23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$0.00}, {$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 Landing 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 AUG 01, 2019 and the subsequent response received on AUG 27, 2019 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. 

1. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


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





3. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


4. DEPTEDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Credit card or prepaid card

XXXX XXXX XXXX  in XXXX, Texas charged my credit card for {$6700.00} via a Synovus Bank Debit Card. 
I had reported the card lost / stolen to the XXXX Police Department in XXXX of 2020. 
I'm disputing the transaction plus many more on the Credit Card. 

I had advised Synovus bank that the card was lost or stolen and they issued me a new one. This is not the only incident that I have had at this bank in the past. 

There was a fraudulent charge of {$850.00} in XXXX, Alabama XXXXON THE SAME DAY. that took my account balance down to {$0.00} the charges were consecutive in the amounts of XXXX, XXXX, XXXX, XXXX until my account was XXXX. I was in XXXX XXXX, Florida at the time and could not have made the charges. IT took Synovus bank 8 days to refund the money to my account! WHICH MADE IT EXTREMELY HARD TO LIVE, EAT AND MAKE PURCHASES.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3 years a collection account appeared on my credit report erroneously. I disputed with Equifax on several occasions by XXXX Mail, online and by phone. None of those disputes corrected the error on my report. Last month I once again sent an online dispute to Equifax and they responded by email whereas I was to log in answering many credit related questions which I answered correctly. The website then indicated it was processing the response for my viewing. An error message appeared which indicated their online system could not show the results and I must call their XXXX number to talk with a person. After talking with 2 persons during a period of more than 45 minutes. Most of that time being put on hold, I was once more told I must send a letter to them that they will not answer my question by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Product: Debt collection

I sent Certified mail to Kashable requesting that they provide me proof that this account was opened by me and to provide proof. They did not send correct info only a statement with the payment due dates which doesnt show proof of anything. They are in violation of the FCRA and FDCPA. They did not respond in the alotted amount of time to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Experian credit report, I noticed 2 accounts in collection with Credit Collection Services, XXXX, MA. The 2 accounts are duplicates, with the alleged original creditor listed as XXXX XXXX XXXX. One total says {$110.00}, and the other {$110.00}. XXXX XXXX would to insure a person a second time who had an outstanding balance with them, so this is clearly in error. 
Second, I dispute the validity of any debt with them. In XX/XX/XXXX, my son was diagnosed with an illness that would prevent him rom driving for some time, and I called XXXX XXXX and had him removed from the policy. They explained that he would not be able to return to the policy, and I accepted those terms. I was still billed for his coverage, despite termination. I attempted to resolve this with XXXX XXXX, and instead they set me to collections with Credit Collection Services, who then reported me twice on my credit report, or the same account. 
I believe my son is also being discriminated against as per the Americans With Disabilities Amended Act 2008. 
I have attempted to contact Credit Collection Services, and I only remain on hold or excess of an hour each time I attempt to call. I have been unable to reach anyone there. 

I have also made NUMEROUS attempts to contact XXXX and there is no way to reach a live representative.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XX/XX/XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charge-Off Account Under 15 U.S. Code 1601 Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report, which I believe is inaccurate and violates the provisions outlined in the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ). 

According to my credit report dated XX/XX/XXXX, there is a charge-off listed by XXXX XXXX with the account number XXXX. However, I contend that this information is incorrect and does not accurately reflect my credit history. 

Under the Truth in Lending Act, creditors are required to provide accurate and complete information about consumers ' accounts. I believe that the information regarding the charge-off is inaccurate for the following reasons : 1. Lack of Verification : I have not received any verification or validation of this debt from [ Creditor Name ], despite multiple requests. As per the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide verification of debts upon request. 

2. Inaccuracy of Reporting : The reported charge-off amount does not align with my records of the account. There might have been errors in the calculation or reporting of this debt. 

3. Statute of Limitations : If applicable, the statute of limitations on this debt may have expired, making it unenforceable and ineligible for reporting. 

