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}, {$0.00}, {$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 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 ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I first borrowed XXXX for graduate school XXXX XXXXXXXX from XXXX XXXX   {$10000.00} and {$2000.00} was supposed to be paid part of my internship from XXXX during my second year of graduate school for the school of XXXX XXXX. 
After I graduated my exhusband ran away with our children to XXXX and so I had to put my loan payments on hold in order to pursue my children to try to bring them back. This lasted longer than expected and so my loan had to be refinanced. Now loan is XXXX and I can only afford to pay the interest of XXXX a month. I am XXXX XXXX XXXX and don't know what to do. I want to pay off the original {$12000.00} I borrowed only. This added interest is killing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a fraud account on my credit report in the amount of {$430.00}. This is for a fraud electric account that was opened up in my name at an address I have never lived at or been associated with is XXXX XXXX XXXX XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies ( CRAs ) : Equifax, TransUnion, and Experian Furnisher of Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am filing this complaint against Equifax, Experian, TransUnion and the furnisher 's of information for violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal privacy laws. Specifically, they have shared and reported my private financial information without my consent, failed to maintain reasonable procedures to ensure accuracy, and violated my right to privacy.

LEGAL VIOLATIONS Violation of Privacy Rights ( 15 USC 6801 ) : Financial institutions, including furnishers of information to credit agencies, have a legal obligation to protect the privacy and security of consumers ' nonpublic personal information. I was never informed of my right to opt out of sharing my information with nonaffiliated third parties, as required by 15 USC 6802 ( b ) ( c ).

Unauthorized Disclosure of Information ( 15 USC 1681 ) : Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies ( CRAs ) like Equifax, Transunion, and Experian may only furnish a consumer report with the written consent of the consumer. I have never provided written consent for my information to be shared or reported.

I have already formally opted out, yet they continue to report nonpublic personal information without my permission.

Failure to Maintain Reasonable Procedures ( 15 USC 1681e ) : Equifax, TransUnion and Experian failed to maintain reasonable procedures to ensure compliance with the FCRA, including limiting the furnishing of consumer reports to permissible purposes under 15 USC 1681b.

Opt-Out Rights ( 12 CFR 1016.7 ) : I am exercising my right to opt out of any further sharing or reporting of my information by Equifax, Experian, TransUnion, and the furnisher 's of such information. Any prior consent, whether verbal, written, implied, or otherwise, is hereby revoked.

Furnisher of Information ( Inquiries ) : 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 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 reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.
Product: Credit card or prepaid card

Hello, On Friday morning XX/XX/XXXX, I was informed by my credit card company American Express that my credit limit was decreased over {$6000.00}, from {$10000.00} originally to {$3600.00}. 
In my conversation with AMEX customer service, I was told that this was due to a recent change on my credit score and report. I was told that the only way to increase my credit limit would be to pay the credit card company {$810.00}, with a possible lift to the credit limit happening within 30 calendar days ( they would not promise an immediate lift to the credit limit ). I had already met my minimum payment balance by the due date ( minimum payment due was currently XXXX - in other words, I had made all payments that I owed, in the time frame I owed them ). 
To make this a very tenuous and scary circumstance, I had made a reservation with American Express Travel ( another travel product with american express that I frequent quite often ) for a rental car, and I was supposed to pay this reservation on XXXX XXXX for the amount of most likely {$1500.00} for a rental car. The reservation is in a foreign country. American Express was well aware of my reservation and my long standing history with them ( I have been a customer for 15 years with no record of missed payments and not much history of revolving usage ). I would not have been able to pay this rental car with my credit card and continue on my vacation, and this felt like extortion. 
American Express refused to acknowledge the fact that I have been a cardholder with them for over 15 years. They refused to acknowledge my circumstance of why my credit score had decreased slightly ( I recently bought a new car, took out an auto loan, for my husband, who is an XXXX  and is taking some time to build his own credit score and credit file ). I know how to responsibly manage my finances, and so I believe this was a huge abuse of my credit report and possibly even extortion ( asking me to pay them {$800.00} when technically I did not owe them anything at this time, my minimum payment had been met ). 
I feel like I have no recourse with AMEX as a company and I want to report this bad behavior to the government. This abuse of my report is happening during a global pandemic. I understand that credit companies may be wary of consumers taking on bigger debts these days due to the economy, but this is not the way to treat a customer, and I have had other smaller circumstances with other credit card companies that make me suspect that these companies want to abuse and extort consumers due to the global economic situation. This was a decision made without my knowledge or any warning, with no reasoning, and will greatly affect my life and my ability to make sound financial decisions for my family. 
Thanks for your consideration.
Product: Credit reporting or other personal consumer reports

