23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Account number:2nd request and Demand Letter 1. Violations Of XXXX Fair Debt Collections Practices Act 2. Violations of the Federal Fair Debt Collections Practices Act 3. Violations of the California Consumer Credit Reporting Agencies Act. 
4. Violations Of the California Business and Profession Code. 
( 2 phone calls received post revocation of consent to be contacted. 

This certified letter, is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : Please see my full complaint dated XX/XX/2016 attached.
Product: Credit card

I lost my Job.I talked with Bank of America about my Credit Card to see if my payments can be put on hold due to being unemployed. They never even tried to do that. Instead they added a charge off plus interest a total of {$830.00}. Then they sent the bill to a collection agency.Bank of America made extra charges to my account for no legitimate reason.Hard working money that I try to earn to pay off. After I found out about this I recalled Bank of America again to discuss my credit card to see if they can work with me on the payment. But still they could not. 
Please see if yall can help me with this please. 
Thank you for your time, and concern. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo has inaccurately closed my business credit card ending in XXXX for non payment of the balance of a employee credit card. Firstly I want it known that I had 0 access To see that balance as my balance stated on my online portal was always XXXX. My balance was XXXX dollars, where this XXXX dollars came from? I have no idea why my card was closed due to non payment of XXXX dollars, when I hold a average balance of over XXXX XXXX XXXX in my Wells Fargo checking accounts. I hold multiple personal credit cards, personal and business accounts and a high amount of money in a brokerage account with Wells Fargo. I only bank with Wells Fargo yet I feel like an outsider being attacked for the XXXXXXXX XXXX that I supposedly did not pay. I was never contacted and I was never told to pay that amount or even that I owed that amount. I feel truly attacked as a consumer and as a almost 8 year member of wells Fargo. After Wells Fargo closed that account I was declined on many applications for business loans, personal loans and lines of credits. All because I had a credit card close for non payment. I see this as beyond unfair. In there response to me, Wells Fargo also fails to do any research and states incorrect dates of this particular case. Stating that my card was closed in XXXX of XXXX and then later in XXXX. I expect nothing less of a bank that robs its loyal customers of service for inside issues of its own internet/ online portal systems. From wells fargo Your XX/XX/XXXX, business card statement showed the amount of {$25.00} due on XX/XX/XXXX. Your XX/XX/XXXX, statement showed a past due amount of {$25.00}. Your XX/XX/XXXX, statement showed the amount of {$25.00} due on XX/XX/XXXX. 
The XX/XX/XXXX, showed a past due amount of {$25.00}. You paid the total amount due on XX/XX/XXXX as always with wells fargo I am confused and betrayed at the reasoning and the simple fact that this could have all be resolved by reaching out to me. In conclusion my card was closed without any notice, i had no idea there was any balance and to later find out it was XXXX XXXX, i was attacked, betrayed and dumped to the side by wells fargo. I included a email conversation with my wells fargo banker. I tried to figure out why i was getting these notifications because my online account had no balance whatsoever for that credit card.
Product: Bank account or service

on XXXX/XXXX/15 my paycheck was deposited in to my checking account i have wit bb & t bank .i made a series of purchases and payments that i had enough to cover from my paycheck which was XXXX .upon continuously checking the account my wife confirmed that the balance was going down as expected as normal .as the weekend approached we had XXXX bills that popped up unsuspectingly so we paid those not realizing we did n't have the funds to cover them fully until we checked the account later however all the prior purchases were covered as the available balance was decreasing as the purchases were being cleared. the last available balance was XXXX and the pending purchases did n't exceed that or equal it. the final to payments we made which ended up in overdraft would normally have placed us in the negative at least XXXX but instead we received an overdraft notice for XXXX for XXXX purchases that was supposed to be covered with XXXX that was left in the available balance.After at least XXXX phone call and tears from my wife 's eyes because we could n't get help as every person we talked to tried to cover the banks crooked practice in bank babble we finally talked to a young woman who acknowledged that because we overdraft on the final XXXX purchases the previous XXXX also went into overdraft which is basically saying the XXXX just disappeared into thin air and does n't matter and they charge us overdraft fees for things that were already paid for out of the available balance and the last XXXX purchases are still pending so that would be an extra XXXX in overdraft fees totaling to XXXX. if we made a mistake we have acknowledged it and were willing to pay the balance on the last XXXX purchases but the prior XXXX purchases were paid for as we had the money to pay for them and the digression of the available balance reflected and even thev last teller acknowledged that had we not made the final XXXX purchases we would still have been in the positive so what we have here is FRAUD basicaly they held all the smaller transactions that were made earlier during the weekend until we made the bigger purchase then they cleared the small purchases to be able to charge us overdraft fees for all XXXX of them .then a week later we received a penalty for a transaction we were told they could n't block although we told the it was fraudulent and the result of a dishonest broker who told us we were purchasing health care when in actuality we were purchasing life insurance .Ive reviewed many complaints about this bank by many people and have even seen a lawsuit over this same fraud. this bank is breaking the law and no one is doing anything about it .they even altered the transaction records to confuse us but we were constantly checking our transactions on the android app so we know we were doing the right thing
Product: Debt collection

WHAT IS THE {$890.00} DOLLARS. UNTIL YOU EXPLAIN IN DETAIL WHAT IS THE {$890.00} ON A SECURED CREDIT CARD. IT IS MADE UP FEES. IT IS NOT CHARGES MADE BY ME. YOU ARE A XXXX CREDIT UNION AND CALLED ME XXXX ON NUMEROUS OCCASION. I WILL CONTINUE TO COMPLAIN UNTIL YOU GIVE A DETAILED ACCOUNT OF ALL MONIES I DO NOT OWE. THIS WAS A SECURED CREDIT. WHY CANT YOU EXPLAIN THE ADDITION {$890.00}. THIS SHOULD BE EASY JUST SEND THE CFPB AN ITEMIZED LIST. YOU CANT. YOU AREPATHETIC LIARS. ALL YOU DO IS LIE.
Product: Debt collection

The enterprise member, " XXXX '' threated me ( XXXX XXXX ) consumer that my credit would be damaged in CFPB Complaint ID XXXX. I am intimidated and in fear of my life. Additionally, my credit is my reputation which the enterprise is seeking to ruin. I have been suffering from mental and emotional XXXX  and XXXX ever since XXXX shared such DEVESTATED news. 
I am currently seeking XXXX XXXX XXXX  to help me with my mental and emotional stress caused by LVNV Funding LLC, Resurgent Capital Services L.P.,, Resurgent Receivables LLC.

This shall be unlawful to cause such acts. May my Holy Father GOD arise against you evil doers according to the Holy Bible. LVNV Funding LLC violated my GOD giving rights.

" Contend, O LORD, with those who contend with me ; fight against those who fight against me!

Take hold of shield and buckler and rise for my help!

Draw the spear and javelin against my pursuers!

Say to my soul " I AM YOUR SALVATION! '' Let them be put to shame and dishonor who seek after my life!

Let them be turned back and disappointed who devise evil against me! 
XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to the credit bureaus to verify everything on my report and they state everything was accurate. and I also did a thorough research myself and found improper accuracies on my reports even after they verified. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violate my rights. 


15 U.S.C 1681 section 602A. 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 an account without written instructions.

Documents attached have proof that the accounts open dates, balances, limits, last reported dates, comments, last day active, and date of last payment are all inaccurate on all bureaus. they all say different things. also 3 inquiries arent mine XXXX XXXX XXXX XXXX
Product: Debt collection

Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This account is inaccurate because under 15 usc1666 of the Fair Credit Billing Act a creditor can not restrict or close an account when the obligor has indicated that there is a billing error. I sent this company a notice of a billing error and they continued to close my account. They are not supposed close the account because of a failure to pay. Therefore, this account is inaccurate and needs to be deleted. 
XXXX XXXX Account Number : XXXX Remove this inaccurate account from my credit report They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

I am alerting you to fraudulent personal information that has been wrongfully associated with my identity. Unauthorized accounts and transactions have been falsely linked to me without my knowledge or approval, causing me severe distress and concern. I am a victim of identity theft and have already reported this criminal incident. It is imperative that this matter is addressed immediately, as it has had a detrimental impact on my financial standing and personal reputation. 
I request your full cooperation in expeditiously removing all fraudulent information from my credit reports and conducting a comprehensive investigation into how this identity fraud occurred. I have documentation ready to provide as evidence, and I am prepared to pursue legal action if necessary to uphold my rights and receive appropriate compensation for this violation. 
Your urgent attention to resolving this serious issue is essential. Please act swiftly, as the continued presence of this fraudulent information poses an ongoing threat to my credit and personal identity security.
Product: Checking or savings account

Capital One has failed to process my direct deposit as well as that of my wife. We always get our checks deposited on Wednesdays, here it is Friday, and we have no money. We have bills due and have already had one payment declined. I had to transfer money from savings to cover it. There is no timeline on a resolution and it is a holiday weekend, so we are supposed to go 6 days without access to our money? 6 DAYS!! I will have another paycheck by the time this is resolved, will next week 's check be affected??? Will Capital One offer some kind of compensation to all their customers affected and inconvenienced by this? I know they won't!
Product: Money transfers

paypal has frozen my account, locked my funds without notice and when asked why they said my busniess was growing too much. The number of disputes with our customers was always the same ratio as the amount of items we were selling since we started. we have always provided the goods and services to our customers with updated tracking info on every single purchase. we are highly experienced with our business as we have been selling goods with paypal since XX/XX/XXXX however paypal calls us a high risk. In addition paypal allowed us to open an additional account for the convenience of our business the XXXX was in XX/XX/XXXX the XXXX in XX/XX/XXXX paypal always knew we had a XXXX account and they were linked together. XX/XX/XXXX paypal placed a reserve on our account because we received a higher number than usual of unauthorized chargebacks. Paypal accuses us of circumvent their reserves and violating their policies in section XXXX of their user agreement even though we opened the XXXX account over a year before any reserves were placed. cleary we did not open this XXXX account to circumvent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on TransUnion XXXX XXXX and XXXX, as a charged off account. Since the account is charged off, by law, the lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit card or prepaid card

My application for a credit card was denied by WellsFargo due to my national origin ( not a U.S citizen ) which is contrary to the federal equal credit opportunity act. My application was solely denied due to my national origin, not due to a low credit score or any other valid reason. 

For the records, my credit score is excellent ( XXXX with XXXX and XXXX ). I am a legal resident XXXX  in the U.S, and WellsFargo was the first bank I opened an account. To be denied by the same bank due to my XXXX orientation and national origin is totally unacceptable and contrary to the conduct of the bureau of consumer financial protection and the federal equal credit opportunity act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and other credit report companies has reported wrong loan amount totaling more than {$40000.00} on my credit which is wrong. I have already paid the balance in total as per my previous submitted complaint XXXX & XXXX
Product: Mortgage

I have a mortgage with Freedom Mortgage corporation. 
Loan No : XXXX Purchase Date : XX/XX/XXXX Price of the Property : XXXX Initial Loan : XXXX In XX/XX/XXXX I applied for a recast and during that conversation with the customer service rep, I asked them what is the regulation to drop the PMI payment, I was told that the balance has to get to below 80 % LTV. 

I made a recast payment of {$50000.00} and the LTV went down to 78.6 % and in the next statement I realized that PMI is not dropped and I called them again, and now I was told I have 2 options.

1. submit a written request 2. pay the remaining balance to bring the LTV to below 78 %.

I submitted a written request and they sent a letter back asking me to get the appraisal of the property to make sure the value did not go down. as I was not ready to waste money on getting another appraisal I paid another {$2000.00} on XX/XX/XXXX towards Principal to bring LTV to  below 78 %. 

My PMI was still not dropped and when I called them again they said that the balance has nothing to do with PMI and I have to pay the PMI as per amortization schedule then I told them that it is not the Document that I signed and they said they can not do anything and I have to keep paying the PMI. 

I request your help to get me the refund of the additional PMI they charged, at this point I feel really cheated and robbed of my hard earned money.
Product: Checking or savings account

This bank charged me a maintenance fee and refuses to waive it as a courtesy not fair Im a loyal customer also I called customer service because I saw an add that they will issue contactless debit card with tap technology and asked when it would be available she said she dont know how can you not know
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal dispute and demand for immediate cessation of reporting regarding the alleged debt you have placed on my credit report. Your agency has willfully and negligently reported a negative account that is damaging my credit, preventing me from obtaining necessary financial resources to support my family, and hindering my ability to secure housing and transportation. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you are required to provide proper validation of any debt you claim I owe. However, you have failed to notify me of this debt, failed to provide the required validation, and failed to prove how this debt has been verified. 
Furthermore, your continued reporting of this unverifiable debt is a clear violation of the FCRA, as you are reporting information without conducting reasonable investigations, and in doing so, you are engaging in illegal and deceptive practices that directly harm me. Under FCRA 623 ( a ) ( 3 ) and 623 ( b ), you must cease reporting this account if you can not verify its accuracy.

Additionally, per 15 U.S.C. 1692e ( 8 ), knowingly communicating or reporting false information, or failing to communicate that a debt is disputed, constitutes a clear violation of the law and may result in legal action against your agency. 
This letter also serves as formal notice that I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General regarding your agencys violations. If this matter is not immediately addressed, I will explore all available legal remedies, including a lawsuit for damages under FDCPA 15 U.S.C. 1692k and FCRA 15 U.S.C. 1681n for your willful noncompliance.

Demand for Action : 1. Cease all reporting of this account to credit bureaus immediately.

2. Provide proper validation of the alleged debt, including a detailed accounting and proof of assignment.

3. Remove the negative information from all credit bureaus within 15 days of receipt of this letter.

4. Provide a written statement confirming compliance with these demands.

If you fail to comply, I will take all necessary legal action to hold your agency accountable for its violations. I strongly urge you to take this matter seriously and act immediately. 
You are hereby prohibited from any further contact with me regarding this matter except to confirm compliance with the above demands. 
Failure to act will result in legal consequences
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the alleged debt associated with I C System as the alleged original creditor, listed on my credit report according to XXXX XXXX. 

I deny liability for this debt, as the information presented is incomplete, inaccurate, and missing essential data. I have not entered into any contractual agreement with I C System, and they have failed to provide me with the original contract as per my formal request. This lack of response and documentation constitutes a direct violation of my rights according to 15 U.S.C. 1681e ( b ), which ensures the accuracy of information on credit reports, and 15 U.S.C. 1692e, which prohibits deceptive debt collection practices. Furthermore, under UCC 9-210, they are obligated to provide the original contract, which has not been fulfilled.