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 {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}.

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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2023 {$1200.00} was added to overdraft when {$1100.00} was transferred over on XXXX and I added up the cost and it was not overdrawn at all! I called US Bank four times to speak with a supervisor and was told I would get a call back but it instead they transferred over another {$1200.00} over and never returned my call to explain at all! I would like my money back ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding an account that your company charged off and reported to the credit bureaus. The account in question is as follows : Account Number : XXXX Under IRS guidelines, when a debt is charged off and considered canceled or forgiven, a Form 1099-C ( Cancellation of Debt ) is typically issued to the debtor to report the cancellation as potential taxable income. To date, I have not received a Form 1099-C for this charged-off account, which raises concerns about the legitimacy and completeness of your reporting.

By failing to issue a 1099-C, you have not complied with your obligations to notify me of any potential tax implications or the discharge of this debt. As such, the continued reporting of this account as a valid debt on my credit report is inaccurate and unjust. 
I respectfully request that you : XXXX. Remove this account from my credit report with all credit bureaus immediately. 
XXXX. Provide me with written confirmation of the removal. 
Failure to resolve this matter promptly may leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal remedies to address the inaccurate reporting. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receiving this letter. Please send any correspondence to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXX XXXXXXXX acct # XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX have ALL violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am trying to move and this XXXX that's inaccurate is reporting on my consumer reports. 

This is investigation did not fix the error on my report when I disputed it about XXXX times. It just keep getting updated which is a violation. With the damages on my credit report, according 15 USC 16981 there should not be anything damaging on my credit report. Which makes this a defamation of my character. 

I haven't been granted a proper investigation with the credit bureaus because I explained my situation and how the creditor is and continues to violate my consumer rights. But the credit bureaus to ignore my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any Items which are found to be opened due to identity theft. The dispute Items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these Items belong to me will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the Items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX CT XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : - FIRST XXXX BANK XXXX Balance : - XXXX FEDERAL XXXX XXXX XXXX Balance : {$4600.00} XXXX BANK XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance XXXX {$2900.00} XXXX CARD XXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX FCU XXXX Balance XXXX {$4600.00} XXXX XXXX XXXXXXXX Balance : {$2300.00XXXX XXXX XXXX XXXX XXXX XXXX  PAY XXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX. XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

Someone else was managing my bank account and I didnt have access to it.
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. 
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
Product: Debt collection

XX/XX/2018 Auto Loan was sold and XXXX in the amount XXXX I disputed the items to Credit Agency and the company bridgecrest no action was made. I would love dor this to be removed from my report being that it is false.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

on XX/XX/year> an Identity theft dispute was filed including an FTC report with proper validation for Identification, according to our records ( XXXX tracking number ) was received successfully. MAXIMUS education also Aidvantage has failed to respond to my dispute within FCRA stated time frame with investigation resolution to the inaccurate reporting. All CRA 's either failed or have not received documentation from MAXIMUS also Aidvantage about the Identity theft dispute on all accounts in order to start a mandatory investigation. Till this date no response was received nor resolution to the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These companies have had 180 days and 4 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XX/XX/XXXX Re : Unauthorized Hard Inquiry Dispute I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by XXXX on XX/XX/XXXX. 

XXXX XXXX on XX/XX/XXXX. 

XXXX on XX/XX/XXXX. 


It does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ).

As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. 

Please confirm in writing that the inquiry has been removed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

I have several credit cards through J P Morgan Chase. I have had to carry a balance on these cards because of emergencies and various other expenses. I have a perfect payment record for over ten years! I recently called this bank to ask for a lower interest rate ( now at XXXX % ) and this terrible institution refused after a half hour on the phone. Is this agency doing anything about this legalized loan sharking? Why are these criminal interest rates allowed to stand? Credit card reform is almost meaningless without attacking these high rates. Again, I have a perfect payment record for over a decade- no late fees, no missed payments. Please advise. Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

I tried to use the XXXX  app and it didn't work
Product: Credit card or prepaid card

I made application for a XXXX credit card through Synchrony Bank. I was denied credit based upon my credit being frozen with the credit reporting agencies. 
I then lifted the freeze temporarily and reapplied but was denied based upon " prior application submitted too recently ''. 

Freezing ones credit is highly recommended by not only the federal government but various consumer agencies. It is unfair to categorize an applicant with frozen credit the same as an applicant with poor credit. The implementation of a waiting period to reapply is nonsensically under these circumstances. My credit is superb and I refuse to lift my credit freeze permanently. Synchrony Bank has stated that there is nothing that can be done.
Product: Credit card

On XXXX XXXX XXXX I received an email from Apple that they were refunding me a lump sum of XXXX that I had paid over time for an apple care coverage of a phone I no longer had and XXXX had for over 2 years but was still charged monthly for. 
The email confirmed a refund had been sent to my Apple Card I have that is issued by Goldman Sachs Bank. The refund was issued on XX/XX/XXXX, yet the refund is still not showing on the card. I have called XXXX directly to confirm that the refund was indeed sent. They confirmed that the refund was not only sent, but was also accepted by Goldman Sachs bank and there is an ARN number as well for this transaction. That number is XXXX number XXXX. 
I have spoken to Goldman Sachs for hours and no one seems to know anything about this refund. I have provided them the number and they sound each time as if they are first time hearing of such a number. They keep transferring me to XXXX to get more information, but XXXX has nothing more to give me. That refund has been released and accepted by Goldman Sachs Bank and they are simply not putting it back into my account. Initially I was told the refund could take up to 30 days to show back on the statement but we are getting close to 2 months now. I am at my wits end because no one seems to want to take any accountability that XXXX has simply just disappeared. Please help, as this appears not to be the first time this bank has done in the past.
Product: Checking or savings account

Hello I just visited US Bank on XXXX XXXX in XXXX XXXX Im very upset because I tried to open an account online and it said it would be successful pending identity verification I came to the place in person and a security guard was very rude following me around and once I talk to the bank teller she told me that I had an account closed on XXXX Of 2021 the bank teller was very rude and they refused to open an account with me she refused to provide an account number and I will not recommend this to any of my friends
Product: Credit reporting or other personal consumer reports

MY NAME IN PERSONAL INFORMATION IS NOT CORRECT ON MY CREDIT REPORT PLEASE REMOVE XXXX XXXX
Product: Credit card

I filed a dispute with Synchrony bank for non receipt of an order on XX/XX/XXXX. I had to contact them several times since they did not resolve my dispute. Since the items were to be shipped by a marketplace merchant they use on their website, they said I needed to work with the merchant and they could not help me. I explained that I made the purchase on their credit card and that the merchant had been contacted but has refused to send me the order, only saying they would get back with me. On XX/XX/XXXX, they indicated they saw that they received my dispute but had not been resolved and appeared that the disputes department missed resolving the issue and would again have it re-reviewed. The bank has not resolved my dispute and has refused to credit my account, even though it has been more than 60 days since they received the dispute. Synchrony bank should not do business with third party merchants since they try to use this as an excuse not to resolve customer issues when using their bank credit card. 


details of the dispute : Disputed transaction {$45.00} posted XX/XX/XXXX XXXX # XXXX which was processed online at XXXX website
Product: Debt collection

Chime report at false information to debt collector. I owed {$XXXX} on my credit card before they closed it on XX/XX/XXXX. Chime hasn't given the beer or any up-to-date information since XXXX of XXXX. I've tried calling the number provided but they keep pulling up the wrong information and I can't get a hold of a human only AI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX viewed my Experian credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my Experian credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and Experian disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my Experian file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}