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 {$830.00}, {$12000.00}, {$12000.00}, {$3700.00}, {$0.00}, {$0.00}, {$0.00}, {$5800.00}, {$8500.00}, {$7100.00}, {$8300.00}, {$4900.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

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

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00}.
Product: Credit reporting or other personal consumer reports

I sent a Letter to Equifax to dispute the inaccurate info they had and they can not locate my information and are not processing my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$12000.00} XX/XX/XXXX XXXX XXXX {$6800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  {$3500.00} XX/XX/XXXXXXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1200.00} XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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 of 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

After a 3 year lease with XXXX XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ) they allege false damages on the move out inspection in the amount of {$7000.00} reported it to a collection agency and then had it placed on my credit report. Some actions I have taken to resolve this issue are. Contacted XXXX XXXX XXXX XXXX via email XX/XX/XXXX, sent copies of XXXX County Magistrate Court civil action number XXXX to Professional Debt Mediation, I have sat down and discussed this issue in XXXX County Magistrate Court mediation, have filed dispute with each of the three major credit bureaus also file suit in XXXX XXXX Magistrate Court on XX/XX/XXXX and won judgement in my favor on XX/XX/XXXX civil action numberXXXX
Product: Credit card

I purchased a desktop computer online from XXXX XXXX on XXXX XXXX. Out of the box the computer did not work, and I was unable to get any response from XXXX. I requested a chargeback on my Capital One Visa card ending in XXXX on XX/XX/XXXX for {$1400.00}. I returned the defective computer to XXXX on XX/XX/XXXX and they issued a credit memo for the full amount. Capital One refuses to accept this cancellation and continues to bill me, plus 25 % interest. Attached is relevant documentation. I have requested that they cancel my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

In 2019 I was approved for a used car loan from PFS Auto I put {$6500.00} on a vehicle that with 24 % interest over 2 years cost me {$20000.00} when pandemic happened my wife lost her job we ended up having to move and with loss of income plus cost of relocation and fixed income we fell behind after the clutch went out and I replaced it myself I had made almost a full year of payment towards the loan at the date of XXXX. I was given no warning that the car was going to be repossessed they just showed up one day after running my credit report without authorization to see my new address I was told by the XXXX man that I was able to call and make up the late amount plus fees before the vehicle was sold that I could get the car back I informed him that I was getting my paycheck in 2 weeks and would be there on the XXXX and he said he would hold the vehicle there until then. 
After the tow truck leaves my house I immediately call PFS and was told that they were not going to let me make up the late payment amount and unless I could pay off the loan in full plus late fees and repo fees that the car would be sold at auction. This was absolutely heart breaking to me as this was my dream car that I put numerous upgrades towards and saved years for, {$10000.00} in payments and and nothing to show for it. Now I have a new account open on my credit report for {$610.00} the car was sold at auction but I have no idea what for as I never received anything after the repo happened just the account on my credit... 
I feel like the company knew the car would bring more at auction than I actually owed to them so instead of doing what was right and letting me catch up on the loan they kept my payments made then sold it for {$10000.00} or more at auction and made the extra profit. 
This is morally outrageous and if not illegal it should be. I am asking for PFS AUTO to do what they know is the right thing to do and return my vehicle to me since this is probably not possible then I ask that all my payments made on the vehicle plus the {$3000.00} in aftermarket parts I installed on the vehicle. Finally I want the collection account to be removed from my credit report as of now I am unable to even get approved for another loan with the repossession showing. 
If this is not resolved I will be filling a suit in small claims court and will seek mentioned amount plus attorney and court costs and anything else my attorney believes is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. 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 n 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 I prefer to speak to a us rept but they refused 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 .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 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 n now im homeless  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

On XX/XX/18 for the second time on this loan, I made a principal payment via electronic transfer. The payment was for {$3500.00}. It was applied to my loan on XX/XX/18. On XX/XX/18, it was taken off of my loan, and held in unapplied balance. They said because the balance was over {$3000.00} they had to hold the funds until it cleared my bank. I asked them for documentation where I agreed to that and they said " it's an internal policy, there is no documentation available. '' Is it lawful for a mortgage company to apply money to a loan and then the next day remove that?
Product: Debt collection

This CC is about 8 to 10 years old. I did a dept consolidation last year to clear all my dept and this was not part of my dept, i knew nothing of this dept. In a process of getting a mortgage loan it showed up on my credit as collection. I have a problem with it being on my credit and i am willing to negotiate and come to an agreement to pay it off. Even though i never received any notice from Midland Funding LLC for the past 8 years. 
After several attempts to negotiate on a amount to pay it off, they keep refusing. i am getting frustrated because its on my credit and also affection my ability to buy a house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Contacted XXXX XXXX prior to property taxes due in XXXX to verify amount covered by escrow. Customer service informed me the escrow account pays the amount and the letter is just a taxes formality. 

XXXX XXXX received a letter stating taxes were not paid with 30 day notice. Called XXXX XXXX 3 times, emailed letter, each time was told it was being taken care of and would take 10 days and watch my escrow account. XXXX XXXX still not paid. Received survey letter in the mail from XXXX XXXX.
Product: Debt collection

In addition to consumers having the right to privacy THE BUREAUS INC is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only. 

THE BUREAUS INC has not conformed and is in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Product: Checking or savings account

Cash App has ABUSED, taken advantage of AND HAVE COMMITTED FRAUD on my intellectual property rights on my negotiable instrument. Once I entered my application with CASH APP they have been infringing on my intellectual property and have been profiting off my social security number which is a FEDERAL CRIME. While using the banking app CASH APP which is operated under XXXX XXXX which was opened with my social security number ; Account ending in XXXX. Pursuant to 15 USC 1666f and the Social security act, With respect to credit card ( my social security number ), which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit any such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card. They have been charging me {$2.00} every time I use my insured account which is backed by the FDIC ONCE I OPENED THIS ACCOUNT. They have been stealing my money with fraudulent claims of " atm fees '' and " We charge a {$2.00} fee for ATM withdrawals in addition to ATM operator fees. We instantly reimburse fees when you get {$300.00} ( or more ) in paychecks directly deposited into your account each month. Once you've received qualifying direct deposits totaling {$300.00} ( or more ), we'll reimburse up to {$7.00} in ATM fees per withdrawal, and up to 3 withdrawals per 31 days '' which is false and misleading and was not conspicuously disclosed to me before I used my social security number for this consumer transaction/account being opened. They have been stealing money from my account and have been fraudulently doing so and justifying it with " company policy ''. 

Also I have several deposits of {$300.00} in one month or more so the fees should have been automatically reimbursed based off the information provided from cash app rep. So on account of that misinformation they are stealing my money.
Product: Credit reporting or other personal consumer reports

Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.
Product: Credit card

I was a authorized user on a store charge card for XXXX XXXX that my mother had a account to. She passed away and the account went delinquent. They reported negative activity on my credit report even though I was not owner of the account. Furthermore it is shown to be charged off, when in fact the estate paid off the bill in its entirety.
Product: Checking or savings account

My name is XXXX XXXX and I recently opened a checking account online on XX/XX/2023 at U.S. Bank.

Since the day I have opened my account, U.S. Bank has disabled my online access. Even after trying continuous attempts to with Digital online banking support, the problem is not getting resolved. I have had multiple sessions done like co-browsing, numerous customer service calls but no resolution as of yet.

Prior to opening checking account with U.S. Bank, I also had a U.S. Bank XXXX XXXX Credit card to which I had online access to. 

After the issue happened, I have now lost access to my Credit card account as well because U.S. Bank linked my checking account to the same USER ID which was linked to credit card account.

Digital banking support is neither able to enable my current USER ID nor able to create a new USER ID to enable my online access. Their IT infrastructure and compliance and fraud prevention system is in very dilapidated condition wherein even their employees are also not able to resolve the issue. 

XXXX XXXX from digital banking support who is working on this issue is least concerned and an employee of U.S. Bank who keep throwing the work off the fence to some back-end support team and come with one or the other excuses or several set of questions without any roadmap for resolution or any promising remediation pathway towards the resolution. Apparently, it feels that it is not just U.S. Bank infrastructure but even the employees of U.S. Bank are not welcoming and also incompetent.
Product: Credit card or prepaid card

Dear XXXX, I found your email on site as I can not get anyone on the phone or XXXX  chat. 

I am writing for assistance with a mistake my husband made paying my card ( old account ). This happened back several years ago Case XXXX, for which I have attached the resolution letter. 

In essence, my husband who pays our bills, pays them online, and posted the payment due on my account to a closed account of ours, another BOA account, totally by mistake. 

I contacted BOA when I received notice the bill was late. I told them it was paid, according to my husband. BOA found that it had been posted, yet to an old, closed account, instead of mine. 

They fixed it and posted to mine. 

However, it has been reported on my credit bureau accounts, all 3, as a delinquency and continues to be reported as such. It really is misrepresenting the situation. 

I was in contact with BOA during the time that this mistake was being researched and they assured me that they would address this issue with the credit bureaus, as I was very concerned about its impact upon me. 

Here I am, nearly 2.5 years later learning it is still out there being reported as a delinquency. 

I am therefore appealing to you for assistance and asking AGAIN for a goodwill adjustment, and having it taken off my credit report. 

If you can not help, can you please provide me assistance with how I can contact someone who can? I am a good customer. 

Attachment : BOA letter Sincerely, XXXX XXXX