23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Accounts and Unauthorized Bankruptcy Filing Under the Fair Credit Reporting Act ( FCRA ) and Related Consumer Laws To Whom It May Concern, I am formally disputing multiple fraudulent accounts and an unauthorized bankruptcy filing that have appeared on my credit reports with XXXX, XXXX, and TransUnion in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The attached police reports from the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) substantiate that I am a victim of identity theft and financial fraud. 

Legal Grounds for This Dispute : 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or fraudulent information on my credit report. 
The credit bureaus and furnishers must investigate within 30 days and remove fraudulent accounts per 15 U.S.C. 1681c-2 ( Fraud and Active Duty Alerts ).

Failure to remove verified fraudulent information is a direct violation of 15 U.S.C. 1681n & 1681o, which entitles me to damages and legal recourse.

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Debt collectors must cease collection efforts on fraudulent accounts under 15 U.S.C. 1692g ( b ).

Reporting fraudulent debts as valid violates 15 U.S.C. 1692e ( 8 ), which prohibits false credit reporting. 
3. Fraudulent Bankruptcy Filing ( 18 U.S.C. 157 Bankruptcy Fraud ) : The XXXX XXXX XXXX recorded on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) was filed without my knowledge or consent. 
This fraudulent filing violates federal bankruptcy fraud laws ( 18 U.S.C. 157 ), and I demand its immediate removal. 

Fraudulent Items to Be Removed Immediately : Creditor/Account Name Account Number ( Partial ) Date Opened Disputed Amount Notes XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$73.00} Fraudulent account XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Fraudulent account 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  ) N/A Fraudulent bankruptcy filing Requested Actions Under the Law : 1. IMMEDIATE REMOVAL of all fraudulent accounts and bankruptcy filings from my credit report under 15 U.S.C. 1681c-2.

2. CEASE ALL COLLECTION ACTIVITIES on fraudulent accounts under 15 U.S.C. 1692g ( b ).

3. FORWARD THIS DISPUTE to all relevant data furnishers, as required under 15 U.S.C. 1681i ( a ) ( 2 ). 
4. PROVIDE A WRITTEN RESPONSE within 30 days, as required by federal law. 

I have attached : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) proving identity theft. 
Credit Report Highlighting Fraudulent Accounts and Bankruptcy.

Copy of My Identification for Verification. 

Failure to comply with federal consumer laws will result in formal complaints with the Federal Trade Commission ( FTC ), legal action, and potential statutory damages under FCRA and FDCPA. 

I expect a full resolution and removal of all fraudulent items within 30 days, per federal law. 

Sincerely, [ XXXX XXXX ]
Product: Bank account or service

On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS
Product: Mortgage

I'm am in the process of refinancing a mortgage Information submitted by my previous servicer Rushmore loan management services LLC are incorrect.also Rushmore has received funds on my behalf from the state of new Jersey erma program and did not apply to my balance.The erma program paid my arrears but Rushmore added a false foreclosure charge of {$2400.00} when in fact there was no foreclosure due to the fact the erma contacted Rushmore that the arrears were being paid by the state which is illegal.also another charge of {$6600.00} was added on for taxes and insurance when in fact those are included in my mortgage payments.also Rushmore recently transferred my mortgage from their LLC to themselves while reporting information to credit bureau causing my credit to drop XXXX XXXX while I was current.Last but not least after the erma program paid my mortgage payment in XXXX of {$1000.00}. Rushmore increased my payment to {$1500.00} which is illegal and a breach in mortgage contract
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) includes provisions for companies to help individuals remove fraudulent information resulting from identity theft from their credit reports. If you're a victim of identity theft, you can file a dispute with the credit reporting agencies to have the fraudulent information removed from your credit report. Additionally, the FCRA requires companies to investigate and correct any inaccuracies in your credit report, including those resulting from identity theft.
Product: Credit card or prepaid card

