23daVinci/CFPB_Complaints huggingface dataset:
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 {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

XXXX XXXX XXXX Carriage XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX Report Date : XX/XX/XXXX Account # : XXXX To Whom It May Concern, I am writing to formally dispute the collection account listed under Monterey Collection Services related to Career Step on my XXXX credit report. This account is invalid and inaccurate for the following reasons : XXXX. The Career Step medical assistant program I enrolled in has been the subject of legal action due to fraudulent and deceptive practices. 
XXXX. I did not receive the services I was promised, and the program failed to meet any educational standards. 
XXXX. As part of a settlement, I received a refund check in the amount of {$420.00}, acknowledging the deceptive nature of the program. 
XXXX. I should not be held responsible for paying any balance for services that were never properly delivered and tied to an organization now under legal scrutiny. 

Attached are : A copy of the refund check I received Any documentation regarding the lawsuit or settlement A summary of my enrollment and issue with Career Step I request that this account be immediately removed from my credit report under the Fair Credit Reporting Act ( FCRA ) guidelines. Continuing to report this debt is inaccurate and misleading, and failure to remove it will leave me no choice but to pursue further legal action. 

Please confirm in writing that this item has been deleted from my credit file. You may contact me via email or mail if additional information is needed. 

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

Experian XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a XXXX  which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only 3 things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my XXXX credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX  and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these XXXX illegal items removed. 

XX/XX/XXXX Please remove these illegal items off my report. I have no clue why this process has taken so long. This is ridiculous and unfair. As you can see my score has beyond trending in the right direction. The above mentioned items please remove off my report!!
Product: Student loan

I asked for some deferment or forbearance for my private student loans while I am serving in the XXXX XXXX but they say they can not defer for more than 6 months.
Product: Credit reporting

Transunion fail to delete a negative account older than 7 years. Moreover, the account has been sold and the statement from TransUnion determines the account is been verify but has been sold according to the original source.
Product: Credit card or prepaid card

I began receiving items back which I had attempted to return, with a form letter stating it had been determined that the items were unreturnable due to extensive wear/use. I immediately called to contest this, seeing as the returned items had been either subpar quality, or unworn with tags still attached. I reached out to the corporate office and was informed that " several people '' had followed up on the situation and determined a " concerning '' history and that no re-investigation of the non-returnable items would be considered. I was also informed that it had been determined that " our business relationship was to be terminated '', though I was still responsible for the outstanding balance on the account, even though I was no longer able to dispute my returns. The return policy clearly states there is no time limit on returns, there is no explicit mention of returnable item criteria, that the times be unworn, etc. I clearly stated in my letter that the sudden influx of returns was due to several hospitalizations that rendered me unable to try on items and process the returns. It was presented to me that I somehow abused the return policy and was therefor prohibited from further returns as well as unable to contest the appropriateness of past returns, and that no money would be refunded to my account. I was told that I would no longer be able to make purchases from XXXX, despite the fact I had just been sent a platinum credit card with an increased credit limit and a letter thanking me for my loyalty to the brand. I repeatedly asked for proof of the " excessive wear '' and other alleged abuse of the items and was told I did not have access to that information. I have the items in my possession, tags attached, and am unable to wear the items due to sizing. I should not have to pay for items that I am unable to use. My account has been closed yet I was told I was responsible for all outstanding balances, even though I am being denied the opportunity for returns. 

I feel I should not be held responsible for an outstanding balance without being given the same rights of other cardholders to return items for refund when indicated.
Product: Checking or savings account

Its been unpleasant and upsetting journey dealing with Bank of America hands down this has got to be the worse financial institution Ive ever experienced. On XXXX I submitted a complaint followed by dates of XXXX, XXXX, regarding stolen funds for my account. Not only did they not fully refund what was stolen from my account they also went over the 60 day deadline of having to have this matter resolved. In addition to that they also shut down my account with them for no particular merit. Calling almost everyday after the 60 day deadline they had to reach with no answer or resolution on the Monday following thanks giving I was told by the agent on this matter XXXX that they came to a decision of refunding {$4600.00} and that {$3100.00} unfortunately, we determined there wasnt an error on the following transactions. I spoke to XXXX on XXXX the day before XXXX  and also XXXX which come to find out they started refunding the account on XXXX the same day I spoke to her and also the day after. I wasnt told the decision until that following Monday. They stated that unfortunately they determined there wasnt no mistake for the {$3100.00} when all of this is connected. This was all one claim from the beginning for {$7800.00} stolen out of my account. It makes zero sense clearly they just pick and choose on how to refund what they want. It is now XXXX I havent yet to receive the payment because they said they sent it to a different address and that I would have to wait 180 days to receive a new check. I even asked to walk into a branch to collect my funds/property they denied. I then asked can they express send it via XXXX or XXXX which they also denied. Now Im told I have to wait 180 if that check does not get to me. I will not get my local news involved in this matter if I am not returned my full amount of {$7800.00}. If they refuse I will also involve an attorney.
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX from CBE group stating that I owe {$130.00} for an account that was original under the XXXX XXXX XXXX. I do not owe this debt, my financial obligation has been satisfied with the University. I am not responsible for this debt nor do I owe it. I received an email from the XXXX XXXX XXXX on XX/XX/XXXX thanking me for meeting my financial obligation with the University and also stating that I can  order transcripts and my degree is on its way.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Product: Mortgage

This issue has been with the CFPB many times ( numeral time ) and hopefully this time I 'm requesting a Federal Investigation do to the fact, th at PENNYMAC has  submitted fraudulent documentation to the UNITED STATES BANKRUPTCY COURT  XXXX  DISTRICT OF FLORIDA, this it 's not only criminal offense, but it 's attempts to the defraud the UNITED STATES, UNITED STAT ES DEPT OF TRESAURY, HUD, OCC AND  MANY ORDERS.   IN addition under the STATE OF FLORIDA AND UNITED ST ATES AMERICAN BAR ASSOCIATION AND FLORIDA BA, , ITS A CLEAR VALIDATION OF FLORIDA  RULE 4-3.3 CAN DOR TOWARD THE TRIBUNAL.
Product: Checking or savings account

To Whom It May Concern, I am writing in response to Wells Fargos written reply concerning my attempt to open a business account for TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, at the XXXX XXXX XXXX. While I understand and respect the importance of compliance with federal regulations, I strongly dispute the conclusions drawn and the treatment I received during this interaction.

1.Unfair Treatment and Inconsistent Application of Policies : Your response alleges that the physical address I provided is associated with another business entitya coin laundromat. However, your internal review fails to acknowledge that my business operates from that address under a shared-use arrangement, a common practice among independent entrepreneurs. I was not given a reasonable opportunity to present further clarification or documentation before being dismissed.

2.Improper Assumptions Without Reasonable Accommodations : No lawful inquiry was made as to whether I had a business relationship with the address or if it was part of a legally permissible co-tenancy. The refusal to accept my explanation or seek additional documentation constitutes a failure to make reasonable accommodation or engage in good-faith verification, as is customarily extended to other applicants.

3.Discriminatory Impact : The abrupt denial of service and the refusal to complete my account application without offering reasonable options or next stepsdespite my willingness to provide supplementary proofraises concerns under Title VI of the Civil Rights Act and the Equal Credit Opportunity Act ( ECOA ), which prohibit discriminatory practices in financial services, particularly against minority business owners. I request a full investigation into whether similarly situated applicants were afforded the same level of scrutiny.
Product: Mortgage

To Mr. Cooper Loan XXXX Complaint : Failure to adhere to U S Bankruptsy Court directives. Failure to provide the financial stability required by the bankruptsy Plan. Failure to apply funds according to Payor check directives. Failure to manage loan accounts in a responsible manner. Failure to distribute funds  accurately to Fannie Mae. Failure to manage suspense accounts in a responsible manner. Failure to make comprehensive corrections and adjustments when processing errors are present. Failure to follow Mr. Cooper issued account directives. Failure to follow the Fair Debt Collection Practices Act. 

The details to each of the above allegations are available upon request from the Payee when an Account Manager given the authority to process account changes is assigned to this loan case, and calls XXXX. 

Thank you XXXX XXXX
Product: Checking or savings account

First of all I was left a voice message this last friday by this numberXXXX-XXXXextXXXX so I did attempt to reach this individual 3 times leaving a message he said I needed to respond by XX/XX/2019 so on monday I attempted to call him again and on his voice mail it now states he would not be in the office until XX/XX/2019 I did leave a message asking him why he was saying I needed to respond by XX/XX/2019 when he clearly had stated on his voice message he would not be in untill XX/XX/2019 and would not have access to his messages once again Bank of America has many inconsistencies and as a customer this was a on going problem I told them you record your calls so go back and listen to what conversations your bankers have with consumers and management to and honor your word to consumers you cant tell customers one thing and do another I also had specifically asked bank of America to stop a buisness from debiting my account they had assured me that no worries because my account was on close status again they allowed it to happen im so upset with everything they have done to me and the way I was treated by them it has impacted me bad especially me not having my medication for over a week because of them and the way I was treated like I was never worthy of there time I sent them numorous emails complaining and they did not care when I made a statement saying you have a choice you can release my funds and a supervisor said to me yes we are choosing not to that is horrible and when they finally did I received a letter stating my credits were permanent and the case was closed so I was right the whole time and it was there banker who had told me to esculate my claim because of my health
Product: Credit reporting or other personal consumer reports

My credit score has not improved very much even though I have a long credit history, ( XXXX ) years. I make weekly payments on my credit cards, my credit usage is always under 30 %, and I never make late payments.. I have had my credit score drop at times for no justified reason at all without explanation. My score should be in excess of XXXX, if the credit reporting agencies along with the credit card companies were reporting my information accurately I am requesting the CFPB do a thorough, and address my concerns fully. Thanks in advance...
Product: Debt collection

I was charged by XXXX XXXX apartments XXXX for a floor that i did not damage. It was in violation of our rental agreement for them to send the debt to collections with out doing a final walk through or advising me that they where pursuing the debt. Despite me disputing the account with the collection agency and the credit bureau their has not been an investigation. XXXX XXXX apartments can not provide anything to prove the debt only that i lived their.
Product: Checking or savings account

Having issues opening account at any banks saying overdraft abuse and i have already reimburse those overdraft i need this issue fix to help me open an account please. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be correct this time : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I setup auto pay to make a {$250.00} payment on a balance of over XXXX. BoA instead drafted from my personal checking account the entire XXXX at another bank. I called over two weeks ago and they claimed to reverse the process but have yet to do so. I was initially told XXXX business days but that hasn't happened. I was then told XXXX days and it still hasn't happened. There is no pending deposit or modification to the BoA credit card showing the new balance. The bank is keeping my funds and is required to return it. Don't trust BoA or what customer service informs you.
Product: Credit card

I keep getting spam scam emails from destiny card. I tried blocking, reporting as spam but I get a ton of misleading scam mail from them every day
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED! 

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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 XXXX XXXX XXXX. 

and list of Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX 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 XXXX 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.