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 {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Product: Credit card

My XXXX account was hacked so I called them to find help. An employee answered and said would help me. They asked me for some information. Days later they called and said a hacker had all my personal information and was trying to use it. They kept caslling and asking for more information. Then I received a credit card fron XXXX that i did not request. They told me everything the hacker was doing would be cancelled by them. The first activity that appears in that card was un XXXX XXXX  Now XXXX is charging me {$6100.00} dollars in one charge and another for {$2.00}, XXXX. I contacted them and asked for an investigation, telling that I did not send that money to anyone. They answered that after investigating they inform me that the transaction was made by me. Now they are asking me to pay {$210.00} and {$29.00} as a a first payment. I made a complaint in the FTC. They rcomended me to get in contact with you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  calls multiple times each day. As they are permitted to call only 7 times in one week, they are violating credit card laws. I have records of each call they have made to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to GM Financial/ XXXX XXXX XXXX XXXX XXXX XXXX Thanks!
Product: Mortgage

My home is being foreclosed on by, and tried to get help with a loan modification, but Well Fargo will not work with me. I also mailed a QWR and Debt Validation letter, and they have not responded to either
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX
Product: Mortgage

Amerisave mortgage approved me for an unemployment deferment on XXXX XXXX through a verbal agreement until XXXX XXXX I received a letter from a different company ( XXXX ) and have not received any letters from amerisave but learned my sale date is XXXX i talked to amerisave and said the employee did not update in the sustem. It will not help in stopping the sale of the house even though I'm currently approved and in unemployment deferment until the XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contested the inaccuracies in the following information with XXXX, Experian and XXXX and unfortunatley, the issue remains unresolved to this day. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 

Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX- Inquiry XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX/ XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry - XX/XX/XXXX XXXX XXXX inquiry -XX/XX/XXXX EQUIFAX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX I mailed letter to each bank requesting proof of inquiry, and verification of my signature however no response has been received. I am unable to contact each bank by phone as they report they can't verify my information via telephone. All attempts have been made with no success. Please advice what to do next. I have no accounts related to inquires made with out my consent.
Product: Debt collection

I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint without any third-party involvement. I have attached letters to provide detailed information about the entries on my credit report. I have never had a contractual relationship with Diversified Adjustment Service , Inc., and I believe XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA 611, as it pertains to inaccurate reporting on my credit report. Please delete this account immediately due to the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

NAME- XXXX XXXX XXXX XXXX EMPLOYER- XXXX XXXX XXXX I am writing you FOR THE XXXX TIME to dispute XXXX Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXXXXXX XXXX XXXX XXXX, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX XXXX, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2010, XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXXXXXX XXXX and transunion is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and transunion and XXXX a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumers credit report is accurate and authorized ( 15 U.S.C. 1681b ). The presence of these inquiries violates my rights as a consumer, as I did not provide consent or authorization for them.

Unauthorized inquiries negatively affect my credit score and financial opportunities. If you can not verify that these inquiries were authorized, they must be removed from my credit report as required under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).
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 confidentiality under 15 USC 1681. 
XXXX XXXXXXXX, 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 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: Checking or savings account

First I was out of town and didn't know where a Wells Fargo bank was located. I believe I have signed up for texted messages when my checking accounts ( yes I have 2 ) drop below a certain level. So I ended up paying {$200.00} toward my Wells Fargo Credit Card on XX/XX/18 and then paid {$250.00} on the same card on XX/XX/18. This was a mistake but since I can't see pending transfers in the account I double paid. This threw my whole life in a whirlwind. I was charged {$17.00} because the bank had to transfer money from my savings into my checking acct. But also because of this double payment to one credit card, I never intended to make, i overdrew again. I had set up to pay XXXX, XXXX, XXXX XXXX each {$25.00} on XX/XX/XXXX but they were paid {$25.00} again on XX/XX/XXXX ... again I never meant to duplicate these payments. So I don't know what is going on but at my XXXX bank if you try to enter a payment and you already have a pending one to that same vendor you get an alert immediately that you are about to double pay a vendor! So I am being charged 4 separate {$35.00} overdraft fee charges. These {$35.00} fees are more than the {$25.00} payments. I feel like I have been set up to fail and set up to be charged fees. When I realized what was going on I immediately transferred money from another Wells Fargo Checking and savings account into the overdrawn account. Those transfers are still pending today ( XX/XX/18 ). I do not understand why they didn't happen immediately so I would have avoided the four {$35.00} overdraft charges?? It all my money so what is the deal??? I feel like I was sat up to fail and I was set up to have to pay {$150.00} in fees!!!!! {$150.00} is a LOT of money to me!!! Again I never received a texted alert that my balance had dropped below a certain amount. At XXXX you see your pending payments ... .so you don't have to wonder if you set up for a vendor to be paid. At XXXX you receive an alert message if you attempt to double pay a vendor in the same month. These are both great resources and I don't see why Wells Fargo can't do this except for the fact they want to impose fees on us!
Product: Debt collection

XX/XX/2021 XXXX were notified by a credit monitoring application that Sequim Asset Solutions, LLC that a account with XXXX XXXX XXXX XXXX. I contacted Sequim and made contact with many associates inquiring about this account. After many attempts and the help I finally received the information and I now have the police report letting everyone know that I never opened an account in XXXX XXXX, Fl.
Product: Credit card

This credit card company penalized me because I utilized more than my credit ratio when I have and have the funds to completely pay off the credit borrowed immediately. They also penalized me for missing one payment once and it was due to my bank account being frozen due to security purposes. Which was not my fault. I had submitted payments and they didnt go through and I was sent emails indicating that the payments went through and then later a few weeks later I received information indicating the payments did not go through. 

So Chase limited my credit line of funds due to this. Which made my credit score much worse and my credit access worse. This is completely unfair. Especially when I have paid the cards off in full and can absolutely continue to pay my cards in full. 

This is not okay!!!
Product: Mortgage

Bank of America is stating that Im behind on my mortgage. This is dating back to XX/XX/XXXX. Yes I have been dealing with this for 16 months. Just yesterday I get informed that my 1st payment after my forbearance was due in XX/XX/XXXX. This absolutely absurd and the first time Ive heard of this. If this really was the issue why was this not said to me over a year ago. I have a letter showing my payment to to start in XXXX of XXXX. I dont know what the heck is going on XXXX there. I need to purchase a car for work and this is getting in the way. Shame on BofA for not getting their act together and for putting customer through this torment. I will provide the letter and also email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts in question for the past 6 months and the credit bureau has not conducted investigations. The latest example is the following : I submitted a request to Experian on XXXX and on XXXX they finished the investigation ; however date of status did not change which indicates no investigation was performed for the accounts listed below : Account name XXXX Account number XXXX Balance {$1100.00} Status Date XX/XX/2017 Account name XXXX Account number XXXX Balance {$18000.00} Status Date : XX/XX/2017 Account name XXXX Account number XXXX Balance {$11000.00} Status Date : XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account TN DEPT OF HUMAN SVCS CS, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was first contacted by XXXX in XX/XX/2020 about the remaining balance owed. I disagreed with that amount as I had returned the equipment and felt it was {$200.00} higher due to that. They noted the system and I asked for an updated billing statement to reflect that amount. I never received it but did get a collection noticed from Sequium Asset Solutions , LLC for the full amount. The date on the letter was 30 days old when I received it so I contacted them inquirying. They advised that the total about was {$420.00} which again I shared what happened and they stated to call XXXX again. I did this and they acknowledged that it was noted and would send to that company. I never received a phone call, another letter and forgot about it until an email sharing my credit score dropped 57 points and a collection was reported. 

Called today and paid the amount I felt was due and they advised that no other calls, letters were warranted and that I would have to dispute with XXXX on getting it removed from my credit report. 

Account # XXXX Sequium XXXX # XXXX
Product: Debt collection

Under the doctrine Estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted portfolio recovery on a matter that pertains to my credit. I have been a victim of fraud. I sent portfolio recovery a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked portfolio recovery to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay portfolio recovery and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Product: Credit reporting or other personal consumer reports

I always check my credit report before I go to bed but I saw some unauthorized inquiries that were reported. I don't have any knowledge regarding why but I do know that I want It removed and blocked from my credit report.
Product: Debt collection

Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX  has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE THIRD PARTY COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.
Product: Mortgage

On XX/XX/2016, I received a letter from Specialized Loan Servicing ( SLS ) illustrating that I was approved for a modification ; however, my mortgage payment is NOT more affordable. In fact, the payment is virtually the same. SLS also did not consider my application for the forbearance option. Moreover, SLS appears to have recorded my income incorrectly, despite a Letter of Explanation they requested and received on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Citibank issued a XXXX for {$2100.00} which I paid taxes on in XXXX. The account was delinquent from XX/XX/XXXX until they write off. Citibank continues to report 180 delinquency or more on a {$0.00} balance since this write off. Each time I dispute the tradeline they report it as valid. I even included the tax return information.
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$360.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX, MO. XXXX
Product: Debt collection

The mortgage servicing company Shellpoint has force placed insurance on the property and charged it on my escrow account. I have provided on more than one occasion proof of insurance for the property. I have emails to prove they were sent. I also spoke with a representative last call and was told that everything was in order. I currently still have over {$6000.00} of force placed insurance on my account. The stress this company has caused to the point of sickness has taken a toll on me and my family.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax is in violation of my rights by failing to comply with my request to provide written verification on the below accounts, I'm entitled to fair credit reporting and at this moment my rights are not being fulfilled.
Product: Credit reporting

Transunion I sent you a dispute form asking you to please investigate credit inquires on my credit file Because but you fail to do so I have asked you to lock my credit file so nobody can get access to my file due to the fact of identity theft you have failed to investigate my request. I Will send you once again my letter of request attached to cfpb site. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX