23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB Management states I owe them a debt. They have called several times a week over the last couple of month so I sent them a certified letter asking them to validate specific things and also added a cease and desist on phone calls, Told them that all future communication had to be written. They received the certified letter Tuesday XX/XX/20 according to tracking from USPS but today I received another phone call from them, a lady names XXXX XXXX to call them back to resolve/settle this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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 angency can not furnish an account without my written instructions.
Product: Debt collection

Negative items that has XXXX balance and was closed out is still in my credit report after I received letters stating that the items was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called Experian that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
Product: Checking or savings account

I am filing a formal complaint against Bank of America regarding their mishandling of an unauthorized transaction on my account, which occurred on XX/XX/2024, involving a purchase on XXXX. The banks actions have been unjust and have caused significant distress. 

1. Unauthorized Transaction : On XX/XX/2024, my account was charged for a purchase on XXXX that I did not authorize or initiate. This transaction is clearly fraudulent, and I immediately notified Bank of America upon discovering it. 
2. Banks Response and Dispute Handling : Initially, Bank of America credited the amount back to my account and acknowledged the unauthorized nature of the transaction. However, I recently received a notification stating their intent to reverse the credit and impose claim-related fees. They accused me of making the transaction myself and demanded additional evidence to prove my innocence. 
3. Communication with Bank of America : Following their accusation, I promptly communicated with Bank of America and provided extensive evidence to support my claim, including : A copy of my flight ticket dated XX/XX/2024, confirming my return from XXXX XXXX and establishing my physical location at home XXXX XXXX XXXXduring the disputed period. 
A record of the XXXX transaction from XXXX XXXX XXXX XXXX ( XXXX ) to my home at XXXX  on XX/XX/2024, further verifying my whereabouts. 
Chat history in XXXX with a friend, detailing my intensive video editing activities at home from XX/XX/XXXX to XX/XX/2024, demonstrating my focus and lack of time for unauthorized transactions. 
A signed statement unequivocally affirming that I did not authorize the transaction on XXXX. 
4. Extended Investigation Period : Despite providing comprehensive evidence, Bank of America has informed me that they require an additional 45 days to investigate this matter. This extended timeframe is unreasonable and has caused undue financial and emotional stress. 
5. Request for Intervention : I urgently request the Consumer Financial Protection Bureau to intervene and expedite the resolution of this dispute. Bank of Americas prolonged investigation period without clear justification is unacceptable, and I fear further financial harm if this matter is not resolved promptly. 
6. Concerns : I am deeply disappointed by Bank of Americas mishandling of this issue and their unjust treatment of me as a customer. Their demand for additional evidence and unreasonable investigation period have severely impacted my trust in their commitment to customer protection and fair dispute resolution practices. 
7. Contact Information : Name : XXXX XXXX Account Number : XXXX Phone Number : XXXX Email : XXXX I urgently request your immediate attention to this matter. Your intervention is crucial to ensuring a fair resolution and restoring my confidence in banking consumer protections. 

Thank you for your prompt action and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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 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 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 ALL continue to 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 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Vehicle loan or lease

On XX/XX/2019, I purchased a vehicle from XXXX XXXX in XXXX, AZ. I put {$10000.00} down and financed the rest with Toyota Financial Services. I was told they use XXXX, so I immediately lifted a Credit Freeze on my XXXX  account. On XX/XX/2019, I received a call from Toyota Financial about a Fraud Alert on my XXXX  credit report. I was asked to answer a couple of questions which I did. I assumed everything was resolved. On XX/XX/XXXX, I received a letter from Toyota Financial saying they were denying my credit because " Unsatisfactory resolution of investigation in response to receipt of fraud alert. '' No mention of the XX/XX/XXXX communication was noted nor was the credit bureau which was the source of the fraud alert. I am working with the dealership to try to resolve this but wanted to report this to you because the situation is egregious. I did what is required of me by law to respond to a Credit Fraud Alert by  answering the identification questions on XX/XX/XXXX. One month later to deny my loan is a violation of my rights. Thank you for consideration of this matter.
Product: Debt collection

I noticed on my credit report that an Agency by the name of " The Bureaus " has put a collection debt on my credit report. I have sent them notices to " VALIDATE '' not " VERIFY this claim and send any VALID proof that this Debt belongs to me. They have unsuccessfully provided any Validation that I have a legal obligation to pay them any such money claimed. I have also reached out and sent notices to the 3 Credit Bureaus, XXXX, XXXX, & XXXX about reporting this false claim on my credit report as well. None of the above institutions can provide any proof that I owe this money to said Company-The Bureaus nor that I am legally obligated to pay amount claimed nor that this account belongs to me.
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 number : # XXXX  Has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish account without any written instructions 15 U.S.C 1681.c ( 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/2023, at XXXX XXXX, I deposit {$800.00} in the Wells Fargo AMT on XXXX XXXX XXXX in XXXX, Georgia. The Atm machine took my money which consisted of XXXX 's and XXXX 's dollar bills and my debit card then jammed. The machine stated on the screen that it could detail the deposit. I tried entering the amount on the screen. The screen was frozen. The Atm then went into restart mode. It never returned my money or the debit card. It did give me a receipt stating that my deposit must be verified. I took pictures of the screen also. I immediately called Wells Fargo Customer service with the phone number on my account business debit card. I explained to the customer service representative that I was depositing funds for my mortgage payment. I had already made my mortgage payment to XXXX XXXX  by check for {$1700.00}. I had cashed a check with XXXX XXXX  XXXX for {$1800.00}. The {$800.00} was the first portion of an {$1800.00} deposit. All banks are within a mile radius of each other. I repeatedly voice my concern about my mortgage check being returned. The customer service agent stated that Wells Fargo would cover all fees associated with the returned mortgage payment. Who wants their mortgage payment returned? The representative had little concern regarding my mortgage payment or {$800.00} stolen by the ATM Machine. He told me he would file a Claim. The Claim # XXXX. I knew my mortgage check would be presented the next day and it was. On XX/XX/2023, after the Atm incident, I made 2 deposits into my Wells Fargo personal Account at the Wells Fargo XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I deposited the additional {$1000.00} from the {$1800.00} XXXX XXXX  XXXX cashed check. I then returned back to XXXX XXXX  XXXX withdrawing an additional {$660.00} and adding {$40.00} from cash in my purse. I then deposit another {$700.00} into my Wells Fargo Account ensuring that my mortgage check was not returned by Wells Fargo. The next day I received a deposit in my Wells Fargo Personal account in the amount of {$100.00} from the ATM deposit. I called Wells Fargo again regarding the {$700.00} shortage. I was told it could take then 10 days to credit my account the full amount. Why should I have to wait 10 days for them to give me my money due to their faulty ATM machine? I am outraged over the handling of this situation. I used the same bank of Atm the month prior for the same situation. I deposit {$2000.00} in XXXX of XXXX. The machine appears to be new.
Product: Debt collection

I asked the two banks involved in the debt collection of their attorneys at XXXX and XXXX abut the debt and validation according to FDCPA and they failed to comply with the federal rule because they did not : gave me a validation notice to read : 1. Name and mailing information of the debt collector.-THEY DID GIVE THIS XXXX XXXX XXXX XXXX and XXXX acting for both bank of america and XXXX XXXX XXXX XXXX a Note '' they have ) 2. Name of the creditor to whom the debt is owed -the did ( Bank of America XXXX by XXXX XXXX XXXX THEY DID GIVE THIS TO US XXXX. Account number ( if any ) associated with the debt - THEY DID GIVE THIS TO US BUT WE DID NOT TAKE OUT THIS LOAN loan XXXX 4. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records - THEY FAILED TO PROVIDE SAYING WE ARE AN UNATHORIZED THIRD PARTY AND YET THEY WANT TO COLLECT FROM US??

5. The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt This notice is meant to help you identify whether you owe the debt and whether the collectors information about the debt is accurate. The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. THEY DID NOT PROVIDE THIS TO US 6. A statement that the communication is from a debt collector. THEY DID NOT PROVIDE THIS TO US, THEY ATTEMPTED TO VERIFY IN CONNECTION TO A LOAN APPLICATION WITH BANK OF AMERICA ( ATTACHED ) AND XXXX XXXX ( ATTACHED ) 7. The name and mailing information of the debt collector and the consumer THEY DID NOT PROVIDE THIS TO US BECAUSE WE ARE AN UNAUTHORIZED THIRD PARTY 8. The name of the creditor to whom the debt is owed THEY SAID IS THE " BANK OF AMERICA NOTE '' It is possible that more than one creditor will be listed THEY DID NOT GIVE ANY INFORMATION ON THIS The account number associated with the debt ( if any ) THE LOAN ACCOUNT NUMBER IS DIFFERENT FROM THE ORIGINAL " BANK OF AMERICA NOTE '' An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date ( THEY DID NOT PROVIDE The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. WE HAVE DISPUTED IT ALREADY THROUGH CFPB AND THE BANKS HAVE MY MOHTER 'S CASH IN THEIR BOOKS AND HAVE NOT PROVIDED CLEAR AND FAIR ACCOUNTING, THEY COLLECTED IN COURT
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the banks associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts since the submission of the requisite documents. 

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
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Employers : MAPLE TREE INN These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

My TCF saving account was repeatedly charged {$10.00} DORMANT FEE since XX/XX/XXXX, and recently it was charged a $ XXXX  MONTHLY MAINTENANCE FEE due to DORMANT FEE makes account balance below {$100.00}. I tried to contact TCF customer service three-times but always endless waiting time. Each time I waited over 50 minutes but still nobody answer the call. 

I opened my TCF account about 10 years ago and never heard or have DORMANT FEE in the past 9 years until XXXX. When I opened this account in XXXX, I'm pretty sure nobody notified such thing about DORMANT FEE. And since this year, TCF bank just silently charged {$10.00} DORMANT FEE every month without any notice about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX