23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX 2019 I became aware that an account was opened under my name based on doing a credit report. On XXXX XXXX 2019 I called the company Nordstrom in regards to this issue and the representative informed me that I needed to write a letter in my handwriting stating that I did not opened the account and how I became aware of it and to also include a copy of my drivers license. On XXXX,2019 I sent the letter. On XXXX XXXX,2019 I finally received a response stating that they " determined that the information provided does not support your claim of fraud '' and that it would 'continue ti report the credit bureaus. I do not understand how they do not consider it fraud. I have lived at this home address for more than 15 years. I know for a fact who ever made the account did not put my current address because I never received a bill or the actual card. Whoever address they have on file is the first step to get in contact who stole my identity. Nordstrom response made me feel like i am the criminal when in fact I am a victim of identity theft!
Product: Checking or savings account

On XX/XX/22, I sent a person {$300.00} to purchase a set of concert tickets. I used XXXX, thru my bank account so the transaction would go thru immediately since the concert was that day and I need the tickets asap. It was in two transactions of {$150.00}. The XXXX transaction of {$150.00} apparently didn't process so it was refunded to me. I called my local to branch and that was confirmed. So I sent the XXXX amount of {$150.00} and it happend again and pnce confirmed that but I wasn't comfortable sending anymore money with my money being in transitions. The PNC CS rep told me it would take up to 24hrs for the refund to shoe in my account. So I decided to cancel my agreement with this individual in buying the tickets and hoped my money would be back in my account soon. Within 48 hours it still wasn't showing any refunds so I contacted pnc again and the rep told me to file a report since there wasn't any refunds showing. I proceeded to do so, waited to hear from them while they looked over the case. I just received the letter today stating they will not refund me due to no suspicious activity on my account.
Product: Credit card

I received a notice on my phone that my account had been closed and an email stating I had violated terms and conditions, but did not say what term and/or condition I had voilated. 

I contacted customer service, whom then stated to just read the terms and i'd figure out what I did wrong. They can not provide an answer as to why the account was closed, and refuse to do so.
Product: Credit card

In XX/XX/year>, I deactivated a Bank of America credit card. Since then, I received a new card with a completely different account number. 

In XX/XX/year>, I made my first payment on the new card, {$850.00}, but for some reason, the payment was applied to my deactivated card, which had a XXXX balance. I contacted Bank of America, asking them to either refund the payment or transfer it to my active account with a balance. They informed me that the transfer would take XXXX days or more, so I opted for a refund instead. XXXX days have passed without a refund, and when I followed up, I was told it would take XXXX business days to correct their mistake. 

I urgently need my money back, as I had to make an additional {$800.00} payment to the card that should have been paid to begin with. It's troubling that I can still make payments on my XXXX deactivated cards. Why am I able to pay on accounts that are closed and have no balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at credit reports and seen fraud and swindles all negative remarks are swindles and fraud ... XXXX XXXX Office of attorney general loan. XXXX XXXX loan. All late payment on any account.. XXXX XXXX and experian
Product: Credit reporting or other personal consumer reports

These companies have incorrect information reporting on multiple of my accounts. There is also incomplete information on my consumer reports. These errors are effecting my finances due to my credit score lowering.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXXXXXX  Balance Owed : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed in my billing statements That I was being charged for a Time Share on a property that was accruing every month on the XXXX of each month {$250.00} that was never agreed upon. I cancelled that contract within 90 days of the original contract date. I called and left several messages with the company. XXXX XXXX. However I received an email on XX/XX/XXXX from the company representative stating he was sorry for the delay in returning my call, upon proof that I requested for me to use the email he had provided as a null/void Receipt and I would not experience any other monthly charges. When I called into TJ MAXX credit card to explain what had happened, that I have this card ( My TJ MAXX Card ) set up to come directly out of my checking account and I had just realized when I went to make a XXXX purchase that the balance was extremely high I receive my statements electronically once I started looking into the amounts charged monthly I was only able to go back to XX/XX/XXXX. When I called in and spoke to the lady she explained to get any information to support my complaint. That the would reach out to me and request my documentation. I did I retrieved the email I received and had it available from the company stating it was voided. and apologize for delay in getting back with me as he was out of the states for the holiday. However TJ MAXX never requested my proof of documentation, never asked me for anything, just stated the company provided them a signature of the purchase. However they failed to explain it had a 90 day period to void out the contract. I DID JUST THAT.. Instead of asking me for my supporting documents they just reissued the merchant XXXX off my credit card. WITHOUT getting to the full details from the customer ( which is I ). I have included proof of my email of null and void. However would like some resolution to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of XXXX XXXX XXXX XXXX. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation. 

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of XXXX XXXX Code XXXX - Procedure in case of disputed accuracy. 

The XXXX XXXX XXXX has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you XXXX be held liable under XXXX XXXX. XXXX validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request for Deletion of XXXX Account from My Credit Report Dear TransUnion , I am writing to formally dispute the XXXX account appearing on my credit report. Despite previous disputes regarding this account, I have been informed that thorough investigations were conducted. However, the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes raises significant concerns about the integrity of prior investigations. 

I want to make it explicitly clear that I have never opened an account with XXXX XXXX This account, which currently appears as closed on my credit report, is not valid. I am requesting that TransUnion provide proof of its legitimacy, including original documents, agreements, or evidence linking me to this account. If this account can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ), I demand its immediate deletion from my credit report. 

The continued reporting of inaccurate information on my credit report is harmful and unjust. I expect TransUnion to address this matter with the utmost seriousness and conduct a comprehensive review. Additionally, I request written confirmation of the outcome of this dispute, including any changes made to my credit report. 

Thank you for your prompt attention to this matter. Please respond within the 30-day timeframe mandated by the FCRA. If you require additional information, I can be reached at XXXX or XXXX. 

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

Equifax has yet to correct this negative item on my credit which isnt mine
Product: Checking or savings account

I was charged for a XXXX XXXX XXXX that I cancelled before the said date in which I would be charged for it would be. My bank, Wells Fargo, made a claim for me and on XX/XX/year>, I received a letter in the mail stating that it was declined. I called a representative from Wells Fargo and they told me that my claim was denied and gave me very little information as to why this really was when I in fact cancelled my membership before the date that was just provided to me over the phone from the Wells Fargo Claims Specialist. According to them, they said that a XXXX XXXX XXXX confirmed with them that the date to be charged for whatever fees I was asked to pay was on XX/XX/year>. I cancelled my membership before that and have provided a document from XXXX XXXX that confirms this. I specifically told the associate I cancelled my membership with on site that I didn't want to be charged for any fees beyond my cancellation, and he verbally told me that I had nothing to worry about. 

Why am I still being forced to pay such a price? It's even greater than the monthly fee that I had already been paying. I cancelled my membership before the day for several reasons and didn't visit the facility further. I'm still being forced to pay forward an amount that I can not afford for a service I never received!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is giving me a hard time about things on my report,, I cant understand is how I file a fraudulent report back in 2020 when things started happening on my report,, I sent a copy of the file number and date so I what I cant understand is how can you update my disputes with my current credit report,, yes its going to match if it was stolen and used come on now how can that really happen its not fair and its not right to continue to be a victim and cant get no help XXXX removed the negative information I disputed why yall cant how XXXX just update stolen information with current information and says its me when telling you its not me world financial, XXXX  XXXX XXXX XXXX XXXX XXXX and more of the dispute please stop updating my current information with this fraudulent report please remove these things please
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, XXXX XXXX XXXX  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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I received from Rash Curtis & Associates account # XXXX dated XX/XX/XXXX Re XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX Hospital {$1200.00} Please note that did not receive Medical Care from XXXX XXXX XXXX XXXX. The debt is not mine and is possible identity theft. Attached are documents showing that I owe XXXX XXXX Hospital for Medical charges from XX/XX/XXXX not XX/XX/XXXX am currently on a payment plan of {$50.00} per month the account # XXXX Furthermore, attached are document showing that I received Medical Care Urgent on XX/XX/XXXX from Urgent Care in XXXX, CA totaling {$68.00} was paid in full at the time services were rendered my visa Debit Card. Please note that these charges are false in my opinion identity theft. Also, note that I am on Worker Compensation for the XXXX XXXX XXXX XXXX with XXXX XXXX claim adjuster names are XXXX XXXX XXXXXXXX XXXX ex XXXX & claim adjuster XXXX XXXX ( XXXX ) XXXX Claims # XXXX state claim # XXXX & XXXX ( please note that this injury was not registered with the state of ca because this workplace was injury was caused by a co-worker at in the Direct Sales Department named XXXX XXXX ). Also, note that XXXX XXXX attorney named XXXX XXXX XXXX of the Law Firm XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Daily limit was changed without my knowledge. I later changed it online within the past few months
Product: Credit card or prepaid card

I contacted XXXXXXXX XXXX XXXX XXXX on XX/XX/2021 to give me an estimate on a blower motor. After they arrived, there quote was completely different than I was quoted over the phone. I told them ( XXXX 's ) no thanks. I was told about a {$29.00} trip charge which I was ok with. However, two days later when checking my account. I see a charge of {$540.00}!!!! I did not authorize this or sign anything!!! When I contacted Wells Fargo, they said there investigation shows a valid purchase!!! XXXXXXXX XXXX  submitted a fraudulent invoice!!! I have never seen this invoice and it contains a signature!! XXXXXXXX XXXX & Wells Fargo have a fraudulent document that has a forged signature!!! 
The invoice I have is completely different!! No signature or and bogus work done!! 
I have provided the correct document and the document from XXXX XXXX. XXXX XXXX  did a great job providing me a blower motor!! 
XXXX investigators do not care about my money and would prefer to pay it out. They allowed this fraudulent purchase and do not want to admit liability!!
Product: Payday loan, title loan, or personal loan

I keep trying to apply for an installment loan from Klarna. I made several purchases with them and have paid them off early or right on time with no issues. I have been trying for 3 years to make a new purchase but with no avail I cant create a new card. The reason I am given by a pop up is that I maybe missed a payment. When I called customer service they tell me my payment history is good every thing paid on time and in full. I know I have good credit so it cant be that either
Product: Debt collection

XXXX XXXX {$1100.00} open XX/XX/XXXX just appeared on my credit report XX/XX/XXXX. This account is not Mine I haven't had service with them.
Product: Mortgage

we were looking into refinancing to lower our monthly payment ... called a lender and they discovered we were being overcharged ( double the amount ) for escrow. we contacted DiTech and requested a refund for the overage and our monthly payment to be adjusted. we were satisfied and also thankful that was discovered and also disappointed in ourselves for not realizing this. since then, we have been harassed with bad debt phone calls by DiTech, and notice statements two to three times a week from them claiming we 're two months behind in payments ( we have never missed a payment ). It has been non-stop, my husband and I have spoken to numerous customer service people, and supervisors whom all have been very uncaring and unhelpful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Equifax , Inc. for their failure to honor my request to freeze my credit report, despite their obligations under federal regulations as credit reporting agencies. 

I mailed a written request to XXXX and Equifax , Inc. requesting a freeze on my credit report as allowed under the Fair Credit Reporting Act ( FCRA ). However, I did not receive any response regarding my request. Following this, I contacted their customer service department via phone to inquire about the status of my request. During the conversation, a representative informed me that they do not freeze credit reports, which I believe contradicts their responsibilities as a credit bureau under federal law. 

I find this refusal to freeze my credit report to be a violation of my consumer rights. As a fair resolution, I am requesting that XXXX and Equifax XXXX XXXX XXXX XXXX promptly freeze my credit report as per my original request and provide written confirmation of the freeze. 

I kindly request your assistance in investigating this matter and ensuring that XXXX and Equifax XXXX XXXX XXXX XXXX comply with applicable federal regulations and consumer protections.
Product: Payday loan, title loan, or personal loan

I took out a {$900.00} loan. I have now paid back {$1500.00} and they are saying my principle balance is still {$690.00}!! Turns out, my interest rate is 501 % and I will have paid this back about 10 times before I have it paid off. I never saw an interest rate before signing. I new my monthly payment was {$310.00}, but I assumed that was until I had paid off the {$900.00}. But it still comes out every month. 

Looks like they are a tribe and say they are not covered under federal law ... 

They are called Big Picture Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX  XXXX XXXX Balanced Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$22.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items. which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to Zelle, in which I clearly stated how this scam has affected me personally, pXXXX  and financially. 

About XX/XX/2022, I fell victim to a multi-layered scam operation run by fake Zelle representative which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXl Bank account to fraudulent investment firms. 

I am yet to receive a satisfactory response and resolution from Zelle
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Southwest Credit System XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number XXXX. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt. 

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete. 

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX