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 {$32000.00}. 
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/XXXX2020 and the subsequent response received on XX/XX/XXXXXXXX  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 ACCOUNT -- XXXX. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Consumer Loan

Santander!!!!!! My mother has been dealing with them for years and has XXXX cars through them right now XXXX is a XXXX ford focus and the other is a XXXX ford focus the XXXX I have personally been paying for almost four years now and she had this car five years before me and we are still paying for it so in all we both put together has paid for this car about 3 times when the car was originally only XXXX dollars as for the XXXX my mom has had this car for four years and again still paying for it the car was originally XXXX dollars now 4 years later the they saying she owes XXXX dollars!!!!!!! and no one can give a straight forward answer as to why just recently we spoke to someone on the phone and if I must say so myself ( I 'm usually not a complainer ) the WORST costumer service ever no one can give you a straight forward answer and of course every time you call your talking to someone new who all have different answers and I just do n't think a deferment here or there or late fees can first of all have you owing the same balance for four years and now owing XXXX dollars more and the car is no where near worth that much now and when you ask them to explain it seems like every one 's mind seriously goes completely blank not to mention they are some of the rudest people ever interest is added to every payment but when the car was first purchased they said that the reason the balance has n't started going down on the first couple statements was because we started off paying interest on the car so nothing has started going towards principle yet and now here we are XXXX four years later and we 're still paying interest something just does not add up with them this company seriously needs to be shut down so they can stop ripping people off also we XXXX have been to several different car dealerships and they have said the exact same thing about Santander that they are a BIG rip off and the will never allow Santander to finance any of there cars so in my opinion that says a lot
Product: Debt collection

No notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws.Violation concerning not stated on letter sent Right to Dispute. Also not made aware or given the opportunity of right to remedy " charge off '' which is a violation of consumer protection laws
Product: Credit card or prepaid card

The matter is twofold. Goldman Sachs has 1 ) been sending me unwanted and unnecessary emails for six months. They have done this even after having 2 ) cancelled my credit-card ( Apple Card ) account, which cancellation was unwanted by me.

These emails are now tantamount to spam ( https : //www.ftc.gov/tips-advice/business-center/guidance/can-spam-act-compliance-guide-business ) : Goldman has no legitimate business purpose in sending them, as they are statement notices for an account that has been closed for over a year and has had a XXXX  balance since XX/XX/XXXX. The most recent of these emails arrived on XXXX XX/XX/XXXX. How does this qualify as transactional or relationship content? 

I have contacted Goldman many times to request that this stop. I have made these requests in conversation with Goldman service agents and via postal letter. Service agents have assured me that the matter will be dealt with, but it appears that no action has been taken. 

But why did Goldman cancel my account in the first place? The official closure notification stated that it was due to my failure to comply with the terms of the Card Member Agreement or Rewards Agreement. I went over the Card Member Agreement with a fine-toothed comb and could not spot my infraction. 

Enquiring further, I discovered that Goldman apparently believed that I represented potential first-party fraud ( a Goldman service agent revealed this to me during a phone conversation, by incautiously reading aloud the notes on my account ). This is obviously inaccurate. And let the following be noted : I missed no payments ; the balance on my account never went above 30 per cent of the credit line ; the balance was fully paid within months of the account closure and amidst a global pandemic. 

I believe that Goldman committed an error in closing my account. I must have been among the first users of Goldmans credit-card service, as my account was opened shortly after they first launched Apple Card in XX/XX/XXXX. Therefore I believe that this situation has arisen due to Goldmans relative inexperience in the consumer credit market. They are compounding their initial error by continuing to send me spam-like messages and ignoring my requests that these cease.
Product: Debt collection

The creditor changed the dates of the account to make them more recent. I have had the same cell phone account with att since XXXX but only have 1 copy of a bill from XXXX. XXXX is claiming that I had an account with them from XXXX which is a lie. I had an account with them 1 time in XXXX, which was a shared account with XXXX XXXX. Please search and find that these documents have been changed to collect money. I even sent XXXX photos from XXXX to show accurate depictions of the cellphones I had with XXXX to corralate with the year. The phone I have with XXXX was a XXXX and XXXX XXXX which XXXX did not specify in the document because they know they changed the documents.
Product: Mortgage

As detailed in my previous CFPB complaint regarding XXXX XXXX, XXXX failed to pay my property taxes from my escrow account. My loan has now been transferred to Mr. Cooper, my property taxes remain unpaid, and I have been unable to resolve this issue with Mr. Cooper. The property taxes were due on XX/XX/2023, and I have been informed that my home will be referred for a tax sale if this issue is not resolved by XX/XX/2023. 

After spending many hours over a period of months trying to resolve this issue with XXXX and being assured that XXXX would make the payment, XXXX informed me on XX/XX/2023, that because it had transferred my loan to Mr. Cooper it would not be paying my property taxes as promised. XXXX indicated that it had reached out to Mr. Cooper regarding this issue and instructed me to do the same. I called Mr. Cooper that day and was told that I was not in there system. I emailed Mr. Cooper about this pressing issue that same day, and have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.
Product: Credit card or prepaid card

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAINE WEINER ( Original Creditor : XXXX  XXXX  ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Bank account or service

my wife has n't lived with me since XX/XX/2016 only one week XX/XX/XXXX .We are foster parents and monthly receive a check from family and job services.family and job services know this and XX/XX/XXXX started looking for a house for her found one soon after.My check never came in the mail so I phoned them and she signed for the check with them knowing that they got her a home and was n't living anything in this home that I purshed for the kids was on my credit card or check.so anyway they told my wife I will never get anything from me and the check was cashed without my signature at us bank.family and job told her to cash it and they helped her. how could a bank do this the check clearly stated our names and it said and between our names not or and I do n't deal with this bank no account at all
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious 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. 

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

Trans Union has included negative information reported by XXXX XXXX XXXX {$850.00} ; on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Union 's compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. Again, I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.
Product: Checking or savings account

I applied on XX/XX/XXXX, application id XXXX for a checking bonus of XXXX. I met the conditions of XXXX direct deposit but they won't pay out because they're saying the bonus I signed up for had to be opened online ( which I applied for but don't have promo code saved ) or opened in grocery store. Of course there is no such condition in any of their previous or current bonus offers. I'd like proof that this offer I signed up for in XX/XX/XXXX is different. This bank has a history of not paying out bonus. It seems like fraudulent marketing to me. I'd like my XXXX bonus please.
Product: Money transfer, virtual currency, or money service

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

My family and I keep getting calls from XXXX. 1st recovery, they are collecting on a supposed debt from 2011. I have asked them not to contact myself or my family and they keep calling my family members anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


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 XX/XX/XXXX XXXX. Public record reported XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts linked to my profile. These are not affiliated with me, and I never authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on XX/XX/XXXX after I stopped working in XXXX and couldn't make any more payments. However, XXXX XXXX XXXX is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than XXXX years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.
Product: Consumer Loan

On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX XXXX. ( XXXX  ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within 3 business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all hard inquires, potentially negative accounts & late payments as well
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for a home loan, the lender was unable to pull a credit report via Equifax. Equifax is showing a fraud alert/block, which is not allowing my lender to pull a report. I have called Equifax several times and have even faxed in my driver 's license and social security card in order to verify Equifax is reporting all information accurately. They have told me they are, but my lender is STILL unable to pull my information. 

XXXX contacted their lender member services and verified via XXXX ( Case # XXXX ) that Equifax is reporting both my maiden name ( XXXX ) and my social incorrectly. 

I attempted to call back Equifax to have the matter resolved and they confirmed that the social and the maiden name are reporting. 

However they still have not resolved the issue. This is causing a delay in moving forward with my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

DHI MORTGAGE CORP hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. XXXX continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX Im living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I have spoke to XXXX, XXXX  and TransUnion and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.
Product: Consumer Loan

Auto loan through Santander Consumer USA. Loan # XXXX vehicle VIN # XXXX Subaru vehicle. We arranged for the vehicle to be voluntary repossessed by the lender XX/XX/XXXX. After repossession we received a XXXX XX/XX/XXXX in the amount of {$5100.00} added to our XX/XX/XXXX income reason as " cancellation of debt ''. This amount was added to our XX/XX/XXXX income and we have paid additional tax to the IRS for this. 
Recently we received a form XXXX XX/XX/XXXX for an additional amount of {$4400.00} being added to our XX/XX/XXXX income reason " cancellation of debt '' FOR THE SAME LOAN AND THE SAME VIN #!!!!! We have already paid additional income tax on this loan. We should not be charged again for the SAME LOAN AND SAME VEHICLE!!!!
Product: Checking or savings account

ON XXXX my friends vehicle was broken in to and my purse was stolen. Due to COVID I was unable to contact my bank to notify until XXXX - I did this first thing in the morning along with all credit / XXXX / everything. I figured I was good, I didn't see any strange transactions on my bank. on XXXX at XXXX I got a text alert that my account balance had dropped to {$0.00}. I checked my bank app and saw a withdrawal for {$490.00}, along with a suspicious deposit of {$1900.00}. I called the bank immediately to advise this is fraud and why / how could this happen when my account was alerted as " Compromised Identity and fraud '' on XXXX i wasn't able to get through to anyone I sat on hold x2 for 2.5 hours only to be hung up on. I wasn't able to see the slips on XXXX as they were still in a Pending status. at XXXX on XXXX i was able to open and look at them. I called chase again and got Fraud about XXXX MST. My account was " locked '' or placed on hold. The man i talked to said he could see the signatures on the slips and check from XXXX did NOT match my previous slips and this was indeed fraud. I was transferred to Claims and I filed for my money to be returned. As of today XX/XX/15 I still do not have my money back. I told the bank that I had transferred all remaining funds to my savings account to protect the money from the people she stole this check from. My bank returned the check to the XXXX ( Fraud check deposit ) My account was then Negative {$2000.00}. I was still pending my money to be returned, when i talked to claims I gave them all three police numbers and was told that they wouldn't investigate of give me my money back until I sent them copies of the police report. After this I filed a complaint with the executive office XXXX. Yesterday I called after not hearing back on the status of my account, what is going on, why hasnt the video footage be given to the police ... I was told I was going to get a call back. I received a letter that I was also being charged for the fraud check?? even though I reported it. I had {$100.00} in my savings account ( Prior to this mess ) and told the executive that they would need to transfer all but the {$100.00} and when they finally put back my {$490.00} the account will balance out but they need to put the money remaining in to my new account that the XXXX branch did NOT assist me in opening. I looked today ( XX/XX/15 ) and my savings account is GONE, all money was transferred to that overdrawn account. I learned that my Stimulus is going to be deposited to the account that is on hold, but I can not get a call back, if I am going to receive that or what exactly is going on. 

I just checked the letter on my chase app and apparently they are saying I authorized this transaction on XXXX WHICH I DID NOT!! I can PROVE I was working and NEVER in XXXX!!!!! 
This bank ASSISTED in commiting Fraud and I am still being Victimized!!!