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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Tn XXXX Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear Avant Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Bank of America decided to close all of my accounts suddenly. No reason was given. I appealed on XX/XX/XXXX but that was denied. 

In total - 10 accounts were closed. 
1 personal checking 3 business checking XXXX children savings accounts XXXX child checking account No reason was given. I was locked out of my accounts and unable to withdraw any funds and I am still waiting for my funds to be returned to me. 

No communication or notice was given by the bank. I called the bank when I found that several transactions were all of the sudden being declined despite funds in my bank account. 

The accounts were all current, not overdrawn and I had been a customer with Bank of America for over 10 years and never had any issues like this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute the account several times though the credit bureaus and never got anywhere. The account has been paid and it still shows open. It is affecting my credit score tremendously.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  XXXX XXXX sent correspondence to the XXXX XXXX XXXX XXXX in regards to any contract as it pertains to any debt claimed. 

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX  CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX  has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, TransUnion, and XXXX to no avail.
Product: Credit card

XXXX financial Amazon credit card takes three weeks to process a check. Their statement only allows two weeks. They have charged me {$29.00} late fee for a payment they haven't processed. They want me to send them the cancelled check to prove I paid. But It hasn't cleared my bank.

I have previously paid by bank transfer to avoid a late fee, then two days later my bank receives the original so I end up paying twice. This has happened two times. This time I contacted them on the due date to challenge the late fee, but was told to wait. Two days after the due date I have been charged {$29.00} By the way, a check I mailed to XXXX XXXX on the same day cleared my bank 14 days ago.
Product: Vehicle loan or lease

Lobel repossessed the car that wasnt mine from the start I paid only XXXX on the car the dealer lied about my address because thats who got the tags and got my application excepted I didnt have XXXX to put down on the car the loan date was XX/XX/XXXX of 2019 the dealer didnt do the registration correctly I got all fix it tickets he withheld my new plates with tags he didnt smog the car and the contract wasnt real it was black n white printed made by him hes a private dealer diamond auto sales and he has ways of doing things and he failed me as a first time car buyer XXXX raised my payments as well the whole contract was fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Student loan

In XXXXXXXX XXXX I had made multiple calls to navient to set up my payment options/a plan to be on. I was only given one option that was not affordable at the time given I was just XXXX XXXX XXXX  The price I was given was over XXXX dollars. When I got off the phone I looked into payment plans online to see if there was any other options and multiple options for a lower monthly payment was present. 
I was also given one notice that my loans were being transferred to someone else and I would hear from whoever they were going to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account for Barclays reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a USDA loan a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Product: Credit reporting or other personal consumer reports

I "XXXX XXXX", is reaching out in regard to noticing on my consumer report. That I see collection accounts, inquires, and late payments that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a payment of {$80.00} through PayPal. After their fees the payment is {$77.00}. This amount has been pending since XX/XX/XXXX. The entry shows the " Money Received '' by PayPal but they refuse to release the payment into my account. When I contacted them all they would tell me is that I have to contact the PAYER and ask him why PayPal will not release the funds. This is totally illogical and meantime PayPal is keeping the money. Here is the transaction detail : XXXX XXXX + {$77.00} PENDING XX/XX/2021 Money Received
Product: Checking or savings account

On XX/XX/2021 I received a package from TD bank. I do not have a TD Bank account so I called their customer service and they confirmed that an account was opened, they immediately closed the account and reported the fraud.
Product: Checking or savings account

A company named XXXX XXXX XXXX who is located in XXXX charged my acct for a total of $ XXXX from XXXX XXXX XX/XX/XXXX in increments of XXXX XXXX {$300.00}. Showed proof of email that the company is acknowledging that the charges were unauthorized. They still denied the claim after the fact. I dont even think they did enough investigation to make an outcome.
Product: Checking or savings account

Last Tuesday, XX/XX/XXXX, I was making an ATM deposit at my local SunTrust 's drive thru. I put in two checks, one for {$1000.00} and one for {$960.00}, and the ATM read something like : ||Number of checks : 2 ||Number of checks read : 1 ||Total amount : {$960.00} ||Since one check wasn't read, I cancelled the deposit completely out of habit when this happens. The ATM spit out one of the checks, and made a lot of whirring and squeaky noises without the {$960.00} check coming out. The ATM said something like : Transaction cancelled. Thank you for banking with SunTrust. 

I called the SunTrust XXXX number while sitting in front of the ATM. They told me to talk to someone in the branch. 

I walked into my bank branch and talked to a customer service representative. She told me to email corporate customer support. 

I emailed customer support. They told me to call their fraud prevention department. 

I called fraud prevention. They told me to download a fraud incident report, fill it out, and fax it back to them. 

I faxed the report. I was notified as I did so that this may take up to ten days. 

This is an awfully long time to be missing that much money because of a blunder on the bank. My personal accountant told me to just ask my client for another check and cancel this " fraud claim '' investigation ( which the bank assures me it's being handled by the proper department ). I asked my local branch rep. She told me to not take any other action ( ask for a new check, cancel the " fraud investigation, '' etc. ) because it might inadvertently cause a returned check fee, for which they " would not be held responsible. '' I called yesterday, XX/XX/XXXX and asked for a manager to check on the status. I was told it's likely going to be another week before they have an " outcome, '' since it's ten BUSINESS days, which would be on XX/XX/XXXX. 

I've already opened my first credit union account. Honestly, at this point I want this situation resolved so that I can close my account completely and take my business elsewhere. I'm not hurting for the money at the moment, but it's an awful large amount of money to be sitting around wondering if they will find the check, or if it's been chewed up in the ATM and I need to ask my client to cut me another check, for which I'm positive SunTrust will not reimburse anyone the cost for a stop payment fee. 

After fifteen years of banking with them, it's always been underwhelming, but I wasn't in a great position to change banks until recently. After numerous sketchy overdraft protection fees while I was in college, the bouncing back and forth from a free to paid checking account without notifying me when it's converted back to paid, nothing SunTrust has ever done felt like they had me in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XXXX, Equifax & XXXX. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XXXX, Equifax & XXXX  never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XXXX, Equifax & XXXX credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced in earlyXX/XX/XXXX of a data breach/hack, involving my SSN, credit card # s, addresses, etc. This will affect me and my wife ( who was also hacked ) our entire lives. Equifax offered 1 year of credit alert protection - this is not equitable. My information is out there and will be out there for the rest of time due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove accounts that are fraud also accounts that are report inaccurate and incomplete information.They will not remove inquirys that are also fraud related.They will not remove negative information from my report that not related to anything.They also play games with my fico score it's always XXXX point removed for negative information but only go up XXXX point for a new trade line.I can not get anyone on the phone because the XXXX is setup.
Product: Credit card or prepaid card

I made an online automotive part purchase with XXXX XXXX, XXXX. on XX/XX/2020 in the amount of {$26.00} and on XX/XX/2020, I called to see why I have not received the item I paid for and the represenative said that the warehouse made a mistake and that that particular item was " not '' in stock, ( even though it listed as being " in stock '' ), when I purchased it. ( they sent me another part that I did not order ). I ordered a idle air control valve connector ( pigtail ), they sent me a " Light Connector '' The company " has not '' made any credits to my credit card ( discover card ), for the amount in question. So I called Discover Card to dispute the amount ( charge ), but all I got was rude, uncaring, indifferent employees who have done nothing to credit my account for non delivery of item that I purchased online. I know as a consumer I have the " right '' to dispute a charge for a product and or service that is not as advertised, or is malfunctioned, fraud, etc. I also have the right to get either a refund, or a credit ( not a store credit ), issued to the original method of payment when I have proven my claim. Discover card has some very rude employees and should be fired. I don't see how discover card is still in business considering the way I was talked to/treated on the phone on XX/XX/2020. If they talk to all good paying discover card customers the way I was, then they should close up shop.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the student loans reported on my credit file due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ). Recent reports indicate that XXXX XXXX and affiliated entities may have gained unauthorized access to Americans ' private student loan information. FERPA ( 20 U.S.C. 1232g ) protects student records from such unauthorized disclosures. If my loan data has been accessed, shared, or misused without my consent, it constitutes a violation of federal law.

I am requesting the immediate removal of these student loans from my credit report, verification of the data source, and an investigation into whether my information was obtained legally. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate, verifiable, and lawfully obtained. If they can not provide proof that my student loan data was acquired in compliance with FERPA, they are required to remove the accounts from my report.

I urge the CFPB to oversee this matter to ensure my rights are protected. Failure to act on this dispute may result in legal action to enforce my consumer rights.
Product: Debt collection

Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

Company called me at XXXX XXXX  on Sunday XX/XX/XXXX.
Product: Debt collection

Company : Credit Collection Servic Account Information : - Account type : Collection account - Account status : Open - Individual Account - Remarks : Account information disputed by consumer, meets FCRA requirements- Original creditor : XXXX - Opened : XX/XX/XXXX ( 1 year, 9 months ) - Last reported : XX/XX/XXXX - Balance : {$120.00} Complaint : I am writing to dispute the collection account reported by Credit Collection Servic. The account contains multiple errors and violations of the Fair Credit Reporting Act ( FCRA ). Specifically : - The debt is not mine, and I have already informed the creditor of this error. 
- The collection notices contain misleading and deceptive language. 
- The creditor has failed to provide accurate and complete information regarding the services rendered. 
- The creditor has failed to obtain my permission to list this debt on my credit report. 

I have tried to resolve this issue with the creditor, but they have refused to correct the errors. I am requesting that the CFPB assist me in resolving this matter and provide relief from the harm caused by the creditor 's actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies my information I only gave it to XXXX to apply for there cars but they ran my credit 52 times 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 card

I have had trouble with my payments being returned due to my accountant provided me old account numbers and at my banks which were recently hanged because of fraud. I explained that I was sorry and made additional payments to cover my balance and my account has always been current and Id not past due. My account is in the closed status but my available credit shows my credit is available. I have been given the run around and everyone tells me different things or has no idea what I am talking about. I provided my passport if on card opening inside a local branch. One week ago I provided id to the XXXX branch regarding my debit card and checking account. I was asked to call my branch to get the hold lifted but they do not know what is needed. I just want to be able to use my card again.
Product: Checking or savings account

I opened a Citi accelerated account around mid-XXXX. I used the promotional link that states : 'Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days ' Deposited XXXX on XX/XX/XXXX, maintained the balance for more than 5 months, and did not see the reward bonus coming. Contacted Citi customer service for at least three times, asked me to wait as it takes the bonus {$400.00} up to three months after 60 days to be credited into my account. Now three months passed and it is not in my account yet.
Product: Vehicle loan or lease

The Toyota XXXX I purchase have had a right back wheel problem where it produces a noice and the feeling the wheel is about to get out from the pick up brace, I take the vehicle several times to the service for repair with out any favorable result, after I heard there are several recalls for my vehicle, I search on the Toyota web site where I find the recall that is affecting my vehicle where indicates this mal function increase the risk to lead vehicle to crash. I decided to fallow the process of Lemon Vehicle Complaint Purchased date XX/XX/year> Repair service inspection XX/XX/year>, XX/XX/year>, XX/XX/year> Recall addressing the problem I have XX/XX/year> by XXXX XXXX XXXX Certain Parts of the transmition may not immediately disengage when the vehicle is shifted to the neutral position. This can allow some engine power to continue to be transferred to the wheels and allow the vehicle to inadvertenly creep foward at low speed when it is on a flat surface and no brakes are applied, leading to an increase risk of a crash.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and an FCRA violation. XXXX. XXXX XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.