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 {$3500.00}, {$12000.00}, {$6600.00}, {$6500.00}, {$9100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Student loan

Being billed for XXXX, every month, even after the fee was paid. This bill remains on my bill, and is mixed in with the other monthly bill. I need to have this fee removed from my bill. It was paid, a few months ago.The Navient people told me not to worry about it, that it was a service fee? a one time fee. There should be no such fees on a fed.financed student loan. I also need to have my payment reduced to severe financial difficulties.
Product: Mortgage

I have attempted to SPEAK with a LoanCare agent, the company managed by XXXX XXXX XXXX, but unfortunately, they are just as unresponsive. I find that none of their contact avenues lead to a satisfactory outcome, and during the XXXX call I was fortunate enough to receive from them, the representative I spoke with appeared to lack the necessary knowledge to assist me in addressing my concerns. I enjoy emails but when I am about to give a large amount of money to a company, I would like to interact with a PERSON. 

Given that XXXX XXXX XXXX markets itself as a leader in mortgage management, I find it exceedingly disappointing that my experience has been anything but satisfactory. It seems that there are significant gaps in communication and customer support which need immediate attention. 

I would greatly appreciate a prompt resolution to my issues or a direct line of communication with someone who can assist me effectively. Thank you for your attention to this matter. I look forward to your swift response. THANK YOU CFPB.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$8600.00} late payment XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I WILL NOT REST UNTIL I GET JUSTICE FOR TJE UNAUTHORIZED TRANSACTIONS DONE ON MY APPLE CARD. THEY KEEP SUBMITTING LIES AND FALSE INFORMATION AND YET THEY CAN NOT PROVIDE EVIDENCE OF THE UNAUTHORIZED INVESTIGATION THAT WAS CONDUCTED ON MY CARD, THEY ARE BLATANTLY CALLING ME A LIAR AND SAYING I INTENTIONALLY OPEM THE UNAUTHORIZED TRANSACTION WHICH IS FALSE!!!! 


I'm reaching out to CFPB once more about the same issue I'm experiencing with Goldman Sachs Bank USA ( the Bank ) about unauthorized transactions on my account, they claimed that I open multiple dispute on my account totaling {$4400.00}, what they failed to realize is that these transactions are fraudulent transactions on my account and that's I contacted them to have a look at them, the representative contacted me on XX/XX/year> while I was at work and was unable to talk he then contacted me back on XX/XX/year> & asked me XXXX  is XXXX XXXX, edict apparently was the name of the person that conducted the fraudulent transactions on my account. Yet they are here claiming that these transactions are not fraudulent. I'm hard working citizen I work XXXX every day and I swear for my money, so if I see an unauthorized transaction or transaction, S totaling {$4400.00} on my account I have every right to report it. It's very clear that Goldman Sachs Bank USA ( the Bank ) did not conduct a proper investigation under these transactions, they also refused to provide documentation of what happened, they hsve the name of the person who conducted the fraudulent transactions yet they are claiming that the transactions is valid. I'm kindly asking the CFPB to please assist in these unprofessional behavior of Goldman Sachs Bank USA ( the Bank )
Product: Credit card

on XX/XX/2023 XXXX XXXX application refence number XXXX made a online extension to obtain money for personal reasons, i received a denial from Chase bank stating they would not approve my application due to the information they SAW on my consumer report, Please note this is the first problem i would like to bring forth because under the Fair credit reporting act 15 U.S. Code 1681b ( c ) ( 2 ) it Limits the information someone can received ( 1 ) ( B ) A person may receive pursuant to paragraph 15 U.S. Code 1681b ( 1 ) ( B ) ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 

15 U.S. Code 1681b ( c ) ( 2 ) ( c ) Cleary states you can not receive information on me regarding disclosing any relationship with any particular creditor or any other entity, meaning you should not see any information between me and another person, in addition you are in violation of the FCRA 15 U.S. Code 1681b ( f ) obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) my consumer report was obtained for a purpose for which the consumer report is not authorized to be furnished ( 2 ) and there was no certified purpose in accordance with section 1681e of the Fair credit reporting act as prospective user to obtain the report through a general or specific certification.
Product: Student loan

XXXX XXXX XXXX XXXX by uheaa will not allow me to make a principal only payment. I am currently paying more than my contractual payment requirements and would like to focus on paying down the principal balance. When I have contacted the servicer in the past, they have informed me that this is not possible and any accrued interest would have to be paid first. I would like to have the option of paying only principal. Additionally, when I navigate their website, the links to the payment application information ( how my payment will be applied ) do not work. I would like be to provided with the payment application that explains how the payment hierarchy works.
Product: Debt collection

This collection company has re inserted a medical collection on my credit file to XXXX, This is unknown and this same company placed a previously medical that was my wife 's only which should have NEVER been placed on my credit file in the first place and had to fight it for months, which the bill was solely hers and she pasted away a while ago.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX Meadow XXXX XXXX XXXX Unit XXXX XXXX, TX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX CLIMB XXXX {$5200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.
Product: Credit reporting or other personal consumer reports

I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX  - XXXX Account : XXXX  - XXXX Account : XXXX  - XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On  XXXX   XXXX , Synchrony Bank  [ WalmartCredit.com ]  debited my checking account twice with the full balance due on the account -- 2 debits of {$420.00}, creating an overdraft on my checking account. When I tried to get Customer service to credit the second amount back, I was told it was my fault that I had authorized the original payment and subsequently had added autopay to the account. ( I have done this with  XXXX  and  XXXX  credit cards with no problems at all. ) However, the Customer Service representative stated that there was no way for  Synchrony  to credit the account. The best she could do was send me a check that I would receive in  5  to 15 days. When I insisted that was not satisfactory and spoke to a Customer Servic e Manager,  the best offer she had was to expedite the check and perhaps get it sent in a couple days if I FAXed proof of the double debit to her FAX number. I sent my copy and had my credit union also send proof of the double payment.  <P/> My complaint is that I see no reason  1 -  for the double debit in the first place. If I had a payment authorized, then  AutoPay  should not debit an account that then has a   XXXX   balance. In fact, when I signed into the account after the incident, it had a negative balance of {$420.00} -- so the bank was aware of the double payment. And  2  - If the bank can debit the account, there is no reason in my mind that they ca n't credit it. Again, I have had experiences with what I deem more reputable banks, and a Customer Service rep can immediately credit an account for some error -- or at least forward me to another person who can. It does not take  5-15 d ays for a correction.  <P/> I have a FICO  credit score i n the  XXXX  's which this bank posts, so it 's not like I am a credit risk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I have two late payments that I was never late on. After I received my consumer repot Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : SYNCB/XXXX, account number : XXXX Please investigate and provide proof with statements showing that these payments were late. If can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,
Product: Debt collection

Attention Creditor : I am responding to your contact about collecting a debt. You contacted me by phone/mail, on XX/XX/2024 and identified the debt as debt I owe to XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. I am disputing ALL OR PART OF THE DEBT. 

First of all, I did not apply anything on XXXX or any of their own company. Second, I do not live in XXXX  or XXXX  or XXXX  and never in my life lived there. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been stolen, compromised, used and abused. I have been a victim of identity theft for a long time and it is getting out of hand. There has been numerous of credit cards and retail store accounts opened in my name that I have not authorized or giving anyone permission to use. I have contacted companies to inform them about the situations and I have not received feedback. The following companies that I am aware of ar : 1. XXXX Synchrony Back MasterCard for {$5400.00} opened in XXXX 2.Toys R US MasterCard for XXXX opened in XXXX 3.  XXXX XXXX XXXX for XXXX opened in XXXX 4. JCPenny for {$560.00} opened in XXXX 5. XXXX XXXX for {$1200.00} opened in XXXX 6. Care Credit for {$7500.00} opened in XXXX These items are appearing on my credit report and I am asking for them to all be removed. I have contacted these companies and all accounts have been closed. This has been taking a toll on my health, my finances and my household.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, XXXX   today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax multiple times to get these hard inquiries off my credit report. The XXXX XXXX ones should be off as they are for real estate and should not be pulling as they over a year old. XXXX is also a real estate and is XXXX XXXX XXXX and should be deleted. Please have them fix this, I am trying to improve my credit score to buy a new home. 

Thank you so much
Product: Mortgage

XXXX XXXX is attempting to complete a short sale with Loancare since XX/XX/2019. XXXX XXXX XXXX called Loancare and they said nothing is needed and we will have a decision next week. XXXX XXXX called Loancare XXXX and the said to call back next week and they will email me a copy of the short sale approval letter. XXXX XXXX XXXX called Loancare and the manager said the short sale was denied because there is a 2nd. mortgage lien on title. The manager called XXXX XXXX and said that was a mistake as the loan is a 2nd. mortgage with Loancare. The file we re-opened and loancare said they will have a decision in 2-3 business days. XXXX XXXX XXXX called Loancare and they said the file is closed because it is in an active Bankruptcy. I spoke with a manager and they said that is a mistake as we have Chapter XXXX Bankruptcy attorney approval to short sale. After being on hold for about an hour he said the file will be escalated for a decision, and to call back in 2-3 business days. XXXX Loancare said that the file can not be reviewed for a short sale until Loancare receives the 1st. mortgage payoff letter. After speaking with the manage again they were able to find the 1st. mortgage loan payoff letter that was emailed to them back in XXXX. He said he will send the file to the investor for a decision. The occurance of events mentioned about are just 4 weeks of 8 months of continuing mis informed updates, and many occasions of them not receiving documents but then after further review they eventually find the documents they said they don't have. Can someone please help Loancare follow short sale guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I found out I was reported to a company called Chex Systems. I reached out to chex systems and at that time chex systems sent a report to my home address. I also made chex systems aware that I am a victim of Idenity theft and fraud. On XX/XX/2018 i filed a dispute with chex systems because there were two accounts that i did not open up from XXXX XXXX as well as XXXX XXXX XXXX. Chex systems sent me out another report stating my information was verified as accurate with XXXX XXXX XXXX and had a signature card attached with no signature on it. On XX/XX/XXXX I sent a detailed letter which was certified to chex systems requesting a copie of signed documents provided by the bank. I also requested the full names, addresses, and direct numbers for each indiviual that chex systems contacted in the course of the investigation. I advised them that verbal confirmation does not suffice as proof of validation. On XX/XX/XXXX Chex systems sent a letter stating the investigation for XXXX XXXX was still in dispute, which put the dispute well pass 30 days, especially when I filed the dispute XX/XX/2018. In this letter Chex system also stated that " If requested by me, chexsystems will provide you with a description of the procedure used to determine the accuracy of the disputed informatin in your file. '' which this is what I requested on XX/XX/XXXX via a certified letter. So Chex sytems has violated my consumer rights in two ways. They are reporting inaccurate fradulaent information from XXXX XXXX XXXX, and two not removing fradulent information that is being reported because they failed to verify my information within 30 days. It has now been well past 60 days from the date i initially filed my dispute.
Product: Checking or savings account

On XX/XX/XXXX, I was a target of a phone scam. A person claiming to be a representative of XXXX XXXX XXXX called to let me know that my XXXX XXXX XXXXXXXX XXXX credit card has been approved and he just needed some details from me. The phone number he called from is XXXX XXXX. He called himself XXXX XXXX. 

I had been having issues with my business credit card application for two weeks so the phone call from him was very timely and accurate. He verified my personal information via a voice call and I provided him details of my personal and bank account information like credit card details and login verification codes through my phone number.

I have had many calls with banks prior to this and the questions he asked were just a normal part of the identity verification process. I have also been XXXX XXXX XXXX XXXX XXXX XXXX so I am very XXXX XXXX when it comes to the internet and online portals. 

On the morning of Monday XX/XX/XXXX, I woke up to my mobile phone number no longer working and my E*Trade / Morgan Stanley bank account had 2 outgoing wire transfers totaling {$35000.00}. I called E*Trade / Morgan Stanley immediately . 

E*Trade / Morgan Stanley managed to block an outgoing wire of {$15000.00} but the {$20000.00} wire had apparently left my account and customer service told me that they were in the process of recovery and recall of the funds. 

The next day on XX/XX/XXXX, I called the wire recipient 's bank, XXXXXXXX XXXX in New York and alerted them to the fraud by providing the account number the wire transfer went to. The fraud department alluded to the fact that the account number was a legit account number belonging to their bank but did not provide any further details. They were surprised to hear from me as the supervisor mentioned that they typically deal with the fraud department of banks and not consumers. 

The recipient of the funds is registered to the following : XXXX XXXX XXXX XXXX XXXX XXXX  number XXXX XXXX XXXX The registered address on this account is : XXXX XXXX XXXX XXXX NY XXXX I have since sent ETrade / Morgan Stanley my notarized affidavit, my report to the FTC, my report to the DA of New York and IC3/FBI.

It has been over a month and I have not received any communication whatsoever from Morgan Stanley. They have frozen my bank account so I can't withdraw or move any funds and they have failed to do anything. I have called no less than 5 times at least once a week over the month and they have been stringing me along with promises to contact me. To date, I have not received any phone call nor email from Morgan Stanley. 

The {$20000.00} has still not been returned and I have no idea what is actually happening to my account. The fact that Morgan Stanley managed to stop the {$15000.00} from leaving my account when I called in tells me that they know both amounts were fraudulently sent. 

As a victim of fraud, my actions were swift because I acted within hours and I have done everything possible in my power to ask for the reversal of the funds to my account. 

I thank you for your help in advance on this matter. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX