23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear SECURITY CREDIT ; XXXX XXXX ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAR XX/XX/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 XX/XX/XXXX ; LA XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I open an account and I explained that my ID was lost all I can provide them it was a passport document so they don't accept us passport so I requested for them to closed the account by X previously XXXX, I also email them but nothing was done. And over the phone why would I have an account open when I can not use it. 

So I rather have them closed the account right away.
Product: Credit card or prepaid card

Told I was applying for a loyalty card not a credit card at TJMax
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution to any current or future identity theft and investigation into the delay in notifying the public.
Product: Debt collection

In the month of XX/XX/2018 after reviewing my credit report a collection on my report, I wrote to the original company XXXX XXXX to provide me with an accurate audit permitted by law and they informed me that the collect has been sold to a collection company LVNV Funding, I wrote to them to provide me with an correct accounting of amount due to them. My request was very clear of what I wanted. Specifically a break down of the all charges and fees, to make sure all consumer law where implemented and not simply verifying that I owe them a debt but a clear understanding of money owed. All I received was a form statement that it was correct but not providing me with a breakdown of fees and charges. The original credit line was {$700.00} and they state that I owe them {$1000.00}. How and where these fees come from my request came with no answer. I follow the fair credit act with the credit agency requesting verification as provided by law and my response was the same.
Product: Mortgage

XX/XX/year> I sent {$100000.00} wirere transfer from my bank to M & T Bank for a mortgage payoff. I never heard anything from bank and assumed all was fine. There was a balance of {$5100.00} which I sent a few days later after speaking with XXXX at M & T and got the exact amount. She did not mention any issues with the $ XXXX sent on XX/XX/XXXX. 

Around XX/XX/XXXX I called to make sure everything was OK to payoff dept. I left XXXX messages with XXXX but never received a return call. The bank returned the {$5100.00} wire transfer XXXX separate time yet never called to check or let me know why they returned the payoff. Then I was told the original XXXX was also returned. When I asked why they said all money had to be sent same time. That doesn't make sense that a bank who deals with money every day could not add the XXXX payments together and figure this out. 

Then they charged me {$490.00} more on my payoff on top of the {$60.00} I paid my bank for wire transfer fees. Then I realized this seemed to be their way of delaying payoff and collecting more money. During this situation no one ever called to let me know the problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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: Debt collection

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. XXXX failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. XXXX failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. XXXX did adjust the loan on XX/XX/XXXX only after XXXX had violated the bankruptcy code and FDCPA. XXXX during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. XXXX in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. XXXX did not let this happen paid them off and then demanded the amount in full.
Product: Checking or savings account

Charles Schwab sent me an account statement that shows a XXXX balance and " closing withdrawal '' of {$7.00}. That is false. I have no ability to cash checks. The bank still owes me {$7.00}. Send the money to this bankruptcy estate. XXXX XXXX XXXX I have no ability to cash checks, and I will not be opening another bank account or accepting usd ever again. I want my collateral back, and will be pressing criminal fraud charges against schwab as part of the bankruptcy settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 Hard inquiries on my credit report that is not mine they are United One R XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed
Product: Mortgage

I am unsure exactly what type of mortgage fraud it is. 
There is a phone number that came back on my mother 's credit report to a woman. 
The exact same woman has mail continuously coming to our house along with several other random pupils mail. These individuals are people whom the either of us have ever even met. 
I looked the phone number up to the woman on my mother 's credit report and she once worked at UMB Bank.Several members in my family including my mother, both grandparents, grandparents business, and myself all had Accounts with UMB BANK over the years. 
My grandparents banked with the bank for many many years. 
I reported this to the post office months ago but have yet to hear back except for one time the same week of XXXX. 
My mother 's name is XXXX XXXX, she pays a mortgage on her home that my children and i occupy with her. Her monthly mortgage prices change seldomly as well.
Product: Credit reporting or other personal consumer reports

