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 {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

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

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because these 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote a letter to TranUnion asking for all negative items to be dispute. To date they are in violates of bot responding to my letter within the 30 day time frame.
Product: Payday loan, title loan, or personal loan

I have had a XXXX loan out for a year and they have never explained to me the interest I was struggling like now and making payments when could had I been told anything about how that it was only interest accumulating beyond the amount I have out no one reports to credit bureau and I feel like I have been and am being taking advantage of
Product: Student loan

On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.
Product: Debt collection

Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I filed chapter XXXX back in XX/XX/XXXX and was told by my attorney that i may have to hound our mortgage company about reporting to credit bureaus after a year has gone by, so in XX/XX/XXXX we called the mortgage company and asked them to start reporting and they said we need to send a request, which we did on XX/XX/XXXX, then a phone call from them days later about due payment we asked about our request and was told its company policy not to report as of XX/XX/XXXX a policy they have. We think its unfair to us, we are trying to rebuild our credit and them not reporting is holding us back, they said its looking out for their interest. We called out attorney today XX/XX/XXXX and asked him about it and said they cant be forced by him but we could hound them and possibly they would start reporting so we faxed another request to them today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS FALSELY VERIFIED INACCURATE INFORMATION ON MY CREDIT REPORT - ONCE AGAIN!

TRANSUNION HAS NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, TRANSUNION has FAILED to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ).

Under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

PLEASE BE AWARE ... ... .The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ).

If you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has never been late
Product: Payday loan, title loan, or personal loan

XXXX XXXX  loan has taken money out of my account after I revoked my authorization and refused to refund my money that I needed for other bills. XXXX XXXX loan refuses to give me a payment I can afford. All I get from them is threats of escalating collection.
Product: Credit reporting or other personal consumer reports

I'm reviewing my credit report for TransUnion and looks like there's an unauthorized hard inquiries. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Business Type : Finance other than personal XXXX XXXX  Date of Inquiry : XX/XX/year> Business Type : Finance other than personal XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Business Type : Automotive
Product: Credit reporting or other personal consumer reports

Two different XXXX  accounts with payments of {$1400.00} and {$920.00}. I have submitted two different disputes for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an electronic dispute for various incorrect information and accounts on my consumer report with experian on  XXXX / XXXX / 17 . I received an email on  XXXX / XXXX /   17  saying that the investigation was complete and nothing was corrected on my report. They clearly did n't try to contact the companies that were disputed for updated information in such a short time. I have contacted the other bureaus about this same issue and they have deleted the errors. I am being negatively affected by experian 's negligence and I am facing significant financial repercussions due to this false information in my report. Dispute #  XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Student loan

I was placed into administrative forbearance on XX/XX/XXXX. 2024, but Mohela still accepted a payment of {$190.00} from me on XX/XX/year> ( processed on XX/XX/year> by my bank records and on Mohela 's website ). 

I reached out about this issue multiple times and the last response I received on XX/XX/XXXX informed me that Mohela has no record of this payment. It shows clearly in my account history and I have a bank statement screenshot showing that I did make this payment. 

This is a straightforward issue, and yet, I have not been able to resolve it through Mohela. I sent another message today, but am submitting a complaint through CPFB simply because Mohela has the worst customer service I've ever experienced. Each time I've called in the last two months there have been wait times between 30 minutes and 90 minutes. I was on hold for 28 minutes one time, spoke to a rep who couldn't help me and was referred to a 'more advanced ' rep who never picked up the phone after over 90 minutes of wait time. This company never has a problem taking payments, but can't seem to figure out how to help the customers they serve.
Product: Debt collection

I have formally requested by certified mail that LVNV Funding LLC C/O XXXX XXXX XXXX provide me with validation of the three accounts # XXXX, # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debts, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any ensuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided any validation.
Product: Student loan

When I filed out my Income-Based Repayment ( IBR ) for 2018, I went to the student aid government website but somehow got redirected to my fedloan website. FedLoan is 1 of  my 2 loan servicer 's. I filled out my IBR on fedloan.org, instead of the federal student aid website. I had never done that before and did not realize American Education Services ( AES ) didnt get my IBR. AES also did not have the correct contact information for me, even though I have had the same telephone number for over 15 years. Once I finally realized the mistake, I filed out my IBR for AES. Usually when I fill out my IBR, my current balance decreases, or is zerod out. With my other loan servicer FedLoan it decreased b/cthey immediately applied a forbearance to the outstanding amount owed before my IBR was processed. However, AES my 2nd loan servicer never applied the forbearance and let that large amount carry over each month. I noticed it was being carried over, but in the past it has taken a few months for that decrease to show up on my bill. I also recently noticed they were charging me a {$40.00} late fee as well, even though I was making my IBR payments on time. After receiving several bills with the large balance, I just went ahead & paid it in full. In the meantime, I had been making my IBR payments on-time every month. Currently, AES has reported me to all 3 credit bureaus as being over 180 days late even though I have been making my IBR payments every month on-time. 
I sent American Education Services a letter only requesting that they change my late status to all 3 credit agencies as on-time, however they denied my request. When I looked back at my online bills I noticed the late fees AES was charging me. I believe they never applied the forbearance and have no desire to work with borrowers so they can scam more money out of people. The late fee is almost {$40.00} a month. I was being charged {$40.00} a month for 8 months even though I was making my IBR payments on time. FedLoan servicing received my IBR, applied my forbearance and I have had no issues what so ever. I'm sure if you look further into American Education Service 's business practices you will find other victims of their fraudulent, and dishonest activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.
Product: Credit reporting or other personal consumer reports

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX
Product: Debt collection

I have tried to get Information on original contract and history signatures. Nothing in writing is supplied that makes debt valid that I am liable. The company is DRS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1.XXXXXXXX XXXX {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And XXXX, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies Experian, XXXX, and XXXX should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request this time, I really need these items to be corrected as soon as possible. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I received a call from the Wells Fargo number that I have saved on my phone asking me if I authorized a transaction for {$300.00}, I said no, and they ask me to please update my password, and I did it, also he said that he will block my credit and debit card just in case. After that, I got an email saying that I changed successfully my password and block my XXXX  transactions. On XX/XX/2024 while I was working, I got another email saying that I successfully changed my address to an address in XXXX that I did not recognize. When I finished working, I called Wells Fargo customer service and told them what happened, they said that probably someone has called me but that was not Wells Fargo, I reported everything and I told them that I don't know that address, I live in XXXX, Florida, and I asked to please do not mail any debit or credit card because that was not me, the person on the phone supposly took care of the situation and said that they will block the cards right away before they get them. Until XX/XX/2024 when I got back from my job that I logged in my on line banking and I noticed transactions and a new balance, I started crying because I'm a hardworking person who makes a minimum for a living, I called the bank with my daughter multiple times, explained the situation, I was working and the transaction where made in XXXX a city like 2 hours from where I lived. They did 2 withdrawals for {$800.00} and {$200.00}, they make purchases, they called and did a tele transfer from the savings to the checking account for the amount of {$3500.00}, until XX/XX/XXXX that I called multiple times because they keep using my account. I started with a balance of {$2700.00} in my checking, and savings {$4900.00} total of {$7600.00}, and now I have around {$4000.00}, still missing around {$3600.00}. I have been fighting with the bank for 4 months, calling, going to the branch, losing days of my job, being mistreat and discriminated by the branch XXXX at the wells fargo XXXX at the XXXX branch, and I still don't have any answer from them just saying that they are still investigating the issue, I have the proof when I called to report, when I received the emails, when I called customer service to report that fake address and they still did not block the cards and allowed them to use them and still my money. I did not touch the money that is in the bank because I don't want more confusions, now I'm living day to day and I don't have money for anything, please help me, I don't have the resources to hire a lawyer, and they said that the money is safe and secure up to {$260.00} but is not true because I don't have my money back. I have made like 15 complaints in person and over the phone, and they closed the case multiple times because they said I authorized those transactions without proving that it was me, I also have a letter and a paystub from my job proving that I was working those days where the transactions were made XXXX XXXX  to XXXX XXXX. During that time, I can't even answer my phone. Please if you need to call, you can call my daughter XXXX XXXX XXXX to XXXX
Product: Credit card or prepaid card

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.