23daVinci/CFPB_Complaints huggingface dataset:
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 {$5500.00}, {$2900.00}, {$7500.00}, {$7500.00}, {$15000.00}, {$500.00}, {$3000.00}, {$2700.00}, {$1500.00}, {$30000.00}, {$18000.00}, {$5000.00}. 
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 XX/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. 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2700.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Product: Credit card

Discover bank closed my account on XXXX XXXX. I opened the account on XX/XX/2023. I used my card and paid the total amount before the statement report. Each statement report was XXXX. I didnt receive a letter about fraudulent Transactions and they closed my account without any reasons and that affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that MUFG UNION BANK is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My cease-and-desist letter, unrebutted affidavit, and debt validation letter have been ignored by Ally Financial since XX/XX/2021. I will include proof of tracking and a copy of the letters as well. I will submit my complaint here since I am constantly being ignored and harassed to pay something I do not owe. Pursuant to 15 U.S.C. 1692g I am requesting verification of the alleged debt. Ally refuses to cease communication and validate the alleged debt. They also neglected to notify the credit bureaus that I am disputing the debt and it is causing adverse actions. I have received numerous correspondences and threating letters containing obscene and profane language. I have stopped making payment because I am aware that I do not owe the debt. I am requesting the name of the creditor to whom the debt is owed pursuant to 15 U.S.C. 1692g ( 2 ). I am also requesting that Ally Financial provide me with the name and address of the original creditor, if different from the current creditor pursuant to 15 U.S.C. 1692g ( 5 ). 

Pursuant to 15 U.S.C. 1692h my directions to Ally Financial is to refund me {$18000.00} in the form of a check mailed to my P.O. Box that they have on file. Ally may not apply payment to any debt which is disputed. I will attach the payment history that Ally Financial provided me with that reflects that amount. 

I also request that they release the lien and give me back the title of the car. I sent Ally a recession letter exercising my rights terminating their security interest under the Truth in Lending Act, 15 U.S.C. 1635 to rescind the above referenced consumer credit transaction. I will include the letter along with proof of mailing as evidenced through USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1692c ( b ) I do not give my direct consent for Ally to communicate with any third party aside from the CFPB to notify me that collection activity has ceased and that the alleged debt is disputed. Also to notify me that a check will be mailed to me for all of the payments I have made towards the alleged debt. I only give my consent to the third party Ally Financial would need to contact to terminate the security interest in my vehicle. That includes the release of the lien that was titled in the State of Ohio. 

My rights are being violated pursuant to the Equal Opportunity Act. This is discrimination. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is violating my right. See attached.
Product: Mortgage

I paid my mortgage online before the XXXX. I received an email that I was hit with a late fee during this COVID 19, and I was also locked out of paying online. I took a screenshot of the message ; PHH Mortgage Services has a ruthless practice of this that has been going on for YEARS! I am sick and tired of it..they also charge a fee if you pay online. my other mortgage company does not do this practice. I own 2 homes. Please have them stop this bad practice so ppl can continue to pay their mortgage.
Product: Credit card or prepaid card

I purchase a refurished XXXX XXXX on XX/XX/XXXX my Pay Pal Credit. The phone has never connected to my XXXX in my auto. Also people on the other end of the phone line can not hear me. First, I thought it was the building, I then purchase a XXXX and I have no problem. I file a dispute with XXXX XXXX back in XX/XX/XXXX. They denied the dispute. I have appealed the dispute twice. They still denied it. 
I sent a letter from XXXX XXXX sales manager, explaining to them that the phone had issues, the phone would not pair to my vehicle. I also sent the sales receipt showing that I had to purchase a new XXXX cell phone. The appeal still was denied. I am shipping the phone back to Synchrony Bank. I will not continue to pay for the cell phone. 
I car would not start at my job. I tried call an individual, they were on the other end of the phone line, yet could not hear me talking to them. This phone was left outside in the winter weather, it was days before I discovered that the phone were hidden in my flower bed. Therefore the box was wet. I will be shipping this phone back to Synchrony Bank.
Product: Credit reporting or other personal consumer reports

What happened? 

I received a Copy B of a XXXX form for my student loan debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.
Product: Mortgage

We applied for HAMP loan modification with Fifth 3rd Bank and the bank moved forward and sold Our home. The bank acknowledged receiving the complete losss mitigation application and supporting documents but still moved forward and did not review or offer any type of solution to help Us stay in Our of 22 years. All of the equity We invested is taken away. We hired an attorney who was suppose to be representing jUs with the foreclosure process and he basically stole Our money. The attorney has been missing in action and does n't take calls or respond to text or email messages. We later found out he has been cited by the Lawyers review board for inappropriate conduct. We are now struggling with finding another attorney and appealing a case that should have never gone this far.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Transunion credit report with a installment about called XXXX # XXXX. I submitted a fraud affidavit and a 30 demand to comply. The item was not deleted nor did I hear from Transunion. I need this item deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing  that they are falsely reporting delinquency and charge off dates
Product: Prepaid card

On XXXX XXXX, 2016, there is a charge of {$780.00} taken out of my account, paid to XXXX. I figured out that my boyfriend at the time had taken my debit card number and paid his past due cable bill with it. So I called up bluebird AmEx and told them what happened and disputed the charge. I was issued a conditional credit for {$680.00}, {$100.00} less the total charge, in XXXX 2016. I was received an email and uploaded forms they asked for. Then I never heard anything from them, until on XXXX XXXX, 2016 when I noticed they reversed the provisional credit and sucked out all the money I had in the account and then some. I called them and they said the reason they reversed it is because they needed me to send them a copy of the receipt from the disputed transaction. How could I send them a receipt I do n't have, and why would I have a receipt for a transaction that I never authorized. They did n't even try contacting the merchant to my knowledge and I have tried numerous times resubmitting the dispute and it has been like banging my head against the wall. The last time I called in they resubmitted a new dispute but I was told that I needed to send in s copy of his bill to prove it was not in my name nor service to my address. I said I did n't have access to that and they told me to call or have a male friend call XXXX pretending to be my ex boyfriend and get a copy. I was not doing that for obvious reasons but also that would n't make a difference because I am sure they would just send the copy to his address on file which I do not live there or get his mail. In any event they are just giving me the run around now and the account is negative months now and checks have bounced etc. Because they never informed me of the credit reversal or any information the entire time and also on their website I was reading the dispute terms and conditions and it says that they will contact, merchant and fight your dispute as any other major credit card etc. and clearly they have done no such thing. I hope this agency will be able to assist me in getting my {$780.00} back that I have been out for the past few month. Thank you for your time and anticipated cooperation regarding this matter.
Product: Vehicle loan or lease

In XXXX I moved bank accounts and mistakenly pulled funds from an account hooked up to autopay. I noticed within their grace period and made a one-time payment online to avoid late fees/issues. Additionally, I also called them and they confirmed no late fees would be assessed and the account would not be delinquent if I paid online immediately. They would not send me an email confirmation. I filled the account with ample funding and moved on with life. 

I saw my XXXX payment processed for the standard amount, I took this as confirmation that everything was good and everything was current. 

Today I logged in and noticed a {$XXXX} extra charge, composed of a {$XXXX} " miscellaneous charge '' along with a " late fee ''. Turns out the late fee was for non-payment of the {$XXXX} charge that I was never informed about. Additionally, this " miscellaneous charge '' was not requested and/or included in my regular autopay ( which was setup through their payment portal ). I was NEVER INFORMED of this charges existence, and their automatic payment never covered it. 

They eventually removed the {$XXXX} late charge ( for the miscellaneous charge I was never informed about ) but told me I was still responsible for the {$XXXX} returned payment fee as that was a charge that they incurred and intended to pass through to me, despite the fact that I made a payment within the grace period, and had been previously told I would not receive any penalties due to my prompt attention to the issue and full payment within the grace period.I asked to escalate the issue and speak to a manager/supervisor and they said that they would not escalate my issue to anybody with authority to give me a written explanation or confirmation. This felt very scammy.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I sent a dispute letter to Transunion to address inaccurate items on my credit report. Along with this letter, I provided documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent paystub with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : Details on how the disputed item was verified. 
The date when Transunion contacted the creditor and furnisher. 
Contact information for the creditor and furnisher. 
The name of the individual who verified the item. 
The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
I received a response from Transunion on XXXX XXXX XXXX with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Transunion to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Transunion 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. 
I am including a copy of my dispute letter sent to Transunion along with Transunions response as proof.