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 {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

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 and 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 ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

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

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  PERSONAL INFORMATION INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NAMES INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYMENT INFORMATION XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage please did not provide me with a copy a of my authorization allowing you to run any background report.? First Advantage routinely flouted federal law when running background checks on consumers. According to the case you failed to secure prior authorization from consumers as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting

Equifax is reporting a SSN which is not my true and valid SSN. I have sent them copies of my ID and stated that any other SSN or identifying information is not mine and should be completely removed. Because of the wrong SSN number on my report I can not access my reports and identity verification systems can never work for me. This is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a cancel request via Experian website. They were unable to close my " free '' account that is rushed with ads, so they instructed me to call. I called in this morning and was told they would not close my account. I've sent close to XXXX requests this morning asking for it to be closed with nothing but negative responses. 

Predatory, criminal, and incredibly annoying. Experian needs to be completely overhauled in the XXXX, I have NEVER been less satisfied with a service. Especially a " free '' one.
Product: Debt collection

I was trying to pay a medical bill online in the amount of {$740.00} according to the amount on my XXXX credit report dated on XX/XX/19 and online it will not let me pay less than {$1000.00} I have requested contact from this company several times and they have refused to contact me so that I may pay close and close this account that have not taken any action to help me close this account, california business bureau will not let me pay this amount
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, XXXX notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer credit report from XXXX XXXX and XXXX  and there is an unauthorized Chapter XXXX Bankruptcy that is reporting and said to be verified by Lexis Nexis. I sent Lexis Nexis a letter on XX/XX/2021 to remove the item and have yet to receive a response.
Product: Credit card or prepaid card

In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. 

They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. 

This is unacceptable, please dont let these scam artist get away with this and help me get my money back. 

Thank you.
Product: Debt collection

In my request for production, plaintiff is unable to procure documents showing the transferring of alleged contract or account information from XXXX over to Shermeta Law Group who does not even practice in the county or state that I am in. 
Counsel objects to my request to provide a contract, agreement and assignment or other means demonstrating that the plaintiff has the authority and was legally entitled to collect the debt. 
They admit that no such assignment has occurred but they are not required to by law. They cite an XXXX v. XXXX XXXX District XXXX XXXX, but their firm and the original alleged lender do not practice even in XXXX County. 
Furthermore, I am not employed and I am on XXXX and they threaten to garnish my wages. In their letter which has conflicting dates as to when it was sent and when things are due is confusing. 
And MOST alarming is the statement that says, " It is to your advantage to avoid garnishment of personal earnings because the extra burden on your employer could possibly cause you to lose your job. '' That is a threat and a fear tactic and illegal!
Product: Credit card

On XX/XX/23, I received two emails that my American Express credit card accounts are being closed. I quickly called to see why. I was advised that because of returned payments. I have been experiencing fraud and ID theft in the past year, and have been having to constantly change banking account numbers and cards. I've expressed that each time I've called to have American Express confirm payments. They've called my bank with my on the phone and confirmed that payments have cleared and/or have funds to cover. Now, they are telling me that it was not verified and my relationship is being closed. I asked to escalate the issue, but was declined that option and stated there is nothing they can do. Only option is for me to apply for a new credit card. I let them know I can provide a letter from my bank stating it was returned in error since I have been dealing with fraud. They did not accept. It is very frustrating that as I have been dealing with the fraud and ID theft, that American Express can not find a solution to assist and even review the situation. They did not seem to care and brushed it off. I also find it funny that the day before, purchases were allowed, creating more balance and profit for American Express. Which I am sure, at that time they knew the relationship was being closed. Seems like they wanted to allow me to spend more so they can profit before closing it all. I do also feel discriminated against for returned Payments, even if it was because I have been experiencing fraud and ID theft. They brushed it off like I was no longer worthy to be a client, like Im a XXXX XXXX XXXX to throw away.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS OUTDATED & EXPIRED IN XX/XX/2023. PER FCRA LAWS IT IS TO BE REMOVED FROM MY CREDIT YET IT REMAINS ON PAST ITS EXPIRATION WITH NO EFFORT BEING MADE BY EQUIFAX TO REMOVE IT. 

PER THE FCRA LAWS THIS ACCOUNT IS A NEGATIVE ACCOUNT & EXPIRES IN 7 YEARS. WITH THAT EXPIRATION OF 7 YEARS THE ACCOUNT IS TO BE REMOVED BY LAW! 

I REFUSE TO PROVIDE ANY IDENTIFICATION OUTSIDE OF WHAT THE CFPB REQUIRES TO FILE A COMPLAINT ON THIS SITE! 

YOUR PHONY RESPONSE WILL GO UNRESPONDED TO BUT WILL BE REPORTED TO THE CFPB & INCLUDED IN THE CIVIL SUIT SHOULD YOU REFUSE TO OBEY THE LAWS AGAIN & TRY TO AVOID DOING YOUR JOB!!!!
Product: Mortgage

On XX/XX/2022, when trying to resume the payments with Wells Fargo for my mortgage on the phone in two days, they found their way to offend me again. I was told to use this number XXXX for information on Wavier for taxes which are due at the end of the month of XXXX. They told me and gave me a fax number and email to send a document for a tax waiver when I sent it. They sent an email not to use it. I call the same number the next day the person on the line could tell me if anything was received. My problem is they are dropping calls, and not confirming received documents that were sent, and with the number of customers they deal with, plus when they cut off my email in their system there is no way to voice my concerns, this leads to harassing behavior. The information that is given from that number is too wide ( from just using this fax number to we don't handle that not my department )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

On XX/XX/year> I did not recive my paycheck from my employer and call the customer line and XXXX instruction to wait while CapitalOne fixing thier ach processing
Product: Debt collection

I receive XXXX calls a day from comenity bank just about everyday of the week. Yesterday, XX/XX/year> they called 6 times in XXXX day. 

They call with their number showing and then will follow up with calls that show at no caller id.
Product: Credit reporting or other personal consumer reports

People are using my credit cards and charging me they have used XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit card or prepaid card

XXXX   XXXX   /3 requests Social Security number :   XXXX    Date of Birth  XX/XX/XXXX  -- -- Telephone number   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Texas  XXXX  Capital One   XXXX   XXXX   XXXX    XXXX , North Carolina,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX     XXXX   XXXX  , IA,   XXXX   Federal Trade Commission   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC,  XXXX  Account number #  XXXX  To Whom It May Concern, I am writing in regards to a late payment on XX/XX/XXXX  for Capital One Credit Card account.
I sent a letter dispute to Capital one on  XX/XX/XXXX  requesting a validation of debt. They responded to me by indicating that I do not owe them any money at the current time and they have requested that my account was at a {$0.00} balance. They provided me in writing that they were going to delete any and all information from my credit report. The late payment has not been deleted from my credit report. This agency indicated that they were going to delete all historical information from my credit report. At this current time this account still remains on my credit report. Im requesting that this information be removed from my credit report.
I have provided all information that is needed to settle the above dispute. I am requesting that all negative information be removed from my credit report regarding this inquiry on my credit report. I am requesting that this information be looked at provided with the most attention. Please request debt verification from this company. I have called your agency and they indicated that this account number is not the accurate account number that is with this account. Im requesting for a debt validation with this account. This company has stated that on  XX/XX/XXXX  that they had sold the account and they would take this information off of my account. This account was deleted from  XXXX , and  XXXX .  XXXX  is the only bureau that this account is showing own. A letter was received by this company. On  XX/XX/XXXX . This company has not deleted this account like they advised me that they were going to delete. I have called this company and they indicated that they were in the process of doing an investigation. I requested that all historical negative information deleted from my account. It is upsetting that this company tells me one thing but actually does another thing. This information is currently on their letterhead. If this company has advised me of that information they should honor their response. Im requesting this information be deleted from my account.
If this account can not be deleted Im requesting the following information be provided to me for debt verification. Please respond to my request. Im requesting that your company contact   XXXX   all historical negative information.
Attached is a letters from Capital One.
This debt will also be referred to the Fair Credit Billing Act- Title 15, Chapter 41. The Fair Debt Collection Practice Act, U.S.C., Title 15, Section 1692, Public Law 95-109. Consumer Credit Reporting Act of 1996, U.S.C., Title 15, Section 1601, Public Law 104-205
Product: Credit reporting or other personal consumer reports

I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX  contacted XXXX XXXX  to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying Lowes/Synchrony Bank for some time & the balance was down to {$6600.00} which was paid to Synchrony Bank with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my SYNCB/LOWES report showed that Synchrony Bank was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My Lowes Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} Credit Limit which I never requested increased. So when my Balance showed {$16000.00}, I called Synchrony Bank & asked them how my {$8000.00} XXXX XXXX Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with Synchrony Bank & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to Synchrony Bank because they can't collect on FRAUD. Each month Synchrony Bank reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. Synchrony Bank keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from Synchrony Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX Mortgage & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with Synchrony Bank trying to help me resolve this, but like all the previous calls I made with Synchrony Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out Synchrony Bank! I don't owe them anything!!! I want my Credit Score repaired! Synchrony Bank has been falsely reporting me as delinquent for 15 months.
Product: Mortgage

Freedom Mortgage is my lender for my FHA loan. I purchased my home XX/XX/XXXX and it was transferred to them on XX/XX/XXXX. In XX/XX/XXXX I was contacted about an automatic refinance to lower my interest rate. That happened and closed in XX/XX/XXXX. I was informed in XXXX that my escrow balance was in the negative and my loan payments are now increasing approximately {$300.00} to cover the difference. The refinance that was supposed to lower my payment by {$100.00} a month actually increased it by $ XXXX due to the misappropriation of escrow funds. It seems like an attempt for a mortgage company to collect backend loan financing fees for their brokers and creates a hardship for the consumer.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the accounts listed below, which appear on my credit report inaccurately and in violation of federal statutes and credit reporting guidelines : 1. Account Name : [ XXXX XXXXXXXX XXXX XXXX  ] Account Balance : {$1000.00} Violation : Lack of permissible purpose to report this account on my credit file under 15 U.S.C. 1681b. 
Communication practices that violate 15 U.S.C. 1692c of the FDCPA. 
2. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$2500.00} Violation : Same as above. 
3. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$3000.00} Violation : Same as above. 
4. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$7100.00} Violation : Same as above. 

Key Issues : These accounts are being reported inaccurately and possibly without legal authority or compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
The reporting entities have not provided validation of the debt, nor proof of a permissible purpose to access or report my credit file. 
These accounts are non-compliant with Metro 2 guidelines