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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity theft A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information Collections : XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXXXXXX {$6300.00} Hard Inquiries : XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Several years ago I was sent an Amazon charge card. I put it away and never used it. I thought it might have been something Amazon did when you became a " XXXX member ''. I began receiving bills on an account I had no idea what it was for. I tried numerous times unsuccessfully about what merchandise had been charged. The bills all seemed to be generally " amazon market place ''. I filed a complaint with Synchrony bank and explained I had tried to get in touch with a " person '' for months and was not able. This of course was during the Covid pandemic and I had a lot of family living with me. 
I signed an affadavit from Synchrony saying that I had never requested the card and had never used the card, It was a card I NEVER would have applied for at 29.9 %!!! I'm not crazy. I'm XXXX yrs old and have had excellent credit up until this started. As a result of my credit score being lowered to a point that made me uneligible to get a mortgage when I sold my home. This forced me to liquidate my life savings to be able to buy a house outright. 
Since this time I have closed the first account but Synchrony has repeatedly sent me a new account number and continue to send bills with a now over the limit balance and penalties on top of that. The current balance on my 4th account is {$2800.00}. This has exhausted my patience and made my life problematic to say the lease!!
Product: Mortgage

I recently contacted Chase, a third party ( Equity Accelerator Program ) that was taking payments on my loan and forwarding to XXXX XXXX. I needed to stop the automated withdrawals according to XXXX since I was on my last payment and they would not accept an automated payment for the last payment. Chase requested my husband 's social security number in order to stop the payments ; however, my husband is not on the note and never has been, he is only listed on the mortgage since we reside in Florida. I tried to explain this to them and they refused to stop the withdrawal. I do n't think this is acceptable.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I purchased online a XXXX supplement. I used my Barclays credit card ending in account XXXX. The company ( XXXX XXXX ) charged {$19.00} for the product. Once I entered the card data, the total amount of same became {$240.00}. I immediately called XXXX XXXX and alleged fraud and told them to cancel order. The female that answered barely spoke XXXX and said she would not cancel the fraudulent order. I immediately called Barclays ( My Card Account holder ) and informed them of the fraudulent charge. Barclays canceled the card and mailed me a new one. On XXXX XX/XX/XXXX I received a letter from Barclays that they had completed their investigation and the charge was valid. I called Barclays on XXXX XX/XX/XXXX at XXXX and talked with " XXXX XXXX whom said while the charge may be a fraud, I provided the card data to vendor so I had to pay. I told her I never received a product, the charge was fraudulent, the company name changed each time a XXXX XXXX  add was shown, and XXXX admitted that her record showed that the product had been returned to vendor. XXXX stated I had to call XXXX XXXX so I did at XXXX and talked with " XXXX '' who barely spoke XXXX and he admitted the product had been returned and disputed by Barclays and to take it up with them. I called Barclays back on same day at XXXX and told " XXXX '' whom barely spoke XXXX and told him the entire story and he said I had to pay the amount despite not receiving a product, there were claims of fraud on XXXX XXXX each time the advertisement showed, the company name changed each time the product showed. XXXX then engaged in semantics over " Fraud '' and " Scam '' with me. I do not owe the {$240.00}. I was forced, at the threat of putting on my credit report, to pay a fraudulent charge to a fraudulent company that never sent me a product despite doing everything right.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX  Account Number : XXXX Balance : {$1200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$64000.00} Account Name : XXXX  Account Number : XXXX Balance : {$2000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$44000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$3800.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I
Product: Money transfer, virtual currency, or money service

I have cash deposits an refund deposits that I still havent received just say pending on my cash app for this the second week They been pending they always takin my money but I have nobody to get in touch with an it really puts me in a hole my lights got turned off cause cash app held my check for no reason
Product: Debt collection

I Attempted to verify with XXXX however I don't think a full investigation is properly being done
Product: Debt collection

This company, Accoun t Discovery Systems i n New York ;  XXXX , called my place of employment and ask to speak with myself,  XXXX   XXXX , and also my employer, over the   XXXX   XXXX   He,  XXXX   XXXX , asked for the name of the   XXXX   person, and was advised by my co-worker that it was  XXXX , and  XXXX   XXXX  was then put on hold by  XXXX , as to send him to voicemail when he then hung up.  XXXX   XXXX  called right back and spoke to another employee,  XXXX , whom he told that he was calling for  XXXX   XXXX , and that he - XXXX   - nee ded to " make sure she calls me back. '' I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I reported the agency for this violation, and advised them do not call me at work again, nor my employer. They must contact me after work hours and not to disrupt my work day unless they wish to pay my salary.   Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2022, as I needed help with my studying, I found tutor in website called XXXX XXXX XXXXs and paid them {$180.00} through XXXX as per their request. it was my first time to use this kind of service, so I thought it was normal to make payment like this. 
They assigned me a tutor and later said, to help with my studying, they need to setup a special software on my laptop and it will cost {$400.00} for a deposit as they need to borrow it from another company. He said multiple times that I don't need to worry as this is totall refundable. So I transffered {$400.00} through Chase XXXX again. after transferring the money, he said he didn't get it and asked if I can send the money again and once they receive the money, they will give it back to me. I refused it. on the next day, they said we got an another problem, need to install some other software, and it costs {$200.00}. so I need to pay for it. I refused it. They were like they will give me back the money. I refused it then they ghosted me after that.
Product: Credit reporting or other personal consumer reports

I am requesting your help in regards to this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help.
Product: Vehicle loan or lease

Despite repeatedly requesting monthly statements for the duration of my loan, I have yet to receive them, neither in paperless form nor by mail. Furthermore, since 2021, I've asked for any additional payments to be applied to the principal. However, I've neither received confirmation of this being done nor obtained statements to verify its completion.
Product: Credit card

I have a store credit card with Walmart. Several months ago, I had a balance, but because I was about XXXX days late, they took about half of the amount as a late fee, instead of charging it to my account. This month I went over my balance XXXX {$2400.00} XXXX by {$53.00} and change, and got a payment due of about {$170.00}. If I had not gone over, my payment would have been {$68.00}. I do n't think they should be allowed to charge the consumer like this. I sent an email for an explanation of why they charge like this, but so far no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my cash app card was stolen. on XX/XX/2023 {$46.00} was withdrawn from an ATM fraudulently without my permission/authorization. The despite was denied 3 times finally I decided to go further and here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of my account with Navy Federal Credit Union. This account has been inaccurately marked as " verified '' on my credit report despite my previous requests for validation, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to the FCRA, you are required to ensure that all information reported on my credit file is accurate, complete, and verifiable. To date, Navy Federal Credit Union has not provided any sufficient documentation that proves the validity or accuracy of this alleged debt. Specifically, they have failed to provide : 1. A copy of the original contract and agreement associated with this debt. 


XXXX. A detailed breakdown of how the balance was calculated, including any fees, interest, or other charges applied to the account. 


XXXX. Evidence of my liability for this debt, showing my signature or acknowledgment of the obligation. 


XXXX. A statement from Navy Federal confirming that they legally own the debt and are entitled to collect on it. 



Under Section 1681i of the FCRA, as a consumer, I have the right to dispute inaccurate or unverifiable information, and you, as a credit reporting agency, have a duty to conduct a reasonable investigation. The fact that this account continues to be listed as " verified '' without proper documentation is a clear violation of my rights. 

I demand that this account be removed from my credit report immediately due to the lack of evidence supporting its validity. If Navy Federal Credit Union can not provide the proper proof within 30 days, I expect this negative entry to be permanently deleted from my file. 

If this matter is not resolved in accordance with the law, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil action under the FCRA for damages. 

Please confirm receipt of this letter and provide me with an update on your investigation within the statutory time frame of 30 days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Request for Removal of Collection Accounts Under 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing to dispute the following collection accounts that have been reported on my credit file : Collection Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX  Account Name : SXXXX XXXX XXXX XXXXXXXX Account Number : XXXX As outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), I am exercising my right to request that all communication regarding these debts cease, as I believe these accounts were not properly handled under federal law. Given the lack of appropriate communication, I respectfully request that you remove these collection accounts from my credit report.

These collection accounts have negatively impacted my livelihood, credit score, and my ability to obtain credit. I would appreciate your prompt attention in correcting this matter and deleting these accounts from my file. 
Please conduct a thorough investigation and provide written confirmation of the results. If you need any additional information to verify my identity or the details of my claim, please contact me using the information provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The manager at First Heritage Credit calls me several times every day even when I am just ten days past due even after I made arrangements. This has been on going for months. I told her I would pay this evening when I got off work online like I always do. My note came due on the 15th, she has called every day since several times, and today called my references. I already had an arrangement. She is harassing me every day.
Product: Debt collection

I am not liable for this debt of {$340.00} with CREDENCE RESOURCE MANAGEMENT account XXXX I dont have a contract with CREDENCE RESOURCE MANAGEMENT, and no one can provide me with this original contact.
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in

my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Checking or savings account

Please do not mark this as a Dino are because its not. First my credit union refuses to give back but a small portion of funds stolen. Then Im out of town snd I find out they took my debit card from me because of fraud. Fraud wasnt my fault. I do have just an atm card. Upon getting home I go thru my history and find that my daughters soon to be x husband stole my card and used it. While I was with my ill daughter her husband had cameras set up snd I know thats how he got pin. When you log into their system it asks for a pin. My daughters soon to be x hasnt. Even able to be evicted cause of COVID. This man also stole my clothes snd all my belongings I arrived with. He stole his uncle clean car many times along with his valuables. The police were notified. But my credit union wont help me. They arent giving my money back to me and I dont know why. I am the victim and who are they to say anything but I believe you. I told them to pull camera footage and they will see but they would rather ruin my life. The XXXX they refuse to give back from last hack was for a house which is now gone snd this money was for XXXX which is ruined and I have no money to buy my kids gifts or food for dinner. I get that my luck is back snd thats exactly why he did it. His uncle caught him breaking into my daughters room as we slept one night so I know he broke into mine while I slept snd took my card. I told them to feel free and call the uncle! This XXXX memory I will never get back snd I have changed banks as of yesterday but I will not stop fighting for what was mine and stolen from me. They had no right to tell me Im a liability. That is prejudice snd discriminative towards a victim! I am seekin ball monies that were stolen. Bit for this claim the XXXX! I will find a way to fight for the XXXX they refuse to give back! I also want banks to be responsible with their advertising. They cant say our money is safe then when its hacked they blame us and refuse to give back! Thats not being safe thats just wrong!
Product: Debt collection

On XXXX XXXX I mailed out a 0 % interest check from XXXX   XXXX XXXX to TD Bank in the amount of {$9000.00} to be applied to our equity loan to help pay it down at a lower interest rate. When I received my statement from TD Bank the {$9000.00} had not been deducted from the balance. So I called them to ask why and they said They never received it. I then went to XXXX  XXXX XXXX in my home town of XXXX Ma and they were able to fax me over a copy of the check front and back. The check was made out to TD Bank and had my account # on it. On the back of the check it was signed by XXXX XXXX. I spell my name with a phen not ven and the check was made out to TD Bank, no one but TD Bank should have been allowed to cash it. There seems to be no paper trail of any kind. The information on the back of the check looks like it was smeared and can not read it at all, but the signature XXXX XXXX is very clear. I am XXXX XXXX but that is not my signature. XXXX XXXX XXXX opened a fraud case on XX/XX/XXXX and closed it on XX/XX/XXXX saying " Based on your account history, this charge is consistent with previous charges with this merchant. '' I went right down XXXX XXXX XXXXXXXX and they called their fraud dept and explained and they reopened the fraud case. On XXXX XXXX I received a notice they were closing the case. now I am responsible for paying the TD Bank loan for {$9000.00} as well as {$9000.00} to XXXX XXXX  XXXX. I Then Called XXXX XXXX XXXXXXXX and spoke to a representative who help me to take advantage of their 0 % interest check the only difference this time is they sent it out to TD Bank. I gave them the account # and address and I was very worried about doing this but that's why I had them send it out they sent it out on XX/XX/XXXX and TD Bank still hadn't received it on XX/XX/XXXX so they set up another fraud case to investigate. It was finally Cashed on XX/XX/XXXX and XXXX XXXX got TD Bank to remove the charge off of my TD Bank equity loan but XXXX XXXX sent me out a letter XXXX! XXXX asking me to contact TD Bank to set up a payment research case and to provide to them the proof of payment to assist in their research. I Truly believe someone from TD Bank is doing this. What is the likelihood of two checks going it to fraud and no one can figure out where the {$9000.00} dollars went. and no one but TD Bank should have been able to cash that check. Someone from the inside who knows the system must be responsible. Please help me I have been trying to get help and no one seems to be able to.