23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i made several transaction disputes to hope to resolve and recover my money. The amounts were {$35.00}, {$15.00}, {$15.00}, & {$100.00} on XXXX XXXX. I informed the company it was an unauthorized transaction because they didnt have money options to choose from. I am a victim of a scam from XXXX XXXX XXXX company if thats who it really was, for a fast turn around investment. I never received the investment & they kept asking for more money. The result from all my disputes were denied. Its not right nor fair to the victims to not be able to recover their money & letting the scammers win & steal money.
Product: Money transfer, virtual currency, or money service

I am writing in response to your recent communication regarding my complaint. As previously stated in my initial complaint, Ithe consumerwas under the belief that my account was closed, and I have confirmed that I have had no access to the associated information since XXXX Your actions in accepting money to this account, which I was led to believe was closed, are illegal. It is crucial to understand that accepting funds to an account that was supposed to be closed without my knowledge or consent is not only a breach of trust but also constitutes an unlawful act. If there were attempts to collect the funds via legitimate means such as communication or collection services, those actions were never properly executed. Instead, going behind my back to execute a savings account transfer to this closed account is illegal and amounts to theft. As I have clearly stated, you are not entitled to the funds you are refusing to return. I am requesting the immediate return of the {$100.00}, which does not belong to you, as it was wrongfully taken. Your continued refusal to return these funds and your attempts to justify keeping them are unjustifiable. Furthermore, the account is already in collections, and once an account is in this status, any additional attempts to collect funds through unauthorized means are prohibited. You do not have the right to retain these funds, and I demand that you return them without further delay. If I do not receive a resolution to this matter promptly, I will be forced to seek legal representation to recover my funds. I trust this will not be necessary and that you will take the appropriate action to rectify this situation. Sincerely, XXXX XXXX XXXX / XXXX XXXX Checking acct ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and Experian and XXXX XXXX cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. XXXX tells me they are reporting and Experian tells me they have not. Experian even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Debt collection

On XX/XX/2021, I received a notification from XXXX  regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.
Product: Debt collection

Wells fargo is suing a naive person like me who debt was discharged three years ago, my brother XXXX XXXX who is a XXXX patient is also suffering more and has got more sick because of this frivolous lawsuit by Wells fargo. 

I never received summons and complaints at my address ( Please see attached ), a bogus, fake proof of service has been provided to the court ( XXXX XXXX courthouse : Case No. XXXX ) just to get a default judgment against me, these methods are being adopted by Wells Fargo to extort innocent people like me. 

I came to know about the case just recently when one of my family was casually checking cases on XXXX XXXX court 's website. 

Wells fargo is a blood XXXX, money hungry greedy bank who just wants to make money by hook or by crook.
Product: Checking or savings account

Citi Bank has been rearranging my transactions so my account goes into the negatives and I lose out on money. This is the third time this has happened and now Im getting sick of it. I got paid {$1800.00} from my job on XXXX XX/XX/2022. I made purchases on this day at a couple of stores. Why is it that when these transactions posted they Are being posted before my check and showing me a negative balance. THEN none of my transactions are showing they posted on the same day the purchase was made. I have transactions that were made on XXXX XX/XX/2022 and showing it posted on XXXX XX/XX/2022. This does not make any sense. I only spend what I have. I have lost out on a {$200.00} XXXX  because of what they did to my account. Now I feel like they are literally stealing my money. Once you spend money on your account it automatically comes out of your account so how the XXXX am I spending money but my account is in the negative. It doesnt make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with Capital One and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as Paid/Settled Charge Off this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by Capital One that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.
Product: Debt collection

Dear LVNV Funding LLC, I am writing to formally notify you, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), that I am requesting that you immediately cease all communications with me regarding the alleged debt referenced in your previous correspondence.

As provided by 15 USC 1692c ( c ), I am exercising my right to request that you cease further contact with me in regard to this matter. Specifically, I request that you refrain from making any further telephone calls, letters, or other forms of communication with me, whether directly or through any third party, regarding this debt.

