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}, {$16000.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS L.L.C XXXX XXXX XXXX XXXX XXXX, GA, XXXX, United States To : The XXXX XXXX XXXX XXXX for NATIONAL CREDIT ADJUSTERS L.L.C From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for MonXXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 





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

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized inquiries/addresses that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These inquiries/addresses have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Violation 1 : Unknown Inquiry Purpose.

Violation 2 : No Consumer Consent. Violation 3 : Inaccurate Reporting Date.

FCRA Violation : Failure to provide clear and accurate information to the consumer. ( FCRA 623 ( a ) ( 1 ) ( A ) ). 
The status and terms of these unauthorized inquiries/addresses are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The unauthorized inquiries/addresses information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized inquiries/addresses remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2024, I signed up for the Citi American Airlines AAdvantage advertised through the American Airlines website so I could use the card to purchase a plane ticket and earn a {$400.00} travel statement credit on that purchase. The only reason I decided to sign up to try this card was because of the travel statement and miles. 

The terms of the offer clearly stated " If instantly authorized, credit card members will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible American Airlines purchases at time of checkout to receive the statement credit. '' I was instantly authorized but was provided no confirmation number or account number. There was an option to click to receive the temporary account information which I clicked on and received a confirmation code by text message. I entered this code and then was back on the main page. There was a little green check mark next to the temporary account information received but I never got an account number within the window, by email, by text message, or within any popup window. I tried selecting the green check mark and the boxes but no luck. There was absolutely no way to access the temporary account information. When I tried to go back to the previous page with the option to send the code by text message, I was logged out. I could not log back in using the account username and password that I just created. 

I called the Citi phone number for general customer service and eventually was able to reach a representative, XXXX. I told the representative what happened and the representative said that they do not have access to the accounts and if I did not get account information at the time I signed up, I would have to wait for the card in the mail. Obviously, this meant I would not get the {$400.00} travel statement on my current purchase and, since I was not planning on traveling again within the 6 months required in the terms, I would not be getting the {$400.00} statement period. 

I told the representative that I would like to cancel the card. The representative said that I would have to wait until the card came in the mail to cancel. I stated that this felt like a scam and asked to be transferred to someone to make a complaint. The representative stated that there wasn't a complaint department or anyone that I could be transferred to but took my name and phone number to try to find someone. I have yet to hear back from anyone to cancel the application or the card or address the false advertising. I have screen shots of the offer as well as the terms for the {$400.00} statement credit.
Product: Mortgage

The company refuses to cancel PMI on my mortgage after many requests. The current loan to value ratio is .69 %. The requirement for them to cancel PMI is .78 % and below. I spoke to someone at the company and was told that the company needed an apprasisal. I was specifically told that I can hire my own appraiser, which I did. After I sent the appraisal to Ocwen, they told me they would not accept it because I did n't use their authorized appraiser.
As I mentioned, in a previous call to Ocwen, I was told by an Ocwen representative that I could hire my own appraiser. My appraiser is certified with the State of NJ. The appraisal dated XXXX XXXX, 2017 is attached.
Appraised Value of House {$460000.00} Loan Amount {$320000.00} LTV .69 %
Product: Money transfer, virtual currency, or money service

I made a Int wire transfer of {$10.00} ( XXXX XXXX dollars ) on XX/XX/XXXX, it was approved by CHASE and debited on XX/XX/XXXX, and this is the date ( XX/XX/XXXX ) that the money hasn't arrived, I went to Chase and they just send me off with the words " we already transfer the money '' which is not true, due to the fact, that we contacted the CFPB counter part in the receiving country end and they tracked the money ( without receipt number because chase refuse all 3 times I went there to provide me one ) and told the part of interest in this specific case that the money never left the US and never left CHASE bank.In summary CHASE acted wrongfully, without transparency, made us lose time ( each appointment ), money and lots more. I'm very displeased on how the acted and how the blunt-fully lied to my face with money that isn't theirs to toyed with. 
and lastly how can an institution such as CHASE can make a customer call them for an appointment, make them do the trip to one of their branches, have me sit down, know ( CHASE ) that theyre toying with the money and have their employees lie to my face and tell me that they don't know where the money is and not even a physical receipt i recieved from their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces-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 or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$50.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3200.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax Data Breach below in attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX  have 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 or other personal consumer reports

Hard inquiry was made. I did not authorize this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account and multiple inquiries on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
Product: Credit card

American Express gift card can not be used with any merchant I can find, I have tried multiple online and physical locations and the cards do not work. Merchants all say this is due to changes by American Express and all other vendors still work. I have tried using over XXXX times since its issuance on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Product: Credit card or prepaid card

I wanted to transfer my amex membership rewards to XXXX XXXX  which I transferred before. However, it gives the error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I don't have any recent rewards earned or used. I have no idea why it puts all my membership rewards frozen. I called customer service and they said that they have no idea and no clue why it was put under review, but it is frozen and nothing they can help. Trying to reach further to get some info why it is under review for all my rewards, but nothing useful get from customer service. They said everything looks fine, but it is indeed under review, all you have to do is wait 6-8 weeks. This is so unacceptable for put all rewards frozen for 6-8 weeks with no recent activity and no reason!
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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 XXXXXXXX
Product: Credit card or prepaid card

Some one in XXXX opened an account in my name it was not me I live in XXXX
Product: Debt collection

on 3 separate occasions, Representative insists on confirming my address before telling me what company they are calling from and what the matter is regarding. The only response I get is its a business matter. only after they repeatedly recite my birthdate, and my social security number to me over the phone, I insist that I am unable to give out any more information and all attempts to contact me should be via mail with the adress they have stated on my file & or credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the XXXXday mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted Discover about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified Discover they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by FNB OMAHA. The FNBO OMAHA account XXXX should be immediately deleted from my credit report due to incorrect information. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? XXXX is reporting nothing, XXXX is reporting that I was late 15 times and XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I was also not mailed a 1099c for the write off of this account. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter my credit report showing the inaccurate information.