23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Recently, I discovered discrepancies and unauthorized charges on my accounts, which have led to an inflated balance that does not accurately reflect my financial responsibilities. Upon thorough inspection of my account statements, I have identified AMAZON STORE CARD that I did not authorize or recognize. It is evident that my accounts have been compromised, leading to these charges. 

I want to emphasize that I do not owe the current inflated balances on my accounts. 
I am kindly requesting your immediate attention to rectify this matter by removing all unauthorized ACCOUNTS FROM COLLECTIONS. It is crucial that my accounts reflect only the legitimate and authorized transactions that align with my financial activity. 


I understand the gravity of this situation and the impact it can have on my financial stability. Hence, I am diligently working to secure my identity prevent any further unauthorized access. I kindly ask for your cooperation and support in this matter to expedite the process of resolving these discrepancies ' am committed to providing any necessary documentation or information to assist in the investigation and correction of these unauthorized charges. 

I sincerely appreciate your prompt action and attention to this urgent matter. Please confirm receipt of this letter and provide me with the necessary steps or procedures to resolve this issue at your earliest convenience. 

Thank you for your immediate attention to this critical issue. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The address below is incorrect and needs to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX OH XXXX Under USC Sec 15 1681, 1682, 1683, 1684 these items must be immediately removed. I have recently disputed these items to no avail and these needs to be removed asap. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. You guys have XXXX XXXX XXXX and my name is XXXX XXXX XXXX All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Received on XXXX XXXX XXXX a written dispute From Me that highlighted all inconsistencies and incorrect information on my credit report. They never initiated the disputes on my behalf until Today. I have spoken with Them in regards to remedying the matter every day they have been available since the mailing of the dispute. In response Verbal Disputes were placed on my account and not in connection with the Supporting documents I sent. Ive explained to them I am undergoing a mortgage and more than likely will miss the deadline because now my investigation will take an additional 30days to resolve. 

Similar Time frames and situations as for EQUIFAX And XXXX
Product: Mortgage

On or about XXXX, the then insurance XXXX, XXXX, notified both the mortgage company and ourselves that they were increasing the premium rates by XXXX % over last year. We contracted with another insurance company, XXXX, in XXXX, for the same coverage, resulting in a lower premium rate {$1300.00}, than paid in the previous year. XXXX was notified to cancel and they confirmed that they would cancel on the anniversary date. XXXX began coverage on the anniversary date, insuring no lapse in coverage. 

Village Capital & Investments LLC, the mortgage company, recalculated the monthly mortgage payment reflecting the increased insurance cost change from {$1500.00} to {$1900.00} ( 40 % ) in XXXX and changing the mortgage payment from {$2600.00} to {$2700.00}. They then change to amount to {$2700.00} without explanation. 

I have spoken with numerous personnel at Village Capital, they confirm each time that they have XXXX as the insurance carrier, and that the annual premium is {$1300.00}. I have made XXXX phone calls, XXXX requests that they correct their escrow amounts and XXXX requests that a XXXX call me, and have not received a call yet. 

The monthly principal is {$540.00}, the interest is {$1700.00}, the insurance is ( {$1300.00} / XXXX ) {$110.00}, the taxes are ( {$2500.00} / XXXX ) {$210.00} for a total monthly due of {$2600.00}. NOT {$2700.00} We sent a check for {$2600.00} las month which they are holding but not crediting to our account and are trying to charge a late fee of {$100.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have requested my credit reports from XXXX, Transunion and XXXX and after careful review and investigation I have found XXXX negative items and XXXX unauthorized inquries on my credit profile. I have contacted the consumer reporting agencies and disputed and notified them all of unlawfully reporting of unauthorized inquiries on my credit profile of an account that was opened on XX/XX/XXXX. I have not given them any permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft and Defamation Of Character pursuant to 18 U.S.C. 1028A. They have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liabilty.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both '' By willfully violating the FCRA, I am willing to settle their civil liabilty damages I have suffered because of their violations for {$3000.00} from ( XXXX, Transunion and XXXX ) pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should they fail or refuse to settle the demand, I will seek actual damages which are greater than {$3000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

XX/XX/XXXXXXXX XXXX XXXX  : Hackers gain access to my online Wells Fargo account and changed the access credentials. 

XX/XX/XXXX XXXXXXXX XXXX  : I was contacted by someone who claimed to be with Wells Fargo Fraud Dept ( caller Id credentials matching Wells Fargo official number ). I was misled to believe that fraud had occurred on my account ending in XXXX via a 3rd party application ( XXXX XXXX ) and coerced into participating in a attempt to catch the alleged suspects by sending the amount of {$1000.00} ( case # XXXX ). 

XX/XX/XXXX XXXXXXXX XXXX  : 2nd contact by the same scammer posing as a Wells Fargo Fraud dept. rep claimed that both of my debt cards ( ending in XXXX and XXXX ) had been compromised and needed to be cancelled and new card issued and new PIN # Id 's established. In addition, both card needed to be sent back immediately via express courier that XXXX  via a address provided ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) w/ claim # XXXX via mailbox pick-up point. 

XX/XX/XXXX The next morning, I received multiple e-mails that throughout the night that transfers online between my four Wells Fargo accounts had been made, daily withdrawal limit had been increased, and suspicious ATM withdrawals had been made and I need to verify. I called Wells Fargo Customer service and made multiple fraud claims with the various associated departments. 
1.claim # XXXX ( Approved ) amount ( a ) {$300.00} dollars overdraft reversal from ATM transaction XX/XX/XXXX. ( b ) {$2000.00} Reversal of fraudulent online cash advance from credit card account. Reversal can not be fully completed as the funding account is NSF due to actions made by the scammers. 
2. claim # XXXX ( Declined : error did not occur ) multiple fraudulent ATM transactions made at Wells Fargo two separate branch locations for ( a ) {$300.00} x XXXX = {$1500.00} ( b ) {$1900.00}. 

Compensation requested : 1.fraudulent ATM withdrawals = {$3400.00} 2.Fradulent coercement via XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

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

I meet a guy on XXXX saying hes from XXXX and hes selling XXXX XXXX  XXXX  {$50.00} for {$45.00} and I made payment via PayPal to him Later find out card was already redeemed. He told me hes gon na refund the payment later find out he blocked me on PayPal and on XXXX. 
XXXX PayPal email ; XXXX XXXX sent {$45.00}
Product: Credit reporting or other personal consumer reports

XXXX HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO DELETE.
Product: Student loan

Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Dominion Law Associates. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
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. 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 th
e person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX  and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I loaded money onto my PayPal PayPal business debit card {$200.00} to be exact it was in XX/XX/2020 PayPal close my account within 10 minutes after I loaded the {$200.00} on there they told me for over a year there was nothing they could do about it until I had the email address so I got the email address and then they told me I have to have the card number well I got the card number and then they said that the account was closed and they furthermore proceeded to talk to me in a very very bad manner and they close all of my accounts and now I cant use them anywhere but they still have my {$200.00} and they have not sent me a check in the mail like they were supposed to
Product: Credit reporting or other personal consumer reports

Legal Department, This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : ( Collection account ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX XXXX, I went in to make a bulk t-shirt order at The XXXX XXXX for my clothing business. I have worked with them in the past 3 times and had no issues until my forth time. They charged me {$400.00} for my order and we agreed on a date when the shirts will be done for me. Couple days past and The XXXX XXXX will give me the run around of when they'll have the shirts done. 
By XX/XX/XXXX I asked The XXXX XXXX for my money back if they were not going to do my order. 
I didn't get a response back. I texted them again that same day and got no response. So I filed a claim with my bank. My bank did give me my funds back that same day. Today XX/XX/ my bank took the {$400.00} and credited it back to the merchant. I called Chase which is my bank and they told me the reason why they credited the money back to the merchant was because the merchant provided a receipt stating that once I pay I agree to my order being picked up. At The XXXX XXXX, that was never brought up and it was a requirement for me to pay the full amount of money in order to even get my shirts done. I have the text messages of me texting the owner of XXXX XXXX XXXX which his name is XXXX. The phone number Im texting is also linked the business if you search it up on XXXX. I tried my hardest to getting in contact with the merchant and they just ignore me.
Product: Credit reporting or other personal consumer reports

Best Buy I paid XXXX of XXXX XXXX. 
XX/XX/XXXXXXXX  they email me thank you for your payment. 
Again XX/XX/XXXX thank you for your Payment. 

Next Email was XX/XX/XXXX thank you for payments Next Email XX/XX/XXXX thank you for your payment Best Buy billed me I noticed a large bill XX/XX/XXXX for {$3000.00} dollars and minimum payment of {$370.00}. I to paid the entire bill. 


I began to look back because this is wrong. 
After I complained to the company and XXXX They updated and there things appeared all explained. 

XX/XX/XXXX there is a bill of {$3000.00}. Minimum pay of {$370.00}. 

The month before and after this bill I paid it appears {$50.00} and this goes on until XX/XX/XXXX. Best Buy stated thank you for your payment. 

If a company asked for Minimum due {$370.00} and you pay {$50.00} for a year, this is usually unheard of. According Best Buy I was able to make purchases. 


My email from Best Buy do not reflect any of these payments. from XX/XX/XXXXXXXX  to XX/XX/XXXX these is no email for all my payments. 

Also when I looked back I originally did not see the XXXX dollars reflected as a payment. 
Until I complain everything was updated and found. 

This is not right something is not right XX/XX/XXXXXXXX  I paid XXXX XX/XX/XXXX paid XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

The information this company says I have XXXX XXXX Credit Card never received in the mail this say I have account with them of XXXX put on my credit file the company should contack the my law frim not me or put on my credit file.
Product: Student loan

I set up a consolidation re payment plan through Western Benefits group and come to find out it is a free service from my loan provider XXXX XXXX XXXX. Western Benefits required an upfront payment of two installments of approximately {$300.00} each than {$35.00} a month following those two payments. I signed up in 2015 and have paid approx. {$1800.00} to this fraudulent company with no benefit from it what so ever. Please be advised and call your loan provider. This company is a SCAM!!