Please be advised that continued contact after this request may be deemed a violation of the FDCPA and could subject your agency to legal action.

Furthermore, I request that any future communication be limited strictly to written correspondence sent to my address listed above, and only if required by law. 

If you continue to contact me after this notice, I will take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX, attempting to collect a debt allegedly owed to XXXX XXXX in the amount of {$8100.00}. 

On XX/XX/XXXX, I formally disputed the debt via certified mail and requested full validation, including : Proof that XXXX & XXXX had the legal authority to collect the debt. 
A detailed breakdown of charges and how the amount was calculated. 
Documentation showing the legal transfer of the debt, if applicable. 

XXXX XXXX XXXX XXXX XXXX XXXX never responded to my dispute and instead, without validation, transferred the alleged debt to Columbia Debt Recovery LLC XXXX XXXX  XXXX ). 

On XX/XX/XXXX, I received a collection notice from Columbia Debt Recovery LLC, attempting to collect {$7100.00} for the same alleged debt. 

On XX/XX/XXXX, I sent a new formal dispute letter via USPS Certified Mail ( Tracking # XXXX ) to Columbia Debt Recovery, demanding proper validation before any further collection attempts. This letter was delivered on XX/XX/XXXX. 

Under FDCPA 15 U.S.C. 1692g ( b ), a debt collector must cease collection activity until they provide proper validation of the debt. However, Columbia ignored my dispute and instead : XX/XX/XXXX Columbia Debt Recovery continued collection efforts without validating the debt, in violation of FDCPA 15 U.S.C. 1692g ( b ).

January 20, 2025 Columbia Debt Recovery responded to my dispute, but only provided : A copy of my lease agreement with Society XXXX ( which does not prove that I owe the alleged balance ). 
An itemized statement with excessive and unverified charges. 
XX/XX/XXXX I sent a follow-up email requesting proper validation, including : Proof that Columbia Debt Recovery has the legal authority to collect this debt. 
Evidence that XXXX & XXXX had the right to transfer this debt. 
Invoices, receipts, or documentation justifying the balance. 
Columbia Debt Recovery ignored my follow-up email. 

XX/XX/XXXX Columbia Debt Recovery placed the debt ( {$7200.00} ) on my credit report despite never validating the debt, causing a significant drop in my credit score.
Product: Credit reporting or other personal consumer reports

My identity has been stolen. My personal information somehow has been leaked and I have unauthorized accounts on my credit report. Please help me, I have attached my ftc report. This is really stressful for me
Product: Credit card or prepaid card

I have filled out a complaint with American Express for a charge made that I never received. I submitted the dispute on XX/XX/XXXX and the customer service agent from Amex said that contacted the merchant the day I made the dispute. It has been over 20 days and absolutley no progress has been made. I have submitted the documents they asked for and everything. Amex says on their own website that the merchant has 20 days to respond. It has been over 24 days and STILL they have not issued a chargeback. 

I have complained to Amex customer service, managers on the phone and NONE of them have even looked at anything I sent. The last person I spoke to said she was just now seeing the documents and the dispute itself. Then when I brought up the issue of it being over 20 days with no response from the merchant ... .she claimed they just contacted the merchant a day earlier ... .THREE WEEKS AFTER I MADE THE DISPUTE. This is contrary to what every other customer service agent stated. 

I also received a letter from Amex that said I had until XX/XX/XXXX to write a letter explaining my dispute. The letter was datedXX/XX/XXXX but only arrived at my house onXX/XX/XXXX ... .three weeks after it was supposedley mailed. I see no reason to have to mail anything when I have been on the phone for the better part of two weeks explaining and repeating myself to whoever I speak to from Amex. I have provided the documentation, XXXX is not responding to anyone, and I have to have close to {$10000.00} sitting idle for two months? This is extremely unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access credit reports online through equifax and XXXX. In addition to that unable to do online disputes.
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 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern my student loans that i paid off show up on my credit file on XX/XX/XXXX but not XX/XX/XXXX or equifax. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX card of my cousins i am a authorized user on that has still not been updated to my credit report.
Product: Credit card

I am writing to provide details regarding my account with XXXX, listed under **Account Number : XXXX. According to my credit report, the account has a reported balance of ** $ XXXX and a status of **PAYS_AS_AGREED, ** with an available credit of **- $ XXXX. 

Recently, I discovered that this account has been closed by the company without any explanation or reason provided. I am concerned about the closure and would like to understand why it occurred. Despite the account 's status, I am willing to make payments to settle this balance ; however, I would appreciate clarity on the reason for the closure. 

Additionally, I am requesting the company consider offering a very low payment plan to facilitate the repayment process, allowing me to resolve this matter while ensuring that the account can be removed from my credit report. 

Thank you for your attention to this issue.
Product: Credit card

Subject : Credit Card Application Reconsideration - Reference Number XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to kindly request you to reconsider the recent decision regarding my credit card application, reference number XXXX, which was unfortunately declined due to the reason stated as " too many inquiries ''. Upon receiving the decision, I felt compelled to provide some context which I believe might alter the perception of my creditworthiness. 

Firstly, I would like to clarify that the inquiries mentioned were solely for the purpose of refinancing my student loan, and not for obtaining multiple lines of credit. There were indeed only two inquiries in the past year, both integral to the refinancing process, which was undertaken to secure a more favorable interest rate and improve my overall financial standing.

It's paramount for me to highlight my existing relationship with Bank of America, which I deeply value and wish to expand upon. Currently, I hold two auto loans with your esteemed institution, and recently, I had the privilege to open a private wealth management account, maintaining a balance of {$6.00} XXXX. This, I believe, is a testament to my financial stability and trust in your financial instruments and services. My FICO score stands at an excellent XXXX, further underscoring my commitment to maintaining a solid credit history. 

Given the above factors, I genuinely believe that the decision to decline my credit card application may not fully reflect my financial situation and my longstanding relationship with the bank. The addition of a credit card from Bank of America to my portfolio would not only strengthen our banking relationship but also provide me with a streamlined financial management tool that complements my current and future banking needs. 

Therefore, I respectfully request that you review my application again, taking into consideration the information provided about the purpose behind the inquiries and my longstanding, robust relationship with Bank of America. I am fully open to providing any additional information or documentation that might be required for a reassessment of my application. 

I sincerely appreciate your time and consideration in revisiting my application. I am hopeful for a favorable response and look forward to further enhancing my relationship with Bank of America. 

Should you need to reach me for further discussion or require any clarifications, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and understanding. 

Warmest regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in reference to an account that is currently being reported by XXXXXXXX XXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report. 

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law.

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I havent received any investigation results.
Product: Checking or savings account

I've been with Wells Fargo for 9 years or so, but I'm going to another bank. It's a culmination of constant problems from losing money ( my funds disappearing basically ). For example, I had a balance of about {$50.00} ] yesterday. today its {$180.00} The transfer I made was the only transaction, it's not correct. 
I know wells Fargo owes me alot that's disappeared over time, I need assistance with what to do next.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts previously and have not received dispute results or methods of verification. My consumer rights have been violated multiple times for years now. There aren't remarks on my report that indicate XXXX of the accounts had been disputed. I have received results of my dispute nor have I received the method of verification. It has been well over XXXX  days since I originally disputed these accounts.
Product: Credit card

I donated to XXXX XXXX on XXXX XXXX XXXX in the amount of {$100.00}, They took the XXXX and also charge {$330000.00} that same day. I called my credit card company ( Citi Bank ) and they issued another card and started an investigation The result of that investigation was that they refused to reverse the {$3300.00} charge, I have been going back and forth with this company to no avail. This charge was NOT authorized by me and I should not have to pay it.I am now receiving collection calls regarding this amount. Please help.
Product: Vehicle loan or lease

I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore. 
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me. 

After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan. 

After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem. 

Thanks