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 {$220.00}, {$2000.00}, {$9600.00}, {$5800.00}, {$230.00}, {$7600.00}. 
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  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

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

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

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

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

6. HXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX has continued their predatory practice to include late payments, remarks, and negative history on my accounts across multiple credit reports/bureaus. After many attempts for XXXX and the reporting bureaus to fix the inaccurate reports I am still finding more or updated inaccuracies. After years of trying to repair the damage I found today they have still kept up this grotesque practice. 

My loans, like most, were transferred off of XXXX  to XXXX, and later XXXX, beginning in late XXXX. I have a welcome letter from XXXX  from XX/XX/year>. Somehow despite my accounts no longer being held by XXXX  for XXXX months and in the middle of a FEDERAL STUDENT LOAN FOREBEARANCE, XXXX  is showing I missed payments over XXXX  days late, negative comments, and late payment histories of multiple missed payments. 

I demand XXXX  write a letter to each credit bureau apologizing and highly recommending me for any credit line. I also demand penalties be assessed to XXXX for fraud, providing knowingly false reports and documentation, and negligence. Finally, I demand they remove all of their reports/accounts/etc from my credit reports across all bureaus.
Product: Debt collection

Ever since Bay Area Receivables has had collections relating to me, they have not sent me a statement or documentation regarding the debt. I end up finding out by email since they had an old email on file. I have to ask them each month for a statement and they still don't send me a statement, usually they send me an email with the account number, collection name, base principle due, interest/fees and total due. I have received one statement after sending numerous request.

I also have one account in collection that my ex-husband is responsible for and I notified them of this to be told, too bad the dentist office submitted my information as the responsible party. I was the primary parent providing housing/food/and daily necessities. My ex was court ordered to provide the insurance coverage and we split all quoted cost for services and any charges that the insurance did not cover he was also to have paid those cost. He was also to handle all discrepancies with insurance/medical office billing as he was the parent carrying the coverage and the one who received all benefit statements and documents on what the insurance did/did not cover. Making him the responsible party of medical debt. This was explained to the dentist office when we started seeing this dentist and the paperwork was completed in the manner that the staff instructed.
Product: Credit card

On Sunday, XX/XX/2024, I was trying to purchase XXXX XXXX tickets when I saw an advertisement on the reservation page for a AAdvantage credit card from Citibank. If I applied and received immediate approval, I could use the credit card for the flight purchase and receive a number of benefits, including priority boarding, no baggage fees, etc. 

I applied for the credit card and got immediate approval. HOWEVER, the credit card number was not shared in an email or on the Citicard website. I am unable to use the card to make this payment. Therefore, I can not get these benefits which were promised in the advertisement on the website. I spoke to XXXX different offices and was told I have to wait 7 to 10 days for the physical credit card to arrive before I can use it and receive these benefits. I can not wait the 10 days as the trip is coming up shortly. 

In addition, when I went back onto the XXXX XXXX page to make the flight purchase, the flight prices rose ( just 1.5 hours later ). This is for the exact same purchase.
Product: Debt or credit management

Thursday, XX/XX/XXXX Hello and Good day to you! 

Below is a copy my XXXX XXXX XXXX ( XXXX  ) Compliant # XXXX, filed in XX/XX/XXXX. The Company - " The Law Firm of Derek Williams, LLC - formerly XXXX  XXXX XXXX - XXXX XXXX  XXXX '' - basically ignored my requests for information on how they applied over $ XXXX of money received from me over XXXX years of payments to resolve my debt on XXXX credit cards. The BBB Complaint was left unresolved, as a result. 

As a result, of their FRAUD and theft over 1 years, I received XXXX separate Writ of Summons from the Court for the original debts on each credit card account from 2 years ago, plus interest! It appears that they NEVER paid any money towards resolving neither debt, and kept over $ XXXX of my money. Additionally, there is currently XXXX XXXX on my home and there may be another, as Ive just received the XXXX Writ of Summons for the XXXX credit card debt. 

XXXX Complaint # XXXX Monday, XX/XX/XXXX Good Afternoon, Please refer to the attached file " The Law Firm of Derek Williams , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX '' for details regarding my complaint which was delivered to the party by registered mail on XX/XX/XXXX, XXXX XXXX. As you will read, I requested a response from them in 30 days - which has passed without ANY response whatsoever! Due to the identified party 's negligence to help me satisfy XXXX credit card debt accounts, with them acting as Debt Consolidation Specialists for over XXXX and a half years, I was issued a Court order to appear in court for XXXX of my XXXX delinquent accounts. I am writing to you today and asking your help to 1 ) getting my money refunded to me, 2 ) to get a status on the account they were paying toward resolving and 3 ) to get a detailed account on how they utilized the payments they received from me over that time. 
Please help me get some resolution as I STILL have the accounts to resolve payments on my own after ALL THIS TIME WASTED BY THEM WITHOUT ANY SUBSTANTIAL FORWARD MOVEMENT TO RESOLVE THE DEBTS! 
Thank you, XXXX XXXX
Product: Student loan

XXXX/Navient is being sued and that 's exactly where my loans came from. My entire tax return was taken to pay them back while I 'M HOMELESS WITH XXXX CHILDREN. I have already sent in an appeal to have my taxes returned with all documentation. I 'm reaching out here as well. If it 's clear that XXXX/Navient is in the wrong then PLEASE RETURN MY TAX RETURN. I need it very badly and worked very hard for it. I had a XXXX in XXXX and XXXX then lost my home so calling Navient when I normally do was extremely difficult. All of my hardships are documented. If this company has been found with wrong doing as it has been then would it not be fair to return money taken from me by them?
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XX/XX/2938
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 15 USC 1681s-2
Product: Credit card

It's been ongoing with Target. I am unable to fly and therefore, I am unable to use a credit from the airline that was charged to my account on XX/XX/XXXX in the amount of {$420.00}. I sent Target the letter from my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX certified mail which they received on XX/XX/XXXX. All they have done at this point was put the amount back onto my credit card and they are telling me to pay it. In addition, because I haven't paid it they will damage my credit. They are totally siding with the merchant and not the customer. Keep in mind they reversed the amount and returned the {$420.00} to me in XXXX after I demanded the payment be sent to me in a letter to them sent certified mail on XX/XX/XXXX that they received on XX/XX/XXXX. I am at a loss at this point. I feel that I am being told to pay for something that I can NEVER use!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX  Balance : {$990.00} US DEPT ED XXXXXXXX  Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine and Wiener have NEVER SENT ANY CORRESPONDENCE TO MY HOME ADDRESS, this is NOT MY ACCOUNT, I have reached out to them on many occasions only to be told this is my account, THIS IS NOT MY ACCOUNT, AND I WANT IT REMOVED AND DELETED FROM MY CREDIT REPORT, I AM A VICTIM OF IDENTITY THEFT AND HAVE SENT THEM THE COPY OF THE FTC REPORT AS WELL WITH NO RESPONSE, I ALSO FILED A CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX AND IT WAS CONVERTED TO A CHAPTER XXXX ON XX/XX/XXXX WHICH I INCLUDED THIS ACCOUNT ( ONLY REASON I INCLUDED IT WAS BECAUSE THEY WERE AND STILL ARE REFUSING TO HAVE THIS DELETED FROM MY CREDIT FILE, PER MY ATTORNEY INCLUDE IT WITH THE BANKRUPTCY SINCE ALL INFORMATION I MYSELF, ATTORNEY AND TRUSTEE HAVE SUBMITTED TO CAINE AND WEINER WITH NO RESPONSE, I WANT THIS ACCOUNT TAKEN CARE OF AND DELETED FROM MY CREDIT FILE.
Product: Checking or savings account

I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on BmO Harris Bank
Product: Credit reporting or other personal consumer reports

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on  the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : DP OF EDUC ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They take payments out my checking account every week.
Product: Credit card

I called Capital One on XX/XX/XXXX to reduce or remove {$39.00} late fee and {$5.00} in interest charges. Captial One confirms they recieved the payment in full but a day late. The fee is Capital One issue for not sending a bill.
Product: Credit card or prepaid card

CitiCard Visa XXXX XXXX XXXX XXXX Purchased tickets for {$740.00}. Could not get tickets. Go a " opps something wrong - called company XXXX  - got XXXX. 
They stated " customer service is unavailable and hung up on me. 
Called CitiCard. They stated charge had not yet posted ( done within 1 hr ). Agent said to cancel the credit card and I would not be responsible. I did so. 
Citbicard has bounced this from dept to dept and has to do date not reversed charge nor listened to the recorded XX/XX/XXXX tape of this conversation which I have requested several times. 
I never got the tickets, nor got anything for my purchase. CitiCard XXXX gives me the run around, promised " a conditional credidt '' to reinvestigation a week ago and still has not done this. 
A customer receiving nothing, promised a credit should be able to get it. 
I have a paper trail of everything that occured with screen shots. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX FUNDING # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX 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 my written instructions
Product: Credit card

See complete explaination and timeline attached. 

In short, XXXX XXXX issued a refund to a cloased Citibank credit card. Citibank has acknowleded receipt of the refund but can not or will not expain why they have not issued the funds to me.
Product: Credit card

I visited a Sears store near me to inquire about the purchase of a cooking range. The sales associate convinced me to purchase the range that day and told me he could get me 5 % off if I used my Sears Card, which I did. The total purchase was going to be {$2500.00} and I informed him my credit limit on the card was {$1800.00}. The sales associate suggested we run the transaction to see if it goes through. It did and I assumed that the credit limit on the account was raised or the transaction was deemed okay. However, I received an email later that my credit card was over limit. As someone who monitors my credit rating carefully, I became concerned that the sales person 's actions could potentially harm my credit rating with an over limit report. I called Sears Credit ( a Citigroup company ) and was told that warranties and services are not counted toward the credit limit and they can put me over my credit limit when making a purchase. And they told me that the over limit status would be reported to the credit bureaus. Furthermore, they told me that I now owed {$750.00} plus the minimum payment in order to bring my balance below the credit limit. I feel this is a trap and puts the consumer in a very bad position. Not only did Sears knowingly allow me to cause harm to my credit rating, they also put me in a potentially harmful financial position. If I did not have the ability to pay the card down by the next billing cycle, I 'd be in a very difficult financial situation. Regardless, I will have a blip on my credit report regarding the over credit limit. Sears 's position is that I should have known their credit practices and the fact that services and warranty charges allow consumers to exceed their credit limit, which may potentially harm them. How was I supposed to know this and what is a credit limit for? And how can Sears take the position that they have no responsibility in this situation? Sears is wrong. I should have been informed at the time of transaction that what the sales associate was doing could potentially harm me. Please do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX ...., XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX ....
Product: Credit card

Dear Sirs, For several months now I have been doing everything I can to work with Capital One bank N.A to clear up a set of expensive unauthorized fraudulent charges from my bank card I hold with them. The charges ( and a very large attempted charge not shown ) all took place on or around XX/XX/2023. I was alerted by the bank to only ONE charge ( for over {$3700.00} ) at an XXXX XXXX  out of our area which I immediately replied to " NO '' it was not me and they declined that one. However I was not alerted to any of these other charges of a very odd nature and out of our area and I had no chance to prevent those for some reason. When I inspected my account records online right away I saw these other charges ( listed in attached and below ) but my dispute of the charges and the refunds were REVERTED by Capital One and put BACK on my account. They claim somehow I /we benefited from the charges but that is IMPOSSIBLE and did NOT happen!!

I have taken several steps to refute this action by Capital One, including an attorney letter ( attached ) to ask Capital One to HONOR their Fraud Protections as advertised, but they have stopped responding to any correspondence and are very hard to work with. I also opened a police report shortly after these charges happened, and that case remains OPEN and underway, with some evidence having been collected and I know this includes images of the fraudulent transactions being made by some other person. However Capital One has done nothing to get this information from the police and has taken NO action on it when I gave them the Police report case number/info. I am asking for this to be fairly corrected as we did NOT make the charges and can not have benefitted from them.