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}.

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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I was obligated to travel from my country XXXX to XXXX on XX/XX/18 because my Visa card was expired on XX/XX/18 I tried to request a new one by email but it was impossible the bank told me that I had to be in person. Since XX/XX/2018 I couldn't go online a see my account bank, because I needed a code to get access in a local number phone. So it was impossible to get information on my account. My identity was stolen The next day XX/XX/18 I went to to TD BANK where I had an checking account and I was informed that I have XXXX XXXX, from {$16000.00} balance on XX/XX/18 to XX/XX/18. 
TD BANK never contacted me to inform any irregularity, I came to USA for two weeks with my daughter and my grandgirl and this situation have been very disgusting because I do not have any money for spent these days. 
I made a police report and the complaint to the TD BANK but unfortunately I haven't received any answering positive, not have been investigator 's case assigned and my money charged back either. 
Please see the documents attached requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - acct. type - open date XX/XX/2016, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.
Product: Credit reporting or other personal consumer reports

This is a follow-up from complaint # XXXX I updated and submitted information to XXXX and Experian XXXX days ago to reinvestigate the inaccuracy of the account on my report. When checking my report tonight, they sent an email saying that the accounts were updated. I am aware that under FCRA Section 611, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. During this time, I request that you contact the furnisher of the disputed information to verify the accuracy of the data. In three days, they came back, saying they had updated. See the attachment showing what they just sent.
Product: Student loan

I refinanced my Federal Student Loan in XX/XX/2022. The original loan serviced was Edfinancial. In XXXX of 2022 I submitted a refund request for {$28000.00} and the person I spoke to said it would be processed and sent to XXXX. A few months later I received a call from Edfinancial saying my refund couldnt be submitted because it was paid by a third party. The person I originally spoke to said there was no approval process and that ALL payments made during Covid-19 are eligible for a refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXXXXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXXXXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the start of 2019 my credit scores reported by Experian and XXXX were both in the range of 810 to 820. As of XX/XX/XXXX, my credit scores are being reported in the range of 670 to 690. As a result I have been denied a loan to cover required home improvement projects. 

The only changes that might have affected my scores are 1 ) my wife died on XX/XX/2019 ; 2 ) XXXX XXXX lowered my credit line from {$16000.00} to {$8000.00} with the explanation that I had not used enough of my credit line in recent months ; and 3 ) a  disputed payment totaling {$420.00} was reported as delinquent without notification to the credit reporting companies that I had disputed the charge, or why. 

Should the death of my wife, or an arbitrary action by XXXX of lowering my credit line ( they have also arbitrarily raised my credit line several times since I have had the account ) or a disputed, unpaid charge for a mere {$420.00} cause my rating to fall to the point I can not now secure a loan? This seems grossly unfair.
Product: Credit reporting

Had a judgement removed from my credit report, now a third party put it back on there, when the judgement has been removed. The other credit agencies do not have the judgement on it because it has been satisfied and removed.
Product: Mortgage

I took out a learn with XXXX XXXX in South Dakota in XXXX for {$10000.00}. XXXX XXXX  merged with great western bank & in XXXX this loan was paid off in a refinance with XXXX. Last year great western bank was merged with first interstate bank I am the process of looking into selling my house & Security mortgage is still listed as a & {$10000.00} lien holder. 

I have attempted to work with First Interstate- with XXXX & with my current lender XXXX mortgage. No one can help me they say its not their responsibility. the person at First Interstate said there is no record so they cant remove it I reached out to the FDIC and the suggested that I each out to you. 

I have a copy of the check that was sent & the corporate assignment of the mortgage. Could you please help me
Product: Debt collection

This complaint is in response to the attached letter provided by American Express in which American Express advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge American Express to provide such proof. Such proof does not exist. 

American Express must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to XXXX XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold American Express accountable for consumer fraud activities by deliberately passing a business debt for personal debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am disputing the legitimacy of unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a hard inquiry requires my explicit authorization or a permissible purpose. I did not authorize these inquiries.
Product: Debt collection

MIDLAND CREDIT FUNDING IS REPORTING THAT I OWE THEM A DEBT. I SENT THEM A NOTICES REQUESTING VALIDATION AND NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resting a re-investigation of the Portfolio Recovery Services Collection account in the amount of {$570.00} by XXXX XXXX  and XXXX This account does not belong to me and should be removed and deleted- Portfolio has failed to provide a copy of any signature of a contract.The debtor XXXX XXXX   XXXX  is different from XXXX XXXX Portfolio has listed. Portfolio has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} Portfolio Recovery Services has never mailed me a collection according to the Fair Debt Collections act It is my belief that Portfolio Recovery is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.
Product: Credit reporting or other personal consumer reports

I am requesting assistance to resolve an issue I am having with the Navy Federal Credit Union. Navy Federal Credit Union is violating my consumer rights by reporting 2 negative accounts to my consumer report that was a result of Identity theft.I discovered fraudulent accounts that I did not initiate or authorize. This indicates that my personal information has been compromised and used without my consent. I have submitted multiple disputes to get this resolved with no results. Attempts to get this resolved include multiple disputes to the Navy Federal, all major credit reporting agencies and Consumer Financial bureau. I had also filed a FTC identity theft report along with a police report. 

Account Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ITEM WITH EEACH CREDIT BUREA AND THEY HAVE ALL FAILED TO PROOVE ME WITH ORIGINAL WET INK SINGATURE CONTRACTS VERIFYING THAT THIS INFORMATION IS ACCURATE. THE DOCUMENTATION PROVIDED IS NOT ORGINAL, can be FORGED, and is not valid proof per FCRA LAW. FCRA 609A REQUIRES THESE AGENCIES TO PROVIDE ME WITH ORIGINAL WET INK SIGNATURE CONTRACTS, which have not been provided at all nor in a timely manner. IT IS THE DUTY OF THE CFPB TO ENFORCE THIS WITH XXXX, EQUIFAX, AND XXXX. I HAVE BEEN STALLED, sent multiple disputed regarding XXXX, XXXX XXXX, XXXX XXXX XXXX. THESE ITEMS DO NOT BELONG TO ME. UNDER SECTION 605B OF THE FCRA I REUQUESTING THIS INFORMATION BLOCKED AND PERMANENTLY DELETED. I have filed a claim against each agency reporting false information to my credit report. I will sure each agency who continues to do so. UNTIL THIS MATTER IS RENDERED I AM REQUESTING THAT ALL I FORMATION BEING REPORTED REGARDING THESES ACCOUNT ARE STOPPED, AND DEEMED UNKOWN UNTIL DELETED. I HAVE NEVER SEEN OR WITNESSED ANY CONTRACT.
Product: Credit card or prepaid card

I am requesting my American Express card be closed immediately as of XX/XX/XXXX American Express has used unfair business practices to charge me higher interest rates. My interest rate soared from 19 % to nearly 30 % XXXX 29.99 % ). 
The reason American Express used was for a returned payment from XXXX/XX/XX/XXXX. Although this return payment was unauthorized and the fact I had previously made my monthly payment, Note : my payment was NOT late. 
American Express doubles consumers penalty.First they charge a whopping {$XXXX} late fee than they nearly double the interest rate. Despite the fact prior to this I have always made timely payments and never been late. 

Again please close my account
Product: Money transfer, virtual currency, or money service

PNC bank dose not allow my account to connect with XXXX, so I can't send money to my friends.
Product: Credit reporting

Hello, I have submitted letters as well as online disputes with documentation to all three credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unrecognized inquiries on my credit 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
Product: Bank account or service

I have contacted Bank of America since I saw XXXX charges assessed to my account which i believe is not supposed to be charged. Unfortunately I have opened new business accounts and signed up for merchant services. Mystery personal has signed me up and thereon no further follow ups nor resolution to my issue was provided by the merchant rep. Device was broken and its almost the XXXX month and yet i do not have the device. At customer service they fail to professionally treat me, matter and fact, they laugh and make derogatory comments. Appropriate proof will be provided upon request.
Product: Mortgage

My Mortgage Was Sold to XXXX XXXX XXXX in XXXX and they took it upon themselves to set up an Escrow Account on this Loan to collect for Property Taxes. I have called several times to get this removed. I pay the Property Taxes directly and Now they are stating they need to order an Escrow analysis to be able to remove the Taxes. An Escrow account is NOT a requirement for this Mortgage. I am an Escrow officer and I know how the works. I am truly Disappointed with the company and how they are servicing my loan. I received the Tax Bill in the Mail and it is not showing that it is being escrowed. XXXX XXXX XXXX never Notified the Tax collector that they were planning to pay the Taxes. So I am not only upset, but wondering where my money is going?
Product: Debt collection

On XX/XX/XXXX, I sent a written communication request as well as a debt verification letter. This was well within the timeframe to send the letter, as I was given a 30 day notice around XX/XX/XXXX in letter form in which I could contact for a debt verification letter. 

I never received a response back from the collector and now, after a no th, suddenly, the calls have started back up again despite my request. Throughout XXXX, after sending the letter, I hadnt received any calls. Now, come XXXX, its the same process of an automated sounding male spewing the same lines over again from Capital Solutions in XXXX, OH. 

Rough timeline : XX/XX/XXXX phone call XX/XX/XXXX phone call XX/XX/XXXX letter received XX/XX/XXXX sent request out XX/XX/XXXX phone call XX/XX/XXXX phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Bank of America ( BoA ) stating they were working on " my application for the Allegient World MasterCard card '' and needed to verify information on my application. I had not applied for this card and immediately contacted BoA 's Credit Fraud Department to report the fraudulent activity and stop the application process. This company had run a hard inquiry against my credit report and I was told that it would be removed when BoA fraud investigation was complete. As of XXXX XX/XX/XXXX, I had not received any report, and the hard inquiry still reflected on my credit report, so I called to request an update. I was told the fraud was confirmed by BoA, but that I had to contact the credit bureau ( XXXX ) to dispute. I called XXXX Credit Bureau and was told they had nothing from BoA. As of today, XXXX XX/XX/XXXX, the hard inquiry on my credit report that was generated due to a fraudulent credit card application still exists.
Product: Debt collection

XXXX XXXX XXXX has been harassing me for 10 years over a debit my lawyer settled. We had confirmation on settlement and they waited until 9 years to re open and sue me. They went into my bank account recently and removed over $ XXXX in a lein leaving me strapped to pay my bills and i had to take on a second job to help keep me caught up!! I re hired the same lawyer and he has not been able to ( nor have I ) reach a representative from this so called attorney office to discuss and settle the matter!!! I sat in with my lawyer as we called the offices listed and were put on hold indefinitely! How can I fix the problem when we cant get anyone to pick up the phones?? In the meantime they have my money!!! Im thinking its a scam but we cant prove anything since we cant get a response. I have less than 30 days to get this resolved itherwise they will charge off the money to them!! HOW CAN THIS BE LEGAL!!!????
Product: Money transfer, virtual currency, or money service

I was owed money from cash app and never received it.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XX/XX/year> {$520.00} This credit account is the results of identity theft and fraud.
Product: Credit card

I am being contacted by XXXX XXXX XXXX for an account that is not mine. I have advised them the account is not mine as I am a victim of Identity Fraud. XXXX XXXX continnues to call me and harass me asking me for a payment.
Product: Checking or savings account

Received a fraudulent email from a bad actor pretending to be chase bank. It was from jpmorgan
Product: Credit card

in a letter dated XX/XX/XXXX synchony bank states that they must report accurate to the credit bureaus according to the fcra, However my question to them is where in the fcra does it state that account must stay on a credit report for 10 years. 

my point is the account is closed why does it matter to you if it stays on the report? 

it was paid and closed in XXXX of XXXX. 
this account is hurting my average age of accounts thats why I am requesting it to be removed.
Product: Mortgage

Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached Equifax was notified XX/XX/2022 of account ( s ) resulting from identity theft and have failed to block account 4 days after receipt.