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 {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

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

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Equifax after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment 01/22 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Debt collection

It is not my debt. It was addressed to the same name but the wrong middle initial and the wrong address I was sent numerous letters. Upon receipt of each I called the company and denied debt and pointed out the errors. They promised to do so but have persisted in collection efforts On the last call I additionally pointed out that the debt according to the information in their letter was incurred in 2014 and was now past the Nevada Statue of Limitations. 
I believe that these repeated efforts to collect a disclaimed debt are an attempt to browbeat me into paying " go away '' money
Product: Debt collection

This company yes keep calling already told then not to call animore but they yes call more than twice a day.
Product: Credit reporting or other personal consumer reports

Date TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Credit Report Errors Dear TransUnion Dispute Department, I am writing to formally dispute the inaccuracies on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I bring the following issues to your attention : Unresolved Identity Theft Report : On XXXX XXXX, I provided TransUnion with a copy of an Identity Theft Report filed with the FTC, as well as supporting documentation, requesting the removal of fraudulent accounts from my credit report. Despite your acknowledgment of this report, these fraudulent accounts remain on my report in clear violation of FCRA guidelines under XXXX XXXX. XXXX. 

Inconsistent Reporting and Deletion Confirmation : On XX/XX/XXXX and XX/XX/XXXX, I received correspondence from TransUnion confirming the deletion of certain accounts and inquiries. However, upon reviewing my credit report dated XX/XX/XXXX, these accounts and inquiries are still listed. This inconsistency demonstrates either a processing error or willful non-compliance with FCRA obligations to ensure accurate and timely updates to consumer reports. 

Bankruptcy Information Misreporting : TransUnion has stated that it verified and validated bankruptcy information as accurate. However, I have obtained a letter from the U.S. Bankruptcy Court confirming that it does not provide data to any credit reporting agencies. This misrepresentation is a direct violation of the FCRA under XXXX XXXX XXXX XXXX XXXX XXXX which requires credit bureaus to follow reasonable procedures to ensure maximum accuracy. 

I have attached copies of the following for your reference : FTC Identity Theft Report U.S. Bankruptcy XXXX Letter Correspondence from TransUnion confirming deletions Please investigate this matter and provide me with a written response as required by the FCRA.
Product: Debt collection

XXXX XXXX XXXX $ XXXX THIS IS NOT MY DEBT THIS HAS BEEN HENDERING ME IM UNABLE TO RESIDE WHERE I WANT DO TO A DEBT THAT DOES NOT BELONG TO ME PLEASE DELETE THIS DEBT THIS IMMEDIATLEY. I KNOW MY RIGHT THIS IS ILLEGAL.
Product: Bank account or service

I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.
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 : XXXX ) 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 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, credit repair services, or other personal consumer reports

Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$680.00} written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on CFPB that Bank of America reported a hard inquiry on my credit file without my consent. Bank of America decided to remove the hard inquiry in question, except they never actually did! It 's been 2 months since they sent me the letter stating they would remove the inquiry, but as of today 's report, the inquiry has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Equifax. I am unable to access my results and it has been nearly 2 months. Equifax REFUSES to give me information on how they handle disputes. What is their process? I have collections on my credit report that are inaccurate and outdated. I've submitted documentation from one particular creditor advising they requested an account be removed back in 2018 AND IT IS STILL SHOWING ON MY REPORT. Yet is was removed from XXXX  and XXXX. You can never speak to a live rep. If you are lucky enough to get through they don't speak English. If you asked to be transferred to someone who does you are disconnected or told there is no one available. How is this company allowed to have access to consumers financial information?! I have yet to receive any free monitoring due to the breach. This company controls the financial aspects of consumers lives and they can't even manage to explain a dispute process?? They need to be held accountable.
Product: Debt collection

I canceled XXXX account and sent back the equipment within 30 days because the service did not work in my area. I was under the impression I would not be charged if i was not satisfied with service. And I had the option to send equipment back, which I did
Product: Mortgage

In XXXX of XXXX, I took out a {$30000.00} fixed rate refinance conventional loan with BMO Harris. I would make payments and most of it would go to interest but every payment reduced principal some. Starting in XX/XX/XXXX I noticed something odd. All of my payment was going to interest. I remembered that BMO Harris changed who was managing the account as an agent. In the process my account number changed and for some reason my payment was only going to interest and the principal stayed the same. In the process of calling them a lot, I was told my new loan number was a daily simple interest loan, not what I signed up for or authorized. I have been trying to resolve this with BMO Harris for weeks but no resolution has come about and they have run me around in circles with little care. Changing a loan type without my approval feels criminal.
Product: Credit reporting or other personal consumer reports

Method Of Verification Using FCRA 611 I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX {$4900.00} XXXX {$4900.00} XXXX. XXXX {$2400.00} XXXX. XXXX {$11000.00} XXXX. US Bankruptcy false claim Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. 
Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines and Bankruptcy.

igdiuxgaushxilk gyidwgiuegdl Why are you not investiga ting my dis pute? The XXXX accounts all have the same thing in common. They all have reaging issues and all four of them have missing information and inaccurate information, This is how I kno you hav not verified anything! You are simply sending these stall letters. 
You do not want to do your legal duty which is to report accurately. I will never give up! never! You Will do your job and report only what is accurate. I know you get paid by these creditors, which is a conflict of interest. I know you have a vested interest in keeping me with bad credit. I know in your eyes im a nobody. You dont have to honor me, but you are hurting me with this inaccurate info mation. 
This bankrupt info is wrong and it isnt mines. You want to hurt me so bad but you are wrong. XXXX and Transunion both have me with no bankruptcy. Do your job and check it out! I filed a FTC report against you, Now i'm going to have to go to the state Attorney General!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepencies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information you are in violation.
Product: Debt collection

They continue to call 20 or more times a day from XXXX different numbers. XXXX XXXX this is not the credit card company TJMAXX, there is no debt that is deliquent, but they continue to call non stop. Calls are from TJX rewards.
Product: Debt collection

This is a debt that 3rd party Midland Funding is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to Midland Funding and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.
Product: Credit reporting or other personal consumer reports

I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Product: Mortgage

Mortgage company Nationstar refuse to send me itemized info about arrears and breakdown of XXXX dollars in coporate advance. They are already charging me extra monies for escrow and can not justify ir explain the corporate advance fees. Trying to reinstate my loan but they are not helping me to do so
Product: Credit card

XX/XX/XXXX I opened my dispute with Chase. 

Around 319 transactions are involved in the dispute, I was to receive benefits of a purchase from an e-commerce vendor from XX/XX/XXXX until XX/XX/XXXX. 

I spent about two weeks playing phone tag with Chase, visiting my local branch, and talking to various call center operators. The only people who seemed to understand the situation were other banks involved in the issue ( XXXX, XXXX XXXX ) and my local branch. Everyone else I spoke with didn't seem to understand why I was disputing the charges to begin with. 

I provided Chase with a few months of receipts, and documentation from the website in question that proves they advertised, partially delivered, and then revoked, the benefits of my purchases. I provided them with transcripts of my discussions with customer service from the vendor in question, which lays out how their reps tried to deceive me into continuing to spend money. 

Chase closed 61 of the cases from XX/XX/XXXX ( The day I first contacted the vendor about my complaint ) til XX/XX/XXXX ( the next time I had transcripts of my conversations with customer service from the vendor ) Their rational provided in the rejection letter was as follows : " Based on the information available, we found that either the services you purchased were received or available for use. '' I asked a phone rep about this later, they said that wasn't the reason. They say ( paraphrase ) " We can't dispute those charges because you made them after your first complaint which means you must have been accepting the quality of service. '' I tried to explain that when customer service and I spoke the first time, they assured me that my experience was going to be resolved in a few days but that they couldn't give me a time line. They told me it was a routine security procedure, and that I should just use the service as normal until my account was fully restored. 

They never did restore my account, provide me the services I was promised through their own terms of service and advertisements, and now that I have opened a chargeback with them they have completely banned me from the platform. I am still owed the duration of my benefits until XX/XX/XXXX in spite of that, per their own user agreements. However, I will never be compensated for it, and if Chase has it their way, the vendor running this blatant scam will never have to face the consequences.
Product: Credit reporting or other personal consumer reports

I recently reviewed my EQUIFAX credit report and identified an unauthorized hard inquiry made by " XXXX XXXX XXXX '' on XX/XX/year>. This inquiry is not tied to any open or legitimate accounts. I did not authorize this inquiry, and EQUIFAX does not have my written consent to publish it. 

I am a victim of identity theft stemming from multiple data breaches, and this inquiry is one of several fraudulent entries resulting from these incidents. I have filed an FTC Identity Theft Report, which names this inquiry, and I have also submitted a formal written dispute to EQUIFAX requesting its removal. 

I am submitting this complaint to ensure proper documentation and accountability. This inquiry negatively impacts my credit and was placed without my consent.
Product: Money transfer, virtual currency, or money service

I had a check that was sent our from the irs on XX/XX/ and it was for XXXX and this lady named XXXX XXXX and a guy named XXXX XXXX has gained control fo my check XXXX XXXX took money out my apex investment hub account and told me that she and XXXX XXXX paid to have the money concealed as taxes and I got to thinking that taxes was filed in my name and so I said to the XXXX XXXX I wanted my rmtaxes and they got mad and said I want suppose to call it taxes it was XXXX check but from my knowledge it was mailed from the irs and my child support was taken out XXXX taken out and they have taken my XXXX accounts by the directive of XXXX XXXX XXXX and he told her to take me accoutnof mine and my kids down and transfer to him as well as my irs federal tax return of XXXX and she changed my address in the irs online portal and had the check sent to a Pennsylvania address in a public housing unit inwhich I living in tennessee at XXXX XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I transferred XXXX into my Marcus account for their promotion to earn a {$100.00} bonus for depositing new money into the account for 90 days. Marcus closed my account without issuing my bonus on XX/XX/XXXX. The interest I earned in XXXX was never given to me. 

Below are the terms of the promotion Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XX/XX/XXXX to XX/XX/XXXX ( the Offer Period ). 

To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account ( Account ) in this Offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXX XXXX  ET on XX/XX/XXXX. Upon successful enrollment, you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX  ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer. 

If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account. 

The {$100.00} bonus will be deposited into your enrolled Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your Account must be open and in good standing at the time the bonus is deposited in your Account. The bonus will be treated as interest for tax reporting purposes. 

Offer available to new and existing customers. Each customer is limited to one cash bonus under this Offer. This Offer can only be applied once to an account. If an Account has multiple owners, the Account is limited to being enrolled for this Offer under only one of the Account owners and receiving only one cash bonus. Remaining Account owners may be eligible to use another eligible Account to enroll in this Offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers. 

We reserve the right to modify or revoke this Offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this Offer, you will not be eligible for this Offer. 

Questions? 

Give us a call toll-free at XXXX. We're available 24 hours a day / 7 days a week. Well be happy to help!