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/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. 

-- 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/XXXXwith 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 CARD 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: Mortgage

my mortgage was sold fr= from one bank to another and the new bank will not honor the payment agreement made with the the first bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

The creditor has and is reporting my credit history inaccurately.

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623.

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ).

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX BANK XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX BANK XXXX DATE : XXXX XXXX, XXXX Inquiry : XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX DATE : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX sold my home paid off mortgage and arrearages. We were in Bankruptcy Chapter XXXX and court granted us permission so sell home. In XXXX i notified credit bureau of the inaccuracy and they removed it because XXXX either agreed or did not respond. Today XXXX/XXXX/XXXX i received a email stating XXXX reported that we are 120 days delinquent and account closed. This supposedly was report on XXXX XXXX, XXXX the date our account was paid in full. Because of this we are being denied credit and this has truly ruined myself and my wife the opportunity to move forward. i am submitting proof for your review. Chapter XXXX was discharged on XXXX XXXX, XXXX by the court.
Product: Debt collection

In two separate instances, this company has contacted my minor child. Latest attempt was XXXX/XXXX/2016.
Product: Debt collection

I have 2 credit cards on my credit report one in which was garnished and I was told was satisfied but now its back on my report how ever both credit cards debts are over 6 years old which is the Oregon statue of limitations to pursue such debt. They said it was too late and was sent to be garnished which is against the statute of limitations.I would like for this to stop abs be removed immediately as its affecting my credit score. Shame on them.
Product: Debt collection

i have been going back and forth with experian about these unauthroized charges on my account. i opend a student loan when i was in XXXX XXXX which is the only thing on my credit report that is authorized they had my account crossed with another social security number
Product: Credit card or prepaid card

In XXXX of 2020 I was saddened to see my credit was dramatically affected by an unfair miscommunication on behalf of American express. I was made aware my American express Gold card was delinquent. I was furious because I was assured by an American Express Rep my card was on Auto-Pay when it clearly was not. I paid the total amount on the card in full upon my acknowledgment of delinquency and politely ask we get this taken care of as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the multiple and unsuccessful attempts to remove fraudulent items from my credit file. Despite consistent efforts and a substantial amount of documentation supporting my claims, these fraudulent items continue to tarnish my credit history, causing me significant distress and financial consequences. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency and provided extensive documentation to substantiate my claims of identity theft and fraud. These documents include police reports, affidavits, and dispute letters. 

Despite my multiple efforts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The negligence in addressing this issue has had devastating effects on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit file to verify the existence of the fraudulent accounts. 

An investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter, as well as an outline of the steps being taken to expedite the process. 

Written confirmation of the actions taken to rectify this situation and a clear timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that fraudulent items be promptly and accurately removed from my credit report. I expect that your agency will adhere to these federal regulations and work to resolve this matter in an efficient and satisfactory manner. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

My loan was transferred from XXXX to Green Tree on XXXX XXXX, XXXX. Green Tree is now Ditech Mortgage Corporation. I have not received loan documents from Green Tree or Ditech as of today XXXX/XXXX/XXXX. I have made numerous requests for my loan documents via Green Tree and Ditech customer service email web site and by phone with their customer service representatives. As a result of those requests I received from Ditech three sets of loan documents covering a loan I had with XXXX back in XXXX, but nothing covering my loan withGreenTree/Ditech. In addition to the missing loan documents Green Tree/Ditech tacked on late fees to my loan amounting to nearly {$300.00}. I have never been late with my payments to Green Tree/Ditech. I am very frustrated with the situation. I know Green Tree/ Ditech is breaking the law by not providing me with loan documents..
Product: Credit card or prepaid card

I received application denied from Discover Card. I never have applied for this card. The letter said contact Federal Trade Commission Identity Theft which is what Im doing. I have received 3 letters saying they have denied my application because they were unable to identify information. I have NEVER applied for this card.
Product: Money transfer, virtual currency, or money service

Im filling a Complaint against Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous threatening calls from Account Receivable Solutions, Money Recovery Nationwide and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1.  Money Recovery Nationwide- XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

through the whole year of XXXX  when I wanted to send payments there always a limit with my bank also stopping me on paying stuff I need or to even send any money to the people I needed it was so hard to even do I loved my bank but it was getting hard while zelle use to always get hacked having at least XXXX taken out of my bank without knowledge wanted explanation and no answer was given I hope resolution is found for this I truly do
Product: Mortgage

Official looking mailing received ( from TRU Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ) with a return address of XXXX XXXX XXXX XXXX. Inside the mailing is an offer to reduce our monthly mortage payment. We do not have a mortage and have not for years. The mailing claims their information is based on public record sources which probably means credit bureaus or other data providers they pay for information such as names and addresses. Of course, their claim may simply be fabricated.
Product: Checking or savings account

Someone hacked my XXXX  acct which is connected to by Suntrust bank card on XX/XX/2018 for {$1100.00}. there where originally 5 different transaction transferred for {$100.00}, {$100.00}, {$400.00}, {$400.00} and {$500.00} total XXXX but one of the {$400.00} got flagged and cancelled and was refunded. I got an fraud alert from the bank for the 2 {$100.00} transactions which was the first 2 that happened at XXXX these transactions happened from XXXX. First off why did it take them so long to notify me and from my understanding when a fraud alert is sent the card is placed on hold until you are able to verify transactions. well that was not the case here because the hacker was able to make 3 additional transactions 1 in which we know was stopped and returned.. my question is why wont they all immediately stopped? They got XXXX in 5 mins which could have been prevented if they had placed card on hold when the first 2 initial alerts came in. So i file a claim of course and they denied it saying that the transactions match my spending habit! Are you serious? There is no where in my bank transaction history that suggests that I spend that kind of money on a regular because I don't because I don't have that kind of money just to be sending random people. So i file a rebuttal claim and sent them the transaction history for that day. after i called bank regarding the fraud claim and my card was closed someone else tried to request another {$1000.00} but didn't go through since i had already removed card info and that claim was denied as well because i didn't provide any additional info from the first time. Now i'm no computer genus to know how to track down a hacker. Its that the job of the fraud department to find out where and whom my money was sent to? Now i have to wait again on XXXX to respond to my request for help because they didn't the first time. All i want is for Sun trust to do they job and find my money so i can get my money back.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date XXXX Account Number XXXX Reason for dispute_INACCURATE___ Account Amount _______________ Account Name_XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXXXXXX Account XXXX Account Name XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXXXXXX Account Amount XXXX Account NameXXXX XXXX_______________________ Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account XXXX Account NameXXXX  Date XXXX Account Number____________________________ Reason for dispute__XXXX XXXX Account XXXX
Product: Credit card

My issue at hand is that Chase customer service has refused to allow me to reinstate my payment option for my Chase card. At the beginning of XXXX, I attempted to pay my Chase Amazon Credit Card with my XXXX XXXX bank account. I was in a different state at the time so my XXXX XXXX account flagged it at spam, which caused the Chase account to freeze that payment method and not allow me to use it. When I returned, I immediately unfroze my XXXX XXXX account but I could not use is as my payment account for Chase still. 

I called Chase customer service and they said that I needed to fill out a piece of paper that they would send me via mail after 7-10 days and get a letter from my XXXX XXXX XXXX stating the account was okay to use. The customer service rep said I needed to fax this back to them, and then wait 7-10 business days for my paperwork to be approved. I faxed all the necessary paperwork back at the local Chase branch at the beginning of XXXX. 

I called the customer service line again as my payment account was still inactive a week later. The said they had never received the paperwork. They asked me to now send them the paperwork over " secure message '', I said I no longer had the paperwork, could they email me another copy. They said they could not email me a copy and they had to mail me the paperwork, which would take another 10 business days. I asked to speak to a supervisor. The supervisor stated that despite not having the paperwork, he would go ahead and approve my payment method as he had all the necessary information to do so. He said I would have to wait 10 business days and then the payment method would work. 

I called back again this previous week, XX/XX/XXXX. The payment method still was not fixed. I talked to a supervisor and she told me they never tried to fix it after that previous conversation with a supervisor. She said that in order to resubmit, I would have to start the nearly month long process of waiting for the paperwork, getting a letter from the bank, sending the paperwork back in, and waiting for approval. After I had already done all this and they lost the paperwork. She said I should just cancel my card. I asked if I could speak to anyone higher regarding this issue and she said no. 

I have been dealing with this now for 3 months. I have no other way to pay this card other than driving into the chase bank every month and paying by cash advance. I am frustrated that I have been lied to and strung along by an incredibly ineffective process. I am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of this constant battle and just want to be able to pay my credit card.