23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  XXXX which has been assigned to XXXX XXXX XXXX XXXX I am not liable for this debt, and I do not have a contractual agreement with XXXX XXXX XXXX authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation XXXX XXXX XXXX must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX lawfully transferred or sold this debt to XXXX XXXX XXXX. 
Credit Reporting Correction If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated.

Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I received an unsolicited debit card from Capital One in the mail. I did not open this account. I called Capital One and they told me the checking account was opened on XX/XX/23 and they had my correct SSN, address, birth date, and email address. I have freezes on all of my credit agency accounts and was unaware that bank accounts are not subject to credit agency verification. Is there a way to flag my SSN so that no such accounts can be opened?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX finance has continued to refuse to correct their inaccurate reporting to XXXX, Equifax, and XXXX XXXX although they are reporting status is current. I am not disputing the time or when I made those payments as that is my payment EXPERIENCE which is my private EXPERIENCE making a transaction between ME and XXXX XXXXXXXX XXXX XXXX which I did not give permission to share my EXPERIENCE with the above mentioned XXXX  parties. Furthermore, despite having been charged late fees to bring the account CURRENT by which payments are no longer XXXX or any days late but they continue to refuse to correct accounts to " PAID AS AGREED '' as it should be because it is " PAID AS AGREED or else I wouldn't still have physical possession of the vehicle. Account is Recorded and Reflects CURRENT so all moths should be CURRENT as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXXcount Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 Consent
Product: Payday loan, title loan, personal loan, or advance loan

I have sent these screenshots to the company as proof my XXXX payment was paid yet they still say it's delinquent
Product: Credit reporting

My name is XXXX not XXXX I did n't know that person
Product: Debt collection

Ive sent letters and even went as far as too involve the three credit reporting bureaus for an investigation into this account and they all have verified it as accurate but they are all reporting different information. Correct the amount and send proof that I owe this debt. You are reporting different charges with different amounts and dates and claiming its all accurate. The account is closed and yet the balance keeps going up and I havent received a statement of what these charges are. I havent received a statement from this company at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX  XXXX XXXX  ( XXXX ), and the charge off account from XXXX XXXX ( XXXX ). I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.

I am demanding that this account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid an account in full with Comenity Bank for XXXX credit card after experiencing a few later payments due to hospitalization from covid-19. When we paid the account in full the creditor agreed to remove the lates they reported to all three credit bureaus due to our extenuating circumstances related to covid-19 because we had a great payment history prior to these events. The bank has still not removed the late payments as they agreed even though we paid the account in full as we agreed and we would like to have this remedied as soon as possible.
Product: Debt collection

Collections for {$92.00}, I dont know where that came from.
Product: Credit reporting or other personal consumer reports

My vehicle was paid off on XX/XX/year> and since then two collection agencies has been reported to my account and I got those removed and now a 3rd agency is on my credit report for the same vehicle. They didnt resolve this issue without a contract, signature, payment history, also without correct make and model of the vehicle. I would like for the XXXX XXXX XXXX  XXXX removed from my credit report because I never did no business with this company.
Product: Mortgage

On XX/XX/XXXXXXXX XXXX  my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX to BSI Financial Services. I received a delinquent tax bill from XXXX XXXX ( where I live ) for {$4100.00} which includes the quarterly tax ( {$4000.00} ) plus interest of ( {$63.00} calculated out to XXXX XXXXXXXX XXXX.  I first called BSI Financial Services on XXXX XXXXXXXX XXXX to inform them that the taxes hadn't been paid. I also spoke to my Township tax collector who said that they need XXXX  to send them something in writing so that they can send future bills to them directly. XXXX told me they don't have direct contact with counties. Some counties send them a tax bill and some don't. They said they didn't have the block and lot number for my property which they use to determine the tax amount online. I therefore sent the delinquent tax notice to XXXX on XXXX XXXXXXXX XXXX  which contains the block and lot number and sent a copy of the mortgage transfer letter to the Township. I also contacted XXXX XXXX so that they could update their mortgagee clause with the new lender. I opened up an account online with XXXX  so that I could monitor whether they made the tax disbursement. I sent a follow up email on XXXX XXXXXXXX XXXX asking if they received my XXXX XXXXXXXX XXXX email. On XXXX XXXXXXXX XXXX, I sent another email asking if they would consider discontinuing the escrow option so that I could pay the tax and insurance bills myself ( no response ). On XX/XX/XXXXXXXX XXXX I called XXXX XXXX again and asked them to pay the delinquent tax bill that day. The woman told me the tax bill would be paid that week ( i.e. by XX/XX/XXXXXXXX XXXX ) but probably not that day. She said it takes 6 weeks from the date of transfer for all parts of the loan to transfer and escrow comes last. She acknowledged that transfer started on XX/XX/XXXXXXXX XXXX and that this " fell through the cracks ''. I told her this was very stressful for me and that that the taxes need to be paid immediately. She said she would call me to let me know when they paid the taxes. Today is XX/XX/XXXX XXXX XXXX and the property taxes still have not been paid. The amount due today is {$4100.00}. I emailed XXXX the preliminary tax bill for XXXX on XX/XX/XXXX so that they know the future tax billing dates and amounts. 

