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 {$3000.00}. 
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 ACCOUNT 1. 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.
Product: Debt collection

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CREDIT MANAGEMENT  XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX GAS AND ELECTRIC Collection XX/XX/2023 Collection account. {$3100.00} past due as of XX/XX/2023. 
XX/XX/2023 {$3100.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$3100.00} {$3100.00} 1 Month Individual Contact Info : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX payment history THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Upon logging in to my coinbase account last week I saw a message that said that sending crypto was blocked until XX/XX/XXXX for 'precautionaroy measures '. 

" Crypto Sends Restricted As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto until XX/XX/year>. Please try again after this date. '' I reached out to customer support and asked them to remove the block ; I verified my identity with them as they requested and they said that they would review my account and get back to me. The next day I received an e-mails aying " XXXX XXXX, We have completed your account review, and buy/deposits/sends services remain XXXX at this time. '' Needless to say this is totally unacceptable, as I do not want to keep my crypto on the exchange, but rather would like to send it to cold storage. 

I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXX XXXX {$25000.00}
Product: Credit reporting

A number of items are showing up on my credit report that are inaccurate. I took the time to send debt validation letters to each inaccurate account on my record. Most, if not all of the creditors never took the time to properly validate my debt. Most did not even respond to my validation letters. 

I sent a dispute to the credit bureaus showing all of the documentation ( including certified mail receipts ) in order to prove that the creditors had not properly validated my debt and ask that it be removed from my account as is my right by law. Equifax replied by mail to tell me that all of the invalidated debts were still mine and staying on my credit report. As I start to look for a house, I am sure that these collection accounts will keep me from getting a mortgage even though the debts have not been validated as is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Best Serv Co ( collection agency ) has reported a debt on all 3 credit bureaus after my dispute that the debt was paid many years ago. They are collecting for XXXX XXXX. XXXX XXXX and I had a dispute over product that I paid for and returned. They charged off the debt in XX/XX/XXXX despite my dispute and documentation. Best Serv Co has re-aged this account on my credit report in violation of FCRA Section 605 ( c ). They are showing that the account opened in XXXX. I informed them I did not agree with the account, the balances etc and they just ignored me and now illegally report the debt using strong arm techniques. The account is over 4 years old regardless and past the statue of limitations. It is also being duplicated by XXXX XXXX and Best Serv Co was informed of this. They also just list themselves as N/A on XXXX so that I can not dispute properly
Product: Credit card

My credit card was charged through my XXXX account when it was hacked. I reported the fraud to XXXX and they said they would remove it. When they didn't I disputed it with my Credit Card company Citi Bank. Last week they closed the investigation saying I owe the charges. I spoke with Supervisor XXXX in the Fraud department and after asking me if I had every used XXXX in my life and I said yes she said then its not fraud. She refused to hear the details of my card being hacked. I have spoken with their department multiple times and they are just giving me the run around. The Fraud happened on XX/XX/year> and the Dispute began on XXXX. Today Citi charged me {$1300.00} and {$330.00} in my account
Product: Checking or savings account

Called in the last week of XX/XX/XXXX to close an account. Was told I can't unless it was XXXX. Was told that final balance checks are not mailed. 

Transferred money out to XXXX  the account. A {$12.00} fee was applied when my account balance dropped. 

Called again to close, was told they can't close or attempt to dismiss the fee because it was pending. 

Called again on XX/XX/XXXX after the charge posted and was told they won't dismiss the fee because it followed the rules. Also told I can't close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax, XXXX, & XXXX regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I called Experian to tell them that they needed to update my address on my credit profile and that the addresses that are on my profile currently are either no longer associated with me or were never associated with me. They refused to delete an old address that isnt associated to me. 

XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name # XXXX XXXX XXXXXXXX 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 XXXX, XXXX XXXX XXXX XXXX has violated my rights. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, Trans Union, XXXX, and XXXX any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy.

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates.

15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers
Product: Credit card or prepaid card

Hi, last time I use my credit card was In XXXX. And in XXXX XX/XX/XXXX I was received a text from the credit card company how is a fraud in my account I was go in my account and I was see XXXX transactions what I didnt made, right away I called the bank and I was let them know is a fraud in my account. I open a claim right away and after XXXX month the bank was mail me how Im responsible for that transactions because was used the chip and they cant do nothing about it. After I was go to the police and I make a police report and I also go to the store from where was make the purchase and I asked the store if they can give me the receipt and at the store I give them the credit card and they was looking in they computer and they said they dont have nothing buy with this card in that days they was let me know the last time this card was used was in XXXX XXXX. The credit card company name is Citi Bank Best Buy and the purchase was made at Best Buy XXXX XXXX in XXXX XX/XX/XXXX the amount of XXXX XXXX and the other one was made at XXXX XXXX station in XXXX XXXX XXXX I XX/XX/XXXX I reopened the case again and I provided the the police report number and I asked the if they can provide me the receipt. I XX/XX/XXXX I called again the credit card company to see way they didnt credit my account back until the dispute or case is done and they was let me know that when I open again the case they closed right away they didnt give me a explication and the credit card company didnt notified no mail no email nothing. Thanks I advance
Product: Money transfer, virtual currency, or money service

I applied for a job on XXXX from a job from XXXX XXXXXXXX. I get a text on XX/XX/22 saying I got the job for a XXXX XXXX XXXX but needed to pay for equipment. I spoke to my hiring manager through XXXX and call. They were supposed to send me a check but it was running late so they emailed me the check front and back and had me print it out. I deposited the check through my bank using mobile for the amount of {$3500.00}. only partial went through {$400.00} I then transferred through XXXX to XXXX XXXX XXXX a amount of {$400.00}. I get a call from my bank saying the check is fake and my account will be closed. I go to my local bank wells Fargo and speak with a manger and clear everything up proving I was defrauded and scammed under the pretense I was getting a job. I was told my account would be on hold until the XX/XX/22 and the negative {$400.00} charge would be removed. I call today to wells Fargo and my hold on my account is removed but they will not remove the negative balance of {$400.00} saying that I'm responsible. The XXXX payment was on hold for two pending and they still let it go through despite the money coming from a fake check but I'm responsible.
Product: Debt collection

Do you know how many years and times we tried to get USAA to do the legal thing. XXXX Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
Product: Mortgage

When our HELOC with Citizens aged out, the bank solicited us for many months by mail to try a different loan product. It was not called a mortgage, but it turned out to be a mortgage. Because of the pandemic ( I assumed ), it took SEVEN MONTHS for the bank to get the paperwork together to complete the loan. This mortgage has then been in computer chaos since it began in XX/XX/2021. I have talked to the bank by phone many, many times, always assured everything is, or will be, fixed. I can not see my loan online, can not see payments, problems, etc. No one knows why? We have NEVER been in the position to not-pay our mortgage, but our Auto payments were not registered, or get stuck " in suspension. '' At times I see no money coming out of my paying account monthly, yet the bank worker insists she sees the money paid and " in suspension, we are just waiting for it to be released, just wait a few more days. '' The loan was originated in their " Loss Mitigation Dept, '' although >>we have never missed a loan or mortgage payment<< with them before, and the procedures for interacting with this department are very insulting *Wait times on the phone are consistently one hour or more, I have waited that long quite a few times* but this is not manageable anymore at my job, so the bank is unreachable by phone! Then I am told auto pay is set for the wrong amount, so our payment is rejected most months. The bank promised to fix this *for 6 months or more* but nothing has improved. I get letters saying I am in default, but then am told it is on auto-pay, why am I trying to pay again? The bank has destroyed my credit score so we are unable to apply for a replacement loan at any other bank -- we are literally being held XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/year> and XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX and # XXXX.
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX, I made a XXXX SEPA transfer from my XXXX Bank Account to Coinbase Account in XXXX XXXX Account. I noticed something could go wrong as I made the transfer in GBP to their XXXX account. 

So on Thursday XX/XX/XXXX I sent them an email ( XXXX ) asking them to look into the transfer and to tell me what was going on. They gave me an automated template reply and that was it. 

On XX/XX/XXXX I sent them another e-mail asking for information again. 

During the following 10 days, I spent my time searching the net for contacts, feedback from other users and sent a couple of XXXX to Coinbase account. Nothing still. 

On XX/XX/XXXX they finally replied telling me how to do a SEPA transfer. Nothing relating to solving the issue. 

XX/XX/XXXX I called my bank ( XXXX ) and they confirmed the money had been received on XX/XX/XXXX and it would most probably what is called a Holding Account. So I took that information and sent them another email with all the details of the transfer. Name, date of transfer, amount, IBAN, SWIFT, Unique Transfer Reference Number and Account Reference Number. 

On XX/XX/XXXX, 3 tickets later, I sent them another email, this time threatening action. 

On XX/XX/XXXX, they finally email me back asking for proof of transfer. A screenshot of the payment that shows the IBAN and a portal address for me to upload to. I did straight away. 

Until now, nothing else. 

I understand I made a mistake. I 've never done a SEPA transfer and the currency option got completely overlooked. BUT 13 working days for a transfer that should take around 1-3 working days is a JOKE. 22 days in limbo without knowing what has happened to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with TransUnion in regards to a company by the name of XXXX XXXX, In my dispute I stated to TransUnion that I need original documentation that will solidify their reasoning to believe I am liable for this debt. After TransUnion investigation they came back and deemed this account as verified, but did NOT provided me with supporting documents. This leads me the Investigation done by TransUnion was improper and incomplete.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX, XXXX from XXXX XXXX XXXX, and XXXX XXXX There are some accounts I don't recognize and inquiries I didn't authorize.
Product: Credit card

Call Synchrony Bank, XXXX XXXX account to closed my account on XX/XX/year>. I paid off the current/statement balance. Will no longer be using the card and they actually charging me an interest charge and I have used the card in month. Told the representative to close the account. Not fair that you have charged me interest charge on the card when I have used the card. They sent a letter about lowering my credit allowance. I specifically told her to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX as the sales person offered a discount to do so. The charge was only {$35.00}! I had moved due to an environmental issue with our home and had mail forwarding but never received the bill to pay. I tried to pay but the account was closed due to late charges which I had never seen! I had contacted XXXX XXXX several times to pay the account off but told it was closed. I am very upset about this as it has severely affected my perfect credit score! This is the only XXXX mark on it! How terrible XXXX XXXX Citibank is! I now want a home loan and have to pay a higher interest rate because of this XXXX account! I would have gladly not opened the card if I had known how XXXX XXXX Citibank does this to people. Come to find out this is not the only case! People not receiving their statements and credit scores being affected! I am done with XXXX XXXX and Citibank. They need to be investigated!