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 {$13000.00}, {$10000.00}, {$13000.00}, {$15000.00}, {$6200.00}, {$9000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

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


-- XXXX XXXX 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Product: Credit card or prepaid card

XX/XX/XXXX bill XXXX XXXX Comenity Bank Charge {$19.00} Do not receive paper statements. I opened a XXXX account several months prior to receiving this bill and at that time I cut my XXXX XXXX credit card in half and mailed it to Comenity Bank requesting my account be closed. Apparently, this never happened. When I received this bill, I sent an email to Comenity bank explaining that I did not authorize this purchase and in fact had closed my account by returning my credit card to them. A month later I received a letter from them saying that the charge was indeed mine as it was for a recurring rewards program that I needed to cancel or it would continue to be billed each year. Also, they claimed they had not received anything from me requesting my account be closed. I immediately called the bank and requested that they close my account. Next, I contacted XXXX XXXX and they claimed it was for my XXXX membership. They agreed to give me a partial refund. So, I called Comenity back and told them that XXXX XXXX issued a credit. In the meantime, my bill had soared from {$19.00} to {$87.00} and the bank said that XXXX XXXX had issued a credit in-house and not to the bank. I offered to pay the {$19.00} which was the original amount, but they said they can not accept anything but the full amount because they can not negotiate a payment on a closed account. I refused to pay anything more than the original amount since I 'd been trying to get this resolved from the beginning and asked to speak with a supervisor. That request was denied. Since that time, the bank has phoned me 5 times a day between XXXX XXXX and XXXX XXXX. Someone finally told me they could accept {$25.00} to settle this dispute. I made that payment on XXXX/17. The woman lied to me because they are still sending me bills that I can not even log into because I no longer have an account! At the time of this dispute, my credit score of over XXXX existed for over 30 years. Now it is in the mid XXXX XXXX Can you help me settle this dispute and restore my good credit score?
Product: Mortgage

During the Pandemic, my mortgage company allowed Pandemic forbearances. I received this and assumed I was still in the forbearance period. Friday or Saturday Last week, ( XX/XX/XXXX or XX/XX/XXXX ), we received a notice of foreclosure via certified mail. I call the mortgage company yesterday ( XX/XX/XXXX ) and told them that I thought we were still in the pandemic forbearance period. They said that the forbearance ended in XXXX. I asked why didn't someone cal me or email me to tell me that I needed to do something prior to the foreclosure starting. They said they didn't have authorization to call me or email me. This is not true, as I have emailed and called and been called in the past. I also stated that I thought they were not allowed to foreclose during the pandemic and that there was a relief program in place for pandemic sufferers. 
The person that I spoke to was rude, continually interrupted me. Repeated the same thing over and over. Would not deviate from the scrip he was clearly reading from. When I asked to speak to a supervisor, he told me that there were none available. This could not be true. If there are people working, there are usually supervisors available.
Product: Mortgage

Seterus has mis applied payments which has distorted my credit rating and overstated my loan balance. This is obvious to a XXXX man. I have paid all real estate taxes and insurance, yet Seterus shows a credit balance in a fake escrow account of {$1100.00} while sending me letters that I owe {$2000.00} for past real estate taxes. I have provided them with cancelled checks. 

How long can these people continue to distort my good credit rating. This is so obvious, they are brain dead and should not be allowed to be a credit collector
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I have two fradulent inquiries on my Equifax credit report. I was told to report the issue to the XXXX who reported the XXXX inquiries on XXXX XXXX and XX/XX/XXXX. I followed the directives and the inquiries were removed from XXXX and XXXX within a month of reporting in XXXX. Equifax has failed to remove the two fradulent accounts and puts the blame on XXXX for not sending the electronic documentation stating the two accounts are fradulent. XXXX informed me that the first request was sent in XXXX and they could not send another until 90 days were up. I called XXXX and requested that they send the documentation to Equifax again and send me a letter stating the inquiries were fradulent. I recieved the letter via snail mail and called Equifax today, XX/XX/XXXX. I spoke with XXXX # XXXX and her manager XXXX # XXXX. XXXX told me they had not recieved anything from XXXX and I should call them again and ask them to send the document again. I told her I 've called them several times since XXXX and they say the documentation has been sent. She told me my only recourse is to obtain a police report for the fradulent inquiries. This is very frustrating seeing that my information was comprimised due to the Equifax breech and the fradulent inquiries are likely the result of the breech and the other two bureau 's have removed the inquiries months ago. Any assistance would be greatly appreciated. 

My confirmation numbers for these disputes with Equifax are # XXXX and # XXXX
Product: Debt collection

XXXX transferred over my in house card with them to a Commenity Credit Card without my knowledge. Almost 3 years later there was fraud on this card with purchases in XXXX. I contacted Commenity and they assured me they would take care of it. I have had countless calls trying to collect the debt. I have asked them to transfer me to their fraud department and when I get someone they tell me they will put me on hold and then hang up on me
Product: Debt collection

Im submitting a complaint and seeking justice against XXXXXXXX XXXX XXXX  located in XXXX, XXXX. This company overcharged me for several months for a water bill between the amount of {$380.00} and {$560.00} every month while renting a XXXX bedroom apartment. Their unscrupulous behavior constitutes extreme violations of clearly established laws. They committed these hardships on me and my family without any remorse. Im suffering because they have now reported inaccurate information to the credit bureaus. Im suffering emotionally and mentally. Im seeking justice and help with this matter. This wicked pattern of unlawfulness should not be tolerated in state of Alabama and XXXX XXXX of XXXX and the city of XXXX.The defendants in the matter should be held accountable for their wrongdoings in a court of law. All of what I stated took place last year 2022 between the months from XXXX to XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i had {$940.00} in my XXXX XXXX  ACCOUNT I received 2 deposits in my XXXX account from a unfamiliar company ( Provisonal Credit Dispute ) is what it shows on my bank statement for the Amount of {$120.00} & {$250.00} I didnt recognize or authorize I contact XXXX while on hold at XXXX the amount of {$1300.00} is shown being transferred from my XXXX XXXX  Account to MY CASH APP ACCOUNT which is linked with my XXXX account My cash app account had {$45.00} in the account at the time at XXXX the entire balance in my cash app {$1300.00} was cashed out to a MasterCard debit card ending in XXXX not my card or account I have no idea who card that is & I have tried to resolve this matter with both banks cash app & XXXX no one is helping me Ive been told 10 business days from XX/XX/XXXX an still no response I can provide any info needed to help me get my funds back neither bank is responding to me an now the XXXX account is in a negative - {$240.00} Ive asked XXXX to close the account an still no response
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and is raising concerns about customers safety.
Product: Credit card

I paid my Citicards statement on line on the due date ( XXXX XXXX ), however the company did not post the payment until XXXX XXXX and charged a {$27.00} late fee. I have never had a late payment on this card. I sent a message to Citicards requesting a credit on XXXX XXXX. The automated response promised a response within 24 hours, but no response. I called the customer service rep ( XXXX XXXX XXXX ) on XXXX XXXX, was told that the automated system did not allow a credit, and that I could not speak with a supervisor. She said that she would ask a manager to call me back within 2-3 business days, but no call back. Very frustrating.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/year>, I sent a letter to Experian. They had over 60 days to investigate and said I would receive a response by XX/XX/year>. They did not delete or send any information yet.
Product: Credit reporting or other personal consumer reports

There were four hard inquiries placed on my credit report by four lenders, all happening around XXXX XXXX, on Thursday, XX/XX/year> : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX I have contacted all three credit bureaus and demanded that these hard inquiries be removed immediately as fraudulent, and have had them place a freeze on my credit report, as well as a feaud alert.
Product: Debt collection

The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the 7in7 rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for Citi Bank and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. 

During the first week of XX/XX/2024, I received a form letter in the mail from the law office of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXX is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )
Product: Checking or savings account

I wrote a check for {$1200.00} for my XXXX rent. My landlord usually cashes all of the checks between the XXXX and XXXX of the month. On XX/XX/XXXX I had a balance of {$2800.00} which was more than enough to cover my rent. The bank 's online app showed that same available balance {$2800.00}. 

On XX/XX/XXXX, I logged into the account and showed a very low available balance of {$800.00}, so I contacted USAA through their chat feature. I was informed that there was a {$2000.00} hold on a deposit for my account and that I would need to move money into the account to not have a check bounce ( Which I did for an available balance of {$4300.00} ). 

Later on XX/XX/XXXX I went online and saw a {$29.00} return check fee. I called their customer service department and explained that I had just learned about the {$2000.00} hold being deducted from my available balance and they agreed that this seems to be a glitch in the app that the available balance did not show correctly on XX/XX/XXXX. They explained that the return check fee does not show up till the next business day after the check is returned, so I receved no notification on XX/XX/XXXX. They returned the {$29.00} fee to me. 

My landlord, because of the bounced check, requires me to pay a fee of {$50.00}. I explained that to USAA and they said to call back once the second check was cashed so I could request a refund for the {$50.00}. 

I called the bank on XX/XX/XXXX, to request the {$50.00} refund, and USAA is now telling me that they will not and there is no appeal process or anything that I can do to get what I was originally told would be no problem. 

I then asked who they were regulated by so I could submit a complaint and the customer service rep just told me 'the government ''. When pressed further she refused to give me any information on where to go to submit a complaint about the bank. I found this complaint form by doing my own online research.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed derogatory remarks on my credit report that are inaccurate, invalid, and are in violation of my consumer rights. I have worked to address this issue via disputes with the creditor directly, XXXX, XXXX, Equifax, and the likes. Unfortunately, this creditor continues to report inaccurate information and the consumer reporting agencies are allowing this inaccurate information to be shared with others. For example, the reports are showing a CLOSED account with a CURRENT PAID status of OK. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions After, several attempts to resolve this issue to no avail I am filing a formal complaint. These organizations should be held accountable for not being in accordance with the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at ( i ) XXXX XXXX ET, and at ( ii ) XXXX XXXX ET, two fraudulent unauthorized EFT debits for {$2000.00} ( Transfer Amount ) + {$5.00} = Total {$2000.00} were made by the operatives of Western Union Financial Services , Inc., XXXX XXXX, XXXX, CO XXXX. Western Union Tracking Numbers ( MTCN ) for the two EFT debits  are XXXX and XXXX, as can be seen in the attached documents. The first EFT debit was successful, meaning {$2000.00} debit EFT was posted to my XXXX  XXXX XXXX Checking Account at XXXX XXXX   and money paid out XXXX XXXX  in XXXX, XXXX. The second EFT debit was not posted to my checking account by about XXXX XXXX, and lateron cancelled after I spoke with Ms. XXXX and Ms. XXXX, Operator ID XXXX of Western Union between XXXX XXXX and XXXX XXXX. Western Union 's Dispute/Fraud Reference # for both fraudulent MTCNs is XXXX for the two unauthorized EFT debits ( MTCNs ). I contacted XXXX County Police and have communicated this incident to a Police Officer. I contacted XXXX XXXX XXXX four times, 2 times over phone, and 2 visits to local branch. During the fourth contact by telephone call between XXXX XXXX  and XXXX XXXX, XXXX  XXXX XXXX representatives were able to stop the release/payment of {$2000.00} from my Checking Account to Western Union for XXXX XXXX. Today, XX/XX/2019, XXXX XXXX, I have received Western Union 's Scam/Threat e-mail that the {$2000.00} paid out by them within 2 minutes of EFT debit transfer on XX/XX/2019 will be referred to a Debt Collection Agency, since they were not paid {$2000.00} for the fraudulent debit EFT. I have reported these to you ( CFPB ) in the morning on  XX/XX/2019, between XXXX XXXX  and XXXX XXXX. I am providing you details with document attachments via this website and written compliant by me. Please investigate the above fraudulent activities by the operatives of Western Union, or in collusion with them by what appear to be XXXX Speaking persons ( since, when I called this afternoon,XX/XX/XXXX and pressed the MTCN XXXX after calling XXXX, I heard XXXX-like gibberish talk, and the phone connection got disconnected, twice ). This is the whole story so far. Please investigate.