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

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

On XX/XX/year> I sold a car and took the Release of Liability to the XXXX, XXXX  DMV.. On XX/XX/year> the new owner gave the keys to his XXXX  grandmother who was pulled over and cited for talking on her cell phone. The car was impounded. I received a lien letter from the towing company ( XXXXXXXX XXXX XXXX ) in XXXX, XXXX. A year later I received a collection letter from Lien Enforcement , Inc. in XXXX, XXXX  stating that I owed {$3500.00} for towing and storage. The towing company stated that the documentation from the XXXX  DMV named me as the registered owner : period, end of subject. They would not consider that the car had a new owner. I called Lien Enforcement , Inc. and they would not budge either, and stated that the Release of Liability that I mailed them was not stamped by the XXXX  DMV. This morning I got the local DMV to produce a stamped copy of the Release of Liability. If this affects my excellent credit, I will sue Lien Enforcement , Inc . I am a XXXX XXXX XXXX XXXX  woman who I'm sure they think they can bully into making payments on this fraudulent debt.
Product: Credit reporting or other personal consumer reports

this is my fourth dispute NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX  I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated pith initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Credit Reporting Act ). I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If i do not receive a satisfactory response within this timeframe. I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address on file for me. 

Account name : XXXX XXXX Account # XXXX
Product: Checking or savings account

I tried opening an account with Navy Federal and I couldnt because it was already opened without my consent this all started in 2021. They said I owe them but I never opened any accounts with them.
Product: Debt collection

- I sent a Correspondence to XXXX XXXX XXXX, dated XXXX. It was regarding a request for validation of alleged file # XXXX, per the FDCPA 15 U.S. Code 1692g & 12 CFR1006.34, In addition to violating 18 U.S. Code 1028A ( Aggravated Identity Theft. I also invoked my Consumer Rights under 15 U.S. Code 1692c ( c ) to Cease and Desist. 
- Also sent XXXX XXXX XXXX an affidavit of truth for 15 U.S. Code 1692 violations and enclosed an invoice for {$4000.00} ( USD ) for violations of my Consumer Rights.
Product: Checking or savings account

I ordered a product offline and was then informed that I could not use it. I immediately tried to call and cancel and send emails but the company would not answer my calls or emails. I then filed a dispute with Chime, my bank at that time. After I filed the dispute the company I ordered from finally answered me telling me it was too late to cancel and that the order had shipped but if I rejected the package or returned it within 60 days they would refund my money. I returned the product as instructed and sent the tracking number to the company to get my money refunded. Once they received their product back they told me it was a dispute and I needed to call my bank. They said that Chime had done a charge back and showed me documentation of this. Chime had given me temporary credit for the refund and now they have reversed it and charged my account {$410.00}. So I sent them the proof of the returned product as well as the correspondence from the company guaranteeing a refund but they refuse to give me my money back. They have sent documentation stating the reason for refusing to pay me was the I did not return the product as requested and this is completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit card or prepaid card

I have been trying to make a payment for my Sony XXXX XXXXard issued by Comenity Bank for the last week. The website is down and the customer service phone number are not responding.
Product: Credit card or prepaid card

I recieved an pre-approval offer for Discover It in the mail. I called to see what I was really approved and the agent told me yes! I applied and was declined. I called in to several different people for help and they told me they apologized but they cant help me get the negative credit reporting removed from my credit for Discover.
Product: Money transfer, virtual currency, or money service

I received a job on XXXX to be a XXXX XXXX. The person asked me to drop my number so we could further talk about the position. They started off by giving me tasks. Creating vendor lists on XXXX. They then sent me a check for a deposit. These would be used to buy supplies. The check didnt go through so they asked me if I had other ways to pay. They said they would pay me back the following week and it would go on top of my salary. I didnt trust it, but I still sent the money anyways on XX/XX/2021 because I thought Id be able to just file a report and get it back. I had sent a total of {$2000.00} to them and I never got it paid back to me. They didnt respond to my texts after that or my calls.
Product: Debt collection

I was a victim of identity theft and never opened this account with capital one
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, TransUnion and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
XXXX : XXXX  ACCOUNT # : XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX TRANSUNION XXXX / XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX TRANSUNION XXXX XXXX XXXX via TRANSUNION XXXX IN XXXX XXXX  XXXX XXXX via TRANSUNION XXXXXXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX via 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 OPENED XX/XX/XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a notice of a change to my credit report. When logging into my account I found that there was a collection action on my account without my having been notified by the bill collector that they alleged a debt to be owed by me. They did not send a letter for me to dispute the alleged debt before putting it on my credit report. A " Certified Mail XXXX  # XXXX '' letter was sent to company, So far I have not heard from them. The company is : CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Debt collection

Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.
Product: Credit reporting or other personal consumer reports

Ive been with XXXX XXXX for almost XXXX  years. When I purchased my car my agent recommended the XXXX XXXX bank so I refinanced my car through XXXX XXXX bank for a better interest rate. All was fine until XXXX XXXX bank was bought out by a 3rd party company called XXXX, XXXX. Last XX/XX/year>, I made a payment and something happened and my payment was reversed. I didnt not know anything happened to my payment until I go a notification of a change to my credit report and that my credit score went down XXXX points. I contacted the company and they stated that sometimes they send out robot calls. I said would they have at least left a voicemail because this was around tax time and unless a voicemail was left people are skeptical of answering XXXX number phone calls. She stated that it depended on if the robot caught the voicemail right it would have left a message. I did not receive any voicemail. So no point of contact was made, no voicemail, no email or a letter in the mail. So instead of reaching out to a customer they reported it with not contact. I have had this loan for XXXX years at this point. I always make payments on time and never have had a negative thing hit my credit and this cost me XXXX points. That was a little extreme. I filed a dispute through experian as well as the consumer financial to no avail. I am just wanting the company to take this off my credit since the lack of communication is what resulted in the payment being late. Had I been contacted I could have figured out what happened with my bank and made sure it was paid. Its not fair that my credit to a hit due to not communication on the companies end. Fast forward, I have spoke with the company and filed numerous disputes. However, the last dispute I received a letter stating that the payment was taken out on XX/XX/year> and it resulted in an NSF. I pulled my bank statements and on XX/XX/year> it shows as of that date I had money in my account. If their information is correct I am not sure why there was a problem with my bank since their was money in my account. I received no phone call, letter or email informing me of the payment being mess up. I had the loan for almost XXXX year at this point and payments had been made every month. 

I have attached the letter I received from the company as well as my bank statement including dates from XXXX.
Product: Vehicle loan or lease

I paid the presentment and I requested the payoff letter and I never received the payoff letter and the vehicle was illegally repossessed the vehicle.This is XXXX and I request they validate the debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thanks
Product: Credit reporting or other personal consumer reports

Received and alert today regarding my former car loan. It was reported to experian as derogatory - XXXX  XXXX XXXX XXXX. the company was paid in full from the dealership. They intentionally tanked my credit score. They never even sent me paperwork regarding the closure of my account which is federal law. The also put on their that it was a gov/insurance claim to which I did not file neither of those nor did they.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded Transunion verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX****,
Product: Mortgage

I signed paperwork from XXXX XXXX at m & t bank about changing my portfolio to lower my interest rate on XX/XX/2020. I signed everything that I was supposed to as I read about lower interest rates and was told a refinance wouldn't make sense as I didn't have anything to put with it but a change of portfolio would be better. The paperwork I signed had the effective date of XX/XX/2020 I have contacted the bank multiple times about being overcharged they stole money from me, as I have automatic payments for my mortgage coming out bi-weekly. They then sent me another set of paper work contradicting the previous paper work I signed having a higher interest rate and payment amount with effective date of XX/XX/2020 I contacted the bank and have been getting the run around. I have never missed a payment or been late in the XXXX I've had a mortgage I'm actually 4yrs ahead on my XXXX mortgage. XXXX XXXX threw her hands in the air when I called and complained about still being overcharged saying not her problem it's the mortgage department 's problem. In the meantime I've been overcharged twice and will probably be overcharged again on XX/XX/2020 I have spent hours on the phone with them, emailing them, and even going to the bank wasting my time, gas, money. Now they are saying if they are wrong there going to apply the extra money they stole from me and apply it to the principal of that loan like it's their money to decide how to spend it? I never gave them permission to take more then the actual payment and because they decided to steal from me it cost me some interest aswell on that account. I have all the paperwork and proof of this, I even took the contradicting paperwork to the branch and I spoke with XXXX who said she doesn't understand why they would do that and would look into what XXXX XXXX is doing. I'm still being overcharged which is illegal per cfpb and, fdcpa which I informed them I have to know these laws for my job aswell as others. I have been made to feel like I'm making this up and it never happened when I have the proof. I've been made to feel like I'm lying, and it's ok for the bank to steal from me. I put my money in the bank to keep it safe and the company that's supposed to protect my money is stealing. They only have wanted to argue with me when I call and speak with the mortgage department, the only people that have been helpful is XXXX and XXXX at the m & t branch in arcade who have said this isn't right and they have to get it up to higher people to fix this. However when the higher up people have contacted me via phone they say they haven't done anything wrong and are doing nothing to fix the problem.
Product: Checking or savings account

On XX/XX/2022, I returned a rental vehicle after hours to XXXX XXXX XXXX. Immediately after, the truck was stolen and missing for XXXX days then recovered by XXXX. As a result of this, XXXX charged an additonal {$2400.00} to my Capitol One bank account. I had also purchased the waiver that protected me from theft and " loss of use '' charges. During the XXXX  days the vehicle was missing, XXXX made NO attempt to contact me regarding the vehicle being overdue. I had no knowledge of this incident until a XXXX tow truck driver called me on the XXXX to inquire about the missing keys. 

I filed a dispute with Capitol One ( twice ) but because XXXX provided a fabricated receipt, they did NOT reverse the charge. 

I also contacted local authorities in regards to the theft but because the vehicle was not in my possession at the time of the incident, I could not file a report. XXXX would have to do it and they have refused. 

XXXX has also refused to honor the waiver I purchased because I did not make arrangements with the location for the after hours drop off. XXXX considered this a violation of the terms and conditions and voided the waiver. However, XXXX also made it *impossible* for me to follow through on this because I made MULTIPLE attempts to contact the location over the course of XXXX days and no one ever answered. Their neglect was the reason my waiver was voided. 

I followed all of XXXX 's posted instructions for an after hours drop off. The vehicle had no evidence of a break in so its clear the keys were still able to be removed from the drop box ( which had clear evidence of tampering ). Their security systems were also not functional at the time of the incident so there was no way to see exactly who took the keys/vehicle or when. Or to even prove I returned it at all. 

As a consumer, I find this situation to be completely unfair. XXXX 's inability to maintain a secure premesis and neglect of a business phone is not my fault. I should not be the one paying for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.