23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : This letter confirms the conversation I had with XXXX XXXX on XX/XX/XXXX about my request below. 

I am the owner of account # XXXX. 

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # XX/XX/XXXX {$3900.00} XXXX XXXX _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 

Account Number : XXXX XXXX XXXX XXXX Transaction alert : XX/XX/XXXX Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. I am a victim of identity theft, and I did not make this charge. Chase bank had been contact me and denied to help me with this fraudulent transaction. Chase Bank was giving me confusing statement and explanation. They said they won't help me and reverse back the temporary credit for this fraudulent transaction by a billing cycle. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Please investigate this matter and correct the fraudulent charge as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. Sincerely, XXXX XXXX Enclosed are copies of the following documents, evidencing the fraudulent activity : POLICE REPORT # XXXX filed on XX/XX/XXXX Police got a foot tape video camera from XXXX XXXX and Approve that the card had been theft. 

This is a XXXX document. Page 1 of 2 Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 

Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared, which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution. The definition is found under title 15 USC 1681 section 604 section 2 states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer in which it relates. An opt out letter has been sent to XXXX XXXX on XX/XX/year>. A financial institution may not disclose nonpublic personal information without the consumer receiving an explanation of how the consumer can exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise my non-disclosure option. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission, which is against the law. 15 USC 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 the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 
12 CFR 1016.7 " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME '' SEE THE OPT OUT THAT WAS SENT TO THE FST PREMIER IN XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. Despite of the previous written requests, the following fraudulent items are still remains on my credit report in violation of Federal Law. The Three Credit Bureaus failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, which given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The apartment community XXXX  XXXX  had a civil court eviction case against me and 2 other parties in regards to the debt, they stoped the legal proceedings because they where going to owe us money for the unlivable conditions of the apartment our fridge was faulty did not keep any of our food fresh destroyed all of our grocerys the apartment never fixed or replaced ohr fridge it leaked water destroyed and molded the floors of our aparment we moved out in XX/XX/year> with a verbal aggreemnet that everything was settled they then charged off XXXX in rent to conservice which is a utility agency which i payed they then sold an illegitimate illegal debt to kimball tirey john, kimball tirey john illegally inflated the debt and then put it on all our records as individually responsible to try and collect the debt 3 times I have proof of the actual amount XXXX XXXX sold to them, the amount kimball states, the faulty fridge, and the conservice account
Product: Credit card or prepaid card

I opened an secured credit card account XX/XX/2021 with Navy Federal credit union for the total amount of XXXX funded with cash to build credit and I was told after XXXX months that I would be consider for a unsecured account in XXXX months after a review with the bank. I was also told if I was approved that they would match whatever had had in my savings account and add that to my secured credit card, so with that in mind I decided to put an additional XXXX on to my credit card to increase the amount to XXXX on XXXX XXXX I was approve for the increase and there was no issues. I noticed about a month later that my savings account was in the negative of {$2900.00} but me not having experienced with credit cards I assumed that it was an error on the bank end and went on with my life. Navy Federal never contacted me, Never sent an overdraft letter in regards to my account being overdraft. I didn't take the negative amount seriously until I called in asking information on how I can increase my chances of getting approve for an unsecured credit care three months after I signed up for the card and that's when the representative told me that I was reponsible for the negative account and wouldn't be elgible for the unsecured credit card until it was paid. I told her that that couldn't be accurate because the {$3000.00} was made and if it wasn't how why did Navy federal allow me to utilize the XXXX and charge me interest on the money for several months if the account was not in good standing or if they never received the initial required payment for the card to be issued. I got the run around, I got I don't know, I got well when we went in to take the funds out of the checking/savings account the XXXX was there so that's why your account is in the negative, so I said well it must have been a computer error or the payment was actually applied to the account through the the system by ach transfer allowing the XXXX limit increase and she said no we never received the payment. I contact serveral associates including branch managers and also requested an investigations on where my XXXX XXXX dollars went if they didn't get the payment and all I got was a packet of bank states for a year but nothing showing that XXXX XXXX dollars was not applied to the credit card. I am writing this complaint because I get at least three calls a week from navy federal in regards to this credit card and every time I tell them why I am not paying they still cant resolved the issues and I am still responsible for interest rates, late payment ect. I want this issues solved in a fair manner and I want all my money back plus interest.
Product: Credit reporting or other personal consumer reports

I keep getting preapproved credit card offers, build my credit etc that says odds of approval are great/high then I apply and get denied. Ruining my credit that I am trying to build! Then I get spam emails and calls from all kinds of places soliciting the same stuff
Product: Credit card

I was issued a Citi Credit Card with Costco after the shift from XXXX to Citi Visa. 
I called on multiple occasions to add my wife to the account so she too may have a card. Citi most likely has access to all the calls, I estimate at least XXXX10 calls were made to add her. Once added I was told a card would be in the mail soon, this was in mid XXXX. Two weeks later I call again, this time they send me to Customer Service who confirms a card was not sent although my order showed it was complete. So they said they would send a card. Nothing. 
I call two weeks later and again they say it was supposed to be sent but was n't and promise to overnight it. I am not kidding, but this happened now two MORE times! 
I have spent over 1.5hrs calling and waiting with Citi and they have not sent me a card they promised to send 5 different times. The last call ended with a supervisor promising to call me at XXXX XXXX on XXXX XXXX. It is not XXXX and no call has been received. 
These practices by Citi should be reviewed by the CFPB, I am being strung along and Citi is making promise they are not delivering on. All my calls and attempts have lead to nothing, and I have nowhere else to go.
Product: Debt collection

I have consistently wrote the company LVNV Funding to provide me information on this debt with my signature in the amount of XXXX. This account is not my debt LVNV only gives me Billing Statements from a XXXX XXXX XXXX. I have never had an account with LVNV funding nor XXXX XXXX XXXX. If LVNV can not provide me with my signature i would like this account to be remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX @ XXXX a dispute was received via certified mail to TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In this dispute, I requested for TransUnion to carefully investigate my formal write composed statement of unproven compliant misinformation that is all in part : deficient of adequate current status in fullness of truth and accuracy. 

TransUnion completed the investigation and stated the accounts were verified, however PROOF as I requested was given to me. 

On XX/XX/XXXX, I contacted TransUnion via phone, XXXX and requested the PROOF AND EVIDENCE of validation/ownership for the accounts marked as verified. I was told I can not have that information, when asked why, the representative stated TransUnion was not given any proof by the creditor. When asked how TransUnion verified the accounts, the representative stated each creditor was contacted to verify the accounts as accurate. When I began to ask what date they were contacted, who did they speak to, and what information was given to verify the accounts, the representative could NOT give me that information. I asked to speak with a manager, she stated the manager would tell me the same information. I requested to speak with a manager for a second time and the representative ended the call. 

On XXXX, I was transferred to a different department who stated, on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded to the dispute and advised the accounts were ACCURATE. On XX/XX/XXXX XXXX responded and verified the TWO Bankruptcy. When asked for PROOF OF VALIDATION, he advised me I would need to contact the lender. I advised the representative due to the information being reporting on THEIR website, Im requesting it from them. I was denied this request. 

Federal laws mandate that all potentially damaging or derogatory reporting MUST be substantiated by IRREFUTABLE testimony. Ensuring the physically verifiability of the CONFIRMED manual validation of any item. Upon the filing of this complaint, please return to or retain federally lawful reporting and immediately annul all allegations made against me as they lack physical evidence. 

I have disputed these items MULTIPLE TIMES, starting in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies on my credit report regarding the account with XXXX. Despite my consistent efforts to resolve this issue since XX/XX/year>, I have not seen any progress. 

The account in question currently shows XXXX late payments. However, I have never missed a payment on this account. In the past, this account was updated to reflect all payments as on-time, but it was later changed back to show late payments, which is inaccurate. 

I kindly request an immediate review and correction of this account. The ongoing misreporting and inconsistent updates appear discriminatory and unjust, negatively impacting my credit profile. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting

Today I received in the U.S. Mail a letter dated " XXXX XXXX, XXXX '' from " Equifax '' who is refusing to " delete '' the negative " XXXX XXXX XXXX XXXX '' entry of " Foreclosure '' off my " Equifax '' credit file. I filed for divorce on XXXX XXXX, XXXX. My ex-wife ( XXXX XXXX XXXX ) wanted our house in XXXX, California. So I moved back to XXXX, California. Around XXXX XXXX, XXXX, Family Law Judge XXXX XXXX ordered me in writing via a Court Order to " immediately turn over '' the home in XXXX to XXXX. So I did so. I did n't know until recently that she, not me, but she had STOPPED paying the monthly mortgage after I had physically moved out from it around XXXX XXXX, XXXX. " XXXX '' and " XXXX '', the XXXX other large national Credit Bureaus under the above " legal '' facts and they both have removed the " negative '' foreclosure status off of my " XXXX '' and " XXXX '' credit files. Yet " Equifax '' still refuses to do so. I even mailed " Equifax '' all XXXX pages or so of Judge XXXX XXXX 's Court Order and " Equifax '' is financially penalizing and libeling me for something that my ex-wife had 100 % control over because of Judge XXXX 's Court Order.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Product: Credit card or prepaid card

On XX/XX/XXXX th of of this year fortiva closed my account and failed to notify me in the thirty days register under the credit card act of 2009. XXXX a manager admitted on a phone conversation there negligence of fortiva. But he did not care.
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Product: Debt collection

I did signed as a grantor for a lease to one XXXX XXXX who longer longer live on the property [ he did told before he moved out that he has paid all outstanding debt ] until a collection agency [ Southern Managmentent Systems-+XXXX XXXX XXXX ] contacted me saying he not honored payment to an amount {$1000.00} and told me all their attempts to get XXXX failed.I did provide them with XXXX phone number and they confirmed he has acknowledged the debt and will make first payment on the XXXX/XXXX/15.Before this, southern management has gone ahead to place the debt on my records, their reason-they called me several times and could not reached me.When XXXX failed the honor the XXXX/XXXX/15 deadline one XXXX southern management systems called that, since XXXX failed I should start paid.I did paid {$120.00} with him agreeing to contact XXXX for payment of the rest.In XXXX I did not hear from XXXX of his efforts to getting XXXX to pay the rest of the money, I did paid {$220.00} anyways.Today XXXX/XXXX/15 I did respond to a missed calls from XXXX, in our talk I asked XXXX to tell me what efforts has has made so far to get the money from XXXX and also to removed the collection from my records since that collection report has made it difficult for me to make money [ can not longer trade stocks ] to paid off the debt.He told me he was not ready to do that and therefore report will remain in my records-he does n't care and hang up on me.Prior to this XXXX XXXX has always used verbal threats as mode of communication when he does n't want to answer my questions.He told me once his company does n't accept cheques ( which was my prefer payment option ) as a mode of payment, my checks on the company 's website proof this not be true-I have since told him he liar and any future liar to me will not be taken lightly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, my debit card, which was linked to my PayPal account, was hacked and {$300.00} withdrawn from my checking account through a PayPal wire transfer service called XXXX. My credit union and debit card issuer would not replenish the funds, claiming the issue needed to be resolved with PayPal. PayPal declined responsibility and referred me directly to XXXX. After many attempts, I finally got through to a XXXX representative but the company has not resolved this fraud nor returned my money to my checking account.