23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Formal Dispute of Debt - Request for Validation and Removal Based on FCRA and FDCPA Violations Dear Portfolio Recovery Associates Dispute Department, I am writing in response to your recent communication regarding an account that you claim I owe : Account Number : XXXX Original Creditor : XXXX XXXX XXXX 
Current Creditor : Portfolio Recovery Associates , LLC Balance : {$600.00} First, let me be clear : I dispute the validity of this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of the debt in question. I expect your response to include all relevant documentation that proves the debt is accurate, valid, and legitimately owed. 

Your communication, dated XX/XX/year>, failed to provide sufficient documentation to support your claim. The information you provided contradicts my records, and I demand clarity. Please provide the following : Proof that Portfolio Recovery Associates is legally authorized to collect this debt. 
A copy of the original signed agreement between myself and XXXX XXXX XXXX. that created this obligation. 
A detailed account of how the balance of {$600.00} was calculated, including interest and fees. 
Furthermore, I have already filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) concerning issues with XXXX XXXXXXXX and Portfolio Recovery Associates. The complaint details are as follows : Complaint ID : XXXX Filed XX/XX/year> : Regarding attempts to collect debt not owed ( XXXX XXXX ). The case was closed after a company response. 
Complaint ID : XXXX Filed XX/XX/year> : Regarding credit reporting problems with XXXX XXXX XXXX XXXX . This case was closed and marked as a duplicate. 
Complaint ID : XXXX Filed XX/XX/year> : Concerning an issue with a companys investigation into credit reporting ( XXXX XXXX XXXX XXXX ). This case was closed after a company response. 
As you can see, these complaints demonstrate ongoing issues with inaccurate reporting and insufficient investigations by XXXX XXXX and associated entities, which are clear violations of the FCRAs requirement for accurate reporting across all credit bureaus. 

If you can not provide adequate validation of this debt within 30 days, I fully expect that this item will be removed from my credit report as mandated by law. If this issue is not resolved, I will pursue all available legal remedies under both the FCRA and FDCPA, including damages of up to {$1000.00} per violation. 

This letter serves as a formal request under the FCRA and FDCPA. I expect your response within the 30-day period as required by law. Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX. XXXX XXXX.
Product: Credit card or prepaid card

My Citibank Costco Visa card was abruptly closed by Citibank on X/XX/17 without prior notice or explanation as to why they are closing my account. I just found out about the problem at a store when I tried to use my credit card and it was declined. I called Citibank using the number listed on the back of the card, but the specialist on the line could not tell me why my card was suddenly closed without an explanation. I have been advised to write Citibank a letter to ask what happened to my card. I was only given a XXXX XXXX XXXX without a name. This is an unacceptable behavior from Citibank. I have been a loyal customer for years without issues. Now I can not even get an answer from anyone.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of {$680000.00} from my Bit2Bit XXXX account to Bitstamp at the instructions of the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank XX/XX/XXXX payment history wrong XXXX XXXX  XX/XX/XXXX payment history wrong for all XXXX credit bureau XXXX XXXX XXXX XX/XX/XXXX payment history wrong for all XXXX credit bureau XXXX XX/XX/XXXX payment history wrong for all XXXX credit bureau
Product: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding your failure to properly investigate disputes I have submitted and your ongoing reporting of fraudulent and inaccurate results. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a thorough and reasonable investigation of disputed information. 

Specific Issues : Failure to Investigate Disputes Properly : Despite providing detailed documentation supporting my disputes, you have failed to conduct a reasonable investigation, as required by law. Instead, you have either upheld incorrect information or issued generic responses that do not address the substantive issues raised. 

Reporting Fraudulent Results : You have reported dispute results that are not based on a genuine investigation. This includes maintaining inaccurate and fraudulent information on my credit report, causing significant harm to my creditworthiness. 

Failure to Provide Verification Details : When requested, you have not provided adequate information regarding how disputed data was verified, in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). 

Harm Caused : Your actions have caused significant damage to my credit standing, financial opportunities, and peace of mind. Additionally, your failure to act responsibly is a violation of the consumer protections afforded to me under the FCRA. 

Demands for Resolution : To resolve this matter without legal escalation, I demand the following : Reinvestigate all disputes I have submitted to date, ensuring compliance with FCRA standards. 
Provide detailed information regarding the methods and sources used to verify disputed data. 
Immediately delete or correct inaccurate and fraudulent information on my credit report. 
Provide a written statement confirming the resolution of these disputes. 
Legal Notice : If these demands are not met within 15 business days of receipt of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action under the FCRA. This includes seeking statutory damages of {$1000.00} per violation, actual damages for harm caused, and legal fees. 

Your failure to uphold your legal responsibilities undermines consumer trust and violates federal law. I urge you to address these issues promptly and thoroughly
Product: Credit card

Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against BMO Harris Bank regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with BMO Harris Bank directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by BMO Harris Bank for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - 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 I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting BMO Harris Bank to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized BMO Harris Bank to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that BMO Harris Bank rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from BMO Harris Bank outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold BMO Harris Bank accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from BMO Harris Bank. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
Product: Mortgage

XXXX ( part of First Guaranty Mortgage Corp ) through fraud or gross negligence induced my family into applying twice for traditional 30-yr fixed rate mortgages that they could not ever provide us with. It took them 7 weeks to tell us that we were not approved for a loan. This was after we had to push them to even get our loan information to underwriting because we were closing very soon. The denial was given only 2 business days before our closing and was given after their agent had told us it was ok to transfer savings account funds in order to purchase my cashier 's check for closing. The denial came after they had directed, at our expense, a new survey and two rushed appraisals. The denial certainly came after they had charged us for application fees and rate lock fees. The denial was too late to prevent us from paying for inspections, option fees, and earnest money checks, and packing our home and notifying our children 's private school of our impending withdrawal. The reason for the denial of our loan was stated that we did not have a tax return for the newly reformed business that we own. They also have said that declining income in the old business was a reason for the denial. It is true that there is no new tax return for the new business and there was declining business income in the old business, but all of that information was provided specifically to them in the very first phone call with their agent ( as well as a memo and all the documentation early on for our files ). We had informed their agent that other lenders had been unable to offer us a traditional loan based on our business situation, but their agent assured us that he had spoken to his supervisor and an underwriter about our situation and no one could see a problem with us getting an exception to the one year tax return rule. He even convinced us to leave another lender because he was so confident in their customer service and ability. They allowed us to proceed with two different applications and incurring thousands of dollars in expenses related to the attempted purchase of these homes, all the while they could not ever have granted us the loans we sought on either house because of their lack of basic professional knowledge in their industry. They have caused us XXXX XXXX and harmed our personal and professional reputations by denying the loan at the 11th hour. They could have saved us 7 weeks of our time and thousands of dollars if they had been honest from the start ( or at least  competent ) and understood what the requirements were for the loan that we sought. Our first preapproval letter was given to us on XX/XX/XXXX. The second preapproval letter was written on XX/XX/XXXX. Their official denial of our loan was given on XX/XX/XXXX. Our closing was set for XX/XX/XXXX ( XX/XX/XXXX was a bank holiday ). We want to recover all fees and expenses that we have incurred trying to purchase these homes from the start of our relationship with XXXX. If they had been honest then we would never had spent the money that we did. They could have prevented all of this if they had timely reviewed our loan file and provided proper training to their agents.
Product: Debt collection

Midland Funding has called me several times a day on both my cell and home phone. They have also has placed several accounts on my credit report for debts that I allegedly owe to them, however I HAVE NEVER DONE BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!
Product: Debt collection

They don't have my name on their system .but they put me on credit report that makes me look bad
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX  ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : CXXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries I did unauthorize from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX sould be removed from my credit report thanks
Product: Checking or savings account

On XX/XX/year> I accessed my ATM with Bank of America in XXXX, XXXX  XXXX off of XXXX XXXX. I deposited {$670.00} into the ATM, as I have deposited cash into the ATM before, and while the ATM was counting the money the machine started sounding odd. Then on the screen " this ATM is currently unavailable '' popped up. I received a printout stating that my funds could not be returned to me and to contact the institution. I called the ATM number immediately and filed a claim. I called the bank first thing Monday morning, XX/XX/XXXX to file another complaint, claim, and to expedite the claim. It is now Wednesday, XX/XX/XXXX, and I still don't have my money and since my expediting on my claim has been denied. No explanation what so ever for their reasoning to deny my expediting! 
They clearly have video footage of me depositing money into the ATM and have since counted the money and they know without a shadow of a doubt the ATM was over by atleast {$670.00}. This is ridiculous. That was all the money I had. I have nothing to pay bills or buy food and am at the mercy of Bank of America to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX- XXXX ) XXXX**** , XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX. XXXX-XXXX-XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX**
Product: Debt collection

I attempted to open an account with XXXX, and they informed me that I would receive my SIM card, but I did not receive it. XXXX proceeded to bill me for XXXX dollars for service I never received or used because I did not receive the SIM card. I did not notice the charges because I rarely use the bank account. I've spoken several times to XXXX, who often could not find my account, saw that I had not used my account, and finally told me I would only be able to receive approximately {$60.00} back because they could not send the money back to my account since I closed the account due to their transactions. XXXX wanted an account number to send my refund, but I refused since they had already taken over {$300.00}. Finally, they turned my account over to AmSher Collection Service , Inc., stating that I owed them money and that they would create a negative statement on my credit report if not paid. This issue has been going on since XX/XX/2023 and they still have not refunded my money.
Product: Debt collection

XX/XX/year> XXXX XXXX {$350.00} 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 ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ;
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts, and I am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX 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 602 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card account was opened in my name fraudulently. XXXX XXXXXXXX XXXX refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.
Product: Credit reporting or other personal consumer reports

I am not liable for this XXXX account on my credit report I demand for it to get removed
Product: Credit reporting or other personal consumer reports

No confirmation in any form has been received that XXXX XXXX intends to remove their error of {$170.00} reported on the three major credit reporting bureaus, Transunion, XXXX, and XXXX, as admitted in response to my cfpb complaint on XX/XX/year>. 

Moreover, I was charged and paid {$94.00} on XX/XX/year>. I have no bill to refer to. I requested an itemized bill. I have not received a response.
Product: Debt collection

Have received Notice fr om Municipal Services Bureau rega rding a claimed amount owed for a parking ticket for vehicle that does not belong to me. The earlier debt collector was advised that the ticket did not belong to me and  now Municipal Services Bureau is  attempting to collect {$220.00 } (  Claimed date -    XXXX   XXXX  2016     ) from me for a debt that I do not owe. And, in the Noti ce, Municipal Services Bureau fails  to advise of my full rights as a consumer.