23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Illegitimate Collections on XXXX, XXXX, and TransUnion Credit Reports To Whom It May Concern, I am writing to file a formal complaint against [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] for posting the same illegitimate collection on my XXXX, XXXX, and TransUnion credit reports. I believe that these actions are in direct violation of several laws and regulations governing the collection of debts, as well as my consumer rights. 

[ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have both reported a collection account that I strongly dispute. Notably, these two creditors are attempting to collect on the same debt, which is misleading and damaging to my creditworthiness. I have attached copies of my correspondence with both creditors, demonstrating my efforts to rectify this situation. 

The actions of [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] appear to be in violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) : These creditors are engaging in unfair and deceptive practices by double-reporting the same debt. Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations, including those that falsely represent the character, amount, or legal status of any debt.

2. Fair Credit Reporting Act ( FCRA ) : The repeated reporting of the same illegitimate debt by [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] is a violation of the FCRAs accuracy and integrity requirements ( Section 611 ). It has caused significant harm to my credit score and overall financial well-being.

3. Consumer Financial Protection Bureau Regulations : [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have violated Regulation V, which implements the FCRA. This includes their failure to conduct a reasonable investigation into the accuracy of the information they reported and their disregard for my rights as a consumer.

4. Deceptive and Unfair Trade Practices Acts ( State Laws ) : Their actions may also be in violation of state consumer protection laws, including those related to deceptive or unfair trade practices. 

I believe that [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have infringed upon my consumer rights by unlawfully posting inaccurate and duplicate information on my credit reports. This has had a detrimental impact on my ability to secure loans, housing, and other financial opportunities. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to hold these creditors accountable for their actions. 

I appreciate your attention to this matter and hope for a prompt resolution. 

Thank you for your assistance in addressing this issue and ensuring that my rights as a consumer are upheld.
Product: Vehicle loan or lease

Purchased camper on XX/XX/2023 and BMO Bank NA funded the loan on XX/XX/2023. First payment of XXXX was due on XX/XX/2023, we paid XXXX on XX/XX/2023, whole amount was applied to interest only. Next payment was due XX/XX/2023 and we again paid XXXX on XX/XX/2023 and whole amount was applied to interest only, even though additional was paid per the truth in lending disclosure and payment coupon book received by BMO. Spoke with customer care and they denied me to pay any principal of the loan. They refused to give me any information on the loan and transaction history as well. Paid another XXXX on XX/XX/2023 and that was applied to interest only as well. They will not authorize any of money paid by us to be paid towards principal with no explanation as to why. We will never be able to touch the principal of this loan at this rate with interest accruing and no principal being paid and we have paid a total of XXXX only towards interest as of today per BMO. BMO has charged interest before the loan was funded and refusing to apply any portion of any payments to principal. I have called repeatedly to customer call center with no answers or corrections.
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 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 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 XXXX 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: Bank account or service

I have had a savings and checking account with Bank of America for many years. XXXX accounts were opened because they were free with direct deposit of my XXXX XXXX check monthly. Now as of last month, suddenly BoA wants to charge a {$5.00} fee if my savings account balance goes below {$25.00} at any time during the month. 
It 's bad enough that they pay no interest for a savings account, but now they want to charge a " maintenance fee '' if I do n't retain a minimum balance? What maintenance? I do all my banking online and they already restrict how many times you can transfer money from savings to your checking account each month. I do not believe this is legal or at least false advertising, they got me to open these accounts by offering them free and now they want to add bogus fees?
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

XX/XX/XXXX, I contacted Ally Bank which financed my car loan about the warranty I purchased in the car loan not being valid. The dealership that I bought the car from was closed down by the federal authorities the month prior so I was unable to confront them about the issue and the warranty company advised me that there was no active warranty. I reached out to the bank for 30 days in which they would not respond to me about the warranty which was financed and in the contract, however, did not exist. In XXXX of XXXX, I retained a lawyer to contact the bank. We sent in all of the paperwork and in XXXX of XXXX it was determined by Ally 's Fraud Department that fraud existed. It was found out that the contract I possessed was different from the contract the bank possessed : ( 1 ) my contract had a warranty in the amount financed, Ally 's didn't ; ( 2 ) Ally 's contract did not have my signature ; and ( 3 ) the terms of the finance and numbers where not the same on both contracts. I have police reports to reflect this as well. Ally did not respond to my attorney for months after fraud was determined which is the case up till now. We were sent one settlement agreement in XXXX of XXXX and since then Ally has not communicated or settled.
Product: Debt collection

FirstPoint Collection Resources , Inc just sent me a collection letter with the reference number of XXXX and they claim that I owe this debt as of XX/XX/XXXX for {$40.00} to XXXX XXXX XXXX XXXX  XXXX XXXX so I dont know what theyre talking about because I never had a citation about any of my animals and this needs dropped. The citation number for XXXX, XXXX XXXX XXXX XXXXl is XXXX XXXX XXXX. I was deemed XXXX in XX/XX/XXXX so I dont know how I couldve had a citation and I dont remember anything. I truly tell you this. I am starting a new job on Monday because I havent worked in XXXX years and its for minimum wage at home. I have NEVER heard about this until now & Im not paying for something I DO NOT OWE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX'date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

Portfolio Recovery Associates sent letters to my home, I ask them to validate however they sent no original contract or anything with me opening up account with XXXX XXXX, just sent the amount they say I owe. They person called stated they from XXXX XXXX lies and told the person in the phone I can do a payment plan however they violated for one hownyou calling when I wrote to them my validation stated dont try contacting me they look my address up online and got the phone number its not my house its my friends house I use to reside in so why would they tell them I owe money to them and second it wasnt XXXX XXXX it was Portfolio Recovery Associates. They never sent a validation just old statements and nothing with my signature on it and I dont live in XXXX anymore I have moved to XXXX  so I will be calling contacting a lawyer under the FCRA they are required to show me a contract with my signature on it.
Product: Credit card or prepaid card

I had a credit card account with XXXX Credit Card company which I paid in full on XX/XX/2019 and sent a certified letter to them on XX/XX/2019 asking them to close my account. On XX/XX/2019 I returned camera equipment to XXXX, XXXX and even though my XXXX account was paid in full and I had requested in closed they issued a credit to the credit card anyone as that it was I used for the original purchase. This credit was issued to XXXX   by XXXX on XX/XX/2019. This left me with a credit balance on a closed XXXX Credit Card of {$3400.00}. 

I mailed a certified letter to XXXX, per their requirements, on XX/XX/2019 requested a refund check be mailed to me as soon as possible. As I had not heard from them I called them Saturday, XX/XX/XXXX and was told by Customer Service that they had requested the check be printed and it should be printed by XX/XX/2019. I waited until XX/XX/2019 and as I had still not received a check I called again. This time I was told the check had been mailed on XX/XX/XXXX and it should be delivered by the end of day on XX/XX/XXXX. When I had not received it in the mail on XX/XX/2019 I called again and was told that if I had not received it by XX/XX/2019 I should call them on XX/XX/2019 and request another check be sent. 

At this point I do not believe they have made an effort to refund this money. They are in Georgia and I am in Maryland and even with today 's mail service it does not take that long for a check to be sent through the mail. 

I would appreciate help in getting my refund as soon as possible.
Product: Credit reporting or other personal consumer reports

I field a dispute with Equifax, Experian and Transunion to remove the bankruptcy from my report, dealing with inaccurate information that can not be verified through document. They haven't shown any documents of verification.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXXXXXX Balance Owed : {$96.00} XXXX XXXX XXXX XXXX* Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by a XXXX clone entity which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX  account to fraudulent investment firm ( s ).
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXXXXXX  my card was stolen therefore I had to cancel it. I changed the payment with Zip as I owe installment payments on XXXX XXXX. Their app is defective. 

Zip has instructions regarding default payment and it does not work. It is not my fault because I am trying to make a payment and the system does not work. It is XX/XX/XXXX payment is not late either. I do not believe I should have to pay late payments due to an issue that is not my fault and I am trying to rectify it as I am trying to make a payment on the due date however ZIP system will not allow me. 

THEN I try to make a payment and the date of my new card expires XX/XX/XXXX I put it in the ZIP system. However, the ZIP system keeps changing the expiration date to XX/XX/XXXX which would not take my new card! 

This is a disappointment. I made screenshots to prove there is something wrong with the ZIP payment system, it needs to be corrected. 

