23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am an independent contractor who works as a XXXX, I am incorporated as a P.A. I have a business account with Bank of America. Because I did not qualify for unemployment during the pandemic I applied for a PPP loan with Bank of America. I submitted my income to them and filled out their application through their own portal in XXXX of XXXX. I received a call from a Bank of America Representative that I needed to upload a balance sheet of expenses, I said that I was not an accountant but would provide one. I had not yet had my XXXX taxes completed. I was approved for {$32000.00} and signed the promissory note on XX/XX/XXXX. I received a call from Bank of America in the fall of XXXX, the man on the phone said that I needed to give back {$10000.00} of the money I received from the PPP loan. I was not provided any written correspondence from Bank of America regarding the matter so I said that I would call the SBA. I contacted the SBA and they knew nothing about the matter. I called Bank of America back and told the representative they did not know anything and the man said if he were me he would not return the money. 
I received an email from Bank of America on XX/XX/XXXX basically saying that my PPP loan would not be forgiven and an explanation of " the correct maximum loan amount/maximum forgivable loan amount '' and I would owe {$15000.00}. I called to the customer service line and the woman could not find anything regarding this email and directed me to the homepage of my 2 accounts to review my ppp loan information but there was nothing there. I no longer had access to the application I completed for them. I explained to the woman that when I applied for the PPP loan it was with the guidance of a Bank of America representative. She made numerous complaints that she said would be escalated. I said how can they already tell me I would not be forgiven for the PPP loan when I had not yet applied for forgiveness. A few days late I received a phone call from a woman with Bank of America whose title was PPP Triage Representative trying to encourage me to apply for forgiveness. I told her why would I apply for forgiveness when I received an email stating that I would not be forgiven for the loan. Her tone was to sympathize with me and to pretend like Bank of America really wanted to help me in these difficult times. I have not applied for forgiveness, my net income in XXXX was around {$16000.00} and Bank of America made an underwriting error with the amount that I was approved for and they want me to take responsibility for their mistake. I am XXXX years old and they are saying I need to pay back basically what I made in XXXX. I know that many businesses that did not need the money were forgiven for the full amount and I would expect the government to forgive a loan that was to provide basic living needs to someone who truly needs it. I have provided the correspondence, Promissory Note and the income I submitted when applying for the loan. No where in the Promissory Note does it talk about incorrect loan amount.
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 : INSURANCE SELFREPORTED Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 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

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late ( XX/XX/2015 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of XXXX I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report. 
Please see details below : Capio Partners LLC XX/XX/2022 in the amount of {$200.00}
Product: Mortgage

On XX/XX/2016 I received a call from a representative from the loan processing center of Bank of America regarding a recent application the under review. I believe there was premeditated intent to mislead me with the intent of gathering a statement from me with misleading questioning designed to profit their case against against me, under false pretenses this conspiring to deny me rightful credit approval has been propagated by several individuals therefore I suspect collusion. A further inquiry of this phone conversation will reveal several co-conspirators of this malfeasance of civil rights violations of fair lending? I am a minority and I demand an accounting of this habitual antagonistic contentious pattern of behavior towards under-represented people borrowing from institutions who were themselves saved with bail out money from ordinary people, like myself who pay their taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccuracies in my XXXX  report showing a collection for {$100.00} from TransWorld Systems opened on XX/XX/2017. Another inaccuracy is on my XXXX report from XXXX XXXX for {$500.00} opened on XX/XX/2017. I pay all my bills. These are not my collections/accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
10. Validate Inaccurate/Reported Late payment XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
11. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
13. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
14. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
15. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
16. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/2024 I contacted XXXX Bank ( Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases. 
This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/2024 when my score was still XXXX. As of XX/XX/2024 it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.
Product: Credit card

I am writing to formally request immediate attention regarding unresolved charges on my American Express account. Below are the details of the issue : On XX/XX/year>, I contacted the American Express Travel Agency to book a fully refundable trip in the U.S. for my chosen dates. The call was routed to a travel agency based in XXXX, which I was unaware of at the time. 

The agent booked XXXX hotel rooms ( no flight services were requested or included ). Subsequently : On XX/XX/year>, I called to modify the travel dates. 
A week later, I contacted the agency again to cancel the trip because my husband was unable to travel due to work commitments. 
Despite this cancellation, I have not received a refund for the charges. The amounts in question are as follows : XX/XX/year> : {$6600.00} XX/XX/year> : {$2900.00} The total owed to me is {$9600.00}. 
These charges are unauthorized as the trip was fully refundable and canceled within the allowed timeframe. I have made multiple attempts to resolve this matter but have received no satisfactory response or refund. 

This situation raises concerns about potential fraudulent activity involving American Express or its travel affiliates. I urge you to investigate this matter promptly and credit the full refund amount to my account without further delay. 

Please confirm receipt of this message and provide an update on the status of my refund. Should I not receive a resolution shortly, I may escalate this matter to relevant consumer protection agencies for further action. I have email correspondence to fully corroborate these facts and can supply. 

Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for failing to verify a debt after I requested validation. In XXXX of XXXX ], I contacted XXXX regarding a few accounts listed on my credit report, requesting verification of the debt as per my rights under the Fair Credit Reporting Act ( FCRA ). Despite my request, XXXX has refused to provide verification or documentation supporting the accuracy of the debt. 

The specific details of the issue are as follow XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX  Date of Request for Debt Verification : XX/XX/year> Details of Communication : Debt came back verified Requested Verification : I asked XXXX to verify the accuracy of the debt and provide supporting documentation, including the original creditor and account details. 
Under the FCRA, XXXX is required to investigate and verify the accuracy of any information they report, particularly when a consumer disputes the debt. Their refusal to provide verification is a violation of my rights, and I am requesting that the CFPB intervene to ensure XXXX complies with the law and rectifies the situation. 

I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX for their failure to verify the debt and for any potential violations of my consumer rights. 

Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CREDENCE RESOURCE MANAGEMENT Attn : Debt Validation Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing in response to your communication regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of the debt, including the following information : The name of the original creditor. 
The amount of the alleged debt. 
A detailed statement explaining the nature of the debt. 
A copy of the original contract or agreement that created the debt, or other evidence proving that I am legally obligated to pay this debt. 
A detailed accounting of any interest, fees, or other charges added to the original debt amount. 
Please note that I am not acknowledging the validity of the debt at this time. I am merely requesting verification in order to ensure that I am being contacted regarding a legitimate obligation. I understand my rights under the FDCPA and expect a response within 30 days of your receipt of this letter. 

Please be advised that during the verification period, you are required to cease any collection activities until you provide me with the requested information. 

Thank you for your attention to this matter. Please send the requested validation to the address listed above. 

Sincerely, XXXX XXXX
Product: Other financial service

The reason I am asking for help is because : every month I buy a XXXX cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to XXXX to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a Capital One BANK ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at XXXX but cashed in Capital one bank. I was given a period of 120 days for resolution and during these 120 days I have been calling XXXX twice a week with no update except for XXXX saying that they have emailed capital one 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' capital one into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed by Capital one bank without endorsement, and howcome Capital one has not responded back to the Claim I have with XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After being alerted of the XXXX personal information leak I tried to set a credit freeze at the three big credit reporting companies. One of these companies, TransUnion, buried their link to the credit freeze service behind multiple pages and ads for their own " credit security '' service, making it very difficult and confusing to freeze my credit. On top of this, they are blatantly abusing their power by charging a fee to freeze my credit after this massive leak, which can be said for XXXX as well. This is not a run-of-the-mill identity theft case. It is a massive breach of personal information, and these companies already stand to make billions of dollars from credit freeze fees alone. There is no reason for them to be pushing their own services to take advantage of people in vulnerable positions.
Product: Debt collection

Im really stressed out because this Company has mishandled things in a way that breaks the FDCPA rules. Theyve reported an account that I never agreed to or signed, and thats not right. A legal contract should have signatures from both parties, and I wasnt part of any agreement. They also skipped the required 5-step validation process. Because of these errors, Im entitled to compensation under the FDCPA. Their actions have clearly violated my rights, and I need this account removed right away from XXXX, XXXX XXXX XXXX. Thank you!
Product: Credit reporting or other personal consumer reports

THESE COMPANIES ARE ON MY CREDIT REPORT WITHOUT MY APPROVAL OR KNOWLEDGE. I AM XXXX AND I HAVEN'T DID ANYTHING ON MY OR WITH MY CREDIT IN OVER 10 YEARS. I HAVE NOT SIGNED ANYTHING OR KNOW WHO THESE PEOPLE ARE. MY INFORMATION WAS BREACH AND I HAVE A SECURITY FREEZE ON MY ACCOUNT THIS IS A SECURITY BREACH/IDENTITY THEFT. I WOULD LIKE THIS REMOVED FROM MY CREDIT IMMEDIATELY THIS IS FRAUD I HAVE HAD NO DEALINGS WITH THESE PEOPLE. REPORTING SOMETHING ON SOMEONES CREDIT WITHOUT THEIR KNOWLEDGE IS FRAUD.ALL OF MY INFORMATION HAS BEEN COMPRISED. 

XXXX XXXX XXXX XXXX {$1200.00} DATE : XX/XX/XXXX XXXX XXXX XXXX  AMOUNT : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX  AMOUNT : {$200.00} XX/XX/XXXX
Product: Mortgage

I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied. 

The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ). 
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too. 

I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.