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 {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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
Product: Checking or savings account

Bank of America held my money for 30 days XX/XX/XXXX to XX/XX/XXXX it was a bank of America check I deposited into there ATM.
Product: Money transfer, virtual currency, or money service

I have recently refinanced. 

New lender ( XXXX XXXX ) sent payment to old lender ( Specialized Loan Servicing ) thru title company ( XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX in the amount of $ XXXX Old lender claims they haven't received money to date Title company has shown proof of payment thru fed ref number and claims money is pulled out of their account. They also claim new lender 's bank has the money. 

I am liable now for both loans.I have discussed with all parties and all parties are standing by with their claims. 

What should I do and how can I resolve this issue.
Product: Checking or savings account

My escrow account with Bank of America has been placed in my name, and under the social security number of my father- XXXX XXXX. It was reported and then changed to my social security number and my name with XXXX XXXX XXXX. All of the contents of the account are cheques that were made to my order, and in my name. The account belongs to me, and Ive never signed a power of attorney or intend to. Numerous power of attorney documents have been forged. I never gave anyone the consent to do business on my behalf or to be my guarantor. I am being held in blackmail for my escrow account. The money involved is attained from my defamation of character lawsuit settlements and from other related lawsuit settlements. My family has been taking my money from lawsuits that they file using me as the subject for. They have been taking numerous lawsuit cheques and other cheques and reproducing them in their names, depositing them and also illegally endorsing them. My mail has been forwarded to numerous addresses and the people whom have forwarded the mail have been taking my settlement cheques. The escrow account is being changed from person to person without my consent. I never even went to court for appearances for the ownership of this escrow account and many have warranted that they won lawsuits that gave them access and ownership for my escrow account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC 1681. 

Acct XXXX XXXXXXXX # XXXX, Acct XXXX XXXX # XXXX, Acct XXXX XXXX # XXXX, Acct US DEPT ED # XXXX, Acct XXXX XXXX XXXX # XXXX, Acct XXXX XXXX XXXX  # XXXX, 15U.S.C 1681 section 602 A.STATES I have the right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I got my XXXX XXXX in XX/XX/XXXX for {$14000.00}, APR 23.23 % for 72 months, from Consumer Portfolio Services.. I've paid 90 % on time payments. I still owe {$9800.00} I've paid {$12000.00} in interest fees. I even was making extra payments {$200.00} a week and none of it was going to principal.. All my payments are going to the finance and not the principal. I've asked when my loan will be paid off they won't give me an end date. They say they're extending my contract to 96 months, even with that there's no way my loan is going to be paid off.
Product: Debt collection

I attended The University ( XXXX XXXX University ) under Chapter XXXX. An assistance program for XXXX veterans until stricken with advanced congestive XXXX XXXX and hospitalized. Since the VA paid the university for my schooling i had to set up payments to repay some of the dispersed funds to the VA and did so over the course of 2 years. The university claimed that i owed them monies as well but my school was being paid for by the VA. Obviously an attempt to swindle further monies from a XXXX veteran. I have since been harassed by debt collection agency ( Key 2 recovery ) who has made negative reports to my credit and threatened further legal action against me.
Product: Credit card

On XX/XX/XXXX, I opened a Chase Marriott Bonvoy Boundless Credit Card. The original account opening bonus was XXXX Marriott points after spending {$5000.00} in 3 months. I was planning to use the points during this XXXX. Later, I saw a new account opening bonus of 5 free nights after spending {$5000.00}. So, on XX/XX/XXXX, I called the card customer service to match my account opening offer to XXXX free nights. The customer service agent promised me that my bonus would be changed to XXXX free nights after I spend {$5000.00}, and it will be posted on the billing date, which is XX/XX/XXXX. 

However, on XX/XX/XXXX, the old bonus of XXXX points was posted on my Marriott account. I called the customer service several times to resolve this issue, and they asked me to wait. So I waited and didn't use the points that was planed to be used during the XXXX trip. 

On XX/XX/XXXX, I finally received a letter saying they could not fulfill their promise. So I contact the chase executive office with email. On XX/XX/XXXX, I got a phone call saying after their investigation, they did find that the customer agent promised me XXXX free nights, but it was an error on their side. And they still won't fulfill their promise. 

It is unacceptable and frustrating to me that after the wait and promise, they still did nothing to resolve this issue. If they refused the matching initially, I would have used the points during this XXXX, which is fair. However, they made a promise and I waited and didn't use the points, there should be some compensation at least.
Product: Credit card or prepaid card

capital one credit card was connected to checking acct. until CAPITAL ONE CLOSED BRANCHES.I clearly asked them not to go OVER {$1500.00} on limit, by calling CST CARE. I was fine paying Monthly under {$70.00} and now am getting PAYMENTS of over {$210.00}!! That '' s almost half of my MORTGAGE House payment. I work XXXX hours daily and DO NOT have time to call and wait for assistance on 30 min. Lunch.All I do is by text or EMAILS. I know I OWE the card. But, am single and with no EXTRA help, and feel I should file BANKRUPTCY if Credit card payment is that high! i would like to stay with PAYMENT of {$65.00} as ALWAYS. I don't understand, when I hardly use card, how it went up so high
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company XXXX XXXX XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Happy XX/XX/XXXX ... ..on XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!
Product: Money transfer, virtual currency, or money service

Old roommate stole all my personal documents and has been attempting to open accounts in in my name, file tax return in my name then changed all my information w irs, Im going thru identity theft now. She has gain access to cash app and got ahold of my bank accounts. She has a history of counterfeiting and fraud. No one is taking me seriously it seems Ive gotten no results at all thus far
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX  card and have paid 50 % of the balance yet they dont report that do they?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXX  Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX XXXX Balance : {$380.00}
Product: Payday loan

I took a loan with Big Picture loans. They were supposed to deduct the first payment on XXXX XXXX. I checked and it was not done. I called to ask why and they said they did attempt to deduct it but my bank denied it saying I stopped payment on it. I checked with the bank and no such thing happened. They then said they would deduct starting XXXX XXXX. No deduction and today I get a message again saying that my bank denied it and that I had stopped payment on it. This is totally incorrect. I feel these people are taking me and eventually will tell me I am past due when they are obviously not deducting the monies. I am not going to contact them again this time as they are lying. My bank said no attempt was made by them to deduct monies and there is no record that I stopped payment. They already want to charge me {$30.00} for being late when I am not late it is their fault. These people need to be stopped.
Product: Mortgage

I filed complaint Chase refused to admit XXXX modify was not legal since then I have document prove XX/XX/XXXX i was denied modify so they had no right to move alone and extend me 30yrs start my loan over the approval on XX/XX/XXXX that I signed no witness was not suppose to continue once denied they refuse to admit denial letter is proof i was victim preditory pending want start loan over so XXXX XXXX Chase XXXX XXXX XXXX could continue profit since my principle on top i was no longer an asset never gave copy of executed modify one with my sign on it not even dated so when was it approved Chase claim they notify me by phone on XX/XX/XXXX tell me approved denial letter never mailed i searched until I got to bottom of it XXXX received letter XXXX_behind had 32day pay which cause the XXXX letter to forclose default now XXXX all from one month behind XXXX XXXX paid XXXX appraisal came forbearance agreed upon still penalized for making less then regular payments led to XX/XX/XXXX approval denial modification no trial period no witness no default all fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$460.00}
Product: Debt collection

Good evening - I have contacted this company a total of four times since XX/XX/XXXX. The latest certified letter was sent to Portfolio Recovery on XX/XX/XXXX requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. Twice I received a letter billing ledger as validation. This ledger does not assign the debt to me and frankly, it looks like someone in the office drafter the ledger. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
Product: Checking or savings account

This follows up on an earlier complaint I filed with the Controller of the Currency. The Controller forwarded the complaint to Chase. Chase 's reply to Case XXXX is attached here. 

I may have filed my complaint with the wrong agency and should have started with CFPB. The Controller 's office did forward the complaint to Chase, and Chase did copy to the Controller their response to my complaint. Otherwise, I have not had any contact with the Controller 's office. 

I have noted my comments in the margins of Chase 's attached response. Briefly, I still believe that the impounding of deposits for 11 days is unjustified in this electronic age. My deposit with Chase was transferred instantly from my account with XXXX XXXX to Chase. Chase had control of my deposit ( {$35000.00} ) on the day of the deposit according to statements from both banks. If the deposit had been forwarded to XXXX XXXX by XXXX, as was apparently the situation when this impounding was originated, I could understand it. Today, the practice continues because it is ( a ) an interest-free loan to receiving banks, who undoubtedly resist any change and ( b ) because it is not important enough for regulatory agencies to pit their limited resources against the platoons of lawyers the banks would mobilize to continue the practice.
Product: Mortgage

Carrington mortgage has bought my loan from XXXX XXXX XXXX, since they have, my account has been mixed up with another account. My payments have been misapplied and messed up since. Now they are trying to foreclose on my home and will not fix the solution so we can continue my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including ) but no resolution or help has been met.
Product: Debt collection

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious