fake property manager took 3 payments : - XX/XX/2023 : {$450.00}, {$450.00}, {$200.00} The deny letter was mailed to my house on XX/XX/2023. Claim Number XXXX I just want to know why there is a contradiction when the Bank of America stated that I would be getting my money back to turn around, and say that I wouldnt get it back. They waited a whole 45 days, wasted my time, and had me wait 45 days to get to the end result. By law, shouldnt I be legally binded to have something recorded by your staff to get my money back. The bank cant take any extra steps, but is affiliated with XXXX who is under Bank of America. 

Im pleading to you as the Consumer Financial Protection Bureau, and to do all that you can do to ensure that I am able to get my money back. Policies and laws should be made to protect the individual who has the bank account. 

This goes beyond me. This is for future consumers. This situation should not happen to the next person. I have been humiliated, and have lost my hard-earned money. This is horrible. This fraud shouldnt be able to get away with this, especially since they know who and where he is. Further steps should be taken to charge this criminal. I intended to use this money for other purposes. Again, I will do whatever it takes to get my money back. I would like my money back. I will also be following up with the President of Bank of America, as well. 

Warm Regards, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, at XXXX PM, I noticed a man named XXXX who is employed by XXXX XXXX XXXX attempting to illegally remove my automobile from my private driveway. After I had to repeatedly ask XXXX to provide his identification or license information, XXXX provided CA XXXX by pointing at the side of his tow truck. I had already called local law enforcement to the scene. When local law enforcement arrived, the police officers on the scene refused to verify XXXX 's identity and just took the work order on his cellphone as sufficient proof. I later found, XXXX had lied to the police and told dispatch, I banged on his window. The security cameras at my place of adobe will prove that is a complete fabrication. After getting threatened with arrest by local law enforcement, XXXX was illegally allowed to take possession of my automobile. After XXXX and local law enforcement were gone, I searched for XXXX 's license status on the Department of Consumer Affair website; it appears that the license number XXXX provided is not active to his name or industry. Pursuant to 15 USC 1692c ( b ) I did not give XXXX prior direct consent for communication. XXXX infringed on my right to privacy and terrorized me when he possessed my property without my consent.
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 XXXX 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 : 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

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding multiple inaccuracies and potentially unlawful items reported on my credit file by various creditors and debt XXXX. These accounts contain erroneous and damaging information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts XXXX Account Number : XXXX Issue : The account shows a balance of {$6900.00} with a credit limit of {$4300.00}, reflecting a 100 % + usage rate on a closed account, which is misleading and derogatory. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ), ( inaccurate reporting ) ; 1681e ( b ) ( failure to maintain accurate data ). 

XXXX XXXX Account Number : XXXX Issue : 100 % utilization reported on a closed account, balance of {$670.00} on a {$600.00} limit, creating a falsely negative impact. 

Violations : FCRA 1681e ( b ), FDCPA 807 ( 8 ) ( false representation of character/amount ). 

XXXX XXXXXXXX XXXX Account Number : XXXX Issue : The reported balance exceeds the credit limit, which is inaccurate for a closed account. 

Violations : FCRA 1681c ( obsolete and misleading reporting ). 

XXXX XXXX  Account Number : XXXX Issue : 100 % utilization ( {$9700.00} on {$9000.00} ) despite being closed, misrepresenting risk to potential creditors. 

Violations : FCRA 1681s-2 ( b ), FDCPA 807. 

XXXX XXXX XXXX  Account Number : XXXX Issue : 0 % usage, yet still flagged with 7 potentially negative months. The account has a {$0.00} balance. 

Violations : FCRA 1681i ( failure to update or delete inaccurate info ). 

XXXX XXXX XXXX Account Number : XXXX Issue : Debt is listed as paid off ( {$0.00} balance ), but still marked collection account, past due, which is misleading. 

Violations : FDCPA 807 ( 2 ) ( A ), FCRA 1681s-2. 

XXXX XXXX XXXX Account Number : XXXX Issue : Collection status reporting an unpaid balance of {$3500.00} without validation of debt. 

Violations : FDCPA 809 ( b ), FCRA 1681b ( a ) ( 3 ).
Product: Checking or savings account

Had a credit account that was assigned in my divorce. Unfortunately, Navy Federal Credit Union charged the account off as a bad debt. I contacted Navy Fed and inquired about this debt and ability to open a checking account once this was paid off. The rep on the phone said yes, once paid off you will become eligible. 

XX/XX/XXXX, account was paid off with letter in hand stating balance was XXXX and now Navy Fed has changed their position and said I am now permanently banned from opening an account. They decietfully lied to me in order to get this account paid off. I have been informed that there is no way I will be allowed to open any accounts because Navy Fed lost money even though the account is paid off. This is their problem not mine and I am being punished for it. I was intentionally misinformed and now they don't want to make good on their promise to allow me back as a member now that the debt is paid off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not meet the requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed accounts that are reported incorrectly with proof from XXXX that the reporting is incorrect. They repeatedly state verified as accurate. I have also repeatedly complained with the CFPB that they have NOT verified causing me to be denied credit and employment. XXXX needs to be sued! As well as be banned by the FTC!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.I have never been late on payment of this account ; XXXX XXXX XXXX.Please investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. Thank You.
Product: Debt collection

requested, through certified mail, debt validation. been way over 30 days and they are yet to respond
Product: Credit reporting or other personal consumer reports

EXPERIAN credit Report from XX/XX/XXXX contains many errors & inaccurate information. The FAIR CREDIT REPORTING ACT states the credit reporting agency must exercise THEIR GRAVE & ASSUMED role responsibly in keeping the non-consented information XXXX to the PERSON the report is being MADE ON. I NEVER found it equitable in EXPERIAN reporting a collection by XXXX XXXX XXXX account XXXX from XX/XX/XXXX to XX/XX/XXXX. EXPERIAN NEVER HAD MY PERMISSION to report XXXX XXXX account XXXX as potentially negative. I DO NOT FIND THIS REPORTING TO BE EQUITABLE in ANY way. EXPERIAN NEVER HAD MY PERMISSION to report XXXX XXXX account XXXX from XX/XX/XXXX to XX/XX/XXXX as potentially negative. I DO NOT FIND THIS REPORTING TO BE EQUITABLE in ANY way. I do NOT find it equitable in EXPERIAN reporting XXXX XXXX account XXXX in a negative manner from XXXX XXXX XXXX. EXPERIAN NEVER HAD MY PERMISSION to report EITHER XXXX XXXX XXXX XXXX accounts XXXX in a negative manner since XXXX XXXX. I DO NOT FIND THIS REPORTING TO BE EQUITABLE in ANY way.
Product: Debt collection

This company is trying to sue me in court and has filed. I've informed them in writing, in person, provided the police report that dates 2015, and the federal reporting number to them. They postponed the court date and I just received notice that they've set a new trial date for XXXX. They have refused to answer my emails, my requests for a call back. I've provided the appropriate documentation that they asked for, yet they persist to pursue me. All that they are interested in is a piece of paper saying that I owe them money, yet they ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

DMI XX/XX/2018 Property Foreclosed and Lender won't acknowledge and acts like this is a current bill or debt. Faxed and writing several times. Give definitive status to close now and forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXXXX/XX/XXXX( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Experian XXXX XXXX ( XXXX ) XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Account # XXXX Dear Sir or Madam & CFPB I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$11000.00}, and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX Lastly. 

Within four business days after receiving your request, the credit reporting company must block that information from your credit report. 

Is this not the law? So why do you keep returning this account validated by the same company accused of fraud? 

I ask the CFPB to use their enforcement authority to resolve this issue and do a thorough investigation into this matter. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. 

Enclosures : passport, state issued ID, utility bill with current address and more proof.
Product: Money transfers

It appears that PayPal has locked or closed my account but the unbelievable part is I believe I still have a positive balance in the account, there has been zero notification ... I feel this was intentional because perhaps they are very unprofessional and are upset I 've filed disputes against them ... I 'm not positive there is money in the account because I tried to do a refund but ca n't log in and have n't received any further notifications. It would be very very bad however if they are locking people 's accounts and holding money and then just expect consumers to have to call and work things out or whatever they may expect. What it is, it would be wrong!
Product: Credit reporting or other personal consumer reports

Kia Motor Finance is reporting to credit Bureaus I owe 100 % on the loan. The car was taken in XX/XX/XXXX. The maturity of the loan had expired. I received a letter that the vehicle was being auctioned on XX/XX/XXXX. I looked at my credit report to see the balance due was {$3600.00}. I called XX/XX/XXXX requesting a XXXX. I never heard back from Kia. I called XX/XX/XXXX, I only to find out no broken down of the bill sale was mailed to me the car was sold XX/XX/XXXX. I requested a XXXX, I would like the reason why the XXXX was denied. Why I didnt receive my bill of sale and why Kia is reporting my payments were late every month XXXX and XXXX. Why is Kia reporting I owe 100 % on the loan that was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied online for a line of credit through PNC secured by a XXXX mortgage on our home. I provided information to support my income that I reported including personal tax returns. I have been a partner at a law firm for 13 years. PNC insisted on getting not just my personal tax returns but returns for our entire business which would expose sensitive personal information for other partners. I explained to PNC that the K-1s are the equivalent of W-2s in demonstrating my income. Our firm does not distribute our partnership tax returns because they contains personal info for all partners. Our COO did not understand why the partnership returns were relevant to underwriting my income for a home equity LOC. The PNC " supervisor '' ( XXXX ) said that she was unwilling to even speak with the firm COO and that in order to move forward with the home equity LOC I needed to provide the firm tax returns and divulge all the personal information of my other partners in the firm.
Product: Credit reporting or other personal consumer reports

I have a letter from XXXX XXXX XXXX XXXX, stating.in writing please removed from my credit file. Thank you. 
We're no longer the creditor on your account.