I happened to check my credit report this morning but was shocked at why inaccurate accounts are showing up on my credit report. Please check the documents I've included because this has been causing me great stress more and more everyday.
Product: Credit reporting

In XXXX 2015 I reported to the credit bureaus ( Equifax and XXXX ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX XXXX XXXX XXXX, XXXX that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had XXXX inquiries ( XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.
Product: Checking or savings account

I bank with Capital One. My payroll should have been deposited on Wednesday XX/XX/year>. As of XXXX EST on Friday, XX/XX/XXXX, I still do not have access to my funds. 
Capital one just gives the same canned response that they are working on the issues. At the same time, they are denying transactions that are coming through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.
Product: Credit reporting or other personal consumer reports

JPMCB auto account num XXXX Report XXXX credit bureau XXXX l owe them money .which l have spoken to this fraud dept. .whom agreed information on the file doesn t match .instead of Jpmcb auto chase to stop. reporting to the XXXX whom agrees l don't own .my information doesn't match. That the reason l haven't heard any information to Pay. Cause they aware l l don't owe this company XXXX XXXX XXXX spoke to fraud department whom stated social security num name doesn't match. And. The company never provided bill. To XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian is reporting a account from XXXX collection agency XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.
Product: Credit card or prepaid card

C F P B : I filed this complaint since XX/XX/2022 several times Each time Capital One closes complaint without a DOCUMENT LETTER explaining why (! ) Please help to resolve this very old dispute that beeks being swept under rug by Capital prevous times I submitted same complaint, each time Capital closes it as duplicate and never resolves! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, EQUIFAX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} EQUIFAX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXXXXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The item reported by XXXX and TransUnion should have been deleted and XXXX sent XXXX and TransUnion a letter that the account needs to be deleted. XXXX and TransUnion has not deleted the account off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$580.00} XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$180.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a paym ent    XXXX   XXXX   2017, whi ch  was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.
Product: Debt collection

Jefferson capital system llc XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX. 
United States XXXX XXXX, XXXX. XXXX XXXX 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims.

1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX et al XXXX XXXX ) Courts > XXXX  XXXX XXXX XXXX Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Suit : Other Statutes - Consumer Credit Cause : 15:1681 Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retail XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. et al ( XXXX ) Courts > XXXX District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Regions Bank at XXXX XXXX XXXX, South Carolina, XXXX told me to travel to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX GA XXXX and close out my account that they had a hold on because they refused to recognize my home address back in XXXX. This was the same address used and verified to open the account. The bank was gon na refuse to give me my money unless I traveled from XXXX to XXXX to pick up the money in the account.
Product: Mortgage

On XX/XX/XXXX2018 my husband and I purchased a home ( XXXX XXXX XXXX XXXX MI XXXX ) at closing the title company, XXXX XXXX XXXX, held {$3200.00} for the upcoming summer taxes that were due on the property after closing. XXXX XXXX received the bill and paid {$2100.00} and refunded us the balance that they held for the taxes due. Then our mortgage company, XXXX XXXX, also paid the city tax bill for {$2100.00} on XX/XX/XXXX2018. The City of XXXX received the 2nd check from XXXX XXXX for the taxes and refunded the money to a 3rd Party Service, XXXX XXXX ( check # XXXX on XXXX XXXX,2018 ). XXXX sent the refund check to Seterus Mortgage onXX/XX/XXXX2018.  Seterus Mortgage credited the refund tax payment that my mortgage company XXXX XXXX  paid on my belhalf to loan number XXXX  and sent a refund check, this account belongs to the previous owner XXXX XXXX, who did not own the property when any of the checks were submitted on our behalf for the City taxes due. All money was paid from XXXX  & XXXX XXXX and was not refunded to us as should have been.