23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified an unfamiliar account ( DNF Associates XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, DNF Associates has neglected to respond to my letter that was received on XX/XX/2023. Per the FCRA a creditor has 30 days to respond or the account must be removed. This is a violation of my rights. I have attached the letter sent and the proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig.Cred : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Debt collection

I have been working with representative XXXX at Weltman , Weinberg & Reis. The company purchased a debt from a student loan through XXXX XXXX XXXX XXXX XXXX XXXX AS XXXX MANAGER FOR XXXX XXXX XXXX XXXX ). The original loan amount was for {$4000.00} and per the receipts I requested from Weltman, Weinberg & Reis, I have paid {$5500.00}. When I asked XXXX what they are wanting an additional {$3900.00} for, she was extremely rude to me and would not be clear about why they needed another {$3900.00}. She then stated to me, " did you ever consider the interest? '' And I said, " Oh, so you all are suing me for unpaid interest? '' and I was ready to make a payment arrangement, but then XXXX started laughing at me and accusing me of putting words in her mouth when I was simply stating to her how I am perceiving the situation in the form of a question. This situation is already stressful enough, I do not need a representative laughing at me during a high stress situation. Since that day, I have called her supervisor several times and left several messages to try to resolve the debt, no one will call me back. It feels XXXX at this point in their collection process. They should not be able to treat me like this when I am trying to do the right thing.
Product: Debt collection

Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent an ACH transfer to my wife 's account at XXXX for {$17000.00}. Bank Of America contacted me ( see email attached dated XX/XX/ ). The money was sent with no problem and the funds were put " on hold '' at XXXX XXXX XXXX XXXX refused to unfreeze the account, and this began the ongoing battle. I was able to get in contact with their executive response team and retail banking group which was not cooperative at all. They gave us the run-around for a month or so until finally they decided to " send the funds back to Bank of America '' that was it. No information as where they were going or who was receiving them. After getting in contact with the executive client response team now at Bank of America I discovered that a banker by the name of XXXX XXXX had been working with XXXX XXXX from XXXX XXXX to make sure the funds were transferred. ( I had to pull teeth to get this information ). The funds were not sent back to MY account but were sent back to a Bank of America HOLDING ACCOUNT. Whatever that means. Well, it has now been almost 3 weeks since that transfer back to Bank of America happened and there has been little to no information for the customer ( me ). I am at a loss of words and not sure what even is going on ... my wife and I feel like we are being and have been treated very poorly the past 3 months just trying to get our money back. I need bank of America to give me answers as to where my money is and when it will be returned to me. I have bills to pay, and it has put me in a very tough position. I have been a customer with bank of America for a while now so they should be able to confirm where and how these funds came from ( my employer... ) I need help. I have contact information for the executive client services member that I have been talking to and XXXX XXXX which seems to be the one that knows all the information from the start but refuses to contact me. I even tried to contact her at a BOA branch, and we tried to call, email etc. I have received no answer to my emails or nothing. I have sent roughly 10 emails in the past 15 days to XXXX XXXX at the XXXX fraud department. 

Contact : XXXX from BOA : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX  XXXX years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with XXXX XXXX under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.
Product: Checking or savings account

Hello to whom it concern, XX/XX/2022 I was working with a XXXX XXXX and two of my coworkers endorsed me a check because they owed me funds. Chase cleared the checks and froze the account. I went to the bank and they said they needed to verify the checks by phone. 
Its been a XXXX now and my account is still frozen. I have called several times now to get my account open and have my funds released. They still can not verify the number. So the 3rd party who endorsed the check went to the bank to show his two forms of identification which the most typical way. When he went to bank they said, no, that they have to call him. He gave his phone number and they said no, its not verified number, hes right there at bank with his identification and everything. He drove an hour to the bank to clear this situation and they said it would not work. Hes given all his personal numbers to them and they say no, not verified. Hes talked to his phone providers and they say his number is verified. I have called many many times to chase. Finally last week I called and FINALLY his number was verified with his name. She called him and verified the information. She said everything went through. They called and spoke to him he confirmed the information amount and maker of check, all she requested. She asked me to call back in 5 days to get an update. I called back on XX/XX/XXXX and she confirmed all went through again. All I had to wait for the check to be sent. I called today XX/XX/XXXX to check the update and they said that my account is still frozen and my funds havent been released that they had not even spoken to the 3rd party. How is this possible? If just a few days ago I got confirmation twice that this had all gone through. And now they are saying that its not verified but it was verified a few days ago? I am not sure what to do at this point. I have given all information they needed and 3rd party as well. I sent an email to some executives advising them I can personally go with the 3rd party to the bank again if needed. How can they continue to hold my funds?. They were verified already. 
Thank you
Product: Payday loan, title loan, personal loan, or advance loan

This is a follow up to a prior complaintXXXX. Ally sent me a letter resolving to issue me a refund for un-used services. The letter further instructed me to call them to facilitate issuance of payment, but every time I call, it's like running into a brick wall. No one knows what to do. I've been transferred so many times my head swings but I've not been able to make a bonafide plan for getting the refund they promised.CFPB closed the case because of the favorable response but it seems as though we've both been mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately.

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.

3. I have the right to an accurate credit file and discrepancies like this are unacceptable.

Please remove this account from my credit file immediately.

4. monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX XXXX XXXX XXXXXXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( part of XXXX XXXX XXXX  ) assessed my tenant account charges XXXX : {$570.00}. A credit of {$300.00} was wiped out and left a total due XXXX  : {$270.00}. 

They attempted to charge {$570.00} in cleaning-related fees that I never agreed to pay in advance of the charges being assessed for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX to XX/XX/XXXX ) The charges consist of rental fees in the last month due XXXX : {$250.00} for rent responsibility from XX/XX/XXXX to XX/XX/XXXX. I had already paid a final month 's rental payment XXXX : {$1500.00}, which includes XX/XX/XXXX days of rent XXXX : {$1300.00} ( XX/XX/XXXX days X XXXX rental charges ). {$160.00} of that was put towards sewer, water, and trash for the final month of occupancy. 

This would result in a corrected balance due of {$15.00} ( had they calculated the charges correctly ). 

Looking at the last lease agreement signed with XXXX XXXX, prior to myself becoming a month-to-month tenant, I am in no way responsible for paying for " normal wear-and-tear '' items upon move-out. I am only responsible for damage and repair costs, for which there are none. 

The corrected amount should result in a check due back to me XXXX : {$300.00} from XXXX XXXX, with the apartment being responsible for the renovation charges they incurred on their own apartment upon my move-out. 

XXXX XXXX  did not agree to this when I made them aware of the error and instead of listening, they sold the invalid debt to a collection agency ( XXXX XXXX XXXX XXXX ), who again did not listen to my complaint in regards to the error. 

The debt collection agency filed a derogatory collection remark on my credit report to all three bureaus instead of listening. And now my credit history is impacted, causing me to be unable to obtain a mortgage out-of-state, refinance my car, or rent a different apartment within the state. 

I filed a dispute within all three credit reporting bureaus along with a complaint against the debt collection agency ( Complaint ID : XXXX ) and my remarks were ignored by the credit reporting bureaus, the Consumer Financial Protection Bureau and also the debt collection agency. 

Please review the attached documents which show everything in writing : - Bank Statement showing final rent payment - Final statement of charges - The entire final lease agreement before becoming a month-to-month tenant - Snippet of section XXXX of the lease agreement showing charges upon move-out that are not valid
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

Three months ago, our checking account with U.S. Bank was closed to due to fraudulent activity. They created a new account for us, but within 2 weeks, the exact same thing too place. Therefore, we decided to just transer our money to another bank. U.S. Bank has told us that in order to do so, we need to be issued a check for the new account, but we've been waiting 2 months and no check has been issued. We call the Fraud Dept. weekly and the same thing is being said - " We have no timeline of when to expect the check to be issued ''. We are two XXXX XXXX  people and all of our money exists in this account. We are forced to constantly use our credit cards, but those bills need to be paid and yet, we don't have access to our own money!! This situation is more than just frustrating, but it's causing us to receive notices from collection agencies because we don't have access to funds to pay our bills. Please please help us. We have a mortgage to pay and we are in a serious problem. We just want to be issued a check to move our funds out of U.S. Bank, Thank you.
Product: Debt collection

I received a call from a " process server '' and they told me to call another number to try to resolve a case they were trying to serve me for without saying what I was being served for. The company that I called acted like they weren't sure what to do with my debt and since the process server said their phone number, then they guess they could continue the mediation process. I asked for information in regards to what this was and they claimed I should have received paperwork back in XXXX, which I had not. I can't find their business online anywhere and the phone number I plug in doesn't return any associated business. They did send me an email with only payment options but no address or other information for the debt or their right to collect the debt. They informed me the only way I will get paper documentation would be to get served. Also if I did a debt validation letter that wouldn't stop me from being sued and it would take too long to get the information out. They also said I would owe over {$5000.00} if it went to court but if I did out of court options it would only be around {$1300.00}.
Product: Money transfer, virtual currency, or money service

I disputed a transaction on my spending report due to the seller, not providing a refund. I hoped Robinhood could assist me in getting the money I needed back from them. Soon after I disputed the transaction, my account was restricted when I contacted them to unrestricted my account, they claimed my information does not match Whats on file. So now I am sure they are restricting my account because of that. They emailed me saying the dispute over the refund is resolved and there is no issues regarding that now yet my account is still restricted and I can not do anything because they claim Im not who I say I am. I have been contacting them endlessly for over 10 days and they have sent me generic auto generated emails requesting information which I provide, and then they dont respond. I have veteran benefits from the government going into this account that I can not access because they will not let me. These benefits are necessary for my education and I will not be able to graduate which is scheduled for XX/XX/XXXX because of this. this funding is needed. Robinhood never provided a reason for the account restriction has not responded to me with any information or responded to any of the things I have provided them, which is everything theyve asked. I have done facial scans uploaded my IDs and XXXX  from other bank accounts, and they still will not get back to me even though this is everything they have requested. Every single time I contact them I am told that my information does not match what they have on file yet my information is 100 % correct and Ive gone back and looked at the text documents and other forms from Robinhood and the information providing matches exactly so there shouldnt be any issues and I need these VA benefits. The original issue is over a disputed transaction which has since been resolved. If my account is restricted because of my identity issues, they need to communicate that to me and allow me other options If the three theyve given me somehow arent enough. I need this restriction lifted and they will not provide me an avenue to do so. Please note the disputed transaction this original arose from resolved on the 21st. Yet my account is inaccessible and they refuse to offer me any support despite me identifying myself in every way they have requested. They do not reply and tell me if what Im supplying is accepted or if they need more/something else. I am stuck in the same cycle and they have no brick and mortar location to resolve this at.
Product: Checking or savings account

I have opted out of overdraft protection to avoid account being charged the {$35.00} fee. On XX/XX/XXXX an item " XXXX '' was charged {$14.00} over drew the account and on the same day a {$35.00} fee was charged. The next day, XX/XX/XXXX I deposited {$15.00} to cover the charge, however because they had charged the {$35.00} a second charge of {$9.00} " XXXX XXXX '' went through and bounced due to the first {$35.00} fee being charged. So as a result I have two {$35.00} charges occuring due to a chain reaction, one causing the other. 
I also was not provided sufficient time to correct the deficiency, nor did the " Opt Out '' work. These charges are supposed to not go through, they were set up with my Debit Card information, no other information was used to set these charges up so when charges come across and there is insufficient funds they are supposed to be refused. 
Bank of America credited me the second overdraft fee of {$35.00} but refused to credit the first.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute a debt collection account that has been reported on my credit report, which I believe to be the result of identity theft. I have been contacted by a debt collection agency regarding a debt purportedly owed to a bank named XXXX, a financial institution with which I have never had any relationship. 

Despite my efforts to resolve this matter directly with the debt collector, I have been unable to get any satisfactory clarification or resolution. They claim that I owe money to XXXX, but I do not recognize this entity and have never used their services. Additionally, the debt collector has my personal information, and the account appears on my credit report, further suggesting that this may be a case of identity theft. 

I am concerned that my personal and financial information may have been compromised, and I am requesting your assistance in investigating this matter. I have taken the following steps to address the situation on my own : I have reached out to the debt collector in an attempt to dispute the debt and clarify the details of the account, but I have not received satisfactory responses. 
I have reviewed my credit report and confirmed that the debt in question is listed under my name. 
I have filed a fraud alert with the major credit bureaus and am actively monitoring my credit reports for any additional unauthorized activity. 
Given these circumstances, I respectfully request that the CFPB assist in facilitating an investigation into the debt collector 's claims, and that the account be removed from my credit report if it is found to be the result of identity theft. 

Please let me know if you require any additional information or documentation from me to support my case. 

Thank you for your attention to this matter.