In light of the above, I request that you conduct a thorough investigation into the accuracy of the charge-off entry. I ask that you provide me with the following : 1. Documentation validating the debt, including the original signed agreement. 

2. Proof of the last activity or payment made on the account. 

3. Any other pertinent information related to the charge-off. 

I also request that you temporarily remove the disputed charge-off from my credit report during the investigation process, as allowed under the FCRA. 

Please provide a written response within 30 days as required by law, detailing the results of your investigation and any actions taken. If you are unable to verify the accuracy of the charge-off, I request that it be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

THIS ACCOUNT IS SO OLD, ITS PREFERED CREDIT, XXXX XXXX. THIS COMPANY IS HONORABLE AT TRYING TO COLLECT, THEY HAVE SENT THIS ACCOUNT OUT TO SO MANY COMPANY 'S AND ITS BEEN PAID IN FULL SINCE XXXX/XXXX/2013 TO XXXX AND ASSOCIATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00}.
Product: Debt collection

Never received any information from this company. Per the Fair Debt Collection Practices Act, 15 USC Section1692C, requires that you honor my request to remove. Charged off account, therefore I'm no longer liable for payment.
Product: Vehicle loan or lease

According to California Law my the repossession that took place by Exeter Finance was illegal. Exeter Finance violated law by breaking into a my locked garage, and that makes it a wrongful repossession. I woke up on XX/XX/XXXX on my way to work and realized my vehicle was gone. Because the garage is locked and you must have a remote to enter I immediately called my office and asked was my car towed for any reason. I was told no. I immediately called Exeter Finance to see if they towed my car and I was informed it was reposed and I was given an address where I can retrieve my belongs. I updated my address on file with Exeter ( The same address that they took the car from ) I was told I would receive something in the mail on how to move forward. I never received any call or mail. I call Exeter in XX/XX/XXXX to see if there were any updates and I was told my car was not sold. I informed Exeter that I had not received any mail and verified that they had the correct address. In the end of XX/XX/XXXXI received a update on my credit report that the balance had decreased I assumed the car was then sold, the balance decreased from {$12000.00} to {$10000.00} -- - so apparently the car I was paying {$12000.00} was sold for somewhere around {$1500.00}. Again I never received any notices or phone calls. I was never given the opportunity to cure my debt after repossession, I was never given the opportunity to buy back the vehicle nor was I given any information about the sale of the vehicle. I again called to see if my information was correct and to see what the status was and I was told that according to the system my car was not sold. In XX/XX/XXXX I received another update to my credit report stating the account was closed and charged off as bad debt. I immediately wrote a letter to Exeter asking for documentation of any correspondence and asking why I was never contacted due to the fact I got no response with the phone calls I wanted to document it this time. I sent a certified letter in XX/XX/XXXX that was received and today is XX/XX/XXXX and I have yet to receive any letter or phone calls from Exeter.

According to the state of California Exeter has violated my breach of peace, I was not given the opportunity to reinstate the loan per California law. I was not given or sent any post repossession notices. Exeter has not communicated with me about this situation yet they keep re-aging the debt on my report the last updated on my credit was XX/XX/XXXX after the letter I sent them was received. 

This situation has cause me great stress and turmoil.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the errors on my credit report. 

I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On TRANSUNION, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX GA XXXX. In addition TRANSUNION is showing the incorrect Employer of XXXX XXXX XXXX and that needs to be DELETED as well.
Product: Student loan

In XXXX of 2017, as a result of having sent a voluntary Public Service Loan Forgiveness ( PSLF )  employment certification form, my federal student loans ( $ 100k+ ) were transferred to XXXX XXXX. It took several months to complete the transfer, resulting in several months of payments that I could not make and could not receive credit for qualifying payments under PSLF, all while accruing interest. Once XXXX XXXX had set up my account, they had set it up incorrectly, not giving me credit for 12 months of eligible payments toward PSLF. I spoke with a customer service agent who acknowledged the errors made in my account and assured me that it was a result of " rushing '' to get my account set up and that it would be corrected. Now, 6 months later, while I have had my monthly payments auto-debited every month, my qualifying payments toward eligibility for PSLF has not been corrected, and has not been accruing as these payments are made. For 60 days I have been trying to reach a customer service agency at XXXX XXXX to no avail, when I call there is an automatic message saying to call back another time, their online chat feature is unavailable, and I have received no response to email.
Product: Credit reporting or other personal consumer reports

I was honestly shocked to find out that my credit report was misusedsomeone applied for things in my name, and these companies pulled my report without my permission. I dont recognize any of these inquiries and definitely didnt approve them. Im completely stunned and upset that this has happened, especially since its a clear violation of my rights as a consumer. It feels really insulting, especially as someone who follows the law.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number : XXXX Date late payments : XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX  XXXX ) I appreciate your prompt attention to this matter. 

Sincerely,
Product: Mortgage

My loan is currently being serviced by XXXX XXXX. A lender/servicer can not collect on a debt that is transferred during the default of the loan. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. My violations as a homeowner have been severely violated at this point and XXXX XXXX has failed to reach out to me nor provide me with the opportunity to explore my options.
Product: Mortgage

We started our refinance process the middle of XXXX. We were told we would close by the middle of XXXX. Then we were told we would close by the end of XXXX. We were working with InterCAP lending. The agents assistant, XXXX, told us that our payoff was good through the first week of XXXX and we would be able to sign papers to close the end of XXXX. The end of XXXX rolled around and the papers had not gotten done yet. I had asked her more than once if we needed to make the loan payments and she told us not to worry about it because we would be signing the end of the month and the payoff statement date was good through the first week of XXXX. So after the first week of XXXX rolled around we made the house payment because we hadnt signed papers, but the damage was done. Because of this delay both of our credit reports are destroyed.So we now have a late car payment and a late house payment That we can not fix. We havent missed payments on anything in years until this. We shouldve never listen to the advice of this company. What they told us would take 3 to 4 weeks, ended up actually taking 8 to 9 and now we can not do it. They pulled our credit at least three times and that third time showed the late payment putting a stop to everything. So now they declined us the refinance.Those payments didnt have to be late but we were advised not to worry about them because we will be closing by the end of XXXX And it would just throw off the payoff statements anyway. They would not communicate and they gave bad advice that destroyed our credit. Because of the negligence of this company. My husbands and my credit are destroyed. And now we can not refinance anywhere because of the damage that has been done
Product: Debt collection

On XX/XX/XXXX, I had recieved a letter from XXXX XXXX XXXX, for an account with XXXX XXXX. We had XXXX camera equipment through XXXX. The letter was a settlement to pay off the account and close it, for the amount of XXXX. I took the deal, and was under the impression it was settled then closed. On XX/XX/XXXX, I recieved a letter from Transworld Systems Inc, stating I owe XXXX for an account with XXXX XXXX. I have the bank statement showing the amount was paid on XX/XX/XXXX.
Product: Mortgage

Fay mortgage services have not applied payments and said they never received but was sent cashiers checks. So they now say we are behind XXXX  months and applied over XXXX in overages which dont add up and when you call the amount keeps going up from owning XXXX XXXX weeks ago to now XXXX and when you ask them to explain were the lost payment are and why it keeps increasing all I get is pay or be foreclosed.. I dont understand how they arent helping and just keep making up prices and then they have sold the mortgage 3 times this year to themselves.. which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a few accounts on my credit reports for some time now with XXXX, XXXX and Equifax. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and XXXX and Equifax has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and XXXX are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and Equifax removed and corrected this issue but XXXX and XXXX has not. Again, how are they able to report inaccurate information? If Equifax found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquires reporting
Product: Credit card

As an airline employee I can travel as a staff employee. As employees of the airlines we do not receive a seat until 10 minutes prior to boarding. If I pay hundreds of dollars for a service that the credit card company dangles in front of folks I should be able to access their lounges while Im waiting for my flight. Im a paying customer to the cc company and should not be exempt for the services Im paying for. I use my cc for all my travel needs so they are getting plenty from me but they are discriminating against airline workers.