I am an only parent to a XXXX XXXX child and have a very high credit score. I pay all of my bills in full each month. I had no control over the transfer of my mortgage to XXXX XXXX. Losing my house would be an extreme loss for me and my child as I have acted in good faith with both lenders and have never missed a payment. My child receives XXXX XXXX from the Township school district and would suffer if I have to move to another house or if I lose our house. I have a stable job and fully expect to be able to pay off the remainder of the loan. The amount in my escrow account is {$8300.00} and I am about to pay them an additional {$1400.00} this month with the monthly mortgage payment. At this point, I don't have any reason to trust that they will service this loan responsibly. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Checking or savings account

in XXXX, 2023, i ordered a blender from XXXX. the total charge was approximately {$180.00} and change. the item i received had been opened and used. it was dirty and had fingerprints on it. i contacted the company who sent me a return label and said they'd send out a replacement immediately. i followed their instructions and returned the used blender, and heard nothing from the company for weeks. my followup emails were ignored. i contacted them the last week of XXXX to tell them not to send a replacement unit, to just refund me for the unit i had returned, and received an automated message back that my email address was unauthorized and my email had been blocked. the company kept my money. when i try to click the link to view the return label with the tracking information, it says it's invalid, so i can no longer view it. I'm certain they have access to it but they won't respond to me. i followed up with my bank and gave them all the details. yesterday, XXXX, i received an email from my bank asking to send more information by XXXX or my claim would be denied. i wrote back immediately asking what additional information they needed from me because i didn't understand what to send. they did not respond. this morning, i received an email that they denied my claim and so the company is keeping my money, which they essentially stole, since they have the defective blender back and never sent me a replacement and have ignored my countless messages. they have no phone number. when i tried to file a complaint with the better business bureau using their claimed address, i was told it's not a permanent address and that the company doesn't have a permanent presence in their state. i have absolutely no idea what to do but XXXX stole my money and my bank won't help. please help me.
Product: Checking or savings account

In XX/XX/year>, Bank of America closed my accounts ending in XXXX : # XXXX. XXXX : # XXXX. XXXX : # XXXX and they don't give me an explanation about my funds and they don't return them to me.
Product: Debt collection

A medical account was opened after theft of my identity. AR Resources , Inc. illegally obtained this account with private health information and is also attempting to collect an alleged debt from me that I do not owe. This is false and misleading representation because I have never contracted with AR Resources , Inc. nor did I provide location information to this third party debt collector to contact me directly or indirectly. They have threatened to harm my personal reputation by illegally reporting this inaccurate and invalidated information to consumer reporting agencies if the alleged debt remains unpaid. AR Resources , Inc is in violation of my rights as a federally protected consumer.
Product: Credit reporting

I filed a dispute through my XXXX XXXX account. It was sent to XXXX and was removed from my credit report but it was n't removed on my Equifax report. This open account is still on my Equifax and I 'm not understanding why. I also have other information that is a typo and my longest employer is not listed. And I have tried to file a separate dispute through Equifax but it keeps telling me that my personal information is not the same as they have but I know it is. I am told to fax my drivers license, etc.. in first. Why do I have to go through all this? I can provide a file # if needed. I hope the case # I provided is the same as a file #.
Product: Payday loan, title loan, personal loan, or advance loan

I've requested may times for the 1099 c. The company in return in retaliation against me and changed the profile on all credit reporting agencies stating inaccurate information and changed every month to charge off every day for 2 years straight that is inaccurate and against fair credit reporting laws. also, much more inaccurate information on report please delete from credit reports Please send me the 1099c on this account. if this demand is not met the next is for me too, Im about to sue u for statutory damages and actual damages for reporting incorrectly to my credit reports.im filing with the IRS for fraud. and a full investigation on this company
Product: Credit reporting or other personal consumer reports

Genesis Credit Management ( XXXX ) XXXX XXXXXXXX XXXX Subject : Dispute Regarding Violations of 15 U.S. Code 1681o ( Negligent Noncompliance ) To Whom It May Concern, I am writing to formally dispute and bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. This matter concerns inaccurate or improperly handled information on my credit report, which has caused undue harm and financial distress.

Upon reviewing my credit report, I noticed [ describe the inaccurate information, e.g., incorrect account details, fraudulent accounts, outdated negative items ]. I previously contacted your organization on [ date of prior communication ] and provided all necessary documentation to support my claim, yet the issue remains unresolved.

Under the FCRA, you are required to take reasonable steps to ensure the accuracy and proper handling of consumer information. Your failure to do so constitutes negligent noncompliance, for which I may seek damages as prescribed under 15 U.S. Code 1681o.

To resolve this matter, I formally request : A thorough investigation into the inaccurate information and immediate correction or removal of the disputed item ( s ). 

Written confirmation of the resolution within 30 days, as required by the FCRA. 

