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

To Whom It May Concern : RE : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX This letter is a formal complaint that you are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete. XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX : XXXX The account balance is incorrect, please delete. XXXX, XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate XXXX XXXX : XXXX The account balance is incorrect, please delete. XXXX XXXX : XXXX The high balance reported is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate XXXX XXXX XXXX : XXXX Account was never verified I have no recollection of ever opening this account please investigate According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft and Fraudulent Account Complaint Against Citi Bank Best Buy Visa 1. What Happened?

I am a victim of identity theft and discovered fraudulent activity on my Citi Bank Best Buy Visa account. The unauthorized activity has resulted in a violation of my federally protected consumer privacy rights unde
r the Fair Credit Reporting Act ( FCRA ).

2. Description of the Incident Date Fraud Began : XX/XX/year> Total Fraudulent Amount : {$3400.00} Account Involved : Citi Bank Best Buy Visa ( ending in XXXX ) I did not open this account, authorize the charges, or provide consent for the transactions made. Despite my efforts to dispute the fraudulent activity, the company and relevant credit reporting agencies have failed to remove the false information from my credit profile.

3. Actions Taken by Me Filed an Identity Theft Report : I reported the fraud to the Federal Trade Commission ( FTC ) and submitted an Identity Theft Report to formally document the incident. 
Disputed the Fraudulent Account : I contacted Citi Bank and the credit reporting agencies to dispute the fraudulent account and request its removal from my credit report. 
Requested Investigation : I requested that Citi Bank conduct a thorough investigation and cease reporting the fraudulent information, but the issue remains unresolved.

4. Actions Taken by the Company Failure to Remove Fraudulent Information : Despite my dispute and submission of the FTC Identity Theft Report, Citi Bank continues to report the fraudulent account and debt to the credit bureaus.

Possible Violation of Federal Consumer Protection Laws : Citi Banks failure to properly investigate and remove the inaccurate information has violated multiple federal statutes, including : 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) Failure to respect my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Reporting consumer information without my consent. 15 U.S.C. 1692c ( a ) Improper communication from
debt collectors.

15 U.S.C. 1681c ( a ) ( 5 ) Reporting adverse, outdated, or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing inaccurate information to consumer reporting agencies.
Product: Checking or savings account

Citi bank has been closing my account with no reason no explanation. The ban informed me that the money left in the account will be mailed to my house it has been over 5 months I have not received my money. 
They keep closing my account one by one and keeping whatever money that is leftover. every time I called I get that the same reply it was being looked on and nothing. Employees keep hanging up the phone. 
I believed Citibank and its employees are discriminating against me, being told I am angry which I have every right to be. 
Citibank is the one committing the fraudulent activity at this point since they keep closing my account and keeping my money.
Product: Checking or savings account

Axos bank has a freeze on my account and asked me to send a picture of me and my ID in order to prove my identity. I did so and they still refuse to release the funds. I transferred the money into the account from my XXXX account but have not been able to access them. Now they will not respond to me on the matter. The money has been in the account since XX/XX/2023. I have been trying since the XXXX to get the funds out but as I said Im told no and axos has also refused to send the funds back to the account that they came from. This is only {$450.00} so its not like its some red flag raising amount. Thank you for your time helping me work this out.
Product: Money transfer, virtual currency, or money service

3rd Complaint regarding this matter! 
On XX/XX/18, I had my bank send a wire transfer to The XXXX XXXX, XXXX, TX, at the request of a friend of mine. She gave me the account number of a person she knew at the business who was to handle the transfer for her since she would be out of the country when the wire was transferred. The person whose account the transfer went to, is holding the funds in the XXXX XXXX account, and will not release it. He has held it for over 3 months. It is {$53000.00}. I am the owner of these funds, not the person at The XXXX XXXX. Chase Bank has investigated twice at your request, but say they can't release the money to me unless my bank issues a recall. My bank has issued numerous complaints, but Chase never releases my funds. This is a huge amount of money, and it belongs to me. Chase needs to release the funds when my bank issues a recall, yet they never do. The person at the XXXX XXXX is holding funds that he knows does not belong to him. Chase needs to release my funds me to resolve this matter. They need to have SOMEONE who can release my funds to do so. This is going into a new year now, and I am still out my funds. I no longer want the friend who told me where to wire the money to receive the funds. Please if Chase can not release the money to me being fully aware of the situation, how do you suggest I move my complaint further? I am not satisfied with their lack of interest in solving my problem with them. All they have told me to do is have my bank issue a recall. My bank is hesitant to continue issuing recalls when nothing is done by Chase to solve this problem. The person holding the funds is being fraudulent because he knows he is not the intended recipient. Chase case # XXXX. Beneficiary account # XXXX XXXX The XXXX  XXXXl XXXX XXXX XXXX XXXX, XXXX TX XXXX Should be refunded to : XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Mortgage

Our TD Bank mortgage payments were paused without our consent.

I initially called TD Bank in XX/XX/2020 to inquiry about their specific terms offered to borrowers of residential mortgage loans under the federal CARES Act. 

I did not accept the terms that TD Bank offered and decided not to participate in the program. 

My wife and I continued to make all loan payments. 

On XX/XX/XXXX, we were notified for the first time, via letter from TD Bank that stated there was a Forebearance Plan on the loan and that it was being renewed. 

The letter indicated that the Forebearance Plan was placed on our loan based on the bank 's evaluation of our " incomplete loss mitigation application ''. Per this admission no application was completed, yet our loan was placed into forebearance against our wishes. 

Placing our account in an unwanted forbearance has harmed our credit reports by making it seem as though we aren't making required payments, when we have been. This may also prevent us from refinancing the loan to benefit from low interest rates.
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 {$3400.00}, {$11000.00}. 
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 ) -OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-CLOSED ACCOUNT- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX XXXX  date opened XX/XX/XXXX 15 USC 1662 ( b ) is a law that regulates how down payments and installments are advertised for consumer credit. It's part of the Truth in Lending Act ( TILA ), a federal law that requires lenders to disclose the terms and costs of consumer credit.

A creditor can't consider a payment late if they were delayed in mailing the statement due to an excusable cause, like a natural disaster, war, or strike
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was trying to transfer {$20000.00} dollars to my XXXX XXXX  XXXX  account ; XXXX XXXX XXXX  XXXX XXXX. It turns out that inorder to put U.S. Dollars into my account there, it is a differant set of account numbers, then what the account is titled. The transfer was rejected and supposedly sitting in New York. U.S. Bank had put a tracer on the transaction on XXXX XXXX and has yet to return my money. I have been working with US Bank VP XXXX XXXX for the original transaction and follow up. He assured me the money is in NY and nothing to worry about. 6 weeks later and nothing has been returned.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. Transunion and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit card

Someone opened a credit card with discover bank under my name and it wasnt me. They left me with a balance of XXXX or more and Im not able to pay that back. I am a XXXX XXXX  and no XXXX XXXX  at the moment can you all look into this and help me
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for XXXX. Ive asked repeatedly for the payment date to be moved XXXX week out due to my pay roll moving. They absolutely refused. Ive called, emailed, chatted and they stopped responding to me. I also thought that the amount paid back was XXXX the first payment then Id be given an amount. I found out yesterday that this is not the case. XXXX is a fee for the XXXX then the XXXX is the amount paid to the loan, next payment is another ridiculous fee then whatever I plan to pay to this loan. If this was explained properly I would not have agreed to it at all. Ive sent them this in chat and email and got no response XXXX XXXX joined the chat XXXX XXXX : My name is XXXX XXXX. I have asked for my date to be moved due to my pay date changing from my employer. XXXX is scheduled to come out tomorrow. Furthermore the terms were XXXX explained clearly to me. I did not realize the fees were so high. I thought I was just repaying a loan. I want all withdrawals from my account to cease and desist. I will be contacting the FTC. A payment plan can be established but funds can not be taken out due to change in my pay roll
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 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  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 can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I followed all the proper procedures stated by the above said company to FREEZE my credit report. And to stop authorizing my credit report to third party vendor without my consent. The company stated will not respond or follow through.
Product: Debt collection

XX/XX/2023 or around this date I received a notice from Recovery One. Notice date is XX/XX/2023. 

