23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the debt listed on my credit report. After reviewing my records, I have found no evidence that I owe this debt to your agency. Therefore, I do not acknowledge this debt as valid, and I believe it has been reported in error. Additionally, my privacy may have been compromised.

I kindly request that you provide proof of this debt, including any original agreements or supporting documentation, showing that I am legally obligated to pay it. If you are unable to provide this proof, I ask that you remove the entry from my credit report and cease any further collection efforts. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/1995 XXXX Account number XXXX ATTN CLAIMS DEPT The following dispute claims for DEBIT CARD Transactions have been denied by a specialist with a reason of over the 60 day time frame, according to the to investigate or prove the fraudulent activity. This resolution was not the correct resolution to this claim of multiple unauthorized charges on this account XXXX. 

I am demanding a reinvestigation with reversal of these fraudulent charges and proper documents leading to resolution or I will pursue legal action to hold you Wells Fargo at fault for violating the FCBA, I am a consumer and upon reviewing my bank statements on XX/XX/XXXX I filed a valid dispute claim finding these transactions to be fraudulent. This was the only available time I was able to review the statement to file dispute. 

Dispute claim ID- XXXX XXXX XXXX XXXX I am looking forward to resolution of this issue. Thank you.
Product: Debt collection

I have let them know the debt was being disputed with capital one, capital one had no right selling the debt without my knowledge and in dispute since 2018
Product: Credit reporting or other personal consumer reports

The creditor is reporting XXXX XXXX XXXX as late. The payment for XXXX was made on time and I confirmed with one of their representatives on the phone who told me it was made prior to being 30 days past due. This information is unlawfully being reported on my consumer report as late and as such much be corrected by law.
Product: Mortgage

I sent a letter to your company for help dated XX/XX/XXXX, because I applied a Loan Modification Reduction of Principal in XXXX to XXXX XXXX XXXX because the property decline in value and this is our primary residence.The original Principal balance in XXXX when I bought the property was {$600.00}. The Loan was transferred to Carrington Mortgage Servicing and. I initiate applying a Loan Modification Reduction of Principal I received a Monthly Bill Statement and I am making a payment of XXXX for the month of XX/XX/XXXX and for the month of XX/XX/XXXX {$1800.00}. My outstanding balance is {$330000.00} and I made a total payment of {$340000.00} based on the Statement I received from XXXX XXXX XXXX. The Market Value is {$420000.00} and instead of helping me Carrington Mortgage Services denied my application and close my file and put my property in Auction and sold my property back to XXXX XXXX XXXX XXXX XXXXXXXX and make a profit of {$88.00} XXXX and I did not get a single XXXX. 

I am asking your full and kind consideration to help me please in this matter. Please refer to my letter I sent to your company CFPB dated XXXX XXXXThank you. 

Respectfully yours XXXX XXXX XXXX
Product: Checking or savings account

Citibank recklessly and without warning froze my checking account, thereby jeopardizing my finances including automated payment of my XXXX and XXXX XXXX  premiums, condo fee, phone and internet bills, and other automated withdrawals, putting me in jeopardy of default and causing massive inconvenience and XXXX. To the best of my understanding, the reason this was done was because the " relations manager '' XXXX XXXX, of the XXXX XXXX branch, wanted information about my non-Citibank brokerage accounts. However, in the phone message she left me two days ago, which I am retaining as evidence, she said NOTHING about this and claimed she was calling to " check in '' and see if she can " provide any services ''. I am beyond dismayed that Citibank has the ability to freeze my checking account and jeopardize my credit and medical insurance because of something related to their " XXXX XXXX XXXX activities. I f this is legal it should not be, it is coercive, reckless and unethical!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and there is a credit inquiry from Cbna  that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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

Subject : Complaint Against Equifax for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Equifax to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, Equifax rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of Equifax. Enclosed with my original request were the following documents : 1. A signed and dated dispute letter outlining the inaccuracies on my credit report.

2. Copies of my credit reports from XXXX, XXXX, and Equifax highlighting the disputed items. 
3. A copy of my government-issued identification ( driver 's license ).

4. A copy of my Social Security card.

5. A recent utility bill verifying my current address.

6. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed XXXX guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that XXXX 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must
follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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: Checking or savings account

To say the least this is a very XXXX XXXX customer interactions with BOA ... over-and-over, I must exert countless man hours of my time to keep them from excessive nickle & diming of my acct..

NOW, another NSF charge ( Acct # XXXX ) that I called BOA and told them to stop the auto draft, but the person on the phone said they couldn't.. Another monthly charge in both accounts.. And from last complaint 2 weeks ago, there are.. as they admitted ... countless monthly maintenance fees that I'm being charged every month..

If these fees are to be recurring then I want the interest ( x10 repurposes ) of the money in my account that is reloaned and/or the benefits of the investments made with my deposited $ $?? I refuse to be charged when any $ $ in my account is making them money x10 or more..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with Hyundai for my leased 2020 Hyundai XXXX. Hyundai has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score.

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, Hyundai is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws.

My bankruptcy attorney attempted to resolve the issue with Hyundai, through both fax and email but Hyundai has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call on XX/XX/XXXX from customer service at Chase about a past due credit card payment. I knew nothing about the charge and never use the card. After looking into it further I found out it was an annual membership charge for Amazon XXXX for approximately {$120.00}. I explained I was never notified and actually thought the account was setup for autopay like all my other bills. I pay my credit cards in full almost every month and this was such a small amount. They could find where they set me up for online statements, had my bank account information but never completed the process for autopay. I explained that I have never missed a payment ever and have perfect credit. Right away they refunded all the charges and I paid the amount due. I asked to have my credit report fixed and they refused. The first person I spoke to indicated they sent me notices. I did not receive any mail notices and the 1st phone call was the XX/XX/XXXX but the account was past due almost 6 months at that point. I called back again to speak with a credit XXXXpecialist who again refused to correct my credit report. His exact words were " Chase is not in the practice of notifying customers when they are late ''. I believe any creditor has an obligation to notify a customer within certain time period of delinquency. 

It is obvious this was an error as you can look at my past credit and see I never missed a single payment ever on any loan or credit card. They acknowledged the error by refunding me all the late fees and interest but will not fix my credit. This is abusive behavior by a credit card company that will call you numerous time for you to open a card but can not notify you when something is wrong. I can show my phone records that they never called me once until XX/XX/XXXX.
Product: Credit card or prepaid card

It was brought to my attention by my postal carrier that a change of address had been submitted in my name on XX/XX/XXXX. Once clarified that this was fraudulently submitted, he gave me mail that was set to be forwarded. In receiving this mail, I found a Bank of America credit card that had been opened in my name. The credit card was fraudulently opened in my name on XX/XX/2022 with a credit limit of {$4000.00}. I have notified Bank of America and they have closed the account and stated that notification would be sent to credit agencies. I have filed for credit freezes at XXXX, XXXX and XXXX and also have disputed the BOA credit card on my credit report at all three agencies. XXXX XXXX XXXX XXXXXXXX  was also notified about the fraudulent change of address request, my postal carrier was going to report it to his manager and a fraud report was filed with XXXX XXXX XXXX XXXX XXXX. Lastly, the local police have been notified and I am currently waiting to complete a police report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> @ XXXX ET I received {$1600.00} from a friend on the XXXX  platform. Shortly after receiving the funds, I attempted to " Instant Transfer '' the funds to my linked debit card which failed with no details as to why. I contacted XXXX customer service via a chat option and was connected to " XXXX  '' who ( after a lengthy discussion ) advised me that there was no way to explain why the funds weren't being transferred and suggested that I try the " Standard Transfer '' which takes up to 3 business days. I advised XXXX  that this was not an option as I am due to fly to The XXXX XXXX on XX/XX/year> and I need the funds to check-in to my accommodations which is why I used XXXX in the first place. I asked XXXX if i was able to send the funds to someone else to withdraw and she advised that I could. After ending the chat, I attempted to transfer the funds to my wife 's XXXX which failed and to my PayPal account which also failed. After logging out of the XXXX app to charge my phone, I attempted to login to XXXX on my computer and received an error message saying " Something went wrong. Try again later or contact customer support. '' I now am unable to move MY MONEY and I can't even login.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 01  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : 12  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX . XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Money transfer, virtual currency, or money service

Used Wise for money transfer. AFTER the transfer was initiated and money was taken from my account, they wanted extra personal information which the receiving party did not want to disclose ( date of birth, etc ). So Wise cancelled my wire and now they have yet to return my money to me. 
Their app also shows no issue with the transfer and that it is still in process to receiving party. Only additional information given about it being cancelled is if I call them.
Product: Payday loan, title loan, or personal loan

This was transferred to Westlake from XXXX. They do not have permission to report on my credit. It is a medical installment account. I called repeatedly to update the card as the online account wont let me change the reoccurring payments and I was not able to.
Product: Vehicle loan or lease

HANS CAPITAL GROUP have not reported my payment history in a whole year, the last update was XXXX of XXXX its currently XXXX of XXXX its slowing I have a outstanding balance of XXXX I have tried reaching out to them on multiple occasion but none of there numbers associated with that company works. 

My current balance as of today ( XX/XX/XXXX ) is XXXX according to XXXX XXXX XXXX base out of Texas. 
you can reach them @ XXXX email : XXXX my very first payment with was XXXX XXXX with amount of XXXX
Product: Mortgage

My mortgage payments with Loancare LLC were made on time as well as extra payments to loancare because they claimed that my payments are being returned due to insufficient funds by my bank. I have had my bank, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX verify, double verify and triple verify that the funds are being received by loancare and have provided the transaction ID numbers for each transaction. 

I have called loancare on almost a daily basis for the past 6 months and during the last phone conversation with the customer service representative, he informed us ( my father and I ) that the error was on their part. 

Since then, I have made one payment to loancare on XX/XX/2022 before its due date which would have been XXXX the XXXX 2022. They are saying that they have not received the payment either. 

They have investigated this matter every month that I have called to straighten this out and yet it continues to happen. Right now there are thousands of dollars of mortgage payments that loancare has not applied to my account. Needless to say, this has caused an extreme amount of stress because they have threatened foreclosure. The funds have not been returned to my account with XXXX nor was I charged any returned fees by them, This has destroyed my credit as well as my fathers credit because he is the cosigner on the loan. It has destroyed the relationship between the two of us because he feels that the error is on my part. 

This is not fair to me at all. I am a XXXX XXXX  With sever XXXX and this matter during the past half a year has sent me into really dark places. Loancare began harassing me claiming that I am in default and began sending people to my house knocking on my door and ringing my doorbell scaring my XXXX XXXX XXXX XXXX  son in the house because we are not expecting anyone and it happens in the early morning!. This has happened on more than one occasion!

I am paying my mortgage and have been since day one of this loan. I have attached documents of my bank statements with the transaction ID numbers for your viewing. 
I am reaching out because they are jeopardizing my home and my family. If I am sending them money electronically every month and can show proof that they are receiving it yet its not being applied towards my mortgage, isn't that considered wire fraud? How is loancare able to get away with this? 
I will also be forwarding this to the North Carolina State Attorney Generals Office as well as the Federal Trade Commission and the Banking Authority of the state of North Carolina. 

If you look at the screenshot from loancare that i have attached, you will see the date that shows when the next payment is due. Today 's date is XXXX the XXXX. They cant even keep their own website right or updated properly. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XX/XX/2023 I sent a letter certified mail to inform them of their violations and my rights.
Product: Debt collection

The amount reported on my Experian credit report for the balance owed for District at XXXX is incorrect. I have a move out statement from the apartments with the correct amount owed.
Product: Debt collection

Creditor refused to remove charge-off after paying the debt due to their XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX agreed to delete a debt off my credit report due to natural disaster of Covid XXXX virus / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So XXXX removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX XXXX XXXX XXXXSprings Oaks Capital Llc are refusing to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking the law
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TOWER - TOWER XXXX SANTANDER - XXXX
Product: Checking or savings account

I started a debit card claim with citi bank in XXXX I have sense sent them all the information to process the claim. As of XX/XX/2020 I have not received a temporary credit or anti formation on the status of my claim.