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 {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$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 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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

On XXXX I was sued by XXXX XXXX XXXX XXXX over a Synchrony Bank/Care Credit card that went into default in XXXX XXXX XXXX XXXX XXXX XXXX Division I in the Circuit Court of the 13th Judicial Circuit , in and for XXXX XXXX XXXX XXXX XXXX The amount claimed by XXXX was {$8100.00}. The case was removed into arbitration with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made multiple attempts to have the total amount of the debt verified by XXXX XXXX  I never received a satisfactory response, despite the lenghty litigation. The XXXX attorney requested several amounts from me at different points in time, and doesn't have the documentation to prove how much is owed. The XXXX attorney filed two documents in support of his case that allegedly were provided to him by Synchrony Bank. 1. A Credit Card Agreement that was filed as a response to my request for the original contract. 2. A sworn affidavit from an alleged Synchrony Bank employee, who swears under oath to data related to the account in dispute that contradicts my own records. No personal information was provided so I can contact the XXXX and verify her statements. 
I contacted Synchrony Bank on XX/XX/XXXX to ask them to verify the authenticity of the two documents, and to provide me with a statement confirming or denying their authenticity. I suspect the documents were forged by the XXXX lawyer to cover up for the lack of evidence. Synchrony Bank would not return my emails once I made my request. 
Synchrony Bank sold this account to XXXX without the required OALD. I need them to verify the documents I sent them and I will also need other OALD from them. 
I've been harrassed with litigation by XXXX over this account since XX/XX/XXXX, without the proper documentation. Synchrony Bank must provide me with sufficient information so I can defend myself. I requested OALD from Synchrony back in XXXX as well, and they never sent me any of the documents I requested from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account went into default in XX/XX/XXXX ( this is the date of the last payment reported by Ally Financial ) it has been in a closed status for over 7 years. 

As it has been over seven years since any activity with this account. I opened a dispute with XXXX  and XXXX to get the negative information removed. Ally denied to remove the information and then updated the account with a Charge off on XX/XX/XXXX ( The day they received my dispute via the credit bureaus ).
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account names are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States i have rights 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
Product: Credit card

I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Bank of America and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im asking that these accounts be removed at the earliest convenience because they are weighing in on me getting new lines of credit. These accounts are all closed in good standing. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPARTMENT OF ED , U S DEPARTMENT OF ED .
Product: Vehicle loan or lease

Han Capital Group XXXX XXXXXXXX saying I owe them.I originally bought the car from XXXX XXXXXXXX XXXX. from this company and making payments and than they sold it again to another XXXX XXXX XXXX without my knowledge I need investigated done because I know by law when they sell a debt it is consider paid in full so I would like the purchase agreements for all deals on my car XXXX XXXX XXXX  I would like a full proof agreement from the allege debt from all companies saying I owe them it too many company calling me. I need proof of I owe these companies. I need the wet ink original contract. provided. if they don't have the original contract.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$830.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX the account in question with XXXX XXXX XXXX was verified after a dispute. I contacted the XXXX, XXXX and XXXX bureaus to remove the dispute remark since the account was verified. I.C. Systems continues to report to the XXXX credit bureaus the account is in dispute. I spoke with XXXX managers on XX/XX/XXXX and they informed me they can not remove the dispute remark because I had disputed the account in the past. I told the manager that their reporting was inaccurate because I was no longer disputing the account and the account had been verified. XXXX XXXX the manager ) specifically asked me if I was no longer disputing the account which I responded " that is correct ''. She continued to refuse to update to the credit reporting bureaus that the account is not in dispute. I specifically requested an XXXX update to delete the dispute coding and verbiage from the account. The manager insisted they can not do that even though I had verbally verified the account. She stated the only way the dispute remark will be removed was to settle the account ( pay the debt ), and only then my account will be updated. My response to her was they are free to continue to attempt to collect the debt ; however, they are illegally reporting incorrect information on my credit reports that is affecting my ability to get a home loan due to the dispute remark. Additionally, telling me the only way to remove the dispute remark was by paying the account was XXXX.
Product: Consumer Loan

Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you
Product: Debt collection

I am not really sure who to complain about. I was delinquent on 2 XXXX cards. On XX/XX/2014, I came to a settlement, in court, with a law firm Nudelman, Klemm, and Golub. This law frim claimed that they were representing XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX, attempting to collect. I looked at my credit report and saw that both XXXX AND XXXX were listed as companys that I owed. When I contacted XXXX, they told me that they sold my debt to XXXX. Why am I paying Nudelman, Klemm, and Golub? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX? If so, this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the home buying process is when we realized there was numerous false student loan accounts open under my name, and it seems to have stemmed from when XXXX did the switchover to XXXX. It looks like they copied my loan balances and never deleted them so now it shows as me owing around double than what I actually owe. Ive contacted XXXX myself several times and they dont show any accounts open with those balances - I only have XXXX accounts open and the balances total exactly what they are supposed to on their end. I followed up with a call accompanied by xactus to help me with the process AGAIN, and they again told us these accounts did not exist. Ive tried to dispute these now multiple times through all XXXX of the credit bureaus, some have been successful, others have not. XXXX has now deleted the accounts, however theyve added the loan amounts from those deleted ones to my active ones, also still false reporting. Its getting super frustrating trying to buy a home and not having any information on my report be accurate. Could someone PLEASE address this extremely important issue as soon as possible? Oh and not to mention that XXXX false addresses listed under my account that Ive never seen or been associated with in my life- oh AND the multiple other phone numbers Ive never seen. Can we have some security here?
Product: Mortgage

My loan was just sold to BSI financial services at the end of last year. I noticed in XXXX that my taxes have not been paid. I have contacted them four different times now to make sure that they get paid but it still hasn't been done. Every day that they don't get paid the penalty gets higher and I am afraid that they are gon na use my escrow dollars to pay the penalty as well which isn't right.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  XXXX GA, i do not have a contract with XXXX XXXX XXXX IN, they did not provide me with the original contract as i requested. 




The content mentioned above has never been certified to conform to any reporting standards. The data provided has never been verified or complete, and it's also out of date. In order to comply with reporting obligations and consumer legislation, documentation confirming compliance is required. The information given so far is insufficient, and I demand that any wrong, incomplete, or unsupported material be deleted.
Product: Checking or savings account

I opened my account with PNC bank on XX/XX/XXXX and funded it with XXXX dollars. I never received a debit card. 

I called on XX/XX/XXXX and was told the only way to access my account was to have another debit card sent to me for a charge of {$7.00}, even though I never got a card. 

I then tired to close my account and was told it would cost {$25.00}. 

This is insane. They want me to pay them to access my own money.
Product: Credit reporting or other personal consumer reports

I have disputed these items with TransUnion, XXXX and XXXX. Nothing has been done even after providing proof. The only address that should be on my credit report is my existing address XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i was informed via Email that a XXXX XXXX  credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX student loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I made a complaint about this company and its debt collection tactics. On XX/XX/XXXX, I received a response that the debt had been removed from their office. I then disputed the account on my credit report with the credit bureaus, and Waypoint keeps verifying this account as accurate. Since the account has been removed from their office, I want it deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. With the attached XXXX  they must all match in Year and Month and they are not to do so.
Product: Debt collection

This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX  and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid XXXX  {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my Experian report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait 6 months!
Product: Credit card or prepaid card

I received a call on XX/XX/2019 from Navy Federal Credit Union trying to collect on a {$7900.00} balance for transactions that were not processed by me. The operator on the line explained to me that after investigating the situation they said that the charges were still valid. As I have never opened an account with this credit union it does not make sense that I am responsible for these charges. I tried calling the company to request further information concerning the investigation and was connect to an operator who put me on hold and proceeded to disconnect the call.
Product: Checking or savings account

When I open the citi bank checking and saving account in the end of XXXX, there is promotion : deposit more than 15,000 within 60 days, you will get {$400.00} bonus in 90 days. I did deposit $ 15000+ on XX/XX/XXXX. But I got nothing so far. Contacted them twice saying i am qualified, but just wait please. It's not acceptable
Product: Mortgage

We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a {$900.00} check into my account and shortly after that my account was frozen and they said it would take 7 to 10 business days for them to get unfrozen and it was never unfrozen. I called them repeatedly trying to get them to tell me why it was frozen they never could explain it and they never did unfreeze it and I dont know if they closed it or what but I havent been able to access or use my account. I need them to tell me why they froze it to give me my money its {$900.00}. Thats in my account that I have no access to and I would like them to bring my account back into good standing and unfreeze it. I called customer service over six times to try to resolve this and they were never any help. They would never tell me anything. They kept saying it would be 7 to 10 days before it would be handled and it was over six months now that its been this way and it still hasnt been handled
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Walmart Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ). 
I have made payments to Walmart in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( Please see attached documentation as proof ). 
Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed in XXXX.