23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX ACOUNT # XXXX 2. XXXX OF XXXX ACOUNT # XXXX 3. XXXX OF XXXX ACOUNT # XXXX 4. XXXXXX/XX/XXXXXXXX ACOUNT # XXXX 5. XXXX XXXX ACOUNT XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My XXXX XXXX credit monitoring shows the creditors reporting false info. on both charges paid on XXXX. 

1 ). 
XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX PAYMENTS XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal UNCATEGORIZED ( {$120.00} ) Notes : Comfirmation # XXXX Paid account # XXXX original amount XXXX per reduced agreement XXXX XXXX ). 
XXXX XXXX XXXX XXXX Purchase XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal Misc. Business Services ( {$81.00} ) Notes : Comfirmation # XXXX XXXX XXXX XXXX XXXX account through Diversified Consultants
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Debt collection

Back in XX/XX/XXXX, some XXXX stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XX/XX/XXXX. It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony , and XXXX XXXX XXXX XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX, I am not in collections. I don't know what to do to resolve this. 

This was the exact copy and past from my previous complaint, # XXXX. Here is the new information. Instead of Paypal/Synchrony trying to work with me, they have decided to sue me. They are using XXXX XXXX XXXX XXXX XXXX XXXX from XXXX NC. Fee 's and interest have not changed, nor can I get a person from Paypal/Synchrony to contact me through email, because my phone is off. The dozens of people I've spoken with, I've told to contact me through email, and they still don't listen. This is outrageous. What am I supposed to do? This debt is partially on them, they allowed someone else to use my account, and to change the information there, preventing me from being able to simply access my account. I want to pay my bill, for what I owe. It wont be a lump sum, it will be monthly, as I continue to get out of debt from some XXXX stealing my identity. 

I would think allowing me access to my accounts, to pay them down, would be a better option than suing me, but I guess big business would rather XXXX people than do whats right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, TransUnion, and XXXX ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.
Product: Mortgage

On XX/XX/XXXX I received a Short Year Escrow Account Disclosure statement from XXXX because the servicing of my account was being transferred to SunTrust mortgage ( I had an escrow balance of XXXX ). SunTrust ( ST ) sent my first invoice on XX/XX/XXXX. I will note that my mortgage with green tree was $ XXXX, once moved over XXXX XXXX that amount was reduced to {$1300.00}, and according to ST my escrow balance was {$2300.00} - I paid the XXXX on XXXX. Then on XXXX/XXXX/14 I received another invoice from ST in the amount of {$1600.00} - I paid that in XXXX installments of {$830.00} on XXXX and XXXX. Then on XXXX I received another letter XXXX XXXX indicating that they have reviewed my escrow acct and determined that I was owed {$660.00}. I XXXX XXXX to dispute this because my account was with them for only 1 month and did not understand how they could have already assessed my account to determine an overage. I called on the date of receipt XX/XX/XXXX and spoke to a cust. svc person. She told me there was nothing to be done, that I must deposit the check. I told her that my property taxes have increased and offered to fax a copy of which I did. No response from ST. I then continue to pay XXXXXXXXXXXX ( XXXX installments of {$840.00} XX/XX/XXXX & XX/XX/XXXX ), and then was billed for {$1400.00} of which I paid XXXX installments of {$840.00} on XX/XX/XXXX & XX/XX/XXXX. I then got a letter from ST indicating that I was in arrears and owed. I was told that they do not take biweekly payments, but then was offered a biweekly payment setup. I signed up that on XX/XX/XXXX and was sent a letter indicating that the deduction would take place on XX/XX/XXXX. The following month I was sent another letter indicating that I was in arrears, and was then informed that I needed to pay 1 month ahead. Their documentation states that the customer will pay a 13 month payment in the bi weekly program. It seemed reasonable because instead of XXXX payments of {$720.00} it would be XXXX. Based upon my calculations I will have paid 15 months from time I was acquired XX/XX/XXXX to XX/XX/XXXX. will be XXXX Then I received an email from ST on XX/XX/XXXX indicating that my escrow was short {$260.00}. then I contacted ST on XX/XX/XXXX. received another letter from ST on XX/XX/XXXX indicating that escrow was short {$620.00}. I paid it and received an email on XX/XX/XXXX indicating that amount was received. Today I receive my mortgage statement from ST and they indicate that I owe {$3000.00}. I have been paying SunTrust all along, and on time. I do n't know what to do and have not had success when taking with their customer service reps. 
It is imperative that I have someone from the CFPB address SunTrust on my behalf, I feel that they are trying to force me into an unnecessary foreclosure or are trying to bully me in to paying additional funds unnecessarily. Please help and stop the unnecessary harassment.
Product: Credit reporting or other personal consumer reports

Carter-Young , Inc. , a collection company located at XXXX XXXX XXXX, XXXX, GA XXXX sent me one ( XXXX ) Collection Notice dated XX/XX/XXXX. The notice was for past due rent from XXXX XXXX, an offsite XXXX  apartment for XXXX  in XXXX, AL. I signed a seven ( 7 ) month Guarantor Addendum for the Lease Term of XX/XX/XXXX to XX/XX/XXXX. When the Paid-in-Full Lease expired XX/XX/XXXX, a new twelve ( 12 ) month Lease was completed without my knowledge and without a new signed authorized Gurantor Addendum from me for the new 12 month Lease term. Only the Resident signed the Lease with XXXX  XXXX. 

XXXX  XXXX stated that my expired Gurantor Addendum could be used regardless of the expired Lease term date and submitted my name to Carter-Young for collection. I wrote to Carter-Young explaining I only received one notice of this debt and the debt was not mine. Carter-Young sent the {$5400.00} debt from the new 12 month Lease to my credit report on XX/XX/XXXX.
Product: Debt collection

I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau XXXX CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX has submitted an Application for the transfer of funds No. XXXX from bank account No. XXXX XXXX XXXX XXXX XXXX to the account of the payee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX dollars to pay for the services of a freight forwarder for the delivery of XXXX containers XXXX XXXX XXXX XXXX of XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) according to Invoice No. XXXX dated XX/XX/XXXX to the Contract on XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
The funds did not reach the payee. The payment was rejected by the XXXX bank of America. 
XXXX XXXX XXXX XXXX applied to the XXXX XXXX XXXX XXXX XXXX of the U.S. Treasury Department. According to the Response from XXXX, " the funds you are referring to have apparently been rejected, but not blocked. Please contact the bank that rejected the transfer of funds to make sure that the refusal occurred and that the funds were returned to the sender. '' We would like to clarify where this payment is located and how it can be returned to the sender of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ welcome to XXXX letter received. Federal loans will be transferred to XXXX in 30-45 days XXXX XXXX XXXX congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX and placed back into good standing. 

XXXX XXXX. XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under Fresh Start we will not be reporting these loans unless you consolidate the loans. 


XXXX XXXX XXXX  Notice of TPD Discharge. Shortly there after, NelNet added 160+ derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX NELNET OMBUDSMAN have all been severely unhelpful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Account name : XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements. 


Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.
Product: Credit card or prepaid card

Over the past couple of months my business ( fleet ) credit card for gas purchases has fallen victim to a number of fraudulent charges that have posted to our account. The fraud protection system that the card uses flagged these as potential fraud and emailed me to confirm or deny the charges. In every instance I have responded that the charges were not authorized, and the card company blocked the compromised cards and issued a new one. When I received my statement I noticed that we were still charged for the fraudulent charges despite reporting that they were not authorized. I called the credit card provider earlier in XX/XX/XXXX and was told that even though we already reported the charges as fraudulent that we still had to submit a transaction dispute after the fact. I submitted disputes for 4 charges on XX/XX/XXXX and 2 more on XX/XX/XXXX. For each of those disputes I received notices back a week later stating that we will not be credited back for those charges because we have more than 10 cards. Today I have submitted disputes for 3 more charges and I have 3 more to dispute, but the card provider 's website seems to be down. I expect that the responses will be the same as those I have already received. Since the beginning of XXXX we have flagged {$1300.00} in fraudulent charges that the card provider has not credit back to us. Dates and amount of those charges are as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my  XXXX  credit report through  XXXX  I found a "  CBNA  '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything wit h Citibank ). I contacted Citibank by p hone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
Product: Checking or savings account

I have had three fraudulent withdrawals from my savings account with BMO amounting to close to $ XXXX. 

I never got a notification that the money was coming out of my account and the account that the funds went to is not included. 

As soon as I discovered the funds were missing, I called them. 

I first called them on XX/XX/XXXX. The CS rep provided me with the numbers that the ACH came from and told me to call them. I told her that I did not feel comfortable doing that as it was clear these were fraud charges. She then proceeded to file a claim on my behalf. 

I didn't feel confident in her, so I called back on XX/XX/XXXX to confirm the claim had been filed. The CS rep I spoke to said, that was correct, but to give it a couple of weeks. 

After not seeing any changes in my account, I called on XXXX and was bounced around several times. The person I finally spoke with said that because it was a ACH, I needed to email XXXX and confirm that these were fraud charges. 

I sent the email on XXXX and a couple of days later got a response that this email address was for commercial accounts only. 

I called again this morning ( XX/XX/XXXX ) and they said they could not help me and that I need to go to a branch. I confirmed again that I don't live in an area with a branch and the call got disconnected. 

This is very upsetting as $ XXXX is a lot of money and the tax season is upon us. 

I would like my money returned so that I can cancel my account with BMO and move on with my life. 

EB XXXX SV WEBXFR TRANSFER XXXX/23 - {$4800.00} WEB  XXXX SV WEBXFR TRANSFER XXXX/23 - {$4900.00} WEB  XXXX SV WEBXFR TRANSFER : XXXX23 - {$4900.00}
Product: Debt collection

On the XXXX of XXXX I consumer XXXX wrote two letters to company Arcadia Recovery Bureau to validate alleged debts of {$1400.00} and {$600.00} that appeared on my all my consumer reports certified mail via USPS tracking number XXXX XXXX XXXX XXXX XXXX. The company never replied regarding my request for validation of the alleged debt under 15 USC 1692g even after 60 days. In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I am attaching the letter that was sent along with the certified mail receipt to this complaint.
Product: Checking or savings account

On [ date ], I attempted to withdraw money from an ATM at XXXX in the XXXX using my Chase debit card. No cash was dispensed after entering my PIN and inserting my card, yet I feared the transaction may have been processed. Suspecting fraud, I immediately visited a Chase branch in the XXXX, where a representative helped me file a claim. 

Chase has since denied my claim, stating there is no withdrawal record. XXXX also refuses to assist, citing the lack of evidence that their ATM processed the transaction. Despite this, I have no record on my account showing the money was withdrawn, and Im left without resolution or reimbursement. 

I seek further assistance to investigate this issue and ensure that I am not held accountable for a transaction that did not occur.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request debt validation regarding a debt that has been reported to me by Amsher Collection Services. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the alleged debt.

Please provide the following information regarding this debt : 1. Validation of the Debt : The name and address of the original creditor.

The date of the original debt and the amount owed.

A detailed explanation of how the amount was calculated.

Proof that this debt is within the statute of limitations for collection in my state.

2. Proof of Your Authority to Collect : Documentation that you are legally authorized to collect this debt.

A copy of the agreement that gives you the authority to collect on behalf of the creditor.

3. Verification of My Liability : Copies of any signed agreements, contracts, or documentation that establish my obligation to this debt.

A copy of any judgments obtained against me, if applicable.

Until you provide the requested information, I am disputing the validity of this debt and requesting that you cease any collection activities, including reporting this debt to credit bureaus, in compliance with federal law. 

Please send all verification documents to my mailing address listed above. I expect a response within 30 days of receiving this request, as required by law.