23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I did work for for a XXXX XXXX he wrote clean checks to my account everything clear boa closed my account because they assumed it was fraudulent but that wasnt the case.,, its been 3 months and they still not trying to release my money because they Stating XXXX XXXX bank need to make a recall On the checks. And XXXX XXXX XXXX XXXX stating they cant make the call on the checks because back of America holding the funds..
Product: Debt collection

I called about a debt showing on my credit report for a hospital bill from rmp services but I have had insurance. I did not receive any bills from the original creditor or from the collections company. Her tone was condescending. She lied about insurance being able to pay for said debt I owed and was at first refusing to give me all information related to said account when she did I called my insurance to relay information and upping further investigation the bill way paid by insurance for services on date rendered But not only that she was rude condescending telling me life isnt fair get use to it that I cant cry about everything that isnt fair and other rude remarks that I will choose not to disclose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX  XX/XX/2023 Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g , I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

No live customer service, I only had the opportunity to chat with a bot service. I needed to speak to live person to settle disputes. 
This complaint is for Cash App website
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 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

Dispute Letter for Denied Dispute Opportunity on Debt in Collections **XXXX  XXXX Charge amount : {$2000.00} Date charged : XX/XX/year> XXXX*DNF Associates** Dear DNF Associates, This letter is to formally dispute the debt you are attempting to collect from me regarding account number [ Account Number ( if provided ) ]. I have not been given a proper opportunity to dispute the validity of these charges. 

The Fair Debt Collection Practices Act ( FDCPA ) grants me the right to dispute a debt within 30 days of receiving notice from a collection agency. Unfortunately, I was not provided with the necessary information or a clear process to contest the charges. Also I have researched this company within the consumer access portal and have found out that this company does not have a license in my state ( Texas ), to operate as a debt collector nor a collections agency. 

Please cease all collection activity until I have had a chance to review the verification and dispute the charges if necessary. This includes phone calls, letters, and attempts to contact me at my workplace. 

I understand that if I do not respond within 30 days of receiving a proper dispute process, you may assume the debt is valid. However, I reserve the right to dispute this debt further. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Credit card

I requested information this information last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation :. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Debt collection

I requested written verification of an XXXX  debt that I believe was added after I canceled the account via phone and mail never received it. Then attempted to dispute it without ever receiving any mail or email documentation. The debt collector is afni.
Product: Debt collection

I mailed off a debt validation on XX/XX/2021. The company has not responded with any documentation to prove this debt is valid. Im the validation I specified that I needed the information sent back to me within 30 days and it has not been today it is XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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, has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Money was transferred to account that was closed and I couldnt get my money back.
Product: Debt collection

to whom this XXXX concern I am writing to report all of the incorrect information listed on my credit report. I am victim of identity theft. I am interested in all original creditors reviewing the file with dates, accounts, amounts listed and remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be XXXX XXXX accurate on all XXXX credit reports. that is not the case. please review the details in the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXXXXXX XXXX XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Many of my accounts ( XXXX coinbase, checking account, etc ) were hacked and Fraudsters took or attempted to take funds via criminal channels. I contacted and spoke to all financial companies and they closed my account. Coinbase is not helpful and will not close my account! I was given a ticket number and they said someone would get back to me. I NEED THIS ACCOUNT URGENTLY CLOSED! 

Please Help!
Product: Mortgage

I completed a loan modification through GreenTree Servicing LLC on XXXX/XXXX/XXXX, they increased the loan amount by $ XXXX to include all the fees, interest etc. After my XXXX payment on XXXX/XXXX/XXXX, they increased my payment by charging me additional fees of {$110.00} each month. Additionally, they added fees to the payoff and/or escrow account when we refinanced in XXXX of XXXX. I tried to talk to GreenTree about this, they indicated it was attorneys fees. They stopped charging me for a couple of months and then started again. I would like to get reimbursed for these charges. I do n't feel them to be appropriate since the loan modification included all attorneys fees, interest and servicing charges added to the principal balance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Equifax, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, with account number XXXX Collection accounts opened at XXXX XXXX on XX/XX/XXXX, with account numbers XXXX ( balance {$680.00} ) and XXXX ( balance {$510.00} ) These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer XXXX credit report from XXXX that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Equifax block this fraudulent information within 4 business days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : # ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXXXXXX XXXX  XXXX ( XXXX ) on XX/XX/XXXX, an account opened at XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, an account opened at XXXXXXXX XXXX ( XXXX ) on XX/XX/XXXX, an account opened at XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, an account opened at XXXX XXXX XXXXXXXX XXXX XXXX ) on XX/XX/XXXX, a bankruptcy account filed at XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, and accounts opened at Dept of EdXXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These accounts have resulted in several fraudulent collections, charge-offs, and student loans appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections/charge-offs, or hard/ soft inquiries as reported. The aforementioned accounts, collections/charge-offs, and inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections/charge-offs, and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and inquiries are the result of identity theft and fraud. I've attached a copy of my passport, Social Security Card, Affidavit of Identity, FTC report, and an utility bill.
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 the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Debt collection

I paid this bill off on XX/XX/XXXX. I paid a settlement in full of {$170.00} to XXXX XXXX XXXX. Reference Number XXXX. I received a letter from XXXX. XXXX this week. I called them and told them that the bill was paid in full. They gave me me the run around even after I gave them the information of the original creditor which was XXXX and they still refused to cooperate even when I gave them the right information. I.C. Systems told me that if I didn't pay the bill by XX/XX/XXXX that I would be placed in collections and they will also report the debt to all XXXX credit bureaus to be placed on my credit reports.
Product: Debt collection

I was contacted by Moxley and Associates in Alabama about a credit card debt that I owed. I worked out a payment arrangement to pay the debt in full over 24 months. The first payment was in XX/XX/XXXX with the payoff to be XX/XX/XXXX. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX. This put me ahead of the original payout date. I missed my XX/XX/XXXX payment but I was 2 months ahead of schedule so I did not think twice about it. XX/XX/XXXX I went to the website like always and submitted my payoff payment for {$440.00}. On XX/XX/XXXX I had a hold placed on my savings for the amount of {$470.00} and a $ XXXX.fee charged for garnishment. What???? I called them and the guy told me that because I didn't pay my XX/XX/XXXX payment they garnished my account. He told me that he saw where I had made the payment online for {$440.00}. but that I still owed {$31.00} that was the remaining balance even though in the beginning it had been equal installments. He demanded I pay the amount using a debit card online if I wanted the garnishment released. I did pay the {$31.00} but I still have a hold in the amount {$470.00} and a loss of {$100.00}. for a garnishment fee.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX access was removed several weeks ago. I bought Meta 's service to try and contact support who informed me there is a specalized team that I am unable to reach out to regarding my XXXX XXXX access.
Product: Credit card

EMAIL and then my response : Bank of America XXXXXXXXXXXX ; Re : Your Card Has Been LimitedYour bank appears to be the most inept I have ever encountered! I 'm not downloading anything you send. I have been at this address and had the same phone number for well over XXXX years. XXXX XXXX XXXX got rid of you for handling all of their clients, including me, so poorly. And when my husband died over XXXX years ago, several different bank, including yours, bought the XXXX mortgage he 'd had, and your bank caused me way too many aggravating problems. Now you are attacking my credit card limits ( again!!! ), after already removing my {$70000.00} credit limit that I 'd carefully earned on my XXXX XXXX card [ you cut me back to {$25000.00} ] to help you scam the Feds by creative number management. You built the huge crash on my back, and turned me from middle class to the working poor, and on XXXX. I hope the Feds close you down, and split up your huge feeding monster that helped to destroy my financial security and my health. Your top people need to be incited and ideally lose their ill-gained assets, and jailed in an awful prison, not a federal vacation complex. You can take pride in receiving one XXXX rants I 've ever delivered to the parties who 've wronged me in almost XXXX years of my adult life. 

XXXXOn XXXX XXXX, 2015, at XXXX XXXX, " Bank of America '' XXXXXXXXXXXX ; wrote : Some information on your account appears to be missing or incorrect. 
We have attempted to contact you by phone to speak with you personally but have been unsuccessful. 
As a precaution we have reduced your daily purchase limit. 

At this time we require that you verify your account information. 

To do so, please download and open the document attached to this e-mail. 
Please follow the instructions from the document. 

Please verify your information promptly so that you can continue to enjoyall the benefits of your Bank of America account. 

This measure is mandatory, failure to do so will continue to limit your access to Bank of America. XXXX ; XXXXThis bank needs to be completely dismantled, and moneys given to those of us they have so damaged. The big shots at the top need to be equally demolished financially and prosecuted to the extremes allowed by law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$2500.00}
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. Listed account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain entries on my credit report, which I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In light of the recent legal action against your agencies, I respectfully request that the following item ( s ) be permanently removed from my credit report as they fail to comply with FCRA guidelines and have been identified as a part of your organizations violations in recent lawsuits.

Specifically, the disputed information violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) Duty of agencies to investigate disputes According to this provision, upon notification of a dispute, you are required to investigate the dispute within 30 days, and if an item is found to be inaccurate, it must be corrected or deleted. As outlined in the recent lawsuit, your failure to comply with these requirements has resulted in the persistence of inaccurate information on consumer reports.

15 U.S.C. 1681e ( b ) Accuracy of information This provision mandates that consumer reporting agencies must ensure that the information they report is accurate. The disputed information on my credit report does not meet this standard and must be permanently removed, as your failure to correct these errors has been highlighted in the legal action filed against your organization.

The following account ( s ) are in dispute : XXXX XXXX XXXX Opened XX/XX/year> amount of {$2500.00} XXXX XXXX Opened XXXX XXXX  amount of {$760.00} Given that the information reported is inaccurate and non-compliant with FCRA regulations, and in light of the ongoing litigation concerning these practices, I respectfully request that these items be permanently removed from my credit file. 

Furthermore, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide written confirmation of your decision, including the results of your investigation. If you determine that the disputed information is not inaccurate, I expect a detailed explanation and evidence supporting your conclusion, as required under the FCRA.

Please be advised that under 15 U.S.C. 1681s-2 ( b ), you are also obligated to notify the entity that reported the inaccurate information once a dispute has been resolved. I expect that the removal of these items will be communicated directly to all relevant parties.

In light of the violations outlined in the lawsuit against XXXX and XXXX, I trust that this matter will be handled promptly, and I request the permanent removal of the items from my credit report in accordance with the law. 

Please confirm receipt of this letter and the actions you will take regarding this dispute within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to verify the Charge Off / Closed account and the total amount balance due is owed by me to XXXX XXXX for a permissible purpose application for credit pursuant to The Fair Credit Reporting Act XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ], Section XXXX ( a ) ( XXXX ) ( A ), and FCRA XXXX ( XXXX U.S.C. XXXX ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I did not sign any such credit contract with XXXX XXXX  containing my full social security number and signature where I granted permissible purpose for a credit application. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.