Best buy refuses to grant me entry to their website to set up automatic payments and their call center supervisors are very rude and don't help. I just want to set up recurring payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a Louisiana Resident and have been impacted by the Louisiana Data Breach, resulting in me being a victim of identity theft. After reviewing my credit report, I noticed several inquiries I have no knowledge of ; please remove these inquiries. I do not have an account with any of these companies. I have attached my FTC report that outlines ( eight inquiries ). I have been monitoring my credit for accuracy. TransUnion must report accurate information, which they need to.
Product: Credit card

Comenity banked has repeatedly violated the fair debt collection act 7 in 7 rule ; I receive calls from them daily about a past due bill that I have been struggling with for a few months. Today on XX/XX/2024 my father told me he received a voicemail from Comenity bank. They called his personal phone number during business hours on a weekday regarding my personal matter. I have NOT explicitly authorized them to speak with a specific family member regarding my account, leave voicemails with family members, or discuss my situation. I called comenity bank at the phone number provided, notified them of the 7-in-7 rule, and expressed that I have not given them permission to contact any family member, nor did I ever provide them with his personal phone number.
Product: Checking or savings account

On XX/XX/XXXX I received a text message from the Chase Fraud prevention department asking if I had authorized a transaction for {$230.00} and I replied no. Immediately I received a call from the fraud prevention department telling me that they had successfully stop the transaction prior to it going through. On XX/XX/XXXX the transaction posted on my account. I called to make a claim, they told me that my card shouldve been canceled to prevent this fraudulent transaction. They gave me a phone number for the merchant that was an invalid number. I tried to XXXX the company but was unsuccessful in reaching anyone. Days later I received 7 exact creams that seemed to be packed in a house with no return address, phone number, or any contact info for company. I reported this to chase as well. I have these creams exactly as they arrived in case they made contact with merchant and wanted me to return. I received a letter from chase stating they had found transaction valid and would be withdrawing the monies from my account. I called and basically was informed by chase that they have labeled my claim as a fraudulent claim after I reported this was not an authorized transaction 5 days prior to it posting. Representative and supervisor refused to transfer me to a manager. I feel chase has violated by consumer rights. They are penalizing me for there failure to act appropriately and timely. If they would have canceled my card on XX/XX/XXXX all this would have been avoided. I believe that my information might of been hacked into and Chases failure to act has caused this. Initially Chase stated the transaction/merchant is XXXX XXXX - default which is what shows on my bank transaction. The creams have a label for XXXX. Today when I contacted chase they refused to give me the merchant information that they claim to have contacted to verify the validity of the transaction and after a long discussion the Supervisor only gave the the name of XXXX  as a merchant which is completely different than what was posted on my account. I feel violated and insulted by the remark by Chase that I submitted a fraudulent claim. My complain is against Chase and against those companies that are committing Fraud and obviously hacking into accounts to take people money. I would also like to pursue legal action against Chase and that company. Not sure if you can provide me with guidance on what to do next. In advance, thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been with American Express since 2008. I received an offer in my AMEX app for XXXX bonus points when you sign up for the XXXX XXXX and spend {$6000.00} in the first 3 months. I applied for the card solely due to this promotion as I have a XXXX XXXX XXXX card that I love and did not need another card with a XXXX XXXX  year fee. I received the XXXX card and spent well in excess of the {$6000.00} required. However, American Express only applied XXXX points to my account and refuses to apply the remaining XXXX that I am owed. I spent weeks working with American Express to try and fix the issue and they refuse to honor the original agreement that I applied to. XXXX of their representatives even admitted that it was changed after the fact from XXXX points to XXXX points. I used to be a loyal American Express customer and now will do everything possible to avoid that company. This was an illegal bait and switch, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX. XXXX, XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Kickoff credit promised to raise my score significantly and pay me the money I out in it back to me. Well I never recieved any money
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate information reported on my credit report by XXXX with the account number XXXX. This account is listed as " Account charged off with {$150.00} written off and {$150.00} past due. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **IRS Violations ( 1099-C Cancellation of Debt ) : According to IRS regulations, specifically 26 CFR 1.6050P-1, creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled. Although the amount written off in this case is {$150.00}, reporting this as a charge-off without proper documentation and not issuing a 1099-C form raises concerns about compliance with IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is misleading and inaccurate. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off without proper evidence and accurate information constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XX/XX/year>, and it is marked as " Account charged off. '' However, the payment history shows multiple charge-offs and past due statuses, which is inconsistent and inaccurate. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting.

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws.

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above.
Product: Credit reporting or other personal consumer reports

Chase credit had inquire of my credit report. I didn't apply for any new loans or cards. I haven't dealt with chase credit card for years. Look like someone has got ta ahold of my social and trying to take out a chase credit card.
Product: Mortgage

Loan Number XXXX and XXXX XXXX # XXXX. I had a mortgage with Loancare and refinanced in XX/XX/2020 with a different company. Loancare issued a check for a refund of the amount in the escrow account in the amount of {$250.00}. I have reason to believe this amount is incorrect and I should have received {$350.00}. The itemization on the check I received was completely unclear and unhelpful. I contacted Loancare to ask for an escrow account payment history to verify the refund they issued. They have been non-responsive to this request.
Product: Student loan

I have tried multiple times over the last 5 years to separate my spousal joint consolidation loan that was taken out in 2002 for {$49000.00}. My current balance after 22 years is still {$36000.00}! This loan has been sold multiple times and the interest has been piling up! My husband and I have both been public servants for over 30 years and we can't qualify for the XXXX because a spousal loan is continuously denied being consolidated into a direct loan so we can apply for the XXXX. This loan is not estimated to be paid off in XXXX!!!!! I will be XXXX XXXX XXXX and still paying on my loans! CRIMINAL!!! Please help! I don't know what to do. I have called, applied, cried, been completely stressed out, depressed, and paid loan help agencies and have had no luck! I am now paying for my own children to go to college while still paying off my loans so I can be a public servant!!! 31 years of service and I can't get this stupid ball and chain off of me.
Product: Money transfer, virtual currency, or money service

My husband and I are buying a house. We have the money for our deposit in an Ally savings account. Yesterday we found out we had an accepted offer for a house and submitted a request for XXXX $ XXXX wire transfers to our bank accounts at XXXX. We have XXXX days under contract to get the money. The wire transfers were supposed to go through today. XXXX of them went through this morning. We called at XXXX XXXX looking for a status update on the other wire and they said that they escalated our wire and that it would be done by XXXX. It was not. We called again and they said that it would have to be done tomorrow and there was nothing they could do. This is time sensitive and urgent, and they are not living up to what they said they would do for us.
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 {$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. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Mortgage

I filled out the paperwork I received back in XXXX and mailed it back to figure out a way to fix the past due payments. I have paid at least one month of my mortgage every month during this time. i never heard anything back. I have been in another state for 4 months and when i returned today my daughter tells me they didnt accept the payment she made friday. We scheduled a new payment for the monthly mortgage amount for next week and another full month for 2 weeks after but i still didnt hear back and when i tried to log into my account today its locked out. I dont use a computer on my own so i dont know how long its been locked. I have all my mail from when i was gone and they didnt send anything back regarding the paperwork.
Product: Mortgage

I had my payments set up on auto pay, one month without notice my payment was sent back and I did n't notice. I then became late. I did n't realize the money had been returned to my account. I then call in to find out what was going on and tried to make a payment over the phone. They told me the address had changed and they no longer accepted payments at the address that I sent the payment to. I could n't pay two months at once and they would not accept one full months payment. I updated the address and sent a payment online. My complaint is that they sent a payment i made back anf then refused payment.
Product: Debt collection

Collection agent JEFFERSON CAPITAL SYST placed blemish on my personal credit report without contacting me for unknown charge from " XXXX XXXX '' this charge had been disputed with XXXX XXXX years ago.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.