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 {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}. 
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 XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 











2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Product: Debt collection

I have the transcript from XXXX stating I had fulfilled my debt obligation to them. I then attached the transcript to a letter from my attorney, which was mailed to the company with no response or acknowledgement.
Product: Debt collection

We had a 2nd mortgage discharge thru chapter XXXX bankruptcy in XX/XX/XXXX. 
we were not aware that after our property gain equity they could come back traying to collect the debt. in XX/XX/XXXX we received a letter that look suspicious with a company name that we didnt recognized as the lien holder we open the mail and they send us a past due notice for the full amount of {$280000.00}. 
After checking with the BK lawyer to see what we had to do we contacted Trinity Finacial services, llc. for the firt time trying to see how we can work this issue. they say they obtained the loan and wiil work with us refinancing the loan thru them they send us an application and we returned it to them XX/XX/XXXX. after that it was obvious that they were not trying to work with us it was either accept our terms or we will proceed to accelerate forclosure. we ask them if we could work a payoff amount and they said for XXXX they will settle. thru all this proces we keep asking them for copy of the note or documentation in how they obtained our loan and they never provide anything to us. they continue with the forclosure processed and we couldnt hire a lawyer due to lack of funds we pretty much continue making payments to our first mortgage and the foreclosure sale date from Trinity financial services was sent to as to be executed on XX/XX/XXXX. we do n't know how Trinity financial services, LLc. put their name on the trust deed of sale. we received a copy from the county of XXXX as a courtesy. Right after that we received an unlawful detainer from Trinity Financial Services, LLc. Lawyer, we went to court and the judge ask for as to request 30 days from Trinity Financial so we could leave the property and we did we obey the law and get out of the property by XX/XX/XXXX. 
we continue checking with the first mortgage to find out if Trinity Financial send them the payoff and they never received any information from them. second week of XX/XX/XXXX I received information from an ex neighboard letting us know Trinity Financial Services, LLC. accepted an offer on the property and I decided to contact our XXXX to find out if they requested a payoff and they informed me that no the only request was the one I submitted, i told them I did n't request any payoff to please email the information to me and they did to our surprise Trinity Financial Services, LLC. was requesting the payoff with the authorization to release information that we give them 2 years ago for the only purpose of refinancing our loan. Is this shady or what after all we being going thru we tought for our peace of mind we have to submit this complaint to this office the sense of failure by loosing our house is bad enough and if all possible we would like to know if this is legal. And maybe if other people read the complaints that will help them.
Product: Debt collection

I have tried to obtain a true copy original showing that a debt originally owed to XXXX XXXX XXXX was legitimately sold. That has not taken place even though I did request full documentation at least six times. However, in spite of that non-result, I am open to a settlement offer that can be mailed or emailed to me, and I will follow up with a call to negotiate the matter and settle it once and for all. My contact number will is attached to this complaint. I have never been mailed a reasonable settlement offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to communicate with Experian about this issue for six months. They have failed to comply with the law after multiple attempts. There is an account they are stating is mine and has been " verified '' and continues to fail to show me the verifiable proof that is required by law.

FCRA Section 611 Procedure in the case of disputed accuracy ( 15 USC 1681i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any investigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer agency shall : ( I ) Promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agencies , I am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with XXXX XXXX, account number XXXXXXXXXX. According to my records, this account is currently being reported as XXXX XXXX late for the months of XXXX and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting.

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report. 

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as 120 days late may mislead potential creditors about my creditworthiness.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to " XXXX XXXX '' and " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/2022. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.
Product: Checking or savings account

Wells Fargo must supply me with a copy of a document I signed for overdraft fees. I did not voluntarily opt into overdraft fees system by default. I need evidence to support that I opted into Wells Fargo overdraft fees. I do not agree with excessive overdraft fees this bank continues to charge from me. 

I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. They also choose which transactions are paid by them at their one discretion without my input or consent as a consumer, which in return harms my finances. I need proof that this bank is not just engaging in preditory banking and fees imposed on its vulnerable consumers. I need a document that shows I signed a consent to approve of their overdraft fees. I believe their overdraft fees are excess, predatory and discriminatory to minority consumers. I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$5.00} so that they can make profits. This bank needs oversight in its abuse of low income low network customers. Fees are just too excessive. They have power to pay for certain transactions only when they know they will make profit, with no regard to negative effects on its low net worth consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, Equifax, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a wire transfer in the amount of {$3600.00} to recipient XXXX XXXX. Several days lays later the recipient informed she had not received the funds. After futher investigation with my bank ( XXXX ) I confirmed that the funds were fraudulent deposited into a Truist account not belonging to XXXX XXXX. 
I reached out to Truist to initiate a fraud claim and they stated there was nothing they could do although I had the fraudulent recipient account number ( Account number XXXX ).
Product: Money transfer, virtual currency, or money service

COMPLAINT TO BANK OF AMERICA : I am writing to let you know that because XXXX XXXX XXXX XXXX Department refused to take my case as a fraud transaction I lost {$63000.00} on my XX/XX/2017 transaction. 
I just show evidence below which is the letter from XXXX XXXX Bank to response my request. The letter is attached for your review. 
In the letter, XXXX XXXX Bank said :. Upon receipt of your letter, XXXX made several attempts to speak with XXXX XXXX XXXX XXXX Department in an effort to obtain additional information about the transaction ; however, we have not been successful as of the date of this letter. 


You can get the detail info about this fraud transaction from my other two complaints.
Product: Credit reporting or other personal consumer reports

The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were restructuring our finances during the Federal Government shutdown of XX/XX/XXXX - XX/XX/XXXX. We have detailed exactly how we were impacted in two detailed letters ( copies attached ). Most credit card issuers understood our issue and made changes to their data submission. Some didn't even submit a report of delinquent payment to Credit Reporting Agencies. We were told by representatives of this band and our own bank that the shutdown would not affect our credit record. Despite repeated attempts, we receive that standard form response. Their response is a couple of " catch all '' blanket responses to make it look as though they have conducted and investigation.
Product: Credit reporting or other personal consumer reports

I have sent Experian several letters and proof of the inaccurate information reported on my credit profile and they refuse to change it. This has dropped XXXX points off of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint about TransUnion and the misleading information on its website. I recently attempted to sign into my TransUnion account and found that the website was blank, and I was asked to provide my credit card information in order to sign up for an account. I was misled into believing that this was necessary to access my credit information. 

I am very concerned about this misleading information on TransUnion 's website, as it has put my personal and financial information at risk. I am writing to ask that the CFPB take immediate action to address this issue and ensure that TransUnion corrects the misleading information on its website. 

Additionally, I would like to report that I was charged an unauthorized payment attempt on my credit card. I was able to stop the payment due to my card being locked, but I am concerned that others may not be so lucky. This is unacceptable and I believe that TransUnion should be held accountable for its actions. 

I request that the CFPB take swift action to resolve this issue and hold TransUnion accountable for any harm that has been caused to consumers. I would also appreciate a response to this complaint, including any steps that have been taken to resolve the issue. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously as this have been negatively affecting me in all aspects of my life. I am writing to dispute inaccuracies on my credit report that are affecting my financial well-being. There are errors in the information being reported that are not a true reflection of my credit history. These inaccuracies have lowered my credit score, making it difficult to secure loans and resulting in higher interest rates, which has created unnecessary financial strain. These are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX etc. 

3-4 calls every single week, they don't have a valid debt they're trying to claim, have been calling for months and months, and have requested to be removed multiple times after telling them they don't have a claim. Nothing stops them from calling.
Product: Debt collection

XXXX XXXX XXXX sold an old account to XXXX XXXX XXXX. I settled this debt in XXXX and they marked it as settled for a less amount and it was removed from my report. The same debt from XXXX XXXX XXXX has repeatedly shown back up on my credit report with different companies. The current company is called ENHANCED RECOVERY COMPANY. I have disputed this collections account so many times and they just sell it to a new company.
Product: Credit card or prepaid card

I've been trying to contact someone at XXXX XXXX at XXXX XXXX XXXX XXXX for the last 2 days to fix an issue with my account. 

At the XXXX checkout page, when I try to purchase a new phone and use my XXXX XXXX account, the system keeps redirecting me to a new credit application page. 

I've been on the phone with XXXX at XXXX and they basically said that the issue is with XXXX XXXX, operated by TD Bank. In a recent email exchange, one of the Customer Support from XXXX E-Commerce, I received the following instructions : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2020, XXXX XXXX Hi XXXX, Please make sure that you have linked you XXXX account to your TD Account by going to this linked : XXXX XXXX XXXX XXXX XXXX Also, contact TD by calling XXXX. Check with TD if your address has been updated and then wait after 3 business for the change to reflect on your XXXX account. 
Warm regards, XXXX XXXX XXXX Customer Care XXXX I've tried to link my XXXX account to my TD account ( XXXX XXXX XXXX, and got the following message : We could not find your TD application We identified your XXXX Account but did not find a TD Bank application associated with your XXXX Account. Please sign-in with the email address used to create your XXXX XXXX account. If you lost your account, we can help you find it. If the XXXX Account email address and password you used when applying with TD Bank, N.A., for XXXX XXXX  is different than your current account, please contact XXXX Customer Care. 

SIGN IN WITH DIFFERENT ACCOUNT I've also called XXXX XXXX ( TD Bank ) at the XXXX informed and waited for at least XXXX until the connection dropped. 

From TD Bank XXXX XXXX XXXX XXXX my account is in good stand. Here 's a quick snapshot of my account as of XX/XX/2020 : Acc ending in XXXX Available Credit : {$2900.00} Total Current Balance : {$220.00} Thank you.
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I will be contacting the IRS and will be sueing for statutory damages.