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

I am writing to dispute inaccurate and unverified accounts listed on my credit report as of [ Date of Report ]. Under XXXX XXXX. XXXX, I request that you investigate and verify the following accounts. If these accounts can not be verified within 30 days, they must be removed from my credit file under XXXX XXXX. XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX is reporting an account with the number XXXX. This account is not valid unless proper verification is provided. I request that you obtain full documentation from the furnisher to confirm the accuracy of this account. If the debt collector can not validate the debt, this account must be deleted immediately. 

XXXX XXXX XXXX is reporting an account under the number XXXX. I dispute the accuracy of this account and request an investigation into its validity. This includes obtaining proof that the debt was legally transferred, that the reporting is accurate, and that I am legally responsible for the debt. If proper documentation can not be provided, this account must be removed. 

XXXX XXXX XXXX has reported XXXX separate accounts, XXXX under XXXX and another under XXXX. I dispute the accuracy of these accounts and require proof of their validity. If these debts can not be verified, they must be removed from my credit file in compliance with XXXX XXXX. XXXX ( a ) ( XXXX ). 

I request that you investigate these matters thoroughly and provide me with written confirmation of the results. If any of these debts are verified, I require detailed documentation showing the verification process and the original creditors records. Additionally, if any accounts are corrected or removed, I request an updated credit report reflecting these changes. 

If you fail to properly investigate and remove unverified accounts, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. Additionally, I reserve the right to pursue legal action for violations of the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ). 

Please keep in mind under XXXXXXXX XXXX XXXXXXXX, debt collectors are required to provide : A copy of the original creditor agreement bearing my signature. 
A complete itemized statement detailing the principal, interest, fees, and payments applied. 
Proof that they are legally authorized to collect this debt. 
Documentation of the full chain of assignment if the debt was purchased. 
If they can not verify the validity of these debts, you must cease collection activity and delete the accounts from my credit report immediately under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
Please send all correspondence regarding this matter to my address listed above. 

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

XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a 3rd party debt validation letter to WAKEFIELD & ASSOCIATES requesting any contractual agreement between me and their agency and to this date NO proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$730.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), WAKEFIELD & ASSOCIATES has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit report as pursuant to 15 U.S.C section 1681b.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from US Auto in XXXX, FL and kept my payments up to date. On XX/XX/XXXX, a motorcyclist tried to fit between myself and another car at a high rate of speed and had to drop his bike. It flew up underneath my car causing approximately {$11000.00} in damage and my car was determined to be totaled on XX/XX/XXXX. 

My personal insurance company, XXXX XXXX, paid their portion for the car and now own the totaled car. I had called US Auto on XX/XX/XXXX and I let them know I was involved in an accident. I called again on XX/XX/XXXX to inform them that the car was totaled, and, to my surprise, I was transferred to Westlake Portfolio Management. I received an email on XX/XX/XXXX stating that US Auto is no longer in business as of XX/XX/XXXX. This means I should have been able to make contact with someone at US Auto from XX/XX/XXXX through XX/XX/XXXX, and I was not able to reach anyone except Westlake Portfolio Management ( WPM ). 

I began working with WPM to get my GAP insurance paid and my warranty cancelled. They had told me that they do not work with warranties and GAP just total loan amounts. I eventually found out that US Auto did not make any payments to the Warranty company since XX/XX/XXXX. And my policy was cancelled as of XX/XX/XXXX. The total amount of the warranty price was {$2900.00} plus any interest on this amount. 

The GAP insurance paid a very minimal amount due to being overcharged for the car. I now have {$3500.00} remaining to pay and I have not been able to get another car, as I am still making payments on a car I no longer have. 

I have continued to pay my payments to WPM since the date of the accident in a timely matter, with the exception of the last payment that arranged to be paid 9 days late. 

PLEASE NOTE : A portion of the matter has been resolved with the warranty company.
Product: Debt collection

I have a problem between PayPal and XXXX XXXX, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through Paypal with my XXXX XXXX  credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked PAYPAL AND XXXX XXXX  a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then XXXX XXXX  sent me the money back and paypal as well ( they both gave me back {$500.00} ), when XXXX XXXX saw that I had received twice the refund money for my disputes for the same transaction, XXXX THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the XXXX XXXX  statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, PAYPAL sent {$500.00} twice to the XXXX XXXX  ( that is, to my credit card account ), and now PAYPAL is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE XXXX XXXX TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT XXXX XXXX  CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO PAYPAL???? THEY SAID ME THAT THEY SENT IT TO PAYPAL???? BUT PAYPAL is saying that THEY DON'T HAVE THE MONEY THAT XXXX XXXX  SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO PAYPAL IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that XXXX XXXX  HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND XXXX XXXX TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE XXXX TOOK THE MONEY TO SEND IT TO PAYPAL AND NOW PAYPAL IS CHARGING ME THE MONEY. 
SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS.
Product: Debt collection

Collection Bureau Inc. 
XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX XX/XX/18 This collection bureau did not verify amounts owed to them before suing. If they had they would have found I owed nothing to the client they were trying to collect for. I contacted them to resolve the issue only to be transferred to their " Law Office '' who again tried to state there was an amount owed. I informed them I called the debtor to verify amount owed prior to contacting them. At that time their representative from their law office was very rude. 

I have also received several harassing calls from this collection agency which I do believe is a violation of FDCPA.
Product: Credit card

Amex refuses to honor sign up bonus. 
My wife and I both signed up for the american express XXXX card with the XXXX bonus pts after spending {$750.00}. My wife got hers no problem, but mine never posted so i opened an investigation several months ago. Each time I spoke or chat, they told me different reasons. XXXX of the rep was claiming that I am not qualified for the bonus due to having other Amex product but I do not find that statement anywhere in the Terms and conditions. 
I understand they honors a sign up bonus once in a lifetime par product however, I never had XXXX credit card before. 
My wife also has several other Amex credit cards but received her XXXX bonus without any problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have called all customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to all XXXX credit bureaus, asking them to verify the debts below. 

XXXX XXXX {$410.00}. 
XXXX XXXX XXXX {$1800.00}. 
XXXX XXXX {$880.00}. 
XXXX XXXX XXXX {$1300.00}. 

I demanded that they provide me with all the documents pertaining to these debts to verify accuracy and the legitimacy of these collection items. The response that I received to this, was simply Verified. They did not provide me with any information as to how such conclusions was reached. 

On XX/XX/2022, I sent a second letter to each credit bureau, demanding that they provide me with the original contract, from the original merchant, that shows the original balance. The credit report agencies have not been able to provide this information to me, and yet refuse to rectify the information they are reporting under the FCRA 609/611 provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has fraudulently and erroneously reported me, XXXX XXXX XXXX, to Chex Systems, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where XXXX XXXX  received this information. I do have a current checking account with XXXX XXXX, I opened with my wife, XXXX XXXX XXXX, about 10 to 12  years ago, which is still open and in good standing, this is the only account I have ever had and still have with XXXX XXXX. I called there Customer Service, XXXX line today at XXXX XXXX  and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau, which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX
Product: Checking or savings account

On Wednesday XX/XX/2024 I was led to believe I was applying for a {$2000.00} loan. I was sent a verification code to access my online account and the so called company said that in order to get a loan they had taxes that needed to be paid but not from me that they would send the funds and I scan this barcode to have the funds deposited in my account. The comapny name said XXXX out of Texas and that Texas had taxes. Not really knowing how a loan worked I done this only to find out I was scammed and it was a XXXX XXXX. When checking my account I realized the money was taken out not put in and this so called company told me it was a glitch in the system and they could fix it. When I called Wells Fargo Claims department which is my bank they said that I verbally gave permission for this not even considering that I didn't ask for money to be taken out my account and they should clearly see that it was some sort of scam beings 2 transactions were made one in the amount of {$750.00} and one for {$950.00} that I have never done anything like this before and telling them I was scammed resulted in nothing On Saturday XX/XX/2024 a little after XXXX I received a phone call from scammer saying they would reimburse my {$750.00} and my {$950.00} to my account. Said his supervisor put the papers on his desk and so he made the phone call to tell me I would be reimbursed and didn't need to do anything. I again called Wells Fargo to let them know the new information and it still resulted in nothing.
Product: Checking or savings account

I was banking with us bank. I had a deposit go through my checking account on Friday. On Saturday the following day I went to XXXX and got items and groceries totaling {$150.00}. My card was declined and I walked out of the store with nothing in hand. Two weeks later I was balancing my checkbook and my statement showed the bank had taken out {$150.00} for a charge at XXXX for that same time my card was declined and I walked out empty. I immediately called the bank and they couldnt explain. I went to XXXX and they checked their records for the day before and three days after and they did NOT show any record of a charge for {$150.00}. The supervisor even wrote a letter saying there was never a charge of {$150.00}.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has a bank account on my credit report with credit reporting agencies that I dont OWN and DID NOT OPEN labeled as CHECK FRAUD on my report. Which is a negative mark on my credit and is violation to the fair credit reporting act because I did not open this account OR ever OWNED A Navy Federal Bank account and navy federal or XXXX XXXX can not and have refused to validate this account belongs to me which is violation of my fair credit reporting act. Navy federal & XXXX XXXX refuse to remove this negative remark off my credit and refuse to show validation of evidence that the alleged account belongs to me when it doesnt. I have sent a letter to XXXX XXXX and navy federal credit union themselves asking for this negative mark to be removed they are refusing to do show. I have asked for names, addresses, job positions to whom XXXX XXXX has spoken to about the alleged account from the bank validating the claim which they have not shown me. Neither XXXX XXXX or navy federal have shown my signature on a contract to back up their claim the alleged bank account belong to me this is violation.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint regarding credit lines opened that I didnt give authorization for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a collection account from  XXXX   XXXX   XXXX   XXXX  in the amount of {$35.00}. I have contacted  XXXX   XXXX   XXXX   XXXX  and resolved the account directly with them as documented by the attached proof of payment. I subsequently disputed the account with Equifax, however, Equifax continues to report the account with a balance.
Product: Money transfers

I have received a payment of  XXXX   XXXX  from  XXXX  's central bank (  XXXX   XXXX  ) which was credited to my  XXXX    XXXX   account. The transaction came short of the missing {$38.00} which were routed through a  XXXX    XXXX   in  XXXX  an d Wells Fargo in the US.    The client informed me that they sent out the full amount however the information received from  Wells Fargo ( below )  missing following info :  1  ) the amount received and sent out to Chase bank in Illin ois 2 ) Th e fees and commissions charged b y Wells Fargo.    Question : why the transaction was structured to result in MAXIMUM amount of fees and why the fees were not disclosed as required by law.       XXXX   XXXX   VIA :  XXXX   XXXX   XXXX ,  XXXX    XXXX   :   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  IL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  (  XXXX  )  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  SSN :  XXXX  TRN :  XXXX  Incoming wire transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Money transfer, virtual currency, or money service

CAPITAL ONE BANK HAS BEEN CONTACT SEVERAL TIMES FOR AN EXPLATNON OF WHY THEY WILL NOT RETURN THE AMOUNT OF {$100000.00}. THEY DEAL IN BAD FAITH AND HAVE BASICALLY STOLEN THE MONEY. 

THE ACCOUT TO WHICH THE FUNDS WERE WIRED HAS REQUESTED THE RETURN FO THE FUNDS SEVERAL TIMES AND THEY SAY THEY WILL. THE FUNDS ARE IN THE ACCOUNT, WHICH CAPITAL ONE BANK CLOSED -- DEBANKED THE OWNERE BUT WILL NOT RETURN THE FUNDS. 
WHAT IS THE REASON FOR THE DEBANK IS NONE OF THE BUSINESS OF THIS CORPORATION. 

CAPITAL ONE BANK HAS ALREADY BEEN ACCUSED OF MISLEADING AND FRAUDING CUSTOMERS.
Product: Vehicle loan or lease

I have a car loan that originated on XX/XX/XXXX. The loan was for XXXX months. It is XX/XX/XXXX. The payments remaining on the app which I use to make payments every month says I have XXXX payments left when I should only have XXXX payments left. The are outrageous late fees that were not applied from car payment I made to cover late charges but Im assuming thats what keeps pushing my payment out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately. 
Below is a summary of the data in which I am challenging :
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX