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 {$280000.00}. 
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 XXXX  XXXX, 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. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

XXXX XXXX got a small loan with Regions Bank. They are trying to make it look like a credit card. These people are crazy. Since when did they give credit limits on a personal loan? Payments are being made but they are not acknowledging the payments being made the balance is not being updated either. The balance is remaining the same.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. These accounts need to be blocked or removed from my report. Please see this matter are attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> I woke up to a message that money was taken out both my account an amount of XXXX I called Wells Fargo and they open a claim two days later I get an email that they not consider is fraud. I took it upon myself to call the XXXX XXXX XXXX XXXX to help me they did an investigation and said I lt was fraud they contacted my bank and sent me proof via email that in deed they found it fraud on their end. I called Wells Fargo and was told they cant reopen my claim and have to just lose my money and close my account with what ever money I have in there. I recalled and a agent said to send all the documents to XXXX and wait 24-48 hrs to see if thats enough proof to re-open account, unfortunately for them it was not. I called back and was told they cant help me and if I wanted to cancel my account. Overall they just dont care I been with them for years and mainly use thats account for direct deposit. What I dont understand if I have {$100.00} in my checking account how is it possible for someone to take from my savings when normally the transaction will be denied for insufficient funds, it just does not make any sense to me. And I would like for this to be investigated further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following accounts XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX  account number XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They all have all violated my rights under the following ; 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.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) DEPTEDXX/XX/XXXX Balance {$5400.00}, DEPTEDXX/XX/XXXX Balance {$11000.00}, DEPTEDXX/XX/XXXX Balance {$26000.00}, DEPTEDXX/XX/XXXX balance {$5800.00}. these student loans are reporting as individual accounts and I have never been to college. I do not owe any student loans because I never been to college. I never even graduated high school.
Product: Credit card or prepaid card

I rented a car from XXXX in early XX/XX/2021 using a voucher for a free rental car. Since then XXXX has continually made recurring charges on my card in the amount of the rental, as well as for a repair which never took place as there was no damage. This has occurred at least three times since then and once again XXXX has charged {$220.00} onto my Barclaycard which I have disputed. I want to know how they keep charging my card for this and I want them to cease and desist.
Product: Credit reporting or other personal consumer reports

I need your help to review accounts from companies incorrectly reporting late payments. After being laid off, I asked them to forgive these payments, and they agreed, but they are still marking them as late. I have reached out to them with no response, so Im turning to you as my final option.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out via chat to ask how I could pay towards my principal amount in order to lower my next months payment but I am being told that I have to always make the mnimum payment. This was right after I made my previous payment of XXXX which only contributed to my principal with about XXXX dollars of that. I asked to make a bigger principal payment in order to lower next months but they want me to pay another XXXX first which will only pay to my principal again XXXX dollars and add on whatever extra payment I want to there. I tried calling and was told the same thing. Via email the same thing. Finally I tried to pay off my entire balance today several times online but it refuses to take my card. I tried calling the number to make the payment and she says she doesn't know why they aren't accepting my card. Claims it says insufficient balance, not true. Asked if I had another card, I said no because I don't.. She was encouraging me to add my ACH account back on and to schedule a payment through there. i said no because if I do that then my balance will continue to go up by the time the payment goes through and then i will be in a never-ending cycle of incurred balances. There was nothing else that could be done. I now received an email saying that my card has a daily limit that does not allow them to process the payment. Even if that is the case, they do not allow me to make two separate whole payments of XXXX and XXXX to pay off my balance. By the time I make the request to my bank and get it back, I will have incurred more balance. This is insane. I do not know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX 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 instructions
Product: Debt collection

I am XXXX XXXX XXXX. I believe I was taken advantage of. I purchased a furnace from a company now called XXXX XXXX XXXX XXXX XXXX 
They offered terms of 1year financing at no interest expense. I requested that I set up a bank autopay arrangement to make sure it was paid before the 12 months was up. They said they couldn't do that and offered an online payment system that I would control. I used that until it failed to work ( tech problems on their end ). So I requested auto pay again. They said they could only do it for 6 months. ( I discovered later that it was not auto pay with the bank, but someone manually debiting my bank account, monthly. I didn't understand why, but agreed to use that, believing it was a true auto pay, and intended to renew it when the 6 months was up, for the balance of the payments. ( I was concerned about these gimmicks ). After six months they quit debiting my bank account. I wanted to redo the autopay. They told me my balance as {$1400.00}, but expected me to pay before the deadline ( XX/XX/XXXX ). I wanted auto pay, and neglected to pay on time. I called them XX/XX/XXXX and they said I owed {$2300.00} to pay off the loan. That was {$930.00} more than the original loan amount. They had been charging me about 16 % interest daily until paid off, so I paid {$2000.00} on the XXXX, continued to argue with them about their tactics and gimmicks, and finally paid the remaining {$380.00} to avoid additional hassle and cost, on XX/XX/XXXX. 
They said they could have set up bank autopay in XXXX of XXXX, way after the deadline of no interest charges. If so, then why not originally so that it would have been paid on time, no problems. So I ended up paying {$930.00} additional cost for being six days late, plus additional interest until I paid in full. I believe their payment arrangements were intended to throw me off schedule on the payments, and not allow the easy, sure way of getting paid so that they could hit me with exorbitant interest and penalties. 
I am hoping that you can help me get back some of that exorbitant extra cost.
Product: Credit card

Today ( XX/XX/year> ) I attempted to log in to make my next Capital One credit card payment and when I did I was greeted with a message that read, " Your account charged off and has an outstanding balance. You're responsible for paying this balance. We want to work with you to help put it behind you. '' I am paid semi-monthly by my employer and I make a payment on my Capital One card every paycheck ( XXXX ) so that I am never late, and I pay well over the minimum each for each payment. My most recent payment was on XX/XX/year>. My credit score is over XXXX. I have attempted to call the company using both the number on the back of my card and the number provided on the website. Capital One advertises a " no hassle '' policy and the phone number on the card has always been a XXXX number. Nobody picked up on either number. I went back to the website to email or otherwise contact the company through the site, and there was no way to do so. The " contact '' link simply brings you to a series of FAQ pages on different topics. I checked my email for any correspondence from Capital One regarding this " charge off '' and I had nothing on the topic. I have received no notice from the USPS mail either. Is this what consumers have to look forward to when Capital One merges with XXXX?!! I have had this account for nearly 20 years, with XXXX Fixed rate. I think the bank has shut my account because the fixed rate is so low.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 48 inquires on my credit report that I have no knowledge of starting from XXXX until now.
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 has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit reporting has locked me out of my account. They will not allow me to file a dispute against an incorrect reporting on my file. 

I reached out to their customer service, in an effort to get my file unlocked and they now say they can not find my record in their system. This is the same record that they are incorrectly reporting a collection account.I received this email back from them : Unable To Locate Account - Need More Information Dear Customer, We were unable to match your information to an account. You may try to resubmit - paying close attention to the accuracy of your submission. 

Sincerely, Your TransUnion Support Team
Product: Checking or savings account

On XX/XX/2022 I was selling some items for the amount of {$750.00} & {$150.00} and the buyers stated they sent a total of {$900.00} via XXXX. Shortly after, I received an email from XXXX stating that I had received funds and they were put on hold due to my account limits. The buyers stated they received the same email and sent over another {$900.00} per what the email advised. I received another email stating that I had to request an additional {$900.00} to upgrade my XXXX account and confirming I received the additional {$900.00} the buyers sent. I received another email from XXXX stating I had to return the funds due to the " buyers protection '' program established to protect the buyer. I called Wells Fargo before I sent over funds and the customer service rep stated he was not sure what to do and said if XXXX emailed you it should be fine. The scammers impersonated XXXX and scammed me out of {$900.00} and now Wells Fargo does not want to credit the funds back even though I provided the email records where they impersonated XXXX. I think it's ridiculous that Wells Fargo does not advise their customer of the recent scam tactics being used. Such a big corporation and they do nothing to protect the consumer. 

Claim # XXXX - {$750.00} Claim # XXXX - {$150.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : DEPTEDXXXX XXXX Account number : XXXX - DEPTEDXXXX XXXX Account number : XXXX - DEPTEDXXXXXXXX XXXX  Account number : XXXX - XXXX XXXX Account number : XXXX - XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

On the morning of XX/XX/year>, exactly {$1300.00} was transferred from my SoFi savings account into my SoFi checking account and then transferred to an unauthorized user. This total was made in the following amounts and transactions : {$200.00}, {$340.00}, {$110.00}, {$540.00}. 

On the same date and time, two unauthorized XXXX payments were conducted for a total of {$3300.00}. This total was made in the following amounts and transactions : {$1300.00} and {$2000.00}. 

Additionally, there was a cancelled transaction to my ( verified ) XXXX XXXX account in the amount of {$110.00}. 

It should also be noted that a " XXXX XXXX XXXX' account was linked to my SoFi account around this time, which I did not authorize. Please keep in mind that all of the above was conducted without my knowledge or permission. 

I contacted SoFi regarding these transactions and verified that I did not authorize, nor did I have any knowledge of how they came to be. SoFi simply replied with a statement similar to 'wait 10 business days and we will have an answer for you after our investigation. ' I did not receive any reassurance or acknowledgement that the money taken from my account would be restored. 

I am a father and a hard-worker. As of now my account is " restricted '' and I can not even access what is left in my account to get by. I'm stuck and I feel helpless.... I trusted SoFi with my money and now I'm scrambling to pick up the pieces. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are multiple addresses showing on my credit reports. Those addresses are inaccurate because I never lived at those addresses.
Product: Credit reporting or other personal consumer reports

I have contact XXXX XXXX  over 6 times in regards to opting out of having my information verified or shared. They are continuing to VIOLATE me and my rights. This is what I have sent to them and still have not gotten a response : XXXX XXXX c/o XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It XXXX Concern, I am writing to formally demand that XXXX immediately XXXX and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with credit agencies, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, 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 confidentiality under 15 USC 1681. 

Account name # XXXX # XXXX # XXXX # XXXX XXXX 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 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 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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.