23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TD AUTO FINANCE Date XX/XX/2020 XXXX : VIN # [ XXXX ] To Whom It May Concern, This letter is a formal statement notifying the above party that the accounts under VIN # XXXX ] are disputed. Repossessed in the state of GA and sold by TD AUTO FINANCE Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this letter, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. A copy of this letter will be sent to the names listed. Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

This bank called citibank closed my account in XXXX  and they have not given me my funds from the account that closed the account XXXX that was my account number this bank did not give me my funds and when I call they only transfer me but they do not They say nothing about my funds when I call the bank and I go to do so, they simply direct the call but they don't tell me absolutely anything about where my funds are, they always tell me that they are going to send me a letter within five to six business days but The letter never reaches me, my name is XXXX XXXX XXXX XXXX.
Product: Mortgage

Sent financial and request for mortgage modification to my mortgage servicer Volunteer Mortgage   Servicing. They sent me a letter stating Loss Mitigation approval with 3 three trial payments and a Forbearance Agreement. The letter didn't state the interest rate or terms of the modification. I was told by Volunteer customer Service the modification I received was a FHA XXXX XXXX and I didn't accept the modification. I never received a letter stating I received a XXXX XXXX. Volunteer is hard to work with they leave you on hold for long periods of time and always state you need to call back. 


See Attachments
Product: Credit card

XX/XX/year> : Without prior notice, American Express XXXX imposed restrictions on our business account, severely disrupting our financial operations. causing me to fail to meet my legal obligations to my entertainment lawyer ( {$10000.00} retainer fee ) which caused me to subsequently fail to land $ XXXX $ XXXX distribution and licensing deals to launch my indiependent film TV series. 
February 16-20, 2025 : I contacted American Express multiple times seeking clarification and resolution. Each inquiry was met with vague assurances, but no concrete information or solutions were provided. 
XX/XX/year> : XXXX XXXX, representing American Express XXXX, committed to providing a detailed response by this date. No such response was received. 
XXXX XXXX XXXX : Further attempts to communicate with American Express were ignored or met with non-committal replies, exacerbating the financial strain on our operations. 
XX/XX/year> : XXXX XXXX extended the promised response date to XX/XX/year>, without providing any justification for the delay. 
XX/XX/year> : I sent a follow-up email emphasizing the urgency of the matter and the detrimental impact on our business, reiterating the need for a prompt resolution. 
XX/XX/year> : The extended deadline passed without any communication or resolution from American Express.
Product: Checking or savings account

On XX/XX/2018, at XXXX XXXX, I received an email supposedly from Bank of America. It reads as follows : Exclusively for : ( they put my email address here ) Your nline anking has been dsabled for securty purposes, We've detected an unsual activites from your acccunt, We want you to confrm your dentty to secure your accunt. 

Want to confirm this email, s from ank of Amerca? 
Sign in to nline anking and go to lerts History. The lerts History lists the Alerts sent to you in the past 60 days. 

This Alert relates to your Online anking profle, rather than a particular accunt. The accunt listed here is for verificatin purpses only. 

Ths message was maled automatcally to " XXXX '' during routne securty checks. 

Thank you. 
ank of merica Supprt Team Please do not respond to this message.

HOWEVER, I DO NOT EVEN HAVE AN ACCOUNT WITH BANK OF AMERICA! 

They embedded a link under this line in the email : Sign in to nline anking I did not click on it.
Product: Credit reporting or other personal consumer reports

My credit report shows a collection been deleted from my report on XXXX but have not updated on the ot

her 2 bureaus. I have sent letters to all 3 bureaus in the past. 15 USC 1681 e ( b ) - ( b ) ACC
URACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Money transfer, virtual currency, or money service

Zelle, I have been using Zelle for years. I have sent money on accident to wrong accounts and that money was lost. Also I get Zelled money and a few times it was not available for a few days and its suppose to be instant. They do not follow what they say they provide
Product: Credit card or prepaid card

I attempted to purchase tickets to XXXX XXXX XXXX and the vendor attempted to charge my card multiple times. Citibank flagged this as a fraud and asked if I would like to let the transactions through. When I declined to approve all the transactions, they closed my card and issued me a new one. Two days later, 2 charges appeared on my card posted XX/XX/XXXX for amounts of XXXX and XXXX. I filed a dispute and the merchant agreed to return my money. The credit has still not appeared on my account and they said they cancelled my dispute. Then in XX/XX/XXXX more charges appeared posted on XX/XX/XXXX of varrying amount of either XXXX or XXXX. I have called 3 times over the past 30 days and there has been no resolution. A supervisor noted that because the disputes appeared to be duplicates as the same amount was charged, citi is not looking into them and cancelling the disputes the minute they are filed. I sent multiple emails regarding the siputes and have not heard back.
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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

I am writing to file a complaint against Foursight Capital LLC for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : Foursight Capital has not provided validation information, but yet have placed an account with on my credit report.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account.

12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of. 
This account was already removed from XXXX in XXXX of XXXX It was bought by Foursight Capital and place on my credit report without my knowledge. If Foursight Capital has proof they mailed any documentation to me, please have them supply tracking numbers or receipts of registered mail so we can track what happened if anything was sent. Simply providing documentation is not proof it was provided to me, by law.
Product: Credit reporting or other personal consumer reports

is this account needs to be removed under section 605B this account not only has been paid off, but it has also been closed and still shows on all three of my credit. I am asking for this to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with Trans Union XXXX XXXX. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.
Product: Credit reporting or other personal consumer reports

on my credit report there is a credit card by capital one opened on XXXX XXXX credit limit of XXXX and I did not apply or authorized that credit card. 
I sent them letter from my attorney stating I was in XXXX XXXXXXXX and they still are holding me responsible I called them but they don't want to release information to me. 
capital one is also using an address that I never lived at which is XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX I have also sent documentation to XXXX to removed the incorrect information to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXX - XXXX : {$240.00} - Account # : XXXX XXXX XXXX - Balance : {$190.00} - Account # : XXXX XXXX XXXX - Balance : {$960.00} - Account # : XXXX XXXX XXXXXXXX XXXX  - XXXX : {$11000.00} - Account # : XXXX XXXX XXXX AUTO CRE - Balance : {$24000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : FIRST PREMIER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which many violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting Nelnet to refund the full balance of my account. 

Under the Family Educational and Privacy act my financial information should not be shared with anyone.

I am now opting out of any consent you may think you have.
Product: Credit reporting 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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled on record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times over the last 36+ months I have requested my annual credit report and have been and STILL Im getting denied. I have sent by certified mail and fax identifying documents and have talked by telephone to EQUIFAX agents from nations outside of the contiguous USA and still can not get my consumer credit report, scores, NOTHING because EQUIFAX says the information I am providing does not match whats in EQUIFAXs records! The result of this egregious failure by EQUIFAX has caused my creditworthiness plummet in to the 500s and has ruined my ability to participate competitively or at all. I am also unable to dispute the several inaccurate, unvalidated accounts and remove the several unauthorized inquiries. My MOST RECENT request was made on XXXX XX/XX/2021 via fax to the fax number XXXX.
Product: Money transfer, virtual currency, or money service

I want to be reimbursed for any transactions I reported via Zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.
Product: Debt collection

I been receiving constant telephone calls of harassment, abusive and profane language and threats of death and been sent to jail and prison from American Accounts AD for 4 debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The American Accounts AD has account balances of {$1100.00}, {$760.00}, {$750.00} and {$660.00}. The debt collection accounts are fraudulent accounts and is the result of identity theft. American Accounts AD is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting or other personal consumer reports

I need to process disputes on my credit report for all inaccurate an incorrect accounts reporting to my credit. none of these accounts belong to me. this does not follow the FCRA rules. please review an remove the listed items that are reporting to my credit report asap. I am a victim of identity theft.
Product: Debt collection

I moved out from an apartment near the end of last year. The then-property manager ( I do not know if she still works there ) had my phone number and email, and we were friendly at the time ; I trusted that if there were any issue the company would reach out to me. 

I found out several months later that I had a collection on my credit report when I applied for a loan to finance a personal project and was rejected due to it. This took me by surprise! I went and ordered my credit reports and discovered that Rent Recovery Solutions had reported a past-due balance to XXXX. At first I was confused, as I had given the property manager my final rent payment before I left. I mailed requesting more information and received the documents explaining the alleged " cleaning fee '' and " trash service fee ''. The problems with this are several : XXXX ) No attempt was made to contact me regarding this alleged debt for several months after it was reported to XXXX. If the company was sincere in believing I owed this amount, I would expect that they would behave as collection agencies generally do and attempt to contact me. I construe this an awareness that this debt is not really mine and that Rent Recover is willingly engaging an extortionate exercise. 

2 ) The lease document provides no fee schedule, no obligation to pay fees of this type, or any other language that would create a financial obligation that could result in a debt of this type.

3 ) Even ignoring the above, there is no justification provided for the listed amounts - rather than an invoice for the services provided from a reputable vendor, the numbers have simply been conjured out of thin air. The mere assertion of a debt does not create one.

4 ) Even ignoring the above, the amount would be incorrect, as it has clearly not factored in the {$300.00} security deposit which I paid to the property when I began my lease. 

Despite the obviously deficient documentation, complete lack of meaningful collection activity before I learned about this, and other issues, Rent Recovery did not budge when I sent them my documentation request and advised them that the debt was not mine. In fact, despite knowing the debt in dispute, they reported it to XXXX while I was in the process of disputing it with XXXX! 

In summary, this debt is demonstrably invalid and not mine, and yet Rent Recovery Solutions persists in attempting collection on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Experian report and discovered that there's two accounts still on my report that don't relate to me and Experian has refused to assist in the removal of these accounts. ( XXXX & XXXX  ) I was a victim of identity theft. I sent in my FTC ID affidavit signed and notarized to them. I also sent to them all my identifications to identify myself including the police report case number for their own investigation which police where actually on the scene of the incident!! They have ignored the law of section 605B of the FCRA. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the 4 days the law permits.

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These two accounts need to be removed as this has caused damages to myself and family.

XXXX XXXX XXXX   SSN # XXXX DOB:XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX