23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am formally disputing and requesting the immediate removal of fraudulent accounts from my credit report due to identity theft. Upon contacting, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. I have no knowledge of how the theft occurred or any information on suspects, and I did not benefit financially or otherwise. Under the Fair Credit Reporting Act ( FCRA ), prompt removal of fraudulent accounts is required. Therefore, I insist on immediate action to remove the disputed information from my credit report. Please delete the following fraudulent information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The XXXX of XX/XX/2021 I'd did a transfer using xoom ( a service of XXXX ), the amount was XXXX euros with taxes, from XXXX to XXXX, ( with the money exchange XXXX USD ), until now the money has not arrived, my family never received the money, I'm very upset because of the delay. I ask xoom and XXXX about the problem and the only answer was " upgrade problems ''. I want my money back!!
Product: Bank account or service

JPMorgan Chase Bank , N.A . closed my credit card and deposit accounts without any explanation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Checkbook Payment Holdings DBA Checkbook purports to be a Payment Service Provider ( PSP ). I attempted to use their service to send money to satisfy an account payable for my business. On the XXXX XXXX XXXX XXXXXX/XX/year> I used their service to send {$1200.00} to an individual. Upon scheduling the remittance, this company has, without explanation, frozen my account without explanation. I contacted this company on XXXX XXXX XXXXXX/XX/year> because the intend recipient alerted me that the transaction failed. This company failed to alert me of the issue in a timely manner, has deliberately evaded inquiry as to why my account was frozen, has failed to respond to my petitions for redress despite providing requested documentation, and has been grossly negligent in the resolution of this issue, which has opened by business to suffering financial harm. This company now has access to my business ' financial data and personally identifiable information with no remedy or recourse for me to revoke access or terminate use of their services and no assurances that the information I handed over won't be used in perpetuation of a crime or other fraudulent activity.
Product: Checking or savings account

A check written by and drawn on Credit Union in good standing was deposited via Remote Deposit Capture into my Bank of America account. The check is what is known as a " Teller Check '' in the amount of {$2600.00}. A day later, a 10 day hold was placed on my deposit. By law : " The following types of deposits must be made available on the first business day following the banking day of deposit ( " next-day availability '' ) : .... 
7. Cashier 's, certified, or teller 's checks deposited in person to one of your employees and into an account held by a payee of the check. ( Note : If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip. ) '' - Excerpt on Compliance with Reg CC, Determination of Availability of funds from  www.federalreserve.gov. 

I received a notice that my deposit, made on XXXX XXXX, XXXX in the amount of XXXX on hold and would not be available until XXXX XXXX, XXXX. The reason for hold given is " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

I believe this to be an unlawful hold. I have called the bank ( who is really a 3rd party organization who tells me they make these decisions for the bank ) to determine what reason they had to believe the check may be returned. They would not or could not give me a reason for what the indications were that the item may be returned, but repeatedly told me they could release the hold because of this 'reason '. They also repeatedly stated that they would provide me with the details after 'processing ' was complete. 

This is not the first check of this type that they have cleared through my bank. Holding checks because of indications that it may be returned, when in fact, the check has probably already cleared, is all but an excuse for the bank holding my funds ( and who knows how many others ) allowing BofA to make money off of the 'float '. This is, as I see it a misappropriation of Regulation CC " Reasonable Doubt '' rules for Exception check holds.

There is no reasonable cause for 'doubt ' as a ) the check is dated XXXX/XXXX/XXXX, so is neither postdated, nor staledated, nor has the institution declined to honor the check the bank is refusing to provide any evidence that " the existence of facts would cause a well-grounded belief in the mind of a reasonable person '' that the check is uncollectible, as the regulation declares a requirement for this type of hold. Also noted in this rule is the statement that the reason for your belief that the check is uncollectible must be included in your notice to the customer. This has not been done and is a very clear violation of the law.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

I purchase and item totaling XXXX XXXX make an initial charge of {$400.00} my chase Amazon XXXX card to be able to ship item, next day I cancel item due to the item difucult use, i cant yse this on my self I had to show someone else, it was comolicated to use a portsble Defribilator. 
Next day I cancel item and Amazon reflected this on my account. XXXX attempted Delivery on XX/XX/year> I refused the XXXX attempted delivery. 
The balance of XXXX was supposed to be bill by amazon in monthly installment.

Since item was cancel and package refused on attempted delivery.

I have put a dispute through Chase showing documents emails, responses from amaxon showing tracking of package and refusal of item tracking it back to UPS This is been going on since XX/XX/year> Chase told me that Didpute time have pass, I took Chase 3 months to rule on Amazon favor then closing Dispute.

I sent a Fax requesting a, reopening of the dispute again with all documentation reflecting package cancellation, refusal of attempted delivery by XXXX. Amazon keep refusing to refund me {$400.00}. 

I contacted Chase Executive offices complaining abou this issue. I receive a Chase internal letter XXXX XXXX stating the same outcome Chase telling me that is been so long since XX/XX/year> that Amazon is refusing to refund me and that the charge of XXXX was valid. 
Showing all the documents sent by Amazon to me about cancellation and package refusal. Is not fair what there doing is ore disgusting having all the require documents showing to rule on my favor and simply refund my XXXX and Chase the provider of card not protecting me as their consumer.
Product: Mortgage

My loan was sold without notice I found out the day before the effective date! I get my Documents online but was never notified in that method and have not seen any letters.
Product: Prepaid card

I had obtained a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was paid by the XXXX for the pandemic unemployment benefits which I had been a victim of identity fraud and my money was stolen from my bank account. I reported it and I have been denied more than XXXX  times although I provided documents of hospital stays where my account was hacked during a long stay in the hospital and I provided supporting police reports.
Product: Credit card

I booked a hotel stay at the XXXX XXXX in XXXX, CA on my Citi Visa card. The vendor ( hotel ) charged the wrong credit card. In getting XXXX to correct the error, XXXX then charged and refunded my Citi Visa card. On XXXX XXXX the vendor charged XXXX CAD to the Citi Visa card ( {$850.00} ). On XX/XX/2024 the vendor refunded XXXX CAD to the Citi Visa card ( {$850.00} ). This refund was an error ( should have been made to the other credit card ). However, there is a difference of {$5.00}. Essentially I am paying Citi {$5.00} for a service I never received. I contacted Citi to get the transactions to match in USD and was told I needed to contact the vendor and ask them to refund me the difference as a courtesy because of the difference in exchange rates between the USD and CAD. I believe Citi could do the same thing since the vendor sent them the exact funds for the transaction. Thank you for your assistance in resolving this issue.
Product: Checking or savings account

AROUND EARLY XX/XX/2022 I RECEIVED A NOTIFICATION OF A NEW FRAUDULENT ACCOUNT OPENED AND REPORTED ON MY CREDIT PROFILE BY THE NAME OF " XXXX XXXX. UPON RESEARCH THIS ACCOUNT SHOWS IT WAS OPEN XX/XX/2022, BUT IT JUST WAS REPORTING TO THE CREDIT BUREAUS IN XX/XX/2022. I CALLED THE PHONE NUMBER OF THE " XXXX XXXX '' ( XXXX ) XXXX XXXX BUT DID NOT RECEIVE A LIVE PERSON AND GOES TO AN AUTOMATED MACHINE WHEN I TRIED TO REPORT THE FRAUDULENT ACCOUNT. 
I HAVE BEEN DEALING WITH THESE FRAUDULENT APPLICATIONS BEING SUBMITTED ON MY BEHALF ALONG WITH MY MAIL BEING STOLEN FOR QUITE SOME TIME NOW. I HAVE NOTIFIED THE XXXX POLICE DEPARTMENT, FTC, UNITED POSTAL POLICE, AND NOW THE CFPB WHICH IS ATTACHED. 
AFTER ANALYZING MY ACCOUNTS AND STATEMENTS I'VE TO REALIZED FUNDS WAS WITHDRAWN FROM MY FIFTH THIRD BANK ACCOUNT IN THE AMOUNT OF : {$8500.00} ON XX/XX/2022 {$200.00} ON XX/XX/2022 {$500.00} ON XXXX XXXX {$8500.00} ON XXXX XXXX {$6000.00} ON XXXX XXXX I HAVE CALLED AND NOTIFIED THE FIFTH THIRD BANK ABOUT THIS MATTER WHICH PUT MY ACCOUNT IN A NEGATIVE BALANCE.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXXXXXX XXXX XXXXXXXX - Timing of PaymentXXXX XXXX XXXX XXXX Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXXXXXX XXXX XXXX XXXX  ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the negative account listed below, which remains on my credit report despite my multiple requests for its removal. 
This is my final demand for immediate action to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account reported as a charge off is too old to be on my credit report. The 7 years time frame to be deleted from my credit report was up on XX/XX/2020. 

Equifax continue to report this account perhaps XXXX  and XXXX  already deleted this item from my reports.
Product: Credit card or prepaid card

PNC Bank admitted to false advertising in response to a previous CFPB Dispute of mine. PNC stated " PNC reviewed the telephone conversation you had with PNCs Customer Care Center and determined that the representative you spoke with provided you with incorrect information. On XX/XX/2020, an employee incorrectly advised you about Zero Fraud Liability, and that the Account would be credited in two ( 2 ) days ... .However, on behalf of PNC , I apologize for any inconvenience you may have experienced. '' -- -- -- - PNC willingly admits that I was " provided with incorrect information '' on the XX/XX/XXXX phone call and offered an apology for there wrongdoing. -- -- -- -- Also substantial injury occured to me as I the consumer lost money from fraudulent transactions drawn against my account. The cost of PNC Bank to establish a minimum level of due diligence, monitoring, and response procedures to remedy the problem would have only been the cost to train an employee to not provide a customer with false information over the phone, which is far less than the amount of injury to me the consumer that resulted from bank 's avoiding these costs. I could not avoid the harm because both I and PNC reviewed the telephone conversation I had with PNCs Customer Care Center and determined that the representative I spoke with provided me with incorrect information.
Product: Debt collection

This inconsistency raises serious concerns about the thoroughness and accuracy of your investigation process. As a consumer, I am entitled to a fair and uniform assessment of all fraudulent accounts on my credit report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is bewildering that your bureau would acknowledge the fraudulent nature of some accounts while neglecting to address others. 
XXXX XXXX XXXX XXXXXXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX -- PLEASE DELETE!!!! 
XXXX XXXX -- PLEASE DELETE!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and comprehensive review of all the fraudulent accounts associated with my credit profile. If certain accounts were deemed fraudulent and subsequently removed, it stands to reason that the same rationale should be applied to all such accounts. Please provide a detailed explanation for the selective removal of fraudulent accounts and clarify the criteria used to determine which accounts are considered fraudulent and which are not. Transparency in this matter is crucial to rebuilding my trust in the credit reporting system.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have had a XXXX charge card for XXXX  years, always in good standing. My most recent transaction was to pay off the {$XXXX} balance, on XX/XX/year>. In XXXX XXXX was bought out by XXXX  XXXX, and rather than transfer my XXXX account to the XXXX  XXXX platform - they CLOSED my XXXX account, and then OPENED a new XXXX  XXXX account - without my knowledge or permission for either. Both actions have negatively impacted my credit report and score. I was alerted to this because my XXXX XXXX dropped from XXXX to XXXX, overnight. I am currently trying to buy a house, and this has had disastrous consequences. Also, XXXX XXXX supposedly XXXX me a new card for this new account- but I have never received it. I've attempted XXXX  times to call them to ask them to send me a card for this new account, but they will not. Currently they have my account 'Restricted " because of some alert to fraudulent activity that they will not discuss with me - and yet the account Restriction is also negatively impacting both my XXXX XXXX and report. They won't discuss whatever fraud they're worried about - because I refuse to verify my identity by sending XXXX XXXX a photo of my state ID. I've never been asked for physical documents to verify on a phone call, and it seems very intrusive and phishy. They will not verify my identity by asking my security questions or providing my Security PIN, or confirming my full SSN or XXXX, etc. I offered to provide all my past addresses or phone numbers, my mother 's maiden name, etc. - but they won't accept any of those as verification, in order to be able to discuss my account with me, or send me a physical card, so that I can use the account they opened for me without my permission. I should not have to provide a photo of a state ID to be able to access my own account which they are opening, closing, and restricting. They HAVE numerous other identifying pieces of information which can be used to verify my identity. It is unreasonable for me to have to provide yet more to gain access to my own account.
Product: Mortgage

Hello : My name is XXXX XXXX ; I live at XXXX, ME XXXX. My phone # is XXXX. My complaint is against Bank of America, who holds a mortgage on my condominium. BOA failed to pay my real estate taxes to the city of XXXX, which resulted in lien on my property. When I was first notified by the city about the pending lien, I called and spoke to a BOA representative who instructed me to send a cover letter with the notice from the city to BOA, and they would rectify the matter. I went to the local branch and did so, and was assured that the payment would be made. It was made, but after the due date, and thus the lien. I then spoke again to BOA representatives on couple of different occasions to see if I could procure documentation stating that BOA was at fault in not paying the taxes. My concern is that having a lien on my property, even though it has now been resolved, will reflect poorly on my credit ratings. The city is not reporting the lien, nor is BOA, but I 'm told there will still be a record of the action in my credit report. In short, this is likely to cost me interest points should I take out a loan for a major purchase such as a car or real estate. BOA can not provide documentation saying they failed to make the payment on time ; the burden is on me to contest the credit report should the lien show up, but without documentation stating what happened. This is irresponsible on the part of BOA, and it is extremely frustrating to be brushed off with boiler plate language used by the customer service representatives. " We are sorry XXXX XXXX ; we understand your concern, but there is nothing we can do because we did n't report the lien to the credit bureaus. '' I 'm not convinced this gap in payment wo n't happen again or that it is not happening to others. Can anything be done to put pressure on BOA to provide better and more professional service and to send some form of documentation that will help me corroborate my case should I need to contest the lien with the credit bureaus? 

Thank you. XXXX XXXX
Product: Debt collection

On Monday XX/XX/2023, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the Comenity Bank account ( account number ending in # XXXX ) Comenity Bank sold the original debt to debt collection agency XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. 

There are more violations : 1. I did not receive a written notice of debt from XXXX XXXX XXXX XXXX XXXX ; 2. With the summons I received, there is no conspicuous statement from XXXX XXXX XXXX XXXX stating that I have the right to dispute this debt ; 3. I have not received enough information to verify this debt ; 4. XXXX XXXX XXXX XXXX influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; 5. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. I have also included an FTC in my previous dispute, which I am also including in this dispute. Additionally, I am attaching my NOTARIZED identity theft affidavit to prevent your company from claiming that it has not been received.