23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of [ specific account name/number ] on my credit report. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I demand that this information be removed permanently from my file.

This account is a direct result of a data breach that exposed my personal information and led to unauthorized activity. As a victim of such a breach, I am legally protected from bearing the consequences of fraudulent or inaccurate reporting.

Key Points of My Dispute : 1. Unlawful Reporting : Continuing to report this account violates 15 U.S.C. 1681c-2, which mandates the removal of information that is proven to be fraudulent or inaccurate.

2. Failure to Reinvestigate : If you do not resolve this matter within the 30-day period as required under 15 U.S.C. 1681i, it will be considered a breach of your legal obligations to perform a reasonable investigation.

3. Legal Liability : Be advised that knowingly reporting inaccurate or fraudulent information after receiving a formal dispute exposes your organization to civil penalties, including statutory and punitive damages under 15 U.S.C. 1681n and 1681o.

Although I do not have supporting documentation at this time, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this breach and its impact on my credit. I can provide further details if necessary upon request.

I demand that this account be permanently removed and that I receive written confirmation of its removal. Failure to resolve this matter within 30 days will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the FTC, and potential legal action to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied collection agency reported a bogus debt, which they purchased from XXXX XXXX The debt was never owed to begin with. I visited a XXXX XXXX  to get a quote for some work. I initially intended to have them perform the procedure, but after 2 visits, I realized they were very unprofessional and backed out. The work they did perform, XXXX XXXX XXXX XXXX  was covered by my insurance. After numerous harrassing phone calls and repeatedly telling them I was not interested in having the pricedure done, they began calling, trying to get me to pay, the balance i was quoted for the procedure that was never carried out. XXXX XXXX is a corporation and they regularly have failures in communication which cause appointments to be scheduled by the corporate end, then you arrive and the local office doesnt have a clue about said appointment, leading to a big waste of time. ( just to give you an idea of the type of business I'm dealing with ). Anyway, after trying to charge me for work that was not performed, and constant phone calls to myself and my girlfriend, I told them if they keep harrassing me, I would sue them. I didn't hear back, until 5 years later, when Allied reports a collections account on my credit report. The dent is bogus, I called Allied, I called XXXX XXXX, I called XXXX I disputed, but apparently the investigation is done by Allied, who I believe are just as malicious as XXXX XXXX They have not provided any documentation, and Allied keeps increasing the balance periodically, and resetting the clock and further damaging my credit report. No one will do anything about this, and now I'm being denied credit cards due to this bogus collections on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves Equifax credit bureau and the furnisher : XXXX XXXX XXXX who are providing knowingly incorrect information on my credit file and Equifax refuse to remove it even though proof was provided. XXXX XXXX claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the Plaintiff ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to XXXX XXXX XXXX XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, XXXX XXXX still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to Equifax on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not Equifax!!!! Both are illegally falsifying the debt on my credit file.
Product: Debt collection

" Thank you for your payment. 
XXXX, thanks for your payment! 
TrueAccord logo Congratulations, your XXXX XXXX XXXX account is now resolved! 
For your records, here are the details about your payment : On XX/XX/XXXX, you made a payment of {$230.00}. You paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment resolves your balance with XXXX XXXX XXXX 

Provided that any payment you made is not returned unpaid, we will report to XXXX XXXX XXXX that this account is resolved and no further attempts will be made to collect on your account. 

Thanks for working with us. 

Your payment information Payment amount {$230.00} Payment date XX/XX/XXXX TrueAccord account number XXXX Creditor XXXX XXXX. 
XXXX  XXXX account ending in XXXX HOW DID WE DO? 
As always, if you have any questions just reply to this email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX  ET Copyright XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXXXXXX XXXX logo We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. '' I called XXXX and they I still owe {$150.00} dollars because this wasn't settlement and I owe interest. 
I called TrueAccord and they said, a settlement doesn't resolve the balance. 

I advised I was told this would settle my account and I will not be contacted for any further debt owe. 

Please help
Product: Debt collection

Trying to impose XXXX dollars in fees which is against fait debt collections practices act a serious violation and US Government Does nothing About this type of fraud I have tried numerous disputes with XXXX XXXX and have gotten on where Date of account opening XXXX XXXX 2015 that will have to checked also for accuracy PARTNERS FINANCIAL/XXXX XXXX XXXX XXXX, MO XXXX Somehow has added these fees and falsey reported it to XXXX as a collection account
Product: Debt collection

On XX/XX/2022 I sent a certified letter to Midland Funding LLC requesting a verification and validation of this alleged debt. I requested detailed information and letting them know that I wanted proof of the alleged debt from them. I will include the letter that was sent. On XXXX XXXX I received a letter. What I requested was not enclosed in the letter. Now I am requesting from the CFPB to investigate this matter. This is an alleged debt that was not proving that it belong to me. I am requesting that the alleged debt be removed from my credit report immediately from Midland Funding LLC. Midland Funding LLC failed to prove that the debt is mine. Midland Funding LLC did not reply accurately to my written demand for proof. I will include the tracking number for the certified letter and the letter itself, asking for proof. Neither of the requested information was provided.
Product: Credit reporting

Received a credit report from TransUnion showing " XXXX SERIOUS DELINQUENCY '' & " XXXX TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Transunion credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.
Product: Money transfers

I am a Chase Business account holder. I sent money to a company for a service that was not completed through their " Chase Quick Pay '' system. I called Chase bank numerous times and spoke with senior support representatives only to be repeatedly told that they could not offer any protections for electronic money transfer. This is unacceptable, consumers need to have some sort of recourse in the event of fraud.
Product: Mortgage

Bank of America refuses to acknowledge/fix a payment that I made to them back in XX/XX/XXXX. They applied incorrectly to a escrow account and Ive been trying to get this fixed ever since. This entire year they have not been able to apply the funds correctly or refund me the money. In XXXX of this year I paid it again because they were now reporting me to the credit bureaus even though payments were made. Now I received a corrected XXXX tax statement. It almost seems like BOFA is intentionally doing this so people can lose their homes. They are the worst at getting back with any information. 
I just emailed them again tonight. Attachment shows all the payments that I have made to them. 

From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX XXXX To : XXXX, XXXX Subject : Now this Please tell me me what in the world is going on with my account. I just received another letter about a corrected mortgage interest for XXXX. Im sorry, do I now need to go an amend my return because of your error???? Im at my wits end with this. The fact that this is something that has been going on since XXXX of XXXX is incomprehensible. For BOFA to promote mental health and act like they care about their customers is a total facade. To put a customer through endless torture of not being able to find funds for a payment that was made in XX/XX/XXXX!!!! 
Maybe because you people were working from home and nobody was doing any follow-ups. Either way this is your problem BOFA. Fix it I will go to social media and post all of my emails and attempts for you to fix this. My credit is being affected even though its your error. I ask that someone from your corporate office in NC give me a call. Do not call me from your office in CA or TX. Your employs at these locations have done nothing for me and say yes they will get it reversed and fixed but nothing is done. Its been 24 months of XXXX Shame on you BOFA. Ive made my payments every month and you have a record of that. You misrouted my funds from my XX/XX/XXXX payment and you want me to just forget about it. Fix it!!!!!!!!!!!! Fix it!!!!!!!!
Product: Checking or savings account

I have been banking with Regions for over 3 years and I am continuing to experience the same issues with unexplained and fraudulent overdraft fees and being charged maintenance fees with no real explanation on my account. I was apart of the first lawsuit settlement and only received returned overdraft fees but no compensation for the damage done on Regions part and yet I am still going through the same fraudulent overdraft fees. On Friday, XXXX, I reached out to Regions and was lied to about the overdraft fee charged for {$XXXX} due to a unexplained maintenance fee that just started being charged 3 months ago when I should have been meeting the requirements over the past year or more and was not being charged anything but the last 3 months I was charged and the representative claimed its because I am not depositing at least {$XXXX} in my acct each month but Ive been depositing {$XXXX} biweekly and have been doing so over a year and was not being charged, but all of a sudden fees started showing up. The representative said its because it should be {$XXXX} in XXXX deposit or a total of {$XXXX} over a month but that apparently that has not been the case of the last year and was never notified that I needed to pay a maintenance fee. She refunded all XXXX maintenance fees back and after hanging up I noticed she did not give me my overdraft fee back so I called back and this representative claimed the overdraft fee was for a {$XXXX} fee that went into overdraft days ago which was paid before the grace period and I have pics to show proof so she gave me my overdraft fee back. I need to be compensated for all of the stress and time Regions has put me through or I am going to file another lawsuit against your company and now I have to reroute all of my bills because I can no longer keep Regions. Its too much work trying to keep up with all your high cost fees and lies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX XXXX XXXX XXXX I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$4500.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy
Product: Debt collection

XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for a debt I do not owe. I have asked for a contract with my signature, disputed with the credit bureaus, as well as verification that I am responsible. They just provided a statement and my name does not appear on anything they have. However, they are still attempting to try to collect from me because of an association with the people on any documentation. I am not responsible and they have not provided ANYTHING to prove otherwise. I thank you in advance for your help in resolving this matter.
Product: Credit card

Chase Bank Credit offered me a 0 % promotional rate on a balance transfer. They then proceeded to charge me an annual fee in between my billing cycle so that the charge was treated as a " regular purchase ''. I paid the annual fee but could not have the interest charge removed. this charge will linger on my account for 2 months until it is paid and there is nothing I can do as the company will not reverse the interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current legal name is ; XXXX XXXX XXXX and my current occupation is ; XXXX XXXX XXXX XXXX XXXX.i would like to complain my credit score, because before XXXX/ XXXX/2017 and after my credit report is incorrect information and inaccuracy, But my credit score is over XXXX point, and I was requesting for disputing and reporting to the CRAs also I was lost over one hundred points of my credit score after all this, CRAs correct the information and remove items off my credit report .TransUnion they reinvestigation and disputed all the inaccuracies the account collection also, after investigations and disputes inaccuracy on my credit report I believe that Im an innocent victim of fraud also, but I would like to ask rescore and give my current score back I was lose a lot of points about the items is not belongs to me my credit report now is XXXX .i did call TransUnion to asking them to rescore their told me their dont know. Please I would like to ask for help rescore my credit scores.thank you
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 USC 1681. 

Account name : XXXX XXXX/ XXXX - Account # 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't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is not my debt. The Collection Agency did not provide " bill of sale '' and date of first delinquency. The most important thing is the original creditor did not even show up on my credit report.
Product: Money transfer, virtual currency, or money service

I deposited XXXX XXXX   into crypto.com via XXXX XXXX. A week or 2 later, after the money had already cleared my bank, which I have statements of, they put a negative XXXXXXXX XXXX on my account balance and said I have to pay it for my account to go back to zero balance. 
The same thing happened on 3 transactions total all around the same time a week or so after deposited. they fixed the XXXX XXXX  and XXXX XXXX Deposit issue, but left the XXXX XXXX Issue. I sent them bank statements and proof of deposit, but everyday they just say they are working on it and can not give me and answers
Product: Debt collection

This account was closed over a year ago. However, company continues to report debt to credit bureaus as current which is negatively affecting my credit score.
Product: Debt collection

This company ( Michael and Associates, PC ), They continue to harass me about an alleged debt that was a result of fraud and identity theft. I gave them a copy of a police report as well as a notarized and sworn statement. They still are attempting to file false claims after they got everything that they needed from me. This is illegal and against the FCRA and also the truth in lending act. They need to be stopped.
Product: Credit reporting

LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. 

In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. 

Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.
Product: Credit card

I am writing to formally file a complaint against First Progress regarding its failure to return my security deposit. My account was closed on XX/XX/2024, yet I have not received the deposit used to open my account. 

I have repeatedly contacted First Progress to resolve this matter, but I have been met with conflicting information and unfulfilled promises. Specifically : I have been given several different dates by First Progress representatives on when to expect the refund check, none of which have been accurate. 
I have been told conflicting policies on how the refund process works, leaving me unable to understand the legitimate reason for the delay. 
I believe I have been misled about the companys procedures for returning funds, as none of the explanations provided align with the original terms of the account agreement. 
As of today, it has been over XXXX months since my account was closed, and I am still without my deposit. I believe this delay and lack of transparency are unacceptable. 

I am requesting the immediate issuance of my refund and a clear explanation of why this matter has taken so long to resolve.