Zip website states they accept Mastercard or Visa cards attached to a bank account my XXXX XXXX XXXX  is attached to a bank account now they want to charge me late charges for their own mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of identity theft. 
there are accounts on my credit report that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unforseen circumstances, I was delinquent on my TD Bank retail charge account representing furniture store XXXX XXXX XXXX. I was delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was marked as delinquent 30 days for the month of XX/XX/XXXX according to the credit bureaus. After this time I paid all future bills on time until the closure of the account in XX/XX/XXXX. I contacted the company XX/XX/XXXX and received a statement credit of {$37.00} on XX/XX/XXXX for the late fee issued XX/XX/XXXX. After speaking with multiple people from customer service department, my credit bureaus still show 30 day delinquency for the month of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX XXXX, and the XXXX XXXX XXXX XXXX ( OCFP ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, EXPERIAN, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a report.
Product: Checking or savings account

Today, XX/XX/2019, I tried to call my bank ( Bank of America ) to request they give a new card because I stupidly made the mistake of sharing my information with a guy so he can deposit money. I called the bank at least 7 times and they only picked up twice. I am XXXX years old and open the account with an adult after I recieved my first card a app charged me multiple times so the bank send a new one, the second time was for the same reason. I literally just got this card and I put XXXX dollars in it because my account had been below XXXX because I'm out of a job. So those could be the reasons but they wouldn't tell me. Now I previously said I shared my information so someone I know can make a deposit but was smart and sent my XXXX $ to my friend just in case this person was a scam. When I realized that said person was causing me trouble that's when I called and found out my account was close. Which sucks because Bank Of America is my favorite bank and i wanted to be with them forever. I want to reopen my account and change my information so this person doesnt have access to it but I cant do that unless the bank reopens my account.
Product: Debt collection

XXXX XXXX  has continued to resell fraudulent debt dating back to 2017 to various collection companies and continues although the debt is fraud and every debt collector has received all my police reports over and over again. I just received a letter stating debt was sold to resurgent who also has circled back around. I just don't understand how this is allowed. This company really should be fined for violating consumer rights. I get notified daily on my credit and accounts added. Addresses wrong etc. The cycle continues to repeat itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to a agreement to settle the account in full with XXXX XXXX XXXX for a lesser amount than I owed. XXXX agreed for to settled the account paid in full for {$3300.00} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my experian and equifax that I still owe {$3300.00} and I would like this removed immediately!
Product: Mortgage

I have had this loan with M & T Bank since XX/XX/XXXX, As of XX/XX/XXXX, they call me every month between the XXXX and the XXXX of the month even though I have NEVER missed a payment and NEVER have been late. I pay my bill with them directly through their website on the XXXX, plus I receive a paper bill every month. I spoke to my mortgage broker who advised me that the next time I call to mention the CFPB, which I did and the representative stated that they didn't have to abide by the CFPB and that they wold continue to call me.
Product: Debt collection

California Business Bureau is reporting a medical bill to XXXX  that I believe was fraudulently incurred by someone I know using my information. I did not believe I incurred this bill and I have informed them ( disputed the bill ) in writing. They acknowledge that dispute on my credit report. They claim the dispute is resolved but it was not. 

I believe California Business Bureau has violated numerous laws and continues to willingly do so. 

It was already on my credit before they even attempted to communicate with me let alone validate it properly. This is a violation of the FDCPA. I have a right to have a debt validated BEFORE being reported by a 3rd party. 

During the dispute process I requested validation of the debt. This was done in writing. I have never received a response to my request for validation. Failure to respond to a request for validation is a violation of FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX and if this is not removed I intend seek damages. 

The only thing I have received is a single bill with very little information about the alleged bill. They have refused to provide a detailed itemization sufficient to show that the debt was valid, that contains enough detail to meet the standard established by case law Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ... They have not given me proof that the collection company owns the debt/or has been assigned the debt. This is basic contract law. They have not provided a copy of a statement from the original creditor. 

I believe that it was retracted by the original service provider and has a XXXX balance for quite some time now and they continue to knowingly report it inaccurately which is a violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ).
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE!!! Additional information has been provided!!!! I have requested to have an inquiry removed from Transunion. They are trying to educate me on how long inquiries remain on an account, I dont need education on inquiries, I need the inquiry removed. XXXX XXXX has informed them per letter, I have informed them, XXXX has requested the removal and Transunion is still not complying. This is an application I didnt request per the letter on the investigation shows this and they are adamant about leaving this inquiry on my credit report. Why? They took the unauthorized card information off, why leave the inquiry. It makes no sense enclosed is the letter from synchrony.