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 {$6800.00}, {$500.00}, {$15000.00}. 
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.

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account.

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clairty services has furnished inquires on my report that I never authorized. Ive never sent written authorization to clarity services to furnish this on my report which is an invasion of my privacy and illegal to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, XXXX, Experian.
Product: Debt collection

Received a call stating i owed an outstanding balance to a company I had never heard of before. ( owned. Lease. ). I thought it was a scammer trying to get my information. I looked the company up. It was a legitimate debt collection agency. RFG. I called them up and they said I owed money for some tires I purchased using owned.lease. Told them I didn't owe anyone anything for tires because I am not the one who bought them. That evidently, I was a victim of ID fraud. They told me I had to file a report. So I am filing this report because someone is using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed today that the American Express Company changed the address on the corporate card of my former employer of whom I left in XXXX of XXXX. They did this without my permission. I asked them only to send me copies of back bills so that I could make fraud charges for expenses made after my retirement. They had no right to do this. I phoned them again on XX/XX/XXXX and said I did not " request this change. '' After speaking with two agents, they refused to do anything
Product: Debt collection

I am filing this complaint concerning an alleged debt reported by National Credit Adjusters on my credit report. I have no knowledge of this debt, and despite multiple attempts to obtain validation, I have not been provided with the legally required documentation to substantiate its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), debt collectors are required to provide proper validation of debts upon request. This validation must include the original creditor 's details, the amount owed, and evidence that the debt is tied to me. National Credit Adjusters has failed to meet these legal obligations, continuing collection attempts and reporting the debt despite my disputes.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure the accuracy of the information they report. National Credit Adjusters failure to validate the debt raises serious concerns about the accuracy of the information they are providing to the credit bureaus. Reporting unverified accounts is a direct violation of the FCRA and causes undue harm to my creditworthiness. 

Despite my attempts to address this issue directly with both National Credit Adjusters and the credit bureaus, the alleged debt remains on my credit reports, negatively impacting my financial standing. 

Requested Resolution : I request that the CFPB investigate National Credit Adjusters reporting and collection practices to ensure compliance with the FDCPA and FCRA. 
I request the immediate removal of the alleged debt from all credit reports if validation can not be provided, as required by law. 
I request that the CFPB hold both National Credit Adjusters and the credit bureaus accountable for their failure to validate and accurately report the alleged debt. 
I seek assurances that National Credit Adjusters will cease any further collection activities until the debt is properly validated in compliance with federal law. 
Thank you for your time and assistance in ensuring that my rights under federal consumer protection laws are upheld. I look forward to a prompt resolution of this matter.
Product: Student loan

Hello, I believe I have received a fraudulent email form the student loans dept of education. Via, Email. The indicates to check inbox. I did view student loan website and attempted to submit a complaint via the website w/o any success.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX 2013 XXXX Volunteer repo Lose my job and I told them come and get it the the lady told me it will not be on my credit and I see that was I lie and keep calling me tell me it 's going to damage my credit and I see as if today they sold it to other lender
Product: Credit reporting or other personal consumer reports

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with IC Systems and even filed complaint with XXXX  and still no resolution. Let me clarify, this does not belong to me IC Systems # XXXX {$530.00} Collections. I have even attempted to dispute with CA 's because the collection was never validated and I never received a notice 30 days prior to inserting on my credit. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the security breach with XXXX  credit bureau. As a result, I had the credit monitoring service XXXX XXXX   XXXX under XXXX for a certain period of time. When the time expired, I was given an option by XXXX   to sign-up for XXXX XXXX under Experian. At the time, I signed-up for XXXX  XXXX, there were a number of technical issues that I experienced when activating the account on their website. It took me several hours to sign-up for XXXX XXXX because of the technical issues that I had with its website. 
About a month later, I attempted to log into XXXX XXXX to review my account but was unable to do so. After several attempts to log into XXXX XXXX unsuccessfully, I contacted Experian. I spent about an hour trying reach a customer service representative to speak with because I continued to get automated responses. The customer representative for Experian that I spoke with worked with me for about 30 minutes to log into the XXXX XXXX site. When she was unable to assist me with getting into the site, and told me that it would be escalated to their Technical department for further help. The XXXX XXXX customer service representative never indicated, at any point, that the account had not been activated completely from the beginning. Several weeks later when I had not received a telephone from the Technical Support representative at Experian, I contacted them again on XX/XX/2019. It was at this point, I learned that the account registration had not been competed for some reason and as a result, it was not activated. I learned that even though I had technical issues with the XXXX   XXXX website that the credit monitoring service could not be provided. The supervisor, XXXX, also indicated there was nothing that could be done to allow me access to the credit monitoring service, XXXX XXXX, because of XXXX XXXX   policy. She suggested that I contact XXXX, and when I did, there was nothing that could be done even though it was a technical issue. This time I spoke with XXXX, of XXXX XXXX XXXX, at XXXX, who was unable to provide me with assistance to correct the issue because of the technical problem. 
It is unfair that I am unable to receive the credit monitoring service with Experian due to a technical issue with their website. Each company representative " blamed '' it on the other. And, it was not easy to reach a " live '' representative with the telephone numbers provided. I spent a considerable amount of time working with an automated system and speaking to individuals that I could not understand. I find it hard to understand that a company such as XXXX and Experian has no way to correct a technical issue that did not allow my account to be activated. 

If in the future, there is a class action lawsuit against both XXXX  and Experian for security data breaches, I would like to be included.
Product: Credit card or prepaid card

I opened a claim at the beginning of XX/XX/XXXX about a hotel committing fraud, posting an advertisement of free nights upon longer stays with misleading information that lead to my booking and stay at their facility. After inquiring with the owner of the hotel XXXX XXXX, who did not back up his false advertisement, I contacted my credit card company who advertised the protection of fraud and traveling purchases for their consumers of their XXXX XXXX XXXX XXXX After almost a year of battling with my card company, providing a substantial amount of documents, evidence and any information requested, they continue to not assist me. I have reported this to the XXXX  and have written a letter to corporate of Capital One where I was told to by an agent when I was told it was now past the time frame of when the charge was made. I havent heard back and I was even given false advertisement, from an agent whom I spoke with on XX/XX/XXXX who asked me to upload a second opinion letter to reopen my case, to which I complied. After getting another letter stating can not assist, I called again to speak to a manager at the dispute center where she specifically said, the previous agent gave me false advertisement and should have never reopened my case, asking me for those documents when regardless it was going to be rejected. Not to mention, the letter I received as to why Capital One could not assist me was because, it lacked all previously requested information, not because it was past the time frame therefore already giving me false information. I have wasted many hours and have tried to follow all the proper steps to have my fraudulent charges settled with very little help from my credit card company. I was told there is no one else with whom I can be transferred to for them to help me so I am reporting it here in hopes I can find assistance resolving my dispute case and for reimbursement of my charges with interest that has been charged to my account for the past year. I no longer have used their card and do not wish to use them in the future.
Product: Credit reporting or other personal consumer reports

I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least XXXX months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been XXXX days as reported in XX/XX/XXXX XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in two payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Hello, I am writing to inform you of interest and fee scams as it applies to payments to Chase Bank 's purchases on an account where they has also be a promotional balance transfer. 

I transferred {$5000.00} to my credit card for a flat fee of {$250.00} and then a 0 % APR for 12 months. Chase Bank has decided to apply my payments 1st to my balance transfer amount and then to my purchases so that in 2 months I have paid off almost half of my balance transfer and therefor owe interest on my purchases. They will not allow me to apply my payments to my purchases 1st and then my balance transfer which means I will always owe interest.

This is what big banks do to scam the average American! At least with my XXXX account they will apply my payments as I see fit. Please stop the big banks from scamming average Americans! 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already put a complaint on this matter but I received more information XXXX  who was in my credit report for XXXX found my back taxes for XXXX and gave that information to XXXX and XXXX did get paid for it also the amount owed on the taxes were incorrect and XXXX got refunded for the amount over paid The XXXX XXXX. Treasurer even told XXXX  my house wasn't in Foreclosure but they taxes anyway and broke the contract I had with the County the worst part XXXX  did my Credit Report on XX/XX/2021 and XXXX didn't pay until XXXX XXXX and didn't notify me they paid my renter called me and told me. Last but least XXXX sent me a bill XXXX dollars for full payment or I was given XXXX and XXXX 2021 off and in XX/XX/2021 which raised my mortgage payment from XXXX to XXXX a XXXX increase and now I'm struggling alot there was no 6 months 12 months offered I've notified the CEO and everyone on the board even XXXX XXXX XXXX  and they stand by the decision. This is like they didn't care about this before and I feel they singled me out. I hope this time things will be different
Product: Debt collection

In 2014 (? ) I opened a XXXX XXXX  XXXX for dental work. I was a recent widow and did not have dental insurance nor did I have a large bank account. Before I knew what was happening I was at the dentist every week and racking up a huge bill. When I realized I could not make a payment I called the company right away to let them know. I even wrote to them to work out a different payment plan until I found better employment. 
They would not work with me so they reported bad debt to the Credit Reporting agencies and sold my account to Credit Corp. At the same time they were still trying to collect from me. When I questioned that they told me since they sold it for less than what was owed they were permitted to do that. 
I worked out a payment plan that I could afford with Credit Corp and was making my monthly payments for over a year. In fact they would deduct it from my account. When I got laid off from my job due to the Coronavirus I called them to let them know that I would not be able to pay and that the checking account was also going to be closed. I would start making them again when I could. They told me I still needed to make them regardless. Now I am getting phone calls and mail regarding this. With all the payments I have made this is hardly impacted the dollar amount and it may have risen. 
Is there anyway to make these people cease harassing me until the pandemic is over? 
I have gone back to work but since it is commission based I am not earning a commission and don't see that happening the future. It's going to be a while before I can start paying again and I don't want them or XXXX XXXX to post negative remarks to my credit report again. 
Thank you for looking into this matter.
Product: Credit card or prepaid card

On XXXX I received an invoice from BestBuy credit card for purchases of {$4700.00}. Transaction date XXXX at XXXX XXXX, N.Y. consisting of one computer@XXXX. Also on XXXX @ XXXX, N.Y. there is a charge for one computer @ {$3000.00}. They are billed to a credit card with my name. I do not have a Bestbuy card On XXXX I received an invoice from XXXX credit card with a charge of {$970.00}. I 've never heard of this company. The charge was made on XXXX. {$640.00} and listed as XXXX direct # XXXX @ XXXX XXXX IA again on XXXX another charge was made at XXXX XXXX IA for {$320.00}. In both cases I contacted the account manager and the charges were removed. Both managers suggested contacting your services.
Product: Debt collection

I was a victim of identity theft collector lvnv funding contacted me and was informed that I was a victim of identity theft I was told item would be removed from credit report police reports and fix report was provided to company
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Product: Credit card

Apparently someone got a credit card in my name in XXXX of 2006, i was completely unaware of this until recently when a letter was sent to my parents house. why they waited 17 years to inform me is just insane and why the letter was sent to my parents i have no idea but they have been garnishing my wages for over a year. i knew about the garnishment but just assumed it was for a XXXX bill i owe so i didnt question it. They have already taken almost {$3000.00} from me. i want this garnishment stopped and my money back and i want to know what address the card was sent to and where the bills were sent to and what was purchased and where from also. i am struggling right now and my car needs to be fixed so i can keep my job and i have no extra money because they are taking it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Mortgage

Specialized Loan Servicing acquired the servicing of my mortgage in XXXX of this year. The mortgage was previously serviced by XXXX. At the time of the servicing transfer, the loan was escrowed for property taxes, but not for hazard insurance. This month, Specialized asked me for proof that I had insurance on the property. I immediately sent them a copy of the declaration page for my insurance policy. The insurance premium had already been paid over a month ago. However, Specialized proceeded to escrow my mortgage for insurance without my permission, they advanced my property tax escrow balance to the insurance company and sent me a letter demanding that I remit a {$1400.00} " escrow shortage '' to them.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to request the immediate removal of several unauthorized hard inquiries from my credit report. These inquiries were not authorized by me and are the result of identity theft and fraud. The following inquiries were made without my consent : 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  These inquiries do not reflect any legitimate activity on my part and have adversely impacted my credit score. I have taken appropriate steps to address the identity theft and have reported the fraudulent activity to the relevant authorities.

I kindly request that TransUnion take immediate action to remove these unauthorized inquiries from my credit report to ensure its accuracy and integrity. Your prompt attention to this matter is greatly appreciated.

Please feel free to contact me if you require any further information or documentation to process this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose