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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX ] Re : Unauthorized Hard Inquiries Request for Removal To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report while my credit was frozen. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have my personal and financial information protected. The presence of these inquiries constitutes a violation of my rights under the FCRA. 
Specifically, I did not authorize these inquiries, and they were made while my credit report was frozen, which further demonstrates that they were illegal and unauthorized. The details of the unauthorized inquiries are as follows : Inquiry XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX XXXX of Inquiry XX/XX/XXXX Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX I request that these inquiries be removed from my credit report immediately. I am enclosing copies of my credit report showing the inquiries, Also, I have a spoken to several operators/representatives from your company in the membership department who has acknowledged on audio tape that my report was frozen from XX/XX/XXXX until XX/XX/XXXX. 
If these inquiries are not removed, I am prepared to escalate this matter by seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). The FCRA provides for statutory damages in cases of willful non-compliance, and I take my rights very seriously. 
Please investigate this matter promptly and confirm that the unauthorized inquiries have been removed from my report. I request that you send me a new copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : CFPB, FTC, FCRA
Product: Credit card

I went to pay my American Express ( AE ) Credit card balanceon XXXX XXXX. I auto paid my balance for the last 5-6 years. 
using my XXXX account. I gave them instructions to use XXXX account for a payment of {$2100.00}. 

On XXXX XXXX I received a notice from AE my bank rejected the payment. 
I checked the money was still in my XXXX account. 

I recently moved from XXXX to XXXX. I found out XXXX does not have any branches in XXXX. I did not have enough money in my XXXX account to settle the amount owed. My XXXX XXXX got a bank check from XXXX to cover the balance. I have never done any business with XXXX.She mailed in a check to American Express. The check cleared the XXXX payment. 

What I found out next shocked me. American Express did not use my XXXX account in XXXX as requested but instead just took the account info from the XXXX Check deposited in XXXX and sent that info in for payment.Of course it was rejected. 

This is illegal and was certainly not authorized by me. When I called American Express for an answer. They told me I did tell them to use XXXX but there was no record of that account after 6 years of use. 

Their supervisor XXXX was most very condescending when speaking to me and lied through he teeth about where the new info came from. 
to protect his XXXX. 

Some one put that false info in for whatever, who knows? Their employees need more sensitivity training. I feel American Express should be severely fined and I should be awarded a small sum for all their abuse and time spent fixing the problem. 
training.
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 {$3000.00}, {$0.00}, {$9200.00}, {$6600.00}, {$9500.00}, {$10000.00}, {$18000.00}, {$0.00}, {$520.00}, {$130.00}, {$7200.00}, {$2300.00}, {$63.00}. 
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 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. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

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


-- INSTALLMENT LOANS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

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

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

13. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT Reporting Utilization is illegal. XXXX account XXXX XXXX open date XXXX ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX Civil liability Delete from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Debt collection

XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, Total card inc., on behalf of XXXX XXXX XXXX  has placed it back on my credit and requesting funds. I disputed it online with XXXX  and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from Total Card , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to Total Card Inc., but I have read online through the XXXX  that people said their letters were returned to sender from Total Card Inc. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to receive my annual credit report online for Transunion. 

I keep receiving an error : " We do not have a record that matches the information you entered. If your personal information ( name, SSN, address ) has recently changed, you should make sure that your personal information is current with us, and resubmit your request using the methods listed below. '' I called the number provided on the website and spoke to a Transunion CSR. The CSR told me my report would be sent via US Mail however instead I received a post card from Transunion saying they never heard on me before. 

My Transunion File Number is XXXX
Product: Mortgage

In XXXX 2016 I was departing the country fro two months and paid my XXXX and XXXX mortgage in advance and asked for auto pay to be removed. In XXXX the Bank of America attempted to collect the XXXX payment an increased rate of {$2600.00}, as the fund were not available I was charged overdraft fee. 
The mortgage department then blocked me from paying the mortgage, because of a late payment. There was no late payment as it was a attempt to collect the mortgage two month in advance. 

On Friday the XXXX of XXXX I received the letter saying they refused the payment of XXXX mortgage by direct transfer. I had to pay by certified check. 
I explained that I had just come out of hospital and could not drive, the bank employees said they would not make a change so that I could pay on line nor could I pay in cash even if I went to the bank. 
I have been discriminated against and not given fair and equal access to my account both the mortgage account and current account are in my name and the Mortgage department blocked payments. 
In desperation I called my daughter who drove me to the bank to make the transfer. 

When I called the mortgage department back they said they may return the payment. 
The supervisors failed to call me back failed to put me in touch with the resolutions department. Failed to provide their names, threatened to foreclose on my house. 
This was extreme discrimination against an elderly XXXX person, I fully informed them of the XXXX and still was forced to travel XXXX miles to the nearest branch to resolve the issue. This was XXXX. 

Durung the past several years I have had numerous complaint on enforced insurance when I held insurance. Overcharging of insurance when they enforced insurance, failure to return funds. The mortgage rate is charged at 6.25 % the bank refuse to change this due to dramatic changes in circumstances, I am being forced to sell the house due to the XXXX, overcharging and general harassment by the Bank of America Mortgage and Insurance department.
Product: Credit card

Please accept this COMPLAINT concerning Citibank and its failure to clear fraudulent charges made on my Citibank credit card account. The fraudulent charges total {$7100.00}, incurred on XX/XX/XXXX by a company called XXXX XXXX in XXXX. 

I became aware of these charges on XX/XX/XXXX, when I received a call from XXXX XXXX at Citibank stating suspicious activity was noticed on my card. This was labeled as the date fraud was reported. I informed XXXX XXXX that neither me nor my husband made these charges and they were in fact fraudulent. During this conversation, XXXX XXXX advised me to submit a police report in support of my claim- especially since she stated it appeared to be fraudulent on her end given the recent trends in XXXX at the time. In accordance with her instructions, my husband filed a complaint with the local Colombian authorities, and the police report was subsequently submitted to Citibank on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, I followed up with multiple phone calls concerning the status of my case on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Finally, I emailed the Citibank Executive Response Team on XX/XX/XXXX. 

At some point, it appears that this " suspicious activity '' was redesignated as a disputed charge. At no point, however, was I told what investigation was conducted to verify the fraudulent charges, and dismiss them from my account. Citibank never informed me whether there was a chargeback to the merchant and never provided me with the representation documents provided by the merchant to support the charge. In fact, the only meaningful information concerning the investigation I was told was that the police report we filed was neither reviewed nor considered. 

I have since received notices stating that this dispute -- flagged immediately as suspicious activity and immediately confirmed as such within 24 hours -- was resolved against me. I was never given the opportunity to speak with a supervisor who could explain this determination and how it was reached. 

On XX/XX/XXXX, I spoke to another supervisor named " XXXX '' from the fraud department who again refused to explain anything further. Finally, I reached out to the Citibank Executive Unit on XX/XX/XXXX and received a response on XX/XX/XXXX. The response not only dismissed my request to review the case along with the certified, translated police report, but also threatened to report me for nonpayment of these known fraudulent activities on my card.
Product: Debt collection

I received a debt collection for the company named : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX on the date XX/XX/2023. 

I wrote back a debt validation letter with certified mail on XX/XX/2023, asking for them to verify that the debt belonged to me. It has now been 66 business days, as it is now XX/XX/2023 and I have yet to receive one piece of validation letter from the company. Which leads me to believe they are either scammers or they are attempting to illegally collect debt. By scaring me into paying a large amount of money without providing me any evidence that it even belongs to me. 

I waited patiently for a potential validation letter ; instead, I received an offer letter to pay a percentage of the " debt '' without providing any of the documents I requested to verify the debt. They sent the offer letter around XX/XX/2023, but have yet to validate the debt for over 30 days. 

I did my part and sent them a validation letter within the allotted 30-day time frame. Below, I have attached the debt validation letter with proof of the receipt from certified mail that the company has received it, copies of the collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX   report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Boiling Springs, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX XXXX XXXX XXXX I am writing to request an immediate update and correction to my account with XXXX XXXX XXXX XXXX XXXX I have received IRS Forms 1099-C and 1099-A, which confirm the discharge of my obligations totaling {$18000.00}. However, my account remains inaccurately reported, as the discharged debt continues to appear on my consumer credit reports, and I am still receiving incorrect billing statements. 
Additionally, I believe that XXXX XXXX XXXX XXXX does not own the debt in question. To verify this, I request a full account ledger detailing my accounts transactions, ownership, and any transfer of rights associated with the account. 
Account Information Borrower Name : XXXX XXXX Total Discharged Amount : {$18000.00} Discharge Evidence : Copy B of 1099-C and 1099-A attached Request for Action 1. Account Update : Please update my Navy Federal account to reflect the discharge and confirm a {$0.00} balance.

2. Credit Reporting Adjustment : Notify all credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX to remove any negative or active entries associated with this discharged debt.

3. Cease Billing Statements : Discontinue all billing statements or communications related to this discharged debt. 
4. Provide Account Ledger : Supply a complete and accurate ledger for my account, including all transactions and ownership details.

Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form 1099-C ( Cancellation of Debt ) IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) These documents clearly establish that my obligations have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to any appropriate regulatory bodies to ensure compliance with federal laws regarding debt discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Copy of 1099-A Also the collection still being reporting for an auto loan while the auto was repossessed illegally without notice and sold. The amount you sold it for is the amount cleared of the alleged debt! That is also reported illegally and inaccurately.
Product: Debt collection

Most recently I have been disputing these accounts with Equifax around XX/XX/XXXX early XX/XX/XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Equifax on XX/XX/XXXX. Equifax has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted creditor " XXXX XXXX bank '' and they refused to talk to me because I am no longer liable for the account nor am I an authorized user on the account. 
XXXX XXXX XXXX, XXXX ) I have attempted to submit multiple claims through equifax and have been denied the ability to submit a claim due to lack of verification of my identity on equifax files. 

I have contacted the actual owner of the account and she verified on multiple occasions that I am no longer on the account. 
( Last contacted in XXXX XXXX ) I have had no issues with XXXX XXXX and the aforementioned credit reporting bureaus has had no issues removing my name from accounts where my ex fianc is the primary account holder and I was an authorized user for a brief period of time XXXX XXXX months XXXX.