Compensation for any damages incurred due to your negligent handling of my credit information, as permitted under federal law. 

Please consider this letter as a formal notice of dispute and a potential precursor to legal action should this matter not be resolved promptly. I expect your immediate attention to this issue and a written response detailing the actions taken to rectify this matter. 

If I do not receive a satisfactory resolution within the legally allotted timeframe, I will be forced to explore further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages. 

Please direct all future correspondence regarding this matter to me at the address provided above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently opened a Citi Priority online checking account since their website advertised unlimited USD domestic wire transfers. However I've spent the past two weeks trying to send out a single wire transfer of XXXX to XXXX XXXX  and my wire transfer keeps getting cancelled even though I am constantly calling Citibank to make sure it gets submitted. 

I get an email asking me to call in to give additional information, so I call the number given and the customer support agent says to wait and that there is no more required information. I receive no more communication until the next day I get an email saying my wire transfer was cancelled. 

It is wrong of Citi to advertise unlimited USD wire transfers yet when I contact them constantly over the past two weeks to get a single wire transfer sent out it always gets cancelled. My wire transfer has been cancelled 4 times already
Product: Prepaid card

I called customer service on XXXX/XXXX/15 to report an unauthorized transaction to my permanent XXXX visa XXXX prepaid visa card. The transaction was for XXXX from XXXX. I WAS TOLD THAT I WAS CURRENTLY UNABLE TO DISPUTE THE TRANSACTION. THAT I WOULD NEED TO CONTACT THEM IN A WEEK OR SO ONCE THE TRANSACTION HAD CLEARED MY ACCOUNT. THEY ALSO SUGGESTED THAT I BLOCK MY CARD. I STATED THAT I NEEDED TO GO TO THE ATM MACHINE AND REMOVE MY MONEY AND THAT I WOULD CALL BACK ONCE I HAD DONE SO TO BLOCK THE CARD. I ARRIVED AT THE ATM MACHINE TO REMOVE MY FUNDS AND MY CARD HAD BEEN BLOCKED. I PLACED A SECOND CALL AND WAS INFORMED SORRY YOU HAVE NO MONEY WE WILL MAIL YOU A NEW CARD. SO NOT ONLY AM I NOT ABLE TO DISPUTE A FRAUDLENT TRANSACTION BUT I HAVE NO MONEY. I WAS INFORMED BY THE ESCALATION DESK TO GO TO A LOCAL CHURCH FOR MONEY OR FOOD AND TO PUT GAS IN MY CAR OR TO BARROW FROM A TRUSTED FRIEND, OR GO TO A CHECK CASHING PLACE. SO HOW CAN THEY BLOCK MY CARD FOR FRAUD IF THEY WONT ALLOW ME TO DISPUTE THE TRANSACTION TILL THE FRAUDULANT PEOPLE ALREADY HAVE MY MONEY. THEN THE FRAUD PROCESS TAKES 14 BUSINESS DAYS AND NO GUARENTEE THAT THEY WILL RULE IN MY FAVOR OR GIVE MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXXXXXX XXXX inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from XXXX XXXX  on XX/XX/2022 that i have no clue what for. And another from US Bank that falsely ran my credit. I have also called them and they state there is nothing they can do.
Product: Mortgage

I have my mortgage ( loan # XXXX ) with The Money Source Inc and contacted them to request a forbearance due to hardship during this coronavirus situation. I would like a three month break on my payments, and for those three months to be added to the back end of my mortgage. I emailed my request and then spoke with XXXX XXXX, VP Customer Service, XXXX Ex.XXXX. She explained that the company is only offering a waiver of three months payments and then all FOUR months payments are due on the same day. This is not what the President and Congress set up for us with the Federal Relief Act. If we could make that huge payment we wouldn't be asking for this temporary relief.
Product: Credit card or prepaid card

I bought a prepaid visa card netspend at XXXX. On XX/XX/2019 I put XXXX dollars on card to give to my daughter for school trip to wisconsin we were not able to activate card. I had to buy another prepaid card at XXXX XXXX the next day to send with her for her trip. Its now XX/XX/XXXX. We still can not use card. I tried to take it back to XXXX but they said we had to call company. I have made several phone calls to company. Been disconnected multiple times and placed on hold for about an hour each time when I finaly got through I Was told it would take a month to get this authorized.. They are asking for me to send copies of my ss card birth certificate dl. I paid for this card I have receipt to prove I paid for this card and I have purchase prepaid cards in it usally takes a half hour to get card activated I have never ever experienced this before. No where on card does it states will take a month to activate. So basically they stole XXXX dollars from me and i cant get it back. Im not a rich person and I could of used this to pay for my electric bill. I do.not need my money back a month from now and frankly there is no guarantee that if I do everything they ask me to that I will get it back I beleive they stole my money and are using every excuse they can not to give it back to me. I cant afford to wait a month I need to be able to access my money now. That is what I paid for. The. Card im having issue is is netspend visa. Thank you for your help in this matter