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 {$0.00}. 
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 XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXon 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 ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that the XXXX  XXXX does not associate with any creditors or inform them of any information regarding consumer reports. 
Therefore, the information being reported is incorrect and should be removed trom my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that l believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous : ( XXXX XXXX XXXX  ) This is destroying my credit eligibility to get funding & damaging my lifestyle if nothing is done, ill be taking this to court
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I incurred. Despite having sufficient funds when the transaction was made. I was charged overdraft due to lagged post of charges and credit. I would like to request an investigation into my account because I believe this practice is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy. 

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of questionable 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 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 XXXXXXXX
Product: Credit card or prepaid card

We have received a gift card for {$150.00} for birthday from friends and when we tried to use it, it has XXXX  balance, The card is issued by Vanilla, in a sealed packet, and we have activated prior to going to the store, but it already was activated by some one and all balance is used up. 

Following are the details : Vanilla VISA Gift Card Cust service no : XXXX XXXX XXXX Purchased at XXXX  Store Card number : XXXX Expiry date : XX/XX/29 Cvv XXXX Name, address, ph no Case # opened by calling customer service number : XXXX Rep name XXXX XXXX Email info : XXXX XXXX
Product: Debt collection

I was contacted by NCR XXXX XXXX CEO from XXXX GA about a payday loan debt I took out about 2 years ago from XXXX XXXX in XXXX TN for {$25000.00}. 
XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our XXXX XXXX and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the XXXX He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Equifax Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I went to use my credit and was told that it showed I owed Child Support Payments. I called TransUnion, XXXX and XXXX to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.
Product: Vehicle loan or lease

I paid off a loan with VW Credit for a XXXX VW XXXX on XXXX XX/XX/XXXX. In XX/XX/XXXX, VW Credit sent me a lien release for the state of California. The state of California does not hold the title to my vehicle ; Alabama does. I purchased the vehicle while stationed at XXXX XXXX ( now XXXX ), Alabama in XXXX. I am currently stationed at XXXX XXXX, CA. 
VW Credit, through multiple phone calls, has told me they are unaware of who currently has my title ; I was told in late XXXX that the state of California had the title ( they do not ), and on XXXX XX/XX/XXXX that the state of Alabama had the title. On XXXX XX/XX/XXXX, I was told that the title department could not locate my title. 

I am due to be stationed overseas in the coming months, and require my vehicle title in order to bring our vehicle under XXXX agreements to XXXX. 

Any assistance that the CFPB could provide to allow me to take possession of the clean title that I should have received in XXXX would be appreciated.
Product: Debt collection

Someone opened a PayPal acct/credit card using my information. I am a victim of identity theft. I was contacted by XXXX XXXX XXXX XXXX, who threatened legal action. I did contact the fraud dept. and they are investigating the claim. I do not know at this time how many other fraudulent accts. are open in my name. I do not have any documents regarding this matter. I was contacted by phone.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX - Account number - XXXXXXXX XXXX  - Account number - XXXX XXXX XXXX  - Original creditor : XXXX  - Account number - XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Account number - XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/ 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Product: Credit card

Paid {$600.00} to One Main Financial on XX/XX/year>. The payment cleared my checking account XX/XX/year>. I checked the credit card and no available credit. 
Upon calling the company I was told all payments had been paid on time. But he had to check something else. He checked and told me the funds will be held until XX/XX/XXXX. Because a check was returned in XXXX. So I asked why wait until now and no answer. 
I even explained this was going to require me to cancel my travel for the holiday. 

I requested the funds be applied and they have not.
Product: Debt collection

COMPANY CONTINUE TO VIOLATE " FCRA, FCBA AND FDCPA '' REPORTING ID FRAUD ACCOUNT, VIOLATES MEDICAL PRIVACY ACT " HIPAA '', NEVER DONE BUSINESS WITH COMPANY, NOT MY ACCOUNT
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I reached out to net credit to attempt to change my bank account information and to request a different due date. I tried to make payments from a debit card while waiting to make changes to my bank account, I was informed by an employee that in order to make payments I needed to first update my checking account information. On XX/XX/XXXX the change was official, but by that point I was severely late on my account. It has been a struggle trying to make payments on a timely manner, due to their ridiculous policies. Ive requested several times to switch my due dates so I can get caught up, but each time Ive been told that because my account is past due their hands are tied. This company sets people up to fail. They also dont have the appropriate information on the loan documents and are not actually authorized to provide loans in the state which I reside. I had to submit a copy of drivers license and proof of residence, and at that point the company should have not authorized the loan. Because they are a predatory lender they do not care, and now my credit has taken a hit and their hands are tied because Im past due. They should not be able to report on my credit if they are a fraudulent loan.
Product: Payday loan, title loan, personal loan, or advance loan

Interest rate is 582 %. XXXX XXXX. No way to make payment arrangements or extend payment time. Loan payment will come out regardless of bank balance causing overdrafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, SYNCB on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX TV on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, SYNCB WALGREENS on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX XXXX XXXX my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the ongoing unresolved issues with my hard inquiries. On XX/XX/2023, I sent my first letter in hopes of having them resolved. However, despite my follow-up letter on XX/XX/2023, I regret to inform you that the inquiries have yet to be removed. I kindly request your immediate attention to this matter and a prompt resolution of the issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My identity was stolen and so I have multiple police reports and a FTC report that proves that I didnt open an account with Comenity/ XXXX or XXXX XXXX XXXX They didnt have none of my correct information on file. Not my address. Not my phone number. Nothing. All they did was update it and verify it, but cant show me proof of verification. I literally sent so many different documents to prove it wasnt me and they ignored it and only update the information. These reports should not be on my credit file. These are fraudulent accounts and I took the proper steps to get it removed, so they shouldve been gone. Not updated.
Product: Credit card or prepaid card

Since opening my XXXX XXXX  account and making gift purchases they have put a restriction on my account. Every day for the past month I have sent the requested documents to XXXX XXXX Card and they keep advising me that they cant verify my information. I last spoke with XXXX rep ID XXXX and when I suggested that I mail the documents she kept going around in circles stating that they cant verify my information. I am currently enclosing the information XXXX XXXX Card is requesting in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action.

Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I have a free account with Equifax so that I can manage my credit freeze. Unfortunately for a very long time I have not had access to the account. When I request a password reset online, the system allows me to change the password but when I go to obtain entry into the account, I receive an error message that stats username and password not correct after three attempts the account will be locked. I have spoke with customer service multiple times and each time the agent will send a link to my email to reset. As mentioned above the same issue occurs. The agent will than stat that they will escalate the issue to higher level tech support and I should receive a call and/or email. Sometimes I will receive an email but the problem starts all over again. Please help as I am unable to take off the freeze and manage said freeze through their online account.
Product: Credit reporting or other personal consumer reports

I am requesting immediate assistance in removing these unauthorized accounts from my credit report.
Product: Prepaid card

My card was declined so I tried to check online to see what is going on and it says my card is invalid to call customer service but nobody answers the call. All together I've been on hold XXXX of the last XXXX hours. 

The first pic is the message I got trying to sign in online. The other XXXX are pics showing I'm not the only one having trouble getting through.
Product: Debt collection

On XX/XX/2020 i submitted a debt validation letter to Midland Credit Management and it was received by them on XX/XX/2020 via certified mail. I gave them 30 days to respond and haven't received any written response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 card or prepaid card

Complaint ID XXXX Hello Spoke yesterday with a gentlemen and went over my complaint situation with him and the response I received from American Express, that had no information about my complaint, or how they were going to resolve it. 
Receiving all my statements from American Express, since 2015 does me no good, as my complaint is how they are XXXX XXXX XXXX about when my bank says American Express received my last payment/funds and when they say they got them and applied them to my account! 
Now if they are " attempting to do this to my account ... What are they doing to others of their customers here in the United States? 
If they are just billing others the same way, it is really fraud and I am sure an illegal act! 
See my paperwork sent in from my bank, XXXX, and American Express said receipt of my payment funds. 
They do not XXXX 
I hope the CFPB gets to the bottom of this improper billing and the situation behind it ... for myself and other Americans and how American Express could be fleecing Americans. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account 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 : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have a loan from Bank of America for our home. Total house price was {$45000.00} and we have made some baloon payments and the loan balance is only {$29000.00} or less. 
For all the property taxes of 2015, we have paid all the taxes to the taxing authority on XXXX XXXX, 2015. We had personally been to their branch office and met XXXX XXXX XXXX and given those receipt copies. I had also sent an email to her asking her not to make those payments. I had also paid all the escrow account due on XXXX XXXX, 2015. 
Escrow account is only meant to cover any and all the taxes paid by BOFA. Now there is no taxes paid by them and they have refused to accept it and asking for the payment of escrow account. I should be responsible for the payment of principal and interest in the amount of appx. {$550.00}. Instead of that they are threatening us to foreclose on the house. Also we have paid in escrow account a total of {$38000.00} or more and they have paid out only {$32000.00} or so. I have asked for more than 30 days ago for the account details and I have got no response on that. My loan no is XXXX XXXX. My cell no is XXXX XXXX XXXX.