I've noticed incorrect information on my credit report, which is governed under 15 USC 16c-2. This misinformation is affecting my credit score, and I did not authorize the inquiries listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. XXXX open end consumer credit plan as late for an purpose. Additionally, my chapter 7 is still on my report and is discharged - it shouldnt be on my report any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a capital one credit card and they didnt report to credit agencies as promised
Product: Mortgage

MY EQUITY SOURCE ACCOUNT APPLICATION WAS DENIED BY CITIBANK NA BECAUSE OF CURRENT DEROGATORY TRADE INFORMATION ON CREDIT BUREAU.I WISH TO HAVE THIS CREDIT INQUIRY REMOVED FROM ALL XXXX CREDIT REPORTING AGENCIES BECAUSE CITIBANK DID NOT PROVIDE ME WITH ANY DETERMINATION BASED REASONS.THE ENCLOSED ADVERSE DECISION LETTER IS DEFECTIVE AMBIGUOUS AND LACKS CLARITY..
Product: Mortgage

I have executed the Loan Refinance which exists the loan, with BSI Financial on XX/XX/23. The payoff amount was requested from BSI so that the title company XXXX XXXX XXXX would have the accurate amount to successfully wire the correct funds. However, BSI Financial continues to fail to send the accurate amount and still continues to try and charge me double daily fees to incur more money from me, so I'm never able to close the loan successfully and continues to defraud me out of my money in fees. 
Also, I've tried calling their customer support and service throughout the loan servicing and its been a horrible customer service experience and I hate working with this company and would never want anyone else to have to deal with this company. 

BSI Financial Services XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees and returned check fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
The issue appears consistent with recent findings with the CFPB which identified similar practices with Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair. As a result I have not been able to pay many bills on time damaging my personal credit.
Product: Debt collection

I received a letter dated XX/XX/2018 for a debt of XXXX from Transworld Systems inc. they claimed I owed XXXX XXXX XXXX   a debt. Ive never had an account with them so Im unsure why Im getting this debt collection.
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. 

XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXX # XXXX XXXX has violated my rights -XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX # XXXX, has XXXX XXXX rights XXXX XXXX XXXX # XXXX, has violated XXXX XXXX XXXX XXXX # XXXX, has violated my rights -XXXX XXXX XXXX XXXX, has violated my rights 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 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 or other personal consumer reports

Hello my name is XXXX XXXX I'm a victim of Identity theft I have several accounts that was opened without my consent all of these accounts are fraudulent and I need them removed off my credit report. The account is a credit card with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX for {$120.00}, the next account is XXXX XXXX  XXXX the amount is {$2300.00}. PLEASE RESOLVE WITHIN 4 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX TX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX 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 not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge off and public record from my credit report, which has been inaccurately reported by your organization. This erroneous information is causing significant harm to my financial well-being and creditworthiness. 

I have taken steps to resolve the issue with this account and have successfully [ explain any efforts to resolve the debt, such as paying it off, settling it, or disputing it ]. Despite these actions, the inaccurate information remains on my credit report, negatively impacting my ability to obtain credit, loans, and other financial services. 

I kindly request that you investigate this matter promptly and verify the accuracy of the information reported in my credit file. If it is determined that the information is indeed inaccurate or incomplete, I request the following actions be taken : Remove the charge off and public record from my credit report. 
Update my credit report to accurately reflect the resolution of this account. 
Provide me with written confirmation of the removal and any updates made to my credit report. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and up-to-date. I am attaching copies of supporting documents, including proof of resolution, payment records, and any correspondence related to this account, to assist in your investigation. 

I expect a prompt response within 30 days of receiving this letter, as required by law. If you are unable to verify the accuracy of the information, please provide a written explanation for your findings. 

Failure to comply with the FCRA 's requirements may result in legal action, and I reserve my rights under both federal and state law to seek damages for any harm caused by the inaccurate reporting. Kindly assist me to delete the charge off account and public record as they are fraud in my credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2013.
Product: Debt collection

Receiving nonstop calls to my work and it is a recording stating its XXXX does not identify who they are or what they want. Recording states they are trying to obtain my location and whereabouts and if they are unable to locate me the law allows them to contact all references etc. Phone calls are not allowed to my place of employment, calls are recorded and they continue to call. Never identify who they are or what they want. I have no correspondence from anyone nor do I have collection action or anything of that nature on my credit file. They are calling from XXXX and XXXX
Product: Checking or savings account

Everyday Checking was opened on XX/XX/XXXX email confirmation from WF confirming eligibility to the {$320.00} sign on bonus. Terms of the offer states below and you can view it on the attached PDF for the current latest offer : -Wells Fargo is offering a {$320.00} bonus when you open a new Everyday Checking account and complete the following requirements : -Receive a total of {$1000.00} or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening ( the qualification period ) -This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank. 
-You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo checking account. 
-You are not eligible for this offer if : -You are a current owner of a Wells Fargo consumer checking account -You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months -You are a Wells Fargo employee -Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 

I did not have any other WF checking account as of XX/XX/XXXX, though I did open a XXXX XXXX  account on XX/XX/XXXX which still meets the condition of the offer. I have not received a consumer checking bonus within the past 12 months as of XX/XX/XXXX. I'm not a WF employee. Acct was funded with {$50.00} on XX/XX/XXXX. Acct had direct deposit of {$3900.00} on XX/XX/XXXX which meets the requirement of more than {$1000.00} within 90 days of account opening. Based on all this, I have satisfied all requirements for the {$320.00} bonus. It's now XXXX and I have yet to receive the {$320.00} bonus. that is 133 days since XX/XX/XXXX. As per terms above and on the offer, payout for the bonus would be within 120 days or earlier. 

Please review and provide payment of the {$320.00} bonus offer.
Product: Vehicle loan or lease

American credit acceptance bought my contract from XXXX XXXX XXXX in XXXX FL. The price of the vehicle was {$15000.00}. After taxes, fees, etc my total finance price was {$18000.00}. I put down {$3100.00} which brought my total owed to {$14000.00}. I made XXXX {$200.00} payments then called and put down another {$3000.00} which brought my total to {$11000.00}. Continued making payments per usual for about 2 months. {$200.00} every XXXX weeks for a total of {$800.00} which brought my total down to {$11000.00}. Without my knowledge American credit acceptance bought out my contract. I had no notice, no one called me, no one sent a letter, nothing. I call XXXX auto mall after a month wondering maybe they haven't taken my payments out because I was so positive in my total owed. They informed me they bought my contract and they should've contacted me. I called American credit acceptance and they informed me they can't find my account and they would call me back. I called several times to no avail. Finally about a month later I received my first letter from American credit acceptance FINAL WARNING! Before Repossession! This letter stating I owe {$800.00} and I need to make payment now. I call and explain the situation where they magically found my account now. I paid them {$200.00} and said I can only make {$200.00} every XXXX week payments because I have XXXX kids and bills are high. 

Last payment to dealership : XX/XX/XXXX Description : Post Payment Amount {$200.00} First payment to American credit acceptance : XX/XX/XXXX Description : Post Payment Amount {$200.00} A little over a month between my payments I got so behind only being able to make payments of {$200.00} every XXXX weeks, so around XXXX time I'm on the phone stating I don't understand how I owe so much money and I really need to get my account back in good standing. They offered me an extension. After that extension was approved I made XXXX payments XX/XX/XXXX Description : Post Payment Amount {$500.00} XX/XX/XXXX Description : Post Payment Amount {$500.00} I have been making payments on time every XXXX weeks no issues. I totaled up my payments with American credit acceptance {$16000.00} XXXX with desoto auto mall. I have paid XXXX so far for a {$15000.00} car and still stating I owe {$5600.00}. The car has no air and Ive spent so much money trying to fix it to no avail. No one will buy the car. I tried to trade in and they wont take the car. I don't understand why I am still paying on this loan when I already paid my total and then some. American credit acceptance has offered no help. Only stating I can do a voluntary repo or sell the car.