23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received foreclosure papers from a law firm with a breakdown of monies they are saying I owe. I have repeatedly requested a breakdown of how payments were made and who the payments were made to because there are monies that I paid that are not applied anywhere. Proof of this a {$540.00} credit they list as unapplied funds. I have no idea where these funds were to be applied, was this a payment not applied to my loan adding to the deliquency? I have repeatedly requested original statements which I never received.I have requested to see the original mortgage note I signed because I do not believe that is the note I signed. I have received no response as to my requests I have not received any of the information I am entitled to yet they want to take my house. This has been going on for 6 years and is still not settled all they do is keep transfering the mortgage from one company to another and I have to start all over again with my requests. This is typical XXXX behaviour along with the foreclosure mill attorney who continually breaks the law with these foreclosures bullying people.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Name : XXXX XXXX XXXX XXXX XXXX 


This request is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct.

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data.

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.
Product: Credit card or prepaid card

I have had a credit card account in good standing with Wells Fargo ( since it was Wachovia ~XX/XX/XXXX ). I also had a checking account that was linked to the credit card account for overdraft protection. I decided to close the checking account in XX/XX/XXXX, while both accounts were in good standing with a XXXX  balance. I spoke to a Wells Fargo representative on the phone in XX/XX/XXXX & he said he would take care of closing the account. I got a " confirmation '' email that suggested I look for correspondence regarding my recent call in the Message Center on Wells Fargo 's website. The Message Center was empty, but I did not think anything of it at the time. I did not check back, thinking the checking account had been closed as communicated. Meanwhile, I left the credit card account open to maintain 17-18 years of good standing on that credit account. However, the checking account was never closed. Further, it needed a minimum balance, so the credit card pulled money into it each time it reached below the minimum & charged interest on itself, while adding additional late fees & overdraft fees. I was not making these charges, nor had I authorized them since I thought the checking account was closed. When I realized, around XX/XX/XXXX, that this had been happening, I disputed it. My account had been in good standing until that point. They opened case after case, didn't call me back, " understood '' & said they would " take care of it '' over the phone, then closed the case unfavorably without talking to me, saying I owed the money for the self-perpetuating, unauthorized charges. Each time, I was on the phone with them, they would say it was a miscommunication & would be able to take care of it. Then I would never hear from them after they opened a case & I would receive a closed case resolution letter saying I owed all the money. I kept trying to fight it & wait for them to call me back as they said they would. In XX/XX/XXXX, they did a charge back on my account. I was in good standing with them for 17-18 years. There was no reason for me not to be able to pay a ~ {$150.00} credit card bill, but it wasn't mine to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$500.00} written off. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Checking or savings account

Back on XX/XX/2010 I deposited {$100000.00} into account # XXXX with XXXX XXXX XXXX on XX/XX/2010 I took a passbook loan against that account in the amount of {$30000.00} ( which they deposited {$40000.00} ) into Savings Account # XXXX. I never received a passbook for these funds. They Bank kept it as collateral. I never received any information with respect to the {$60000.00} that was left in account # XXXX, I thought all the money was kept in the same account. Over the years, XXXX XXXX merged into XXXX XXXX XXXXXXXX XXXX and then merged into M & T Bank. Recently I went to the bank with a question regarding my balance as it did not seem right and was working with them to try and find the {$60000.00}. I was told by a teller at the bank that on the same date as XX/XX/2010 there was an account opened for {$600.00} which I think was the {$60000.00} but was a typo on their part and that account was closed ( not by me ) I am now being told that I have to prove to the Bank that I did not take the money out- which I did not and therefore would have no proof of. I was told that their bank records go back 7 years and they have no record of this.
Product: Credit card

On XX/XX/XXXX I was hacked by my landlord with the permission of XXXX XXXX. My checking was hacked on XX/XX/XXXX XXXX.When I noticed that I got locked out of my online account I contacted Capital One to find out why. The CSR associate told me that I got locked out due to suspicious activity that they noticed on my account. I confirmed that my email and phone were hacked with XXXX 's consent. My checking was immediately closed and I was issued a new card. Not only was my checking compromised but in XXXX my credit card payments started being returned and this never occurred since I had the credit card since XXXX. I've never had Any problems with making payments on time which is the XXXX of every month. When I was no longer employed because I work seasonally due to the XXXX I have. I started to pay the $ XXXX minimum every time and on time. The bank or the hacker started returning my credit card payments in XXXX XXXX. I've never had any payments returned up to when the hacking incident occurred and I can prove it. It always went through in a day or XXXX. On XX/XX/XXXX I contacted Capital One about the payments being returned and that I was certain that this was linked to me being currently hacked. I requested that my account be closed and asked that a new card be mailed to me. The CSR rep said that she would send me a new card and the old account would be immediately closed. A couple days later Capital One sent me a letter acknowledging my concern and told me the account was closed. They have since increased my payments due to the alleged non payments and they have denied the fact that it was I who requested to have the account closed. They have put fraudulent information on my credit report such as payment amounts and have brought my credit XXXX points lower from what it was. Which I will and have attempted to dispute with XXXX. I am concerned that this is going to be an ongoing issue with Capital One. An issue of having my payments returned as they have been doing for the last XXXX months. I can prove everything I have just stated in a court of law. Capital One has added injury to insult by penalizing a victim of illegal criminal hacking by my landlord and XXXX XXXX. I would like them to remove the fraudulent statements they've placed on my credit and to reimburse my credit rating back to what it was before this criminal incidence.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau Subject : Complaint against Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Toyota Motor Credit regarding their refusal to offer an extension to my account despite my vehicle being in the shop for over a month without repair by the manufacturer. This unfair practice has significantly affected my credit score, and I seek your assistance in resolving this issue. 

