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 {$3300.00}, {$0.00}, {$4200.00}, {$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 ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/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.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had existing problems with TransUnion in regards to the federal laws and statutes of the Fair Credit reporting Acts, and the FACTA known as Fair Accurate Credit Transactions Acts. I have went through my credit report and i have pulled it and made notations with the laws of the federal statutes regarding consumer credit practices including the XXXX XXXX Codes that covers all transactions practices of which i noted. 

The Subscribers that report to the federal government and the credit bureau known as TransUnion has violated in violations against the consumer financial protection bureau including the XXXX. known as the XXXX XXXX XXXX which governs the laws of contracts, money, credit, in procedures, practices, of the original creditor, promissory notes, transactions including XXXX debt discharge under the IRS. 

The debts have been written off and discharged by XXXX by accounts payable known as charge off against my self and reported to the credit bureau. The IRS credited the business subscriber that has reporting services to Transunion. The XXXX Debt Discharge covered the business loss by charge off that reports to Transunion. The account was sold as a debt by which debt collector purchased the debt in order to make money which is known as third party not the original creditor which re-aged accounts by false communications which is illegal under the fair debt collections practices acts The original debt can not be assumed by third party by which they falsely assume the original creditor position by deceptions. Third party deceptions is against federal and state laws which is punishable under the cfpb..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature. 

Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. 

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX  that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. 


Thank you for your time and consideration.
Product: Debt collection

I went to XXXX XXXX XXXX  and I was in a car accident in which I had a claim number for the party at fault and the XXXX driver and the bill should've been paid by the insurance and party at fault.
Product: Debt collection

I was notified via XXXX that a collection had been placed on my account via Capitol Accounts XXXX of 2022 showing up to me on my credit report XX/XX/2022. I was never notified that I was being sent to collections as this is not a debt that I owe. They placed this charge on my credit report as a collection account and decreased my credit score significantly for a debt that I do not owe. I never received any communications at anytime prior to this via mail, phone, or any other way that I even owed this debt or that it was past due or that it was going into collections.
Product: Credit reporting or other personal consumer reports

My vehicle was deemed a total loss A year ago. The insurance paid off the vehicle and Gap covered the remaining balance. Capital One is reporting that Im late on payments but the vehicle was paid off. I was never late.
Product: Checking or savings account

I bank will wells fargo. I only had a {$1.00} in my checking account. The company allowed a payment of XXXX from XXXX to come in. I ask wells fargo before to not allow debits to come in if the money is not available and the wells fargo did it again. I have {$35.00} NSF fee, because of it. I called and spoke with XXXX XXXX who did not want to help with this situation.
Product: Payday loan, title loan, or personal loan

ON XX/XX/XXXX a loan of {$10000.00} was approved by Loanme. ON XX/XX/XXXX a payment of {$500.00} was made.Subseqently monthly payments of $ XXXX were made without interruptions for 49 months until XX/XX/XXXX when I could no longer pay. Along the way repeated attempts to find out the payoff amounts were stonewalled, until3 XX/XX/XXXX when I was told to my shock that I still owed them {$10000.00} at which point I knew I could no longer continue paying them. Besides the pandemic eliminated any means of me meeting the bottomless obligation. The company was relentless in making harassing texts and phone calls besides threatening impending legal action.I need much needed help .from your agency to help me get out of this stress.
Product: Debt collection

Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages
Product: Credit reporting or other personal consumer reports

My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was never late. Attached is the proof of deferment and approved. And also XXXX of XXXX, the collateral car got totalled due to being hit while its parked. Insurance paid them off. The paid off date shouldnt be XX/XX/XXXX. And the company and insurance communicated about this.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable andd unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss and i seed appropriate redress for this violations.
Product: Checking or savings account

I have a checking account with SunTrust which is now Truist. On XX/XX/21 a check was forged and cashed for {$9800.00} which was originally issued to XXXX life insurance for {$260.00} written on XX/XX/21. The name on the check was changed to XXXX XXXX Checking acct no XXXX, which was immediately suspended and now with the merger the account information is no longer visible to me. 
A dispute affidavit was submitted on XX/XX/21 and a fraud case was created with Suntrust no. XXXX A police report was filed with XXXXXXXX XXXX Sheriff, report no XXXX with deputy XXXX, XXXX. 
Calling the fraud department, I have corresponded with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX with no resolution. They always say the case is pending and can take up to 120 days. Allegedly XXXX XXXX is investigating however, he will not respond to my emails or return phone calls. It has been 211 days and we have not seen any return of our funds. I tried to get some resolution on XX/XX/XXXX and spoke to and emailed XXXX XXXX with the demand of action with no avail. I notified them that I was imposing a fee of XXXX per day starting XXXX. They promised a phone call but nobody has responded. They have refused to work with the local sheriff department. 
Please call or email me if you need more information. 
Needless to say Im very frustrated with this process
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CREDENCE RM XXXXXXXX Current Last Updated : XXXX XXXXXXXX XXXX Account Status Open Account Type Collection Account Payment Status Collection/Chargeoff Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I did not give permission for XXXX to report this debt to my credit report I did not agree to my personal information to be solicited It is illegal to charge or write off a debt as a loss for and seek payment from a tax write off and continue to report collection late payments or any negative debt This is not my debt
Product: Debt collection

There is no debt. They refused to send documentation, were argumentative on the phone, presented an option to settle, and said they sent an email that i was expecting but never received. after further research I discovered that this number is fraudulent.The number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Due to your violations, I will may take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX. 
Account # XXXX Closed Account. 

In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit card or prepaid card

Every month I am charged interest on a cash advance i already paid off. Capital one card ending XXXX. Ive called and ive been told my payments are not being applied to that interest. Why? Cant tell me .... when times are as hard as they are, capital on shouldn't be charging this interest, now a year total of XXXX dollars a month illegally charged plus the extra interest that has accumulated with that.
Product: Credit reporting or other personal consumer reports

Im disputing some addresses on my credit report because they are not accurate, and Ive never lived at or been connected to these places. The addresses Im referring to are : XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX and XXXX XXXX XXXX, XXXX, NJ XXXX. These addresses dont belong to me, and their presence on my credit report is misleading and could affect my credit profile. Im requesting that they be removed as soon as possible to ensure my personal information is accurate and up to date.
Product: Other financial service

On XXXX/XXXX/2016 and XXXX/XXXX/2016, I have used the services of Moneygram XXXX to send " XXXX '' money for something that I allegedly owed. I called XXXX 's customer support number to verify. XXXX told me it was a scam. I unplugged my computer, filed reports with the police, with the bank, Moneygram itself, several government agencies. I have talked with XXXX, they tell me to go the bank and the police to dispute the charges. I talked to the bank, they tell me to talk to Walmart and Moneygram XXXX as well as the local police to dispute the charges. I have tried everything to file the disputes with the bank, there isnt anything they can do about it. I am now trying to dispute Moneygram XXXX and Walmart for charges. I do have police report number and other report numbers from government websites if needed. I also still have receipts from the Moneygram purchases with reference numbers. Already filed reports with Moneygram XXXX about the charges. Local police have talked to Moneygram XXXX. Still havent heard anything back yet. Trying to see about getting help for it. May go to legal aid if I have to. I have lost in total XXXX
Product: Debt collection

I received a collection letter from MEDICREDIT on XX/XX/2022 the same day I answered them by certified letter see attachment, this account is NOT mine I was not in said hospital XXXX XXXX? I was at the XXXX XXXX  in XXXX in XX/XX/2022 and it was due to covid, this account is not mine, and I was also a victim of identity theft and those records are on my credit report, apart from the fact that this is violating my HIPAA rights. attached documents see attach successful stop this illegal collection and not be contacted by phone
Product: Checking or savings account

On XXXX XXXX XXXX, I received an email from Chime requesting documentation to verify my identity and other information as to a recent source of income from my previous employer 's unemployment insurance benefits in XXXX. I currently live in XXXX. I responded promptly by uploading the requested documents through a secure link. Despite submitting the requested items ( photos of myself with ID card, W-2 form, and unemployment benefits letter ), Chime 's Member Protection Services deemed them insufficient and restricted my account access.

While Chime assures me they're reviewing my case, their lack of clear communication and limited support options ( phone support directed to email ) are causing unnecessary delays.
Product: Student loan

It takes over a month for them to post payments that are made in excessive of what is due, so they can continue to charge more interest. I made the payments online, so I should n't have to pay a penalty for them taking so long. I also do n't agree with the interest charged. The interest should be less each month due to my overall loan status going down, but it is n't. When I was making payments through the mail, Navient would post the extra money I paid on the lower interest loans as well. This should automatically go towards the higher interest loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXX/XX/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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.