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 {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
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 ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

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

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. THE XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Hi Capital One, I was notified by the credit bureaus that there was a checking account ending in XXXX and a XXXX XXXX XXXX XXXX XXXXXXXX that was created recently. I did not create or apply for any of Capital One 's accounts. This is identity theft. Please investigate and close all accounts with any balances as they are NOT mine.
Product: Credit card

I made a payment to discover bank in the amount of XXXX XXXX the day before the payment was due. 

Discover bank despite receiving the payment never debited my XXXX XXXX account and instead charged me a late fee, an over the limit fe, and higher interest rate.
Product: Credit reporting 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have right to privacy.

15 U.S.C Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my instructions.

15 US.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report contaning any of the following items of information, Any other adverse item of lnformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S, C. 1681 s-2 ( AX1 ) 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: Credit reporting or other personal consumer reports

On all 3 credit reports ( XXXX, Transunion, XXXX ) there is unknown address, Names, Date of births. My ONLY Name, Address, and Date of Birth is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> There has been numerous collections placed on my credit report without my knowledge nor have I not been notified of such collection tied to my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by XXXX ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). XXXX reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, Experian, XXXX, and XXXX are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have setup payments wit this company for the last 2 years. They will only setup 6 months at a time. The day that the last payment is taken out they start calling me every hour on the hour. Its ridiculous to be harassed this much. I've been paying them {$300.00} a month for the past 2 years without fail. When I call to set up the next 6 months payments they give me grief and tell me that I need to take out a loan to pay this in full and that at the rate i'm going its going to take 12 years to pay it off. I mean if I could I would but I'm paying them monthly so what the XXXX does it matter.
Product: Mortgage

In XXXX I took out a Reverse Mortgage with Mutual of Omaha. I have been making payments on it to keep the loan from spiraling out of control.

I am not able to make payments on the principal. All my payments pretty much keep the interest on the loan from going any higher, but the loan has never decreased.

Every month the loan has about {$1500.00} in interest added to it plus the MIP. Nearly every month, I pay {$2000.00} on it. That payment gets applied to the interest, then to the MIP, then ( supposedly ) to the principal. 

For instance, on XX/XX/XXXX, I made a {$2000.00} payment to the loan. 
{$1800.00} was applied to the interest. 
{$110.00}. XXXX was applied to the MIP. 
Nothing was applied to the principal. 

I have been told I will never be able to request any of my payment be applied to principal only. I must pay off all the interest, then the MIP. Only then will payments be applied to the principal. However, as far as I can tell, that will never ever happen because interest is added to the loan every month and the payment I send in is eaten up by the interest that must be paid first. 

I have paid over {$16000.00} on the loan this year. As far as I can tell not XXXX XXXX  was applied to the principal. 

When I ask how much interest there is left on the loan I am told no one knows. They tell me to stop paying on it because it is a Reverse Mortgage. I know what kind of a mortgage it is, but I can't believe the design of this mortgage will keep me from ever being able to pay even a dime on the principal. Is that really what HUD intended? HUD wants the bank to be so protected that the homeowner can never make a dent in the principal when paying down the loan? It all seems unethical. 

I would appreciate any help or wisdom you could offer me. Many thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit bureaus  (  XXXX , Transunion and   XXXX   ) that showed th at the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified letters to each bureau requesting that the information be deleted from my credit repo rt. Only  XXXX  bureau-Transunion has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
Product: Checking or savings account

Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.
Product: Credit card or prepaid card

they are reporting late payment to account for no reason.they did not sent bill to my address
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}
Product: Mortgage

Hello my loan service provider is Mr Cooper XXXX. For the last year I have had numerous financial difficulties because of the pandemic. I am currently on the forbearance program with Mr Cooper XXXX. I have applied for the Nebraska homeowners assistance fund. My application was approved and the status right now says communication sent to lender. Nebraska homeowner assistance fund claims they sent communication to sender on XX/XX/XXXX. It has been over a month and my forbearance program ends at the end of this month XX/XX/XXXX. The Nebraska homeowners assistance fund claims that Mr Cooper is not responding to their communication. I have spoken to the compliance department XXXX of issue resolution XXXX XXXX of Mr Cooper on XX/XX/XXXX. She has supposedly talked to her HAF team but the issue is not being resolved. I'm running out of time and I did not want to lose my home. I need Mr Cooper XXXX to respond back to Nebraska homeowners assistance fund with the documents they need so they can make the decision of what they're going to pay. I would appreciate if Mr Cooper lakeside would do their part so this issue could be resolved.
Product: Credit card or prepaid card

I have a capitol one credit card that had a {$1500.00} credit limit. The payment automatically comes out of my account at XXXXXXXX XXXX XXXX ( contact XXXX XXXX ), on XX/XX/16 Capitol one debited my account for the regular payment for {$100.00}. I went to my bank XXXXXXXX XXXX  this week to get some cash. The bank rep told me my bank account was overdrawn. They told me there was a debit from Capitol One for a payment of {$1300.00} to pay my card. I went to my XXXXXXXX XXXX and we called Capitol One, they said a mobile app had opened a new card, with new credit limit and new signers. I said I did not do that, they wanted all kinds of information faxed to them before they would help me. The names added to my " new '' account were XXXX XXXX and XXXX XXXX, they would not give us the new phone number or the new address. XXXX at XXXXXXXX XXXX can verify all this information. The card had already been maxed out and another approx {$3800.00} had been charged to my bank account as payment. XXXX at my bank told me that it may be best for me to go downtown to the XXXX Capitol One office to get help. I did drive on my on ( i am XXXX XXXX XXXX ) XXXX miles to downtown XXXX to the Capitol One branch bank. They were not able to help me as I was told there was no one in the branch that could help me with that problem. I have made sure that the card is cancelled and I have a case number with Capitol from the call that XXXX at my bank made with me ... XXXX # XXXX. I am about approximately {$5000.00}. I was told by my banker to go to this website to file a complaint. I have also filed a charges with my local XXXX office in XXXX XXXX, Texas the officers name is XXXX XXXX - numner is XXXX. Since I am XXXX I am haveing my good friend and neighbor, XXXX XXXX, type this information for me. XXXX XXXX info is XXXX, her email is XXXX. XXXX has also placed a fraud alert on my credit profile.I want the {$500.00} If there is anything you may need information on.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list of Hard Inquiry Accounts from XXXX  XXXX XXXX and XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the rights to privacy.

Pursuant to 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish account without my written instructions.

I am requesting for the original copy of the agreement, terms, and conditions. Failure to comply will forfeit your claim and will require you to delete all the list of hard inquiries above. You are required to do what I am asking and block and remove these transactions and hard inquiries from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I got a letter in mail from Www.primechoicefunding.com NMLS XXXX advertising that I was preselected for a very attractive mortgage refiningnancing rate. Upon my contact with the company I was assigned a mortgage officer XXXX XXXX to whom I submitted all required info. I mentioned to him that I work with another lender and already locked in at a certain rate and submitted their official loan estimate. XXXX run my credit history without notifying me first and then started making assumptions and giving me go around without giving me loan estimate or rejection even though I submitted all documentation and it satisfied all requirements. I have a full record of our email correspondence upon request.
Product: Checking or savings account

In early XXXX of XXXX, I discovered that I am a victim of Identity Thief. On XX/XX/XXXX, I contacted Truist bank to report a fraudulent deposit of {$18000.00} was made to an account holder. The representative told me to email all the information I have to XXXX which I did on XX/XX/XXXX. Once the email was sent, I received an automated reply. On XX/XX/XXXX  I called Truist bank to confirm if the email was received and what actions have been taken if any. The representative informed me that no actions have been taken on the account, but it will be frozen and to email XXXX for any follow-up questions I have. On XX/XX/XXXX  I sent an email asking for a follow up to my claim and what actions have been taken. I also provided a cell number so they can contact me directly. I received another automated reply confirming my email has been received and an analyst will take the appropriate action. To date I have not received any further communication from Truist Bank.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention several discrepancies and inaccuracies that I have recently discovered in my credit report. As a diligent consumer, I am fully aware of my rights outlined in the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute these discrepancies.

Specifically, under 15 USC 1692f, it is clear that debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Upon reviewing my credit report, I have identified multiple accounts that appear to be in violation of this statute : XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX Your adherence to the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681 ( a ) ( 2 ) ( b ), seems to be lacking. This statute prohibits certain types of information related to " credit cards '' or similar financial instruments from being reflected in an individual 's consumer report. It's important to note that the term " credit card '' extends beyond traditional bank-issued cards to encompass any mechanism used for deferring payment or borrowing funds, including personal identifiers like Social Security Cards or Driver 's Licenses. Your oversight in this area, and the subsequent failure to rectify such errors, raises serious concerns.

Additionally, I am troubled by the inclusion of detailed records of my interactions with third parties in my consumer report. The Fair Credit Reporting Act, particularly through 15 U.S.C.

1681a ( 2 ) ( i ), mandates that consumer reports should not contain information pertaining to transactions or engagements with other entities. Given the importance of accurate credit reporting, I kindly request that you conduct a thorough investigation into these discrepancies as soon as possible.

I expect your response within XXXX  days and urge you to remove all non-account holding, unauthorized inquiries, and any other information from my consumer report that is irrelevant, breaches privacy, or violates any other provisions of the law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/year> I had to renew my home insurance. At that time, Florida was hit by a hurricane and my insurance wasnt able to renew my policy until XXXX  days later the hurricane passed. I communicate that to the bank, but regardless they put me now in an escrow account for the rest of my loan which represents {$800.00} more per month. Let me repeat that, {$800.00} more per month on top of my mortgage. 

I tried to talk to someone on Truist and they put me with a front line call receiver with less than a year in a position that was reading a script and wasnt able to or didnt want to transfer to a supervisor ( as I requested ). They kept me on the phone for more than XXXX hour without finding the right person to talk to me and offering to talk to some additional people that I didnt request to talk to. 

Very unprofessional treatment and customer service
Product: Credit card

I am writing to seek your urgent assistance regarding a disputed charge of {$6900.00} made on XX/XX/2023, to XXXX for a custom mechanical ride. The product arrived on XX/XX/2023, in a severely damaged condition due to poor packaging. 

Despite following all recommended procedures, including marking the shipment as damaged and filing claims with XXXX XXXX and their 3rd party shipper XXXX, my claim was denied by XXXX XXXX just this week after much back and forth. Additionally, Chase denied my dispute citing the charge 's age. It's crucial to note that the merchant is refusing any resolution or refund, leaving me unfairly liable for a non-functional product.
Product: Credit card or prepaid card

I contacted my card issuer ( CashApp ) XX/XX/21 to dispute some transactions. I contacted all merchants of each transaction was previously. Unfortunately, refunds where not processed by the merchants or Cashapp. I had no choice but to file disputes for these transactions. Cash App representatives did respond to my requests. The responded via email asking me to provide details and as shown on screen shots here. I was quick to respond providing the details. I also provided supporting documentation I received from the merchants. 
Cash App has continued to ignore my requests and not help me. 
I will attach supporting documentation