XXXX forwarded a debt under my name to recovery One ( A debt Collection company ) and they claimed that check I issued was Non-sufficient. 

I did not have any transactions with XXXX, the check maybe under my name and my residential address because XXXX XXXX is sending promotional checks for me to use for anything, under my credit card. Our mailboxes were broken and all our mails were stolen several times in XX/XX/2023 and XX/XX/2023. 

XXXX did not send me a letter, billing department said they were calling me but they had the wrong number. A letter would be much better if they can not reach me by phone SO I CAN DISPUTE earlier. The Invoice # XXXX, billing dept said it is not under my name but the check payment was mine. Possible because my mails were stolen. I did not get the name of the account from XXXX. 

I do not want to pay them {$520.00} and now Recovery One is asking for Police Report. 

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

I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Released tax lien from XX/XX/XXXX filed XX/XX/XXXX and released XX/XX/XXXX and XXXX file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XX/XX/XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time XXXX, XXXX, and TransUnion states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
Product: Debt collection

This account was tone removed from my credit report once I paid in full - what the company has done after I disputed the account is place a XXXX balance but its still reflecting on my credit report as a negative mark - they are a scam and I have proof I paid too have National Credit Adjusters remove this off all credit reports
Product: Credit card or prepaid card

I have two credit cards issued by Capital One Bank ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and Capital One Quicksilver Card XXXX. I've had the Capital One card for nearly 5 years, and the XXXX 's card for nearly 2 years. I have never missed a payment on either of these cards. In XXXX, 2023 I received letters that these accounts were now closed, with the only reasoning cited being " Capital One has discovered adverse past or present legal action involving an individua or entity associated with the account ''. I called Capital One Customer Service in an effort to get additional information and was told that they could or would not give any, and that I should check with my County Court to get further information. I did just that, and could find nothing that would prompt Capital One 's action. Moreover, I have other credit cards through XXXX, XXXX, XXXXXXXX XXXX, and others ; and none of them have taken this course of action. In Mid XXXX I received a Notice of Data Breach, from one of my creditors, indicating that in XX/XX/2023 suspicious activity was discovered in their systems and that information had been compromised. Law enforcement, including the FBI, was brought in and the investigation is still in progress. Because of this I was offered complimentary credit monitoring and identity protection services. I have little doubt that this issue is associated with Capital One 's actions. Unfortunately, they won't give me the information necessary for me to research the issue.
Product: Credit card or prepaid card

I ordered a bedroom set with XXXX XXXX through my Synchrony bank Credit Card store card. 
The delivery men delivered 4 of the 5 pieces into the room upstairs. On the 5th piece of furniture, I advised him to please becareful with the walls, I noticed he hit the walls with other pieces and the blinds causing damage. He right after said he needs to call customer service to have them have me sign a form. I advised him sign a form for what? He said to release liability, I advised him 4 of the 5 pieces are already delivered in the room, shouldn't this have been done in the beginning. He said yes, but it wasn't and now they are requesting it. He said I need to sign the form to have all pieces delivered, if not he will have to take all other pieces out of the room and i will be charged a 15 % restocking fee. I advised him I didn't agree to this nor sign for anything. He said I could take this up with XXXX XXXX and went upstairs and removed the 4 pieces already delivered. I have been disputing this with XXXX XXXX and Synchrony, but no response just the balance due to Synchrony. They're not wanting to assist nor provide any proof that this is due, but the balance keeps appearing on my credit card statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.
Product: Credit reporting or other personal consumer reports

Delete these inquiries, please. I have no knowledge of this, and the company did this without my authorization.