My vehicle, covered under the manufacturer 's warranty, has been experiencing serious safety concerns. Due to these issues, I have left my vehicle at an authorized Toyota repair shop for an extended period. Unfortunately, the manufacturer has been unable to obtain the necessary parts in a timely manner, causing significant delays in the repair process. 

In order to protect my consumer rights, I have filed a lemon law buyback claim with the Virginia State Attorney General 's Office and Lexus Corporate Office, the parent company of Toyota. These actions were necessary to address the ongoing safety and quality issues with my vehicle. 

Given the uncertain timeline for the resolution of my lemon law buyback claim, it is unfair for Toyota Motor Credit to refuse a temporary extension to my account. It is unjust for a customer to be held responsible for making payments on a vehicle that is currently deemed unsafe to drive, especially when the manufacturer is unable to promptly provide the necessary repairs. 

I urgently request your intervention in this matter. I implore Toyota Motor Credit to immediately defer the upcoming 3-4 months ' payments until a final decision is made regarding the buyback claim. This will prevent further damage to my credit score and ensure that I am not burdened with financial obligations for a vehicle that can not be safely operated due to the manufacturer 's inability to obtain necessary parts in a timely manner. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and work towards a fair resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. If you require any additional information or documents. 

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

Personal Statement Personal Statement Personal Statement Personal Statement THESE INQUIRIES WERE UNAUTHORIZED AND I AM A VICTIM OF IDENTITY THEFT -XXXX XXXX XXXX XXXXXXXX -SXXXX 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
Product: Credit reporting or other personal consumer reports

I've been participating in the dispute process with XXXX since 2019. XXXX has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. XXXX refused to provide me a copy of the free XXXX Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's been several investigations, and XXXX has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. XXXX  XXXX is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to XXXX, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.
Product: Debt collection

Portfolio Recovery Associates has been and is knowingly reporting false information and using false threats of imminent lawsuits to attempt to collect a debt. 

I began receiving threatening phone calls on multiple phone numbers belonging to myself, my XXXX parents, and my girlfriend, where Portfolio Recovery Associate 's employees were stating an attorney had reviewed my file and a lawsuit was going to be filed in XXXX XXXX county, where I resided. As these were mainly left as voicemails with no identifying information, it scared and intimidated my family and I. I began incessantly checking the court docket to see who might be trying to sue me. I was n't aware of any pending litigation and had not received any type of written communication. My XXXX mother is still afraid someone is going to sue one of us due to these calls and voicemails that she received as well. I retrieved my credit report and found XXXX accounts listed from Portfolio Recovery Associates. I was alerted to the CFPB investigation and realized I was a victim as well. 

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. Apparently they bought XXXX accounts, XXXX from XXXX XXXX and XXXX from XXXX XXXX and have continued to falsely report themselves as a factoring account company which they are not and they list a past due balance, but I 've never entered into any contract with Portfolio Recovery. How can I be late? The account numbers are partially listed on my credit report as XXXX and XXXX. This is a collection account that is not being reported as such and is further negatively affecting my credit report and score due to this company 's false reporting. I 've attached a screenshot of my credit report showing I have no collections, but yet Portfolio Recovery remains due to their false reporting. 

In addition, they are inflating the amount owed to show an amount higher than what was reported by the original creditor as shown in the attached screenshots. They are also falsely reaging the account, reporting a date of first delinquency that is much later than actual, forcing this to stay on my credit reports longer than it should. I 've attached the payment history reported by the original creditor, showing a much earlier first delinquency. 

Portfolio Recovery Associates has made my life a living nightmare, with the threatening phone calls, and intentionally reporting inaccurate information to essentially poison my credit report. They 've never even mailed me a dunning notice so their sole intention is using aggressively deceptive, illegal tactics. 

We are looking to purchase our first home and this is severely hindering the process and causing a great deal of XXXX. We have a small child with XXXX plus XXXX and need this to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : 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
Product: Credit card

I received a promotional email to sign up for an Ally Bank credit card on XX/XX/XXXX and opened the card XX/XX/XXXX. The promo offer stated that if I spent {$500.00} within 90 days of opening the card I would receive a {$200.00} bonus. It said I would get the bonus within 30 days after spending {$500.00}. I spent {$500.00} on XX/XX/XXXX so I should have revived it by XX/XX/XXXX, I did not so I called them on XX/XX/XXXX and spend an hour on the phone being bounced between Ally credit card and Ally bank account, both of them did not want to take accountability for the issue. I finally was able to have them open a case number and was told I would be contacted by email within 24 hours. 2 days later on XX/XX/XXXX I did not receive an email so I called and was sent back and forth between Ally credit card and Ally bank. They hung up on me twice and after an hour of asking to speak to a supervisor they hung up on me. I called again and they just told me I could submit a complaint but they did not solve my issue. 

It has been over 2 weeks since I should have received my offer so they are false advertising. They refuse to take accountability or help me receive my bonus offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit report : Item # XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  ( XXXX ) In accordance with the FCRA Convergent 15 USC 1681 Section 602 A states have the right to privacy.

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

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1400.00}, {$2900.00}, {$3700.00}, {$4700.00}, {$2500.00}, {$5200.00}, {$2200.00}, {$2300.00}, {$5700.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- STUDENT LOANS 4. U S DEPT OF EDXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

5. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

7. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

10. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

11. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX account # XXXX and XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at XXXX XXXX XXXX