23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance.

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing.

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX
Product: Debt collection

Collection agency Name : Transworld System Inc.

Collection agency address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom this may concern, Your company said 1 allegedly owe you money. 1 will " PAY '' under one condition if you can provide : 1.Validation of the debt -- that is, the actual accounting 2.Verification of a signed Invoice.

3.A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. ' Kind Regards XXXX XXXX
Product: Debt collection

Subject : Formal Consumer Dispute Regarding CAPITAL ONE AUTO FINANCE. 

To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by CAPITAL ONE AUTO FINANCE on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law. 
2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ). 
4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations.

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of the Auto Loan Account : Remove this account from my credit report as it was reported unlawfully. 
XXXX. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law. 
3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within XXXX days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received a call from a number on XXXX  XX/XX/XXXX requesting I call a number back for the XXXX XXXX department, with no callback number provided. Later, today on XX/XX/XXXX I receive an email noting that XXXX of my accounts was restricted and I needed to give XXXX a call to verify information. I also received a text message today. When I called the number on the back of my card, I was told my all of my accounts, including accounts that were not in this notice, were already shut down and refused to give me more information on this when I asked or when I should receive the approximately {$XXXX} that were on the accounts. My account is in good standing, with regular deposits and transactions. I did not break any policies or behave in any suspicious manner.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Transunion is reporting medical debt on my credit report that is now against California state law & federal law. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my job during covid 19 and now I'm behind on my mortgage
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Deletion of Illegal reporting of Canceled Debt ACCOUNTS : I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights.

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit. 

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 


XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.
Product: Debt collection

They just sent me a bill for XXXX bucks and said I had to provide them with proof of insurance during that time frame. I called them and asked for the original acceptance of the policy. I do not know how they signed me up for any insurance since I only asked for a quote and did not accept a " policy '' with them. I need that documentation, because I have no idea how they decided to just bill me for something I did not agree to. I also do not know how they can insist that I give them the insurance documentation I have in order to dismiss the bill. 

XXXX XXXX XXXX XXXX number : : XXXX Policy Term : : XXXX XXXX, XXXX to XXXX. XXXX, XXXX XXXX XXXX : : Full Term
Product: Checking or savings account

On XX/XX/2020 I attempted to access my brokerage account to manage, was denied access both mobile and online via desktop, contacted via phone. Call 's were disconnected and no customer service or explanation was provided. I am also considered a " preferred client '' with this financial provider. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Need to file a complaint on Experian reporting agencies. I have asked them about 7 time to Please investigate negative reporting on My credit report they keep claiming they the accounts are verified I have sent them factual info and they fail to do a proper investigation. Which is a violation per the FCRA. I DEMAND THE FOLLOWING XXXX ACCOUNTS BE DELETE FROM MY CREDIT FILE. DUE TO WRONG ACCOUNT NUMBER I HAVE ENCLOSED A FILE SO THEY CAN SEE FOR THEMSELVES AND I DEMAND THE FOLLOWING XXXX XXXX ACCOUNTS BE DELETE PERMANENTLY ALSO I SENT YOU PHYSICAL PROOF OF THIS NOW I'm asking you to send me proof of your Physical investigation I wan na know who you spoke with when you spoke with employee id badge number what documents you sent to them what they sent back to you I need Physical proof any sign copies with my sign signature attached as I stated over the last time these are Not my account Not sure who they are and you keeping claiming that you have verified these XXXX accounts I asked that you not use your XXXX digit code system called XXXX XXXX I'm asking for physical proof I sent it to you in this account ( see File ) and I expect you to send me Physical proof as well. per the FCRA 611 I HAVE EVERY RIGHT TO ASKED FOR PHYSICAL IF YOU CAN'T SEND ME WHAT I'm ASKING FOR I SUGGEST YOU DELETE THE ACCOUNT ASAP OR LEGAL ACTION WILL TAKE PLACE!
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 {$14000.00}, {$23000.00}, {$8900.00}. 
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 on XXXX XXXXXXXX, 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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$8900.00} -This is not my account.
Product: Debt collection

About a month ago I started getting up to XXXX calls a day from XXXX Bank. At first I answered and after a pause got a voice message asking why I called.I didnt call so I hung up, but the calls continued. I figured out that they were calling in reference to my Banana Republic Rewards card ending in XXXX numbers they said the cards account had but I have no knowledge of having such a rewards card and it certainly wasnt the regular account number of my Banana Republic card. I eventually tried to call the XXXX number back, but was lead through a rabbit warren of links telling me that I owed a certain amount that I never paid. Since I couldnt find any such amount on my Banana Republic account, I hesitated paying over the phone ( which would have required giving my checking account number ). I then called Banana Republic directly but they said their regular credit card account is not my rewards account. In the end, I mailed a check for the full amount I was told I owed to Banana Republics address. I have not heard a thing in the 7 days since & theres no evidence from my bank that my check was cashed yet, and worst of all, the incessant calls continue! You are my last recourse!
Product: Checking or savings account

I deposited 2 checks on XX/XX/24 both deposits were accepted the. The very next day I received an email that my account was restricted. I called the number literally for 2 weeks and chase said that the number thats printed on the 1099 form I received with the check they couldnt call they out the funds on hold until XX/XX/24 the funds cleared but they still wont release the funds even though the checks cleared and chase will not allow me to give the actual check the 1099 and the envelopes it came in because I did a mobile deposit. I have called everyday and chase will not release my funds nor help me to get my funds released
Product: Credit card or prepaid card

I have two ( 2 ) credit card accounts with CapitalOne.com, suddenly the last several months I noticed a closed account I once had with XXXX XXXX began to show up as a payment option on both accounts. The account with XXXX XXXX was closed in 2006. I became livid and wanted to know how CapitalOne got this account number, and who gave them permission to use a closed account as a payment option? I wrote to them and they asked me to call them because they didn't understand what I wrote. I became angry again, but I called. I explained why I was angry and was told my accounts were investigated and no such number or numbers for XXXX XXXX appeared and no such information was ever shown as a payment option on either account. I knew it was a lie and told the CS rep what I thought. I hung up and waited a month and this time rather than call I printed the information directly from the accounts with hopes you could help me get to the bottom of this deceitful act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquirie from Ace Cash Exp XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/XXXX and I never authorized any credit check from this company and I have no knowledge of this company. 
I have another hard inquirie from XXXX XXXX XXXX, CA XXXX from XX/XX/XXXX that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XXXX, and XX/XX/12 I made deposits to cover my account according to what the account showed in real time. Now I didnt realize that this bank do not put in the overdraft fees in pending. Therefore didnt know I had these fees til they post. What they did was take their fees and returned my echeck to XXXX and charged me a returned check fee. Huntington caused my account to bounced and caused XXXX to locked my account! Now this echeck will be presented in a few days because of their mistake. Meanwhile {$360.00} has been taken in fees.
Product: Payday loan, title loan, personal loan, or advance loan

Dear CPFB Representative, I am writing to express my deep concern and frustration regarding an unresolved refund owed to me by Monterey. This is a follow-up to COMPLAINT ID XXXX. Despite my prompt payment of their bill, I have not received a refund from Monterey, which is completely unacceptable. 

It has been XXXX weeks since Monterey promised to mail the refund in response to my previous complaint, but I have yet to receive it. Monterey 's lack of follow-through demonstrates a lack of respect for their customers and puts me in a position of financial inconvenience. 

I demand that Monterey refund me promptly. I have already paid their bill on time, and I should not have to wait any longer for the refund that I am owed. It is unacceptable that Monterey expects prompt payment from its customers, but it can not uphold the same level of responsibility when it comes to refunding owed amounts. 

Despite my attempts to communicate with Monterey 's representatives, I have received no response. This lack of communication only exacerbates the issue and leaves me feeling ignored and undervalued as a customer. 

I urge you to intervene and ensure that Monterey is obligated to refund me promptly. They must understand the importance of timely and respectful communication with their customers, especially concerning financial matters. 

Thank you for your attention to this urgent matter. I demand your prompt assistance in resolving this issue and obtaining the refund owed to me. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2017 we had fraud charges on our credit card, we quickly contacted them and they flagged over 5 charges to be resolved. At that time we had an available credit of about {$3.00} and the card was not over the limit. Every month we have an auto payment of {$150.00} which is well over the minimum payment. In XXXX the card was still in the negative over {$400.00}, so we called to see why the charges werent resolved yet. They told us not to worry and that it would be a few more weeks before the charges would be removed. They said it was paperwork on their end and waiting for the fraud department to clear them. So we waited weeks and our minimum payment went to {$980.00} and our available credit was - {$520.00}. When we called on XX/XX/XXXX at XXXX we spoke with a customer service rep who could not help us at all and we could barely understand him. So we requested a XXXX who could actually help us. We were transferred to XXXX XXXX who said she was a XXXX, she basically said unless you can prove fraud charges theres nothing we can do and told us she was disconnecting the call?! I tried going through our statements and looking for the fraud charges but they werent on our account anymore. So I asked XXXX XXXX where the - {$520.00} in the negative came from because the charges on our statement doesnt equal {$520.00}?! SHE COULDNT ANSWER MY QUESTION!!!!!!!!!!!! Listen to the recorded phone call ... ... ..How can a company have an account that they cant describe the charges?! She acted like it was my fault it was on there. So I kept asking about what the charges were and she just said if theres no fraud I cant remove any charges. I concluded that these must be their FEES so I asked why they cant remove fees?! These FEES only occurred because we had fraudulent charges on our account!!!!!!! There is no way I couldnt taken the card {$520.00} in the negative so its obviously the FEES they are trying to charge me. My account was in good standing before the fraud charges, now they want me to pay {$1000.00} for my minimum payment. Such a slap in the face because we were the victims in this in the first place, now they are trying to charge late payments and over the balance fees that happened because of fraud. So are they trying to create fraud on accounts just so they can charge these FEES just to get over on people?! I mean XXXX XXXX talked to me like I was lying about the fraud charges because she said theres no report of any more?! She didnt know about the charges o she cant help?! Is this a matter of opinion here?! Is there any communication?! XXXX DOES NOT CARE ABOUT THEIR CUSTOMERS AND WILL ONLY TRY TO STEAL YOUR MONEY WITH BOGUS FEES THEY STILL CANT TELL ME WHAT THESE FEES ARE FROM!!!!!!!!!!! HOW IS YOUR XXXX GOING TO TELL ME THERES NOTHING WE CAN DO?! 
XXXX IS JUST A BIG SCAM!!!!!!!!!!
Product: Debt collection

They told me in XXXX XXXX that getting this loan would help me out and convinced me to put my car in the loan agreement to make sure I get more money and at the time Covid hit so I needed it and a year later I totaled my car and my car insurance paid off the loan and didnt give me anything I went through so much trouble without having a car and now that my car settlement paid them up and left me with nothing its XXXX and now there telling me I have to make XXXX dollar payments and they wont reconstruct the loan to a amount that I can pay they ripped me off and sold me lie to get more money out of me and expect me to pay it back and keep calling me 2 times a day saying that they can help me and dont
Product: Credit reporting or other personal consumer reports

Last month i found out that my XXXX XXXX XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$84000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORTS. ATTACHED DOCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraud applications with AMEX on XX/XX/2022 and XX/XX/2022. 
XXXX fraud application with XXXX on XX/XX/2022.