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 {$1000.00}. 
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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3500.00}. 
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. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section XXXX ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. XXXX, XXXX and TransUnion XXXX XXXX XXXX this information off my credit report. It has been more then XXXX  days since my last filed dispute. 
By XXXX FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2b XXXX loans. 
I have disputed this information with all XXXX credit bureaus XXXX  times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then XXXX days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies. 
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove these negative items from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX XXXX {$1000.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach, and you got ta remove this information, don't turn my dispute into a 30 day dispute, under section 605 B, this should be removed in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized inquiries. I have tried to dispute these unauthorized inquiries via phone and letter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Was a good standing customer for over 10 yrs with Citbank Mortgage enrolled into their Equity builder program, and refinace in XX/XX/XXXX, Tried to refinace in XX/XX/XXXX. 
My loan office lacked product knowledge : he could never give me a straight answer as to why the underwriting was delayed said he would have to talk to someone and get back which he never did, I always had to call him, when I did n't get a response I contacted his manager who never returned my call either ... .. 
No customer service skills were shown, nor did he pay attention to details. the application was denied without him even knowing until I called him to get a status up date, I made numerous calls to Citi. When I did get thru to him, he had lots of excuses as to why I had n't heard from him ... .email is down, phone 's system not working and out of office for personal time ... then someone else should have been working in his behalf. 
My other complaint is with the Equity builder program. I have an " Amortization '' sheet from XX/XX/XXXX that shows my balance should be at a certain amount by a specific year, when I checked my statement saw the figures from Citi monthly statement were not in agreement I called the company, faxed a copy of my Amortization to their research dept, and still have not heard back from them. 
I am totally disappointed in their customer service or lack of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account AMERICAN ACCOUNTS ADVISORS INC Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that AMERICAN ACCOUNTS ADVISORS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

Hi- I went to Penfed CU on XX/XX/2023 to apply for an auto loan with my XXXX. The banker helping XXXX named XXXX asked a colleague named XXXX to help her. XXXX took my drivers license and made comments about my age multiple times in-front of my XXXX  and XXXX. She stated multiple times because I am young there may be a chance I will be denied. I am over XXXX. Unfortunately, I was denied and XXXX proceeded to state it is because of my age. I was discriminated against due to my age by XXXX at Penfed Credit Union.
Product: Payday loan, title loan, or personal loan

A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from companies I did not authorize.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union ( NFCU ) regarding multiple overdraft fees Ive incurred. Despite having the sufficient funds when the transaction was authorized, I was still charged fees due to a lag in posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where the transactions settled with insufficient balances despite initially available funds. I believe that these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX/XXXX  : XXXX XXXX  XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX
Product: Credit card

i close my acc and set up payment ontime but somehow the system confuse me to the payment date- which made my payment late. 

Try to fix the issue and avoid late payment fee- never able to find correct customer service. The phone number and online chat service are sucks and confuse people- instruction me with totally incorrect direction. 

All i want to do just finish business with this bank and walk away forever. 

Dont charge my late fee.
Product: Mortgage

When searching for a refinance we encountered XXXX XXXX of Rocket Mortgage, a branch of Quicken Loans I believe. We were promised quick efficient service because we had XXXX accounts, and THAT WE WOULD NOT NEED A HOME APPRAISAL. 

Over a period of many months they asked for document after document. Then they claimed that so much time had gone by that we had to redo some of the documents. 

And then, when we sat down to sign, the process was halted because of a spelling error. 
Then, they said they couldn't continue until they had another closing sum from our bank. 

Now they claimed that the original interest rate offer had expired. 

NOW THEY CLAIM SO MUCH TIME HAS PASSED THAT WE NOW NEED AN APPRAISAL OF OUR HOME 'S VALUE! This does seem like bait and switch? 

In any case we have heard nothing further from them.
Product: Debt collection

LVNV Funding has been harassing me & reporting false information on my credit report for the amount of {$840.00} stating it was opened on XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed bankruptcy from my credit file for XX/XX/2015 bk XXXX Al. Experian is stating when they verify with XXXX it shows accurate. I need them to communicate and get resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.
Product: Checking or savings account

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XX/XX/XXXX Chex Systems , Inc . 

Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Reported Information Dear Consumer Relations, I am writing to formally dispute the accuracy of the information reported on my Chex Systems consumer report associated with my Consumer ID. I have reviewed my report and found several accounts that I believe are not mine. 
The specific accounts I am disputing are : 1. Account from XXXX XXXX XXXX - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Date of Closure : XX/XX/XXXX - Original Charge Off Amount : {$920.00} account # XXXX I request that you provide documentation proving that these accounts are indeed mine. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I am requesting that you send me proof of these accounts within 7 days of receiving this letter. If you are unable to provide such documentation, I request that you delete these accounts from my report. 


Please send your response to my address listed above. Thank you for your prompt attention to this matter sincerely XXXX XXXX
Product: Mortgage

Shellpoint mortgage servicing XXXX XXXX XXXX XXXX, SC XXXX XXXX Shellpoint mortgage servicing applied late fees in XXXX of XXXX  after sending a confirmation of payment being received on XXXX XXXX  that the payment had posted. Confirmation number XXXX. The payment was not fully processed due to shellpoint incorrectly entering my bank information. I confirmed with my bank members XXXX XXXX XXXX XXXX, that it was not my account that caused the issue. Shellpoint never sent an email or any type of communication stating the payment did not clear. I called multiple times and after the third time made payment over the phone with a representative that finally went through on the XXXX  of the month. I was also told i could not dispute late charges until the mortgage was brought current. This has been an ongoing problem with shellpoint for three months. I believe they purposely do not notify the mortgagee that a payment did not process in order to charge late fees. I disputed the charge as instructed and received a letter in the mail today dated XX/XX/2023 that my request was denied because I did not make the payment until XX/XX/XXXX. I made three attempts to pay the mortgage before the penalty date of XX/XX/XXXX. Each time I received confirmation that the payment was received. Never did I receive any notice that the payment did not process. I had to personally log into my online mortgage and bank account daily to see if the payment cleared.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I filed a police report and FTC report and sent them to the credit agencies. These documents are not being processed correctly and my disputes are not being submitted. I also am not getting copies of the verification process The Accounts are : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and my information was found on dark web and Equifax data breach. I demand this XXXX XXXX XXXX account be removed from my credit report its fraud the law prohibits fraudulent items from being placed on my credit report. I'm in the middle of purchasing i need to have this removed immediately. This is a violation of my consumer right to privacy and defamation of character lawsuit will be assessed if this account is not removed 1,000 per violation. 

I have attached my FTC REPORT FOR YOUR REVIEW THIS ACCOUNT SHOULD NEVER SHOW UP AGAIN ON MY CREDIT REPORT. FAILURE TO REMOVE WILL COST {$1000.00} PER VIOLATION 15USC 1681 A, B, D
Product: Checking or savings account

On XX/XX/XXXX on a Friday I got a call from a scammer never knew he was at that time, and said someone in ohio tried to used your account to purchase something for {$450.00} and wells fargo do call me few times before and asked if I did purchase etc, they don't send alerts, so I thought it was them..however he sound professional not like offshore accent, he knew my debit card number, my address etc..he went in and disable my account just like a well fargo employee can do, and had wells fargo logo etc, you wouldn't think scammers have access to this unless was a pass employee or someone whom worked there, strange, I did report this to them I got money back of {$1400.00}, then they send me a letter on XX/XX/XXXX. Stating stated it was authorized or error did not occur, so seems like an a theif which am not, been with the bank over 17 years..the transaction was taking on check account ending XXXX, scammer transfer the {$670.00} from savings acct ending XXXX into my checking which I had {$710.00}, then purchased some things from XXXX XXXX XXXX, which is found out it the company in CA, that wells advised me to contact, the rep at well fargo claims fraud dept give me an incorrect phone number XXXX which is incorrect for the company to call about me disagreeing with the decision made on denial of my claim..then called back another rep give me XXXX to email same name that of place that my money was stolen..wow, strange..I knew wells fargo employee used to open fake account in customers name etc, now this..not accessing anyone, but they didn't do their research properly and I provided all info..why is step.com same company stole my money is company wells fargo uses and give permission to take the {$1400.00} on XX/XX/XXXX back from me am confused..someone gon na have to explained it seems like they cant..I was told nothing we can do, and when I asked the rep who is CFPB which is your company they told me don't know, guess they didn't want me complaint to you, strange, but I did my research ... Thank You, my phone number XXXX XXXX XXXX
Product: Student loan

Two ( 2 ) FedLoans were opened under XXXX XXXX who used my information as a co-signer. I am an XXXX XXXX XXXX XXXX member and all my education has been through my benefits within the military using Tuition assistance and I have never applied with FedLoans for money or to help pay with my schooling. To my understanding the loans were opened sometime in XX/XX/XXXX, however, FedLoan states that their records reflect that I am listed as the cosigner on Mr. XXXX two ( 2 ) Direct Graduate/Student PLUS ( DLPLGB ) Loans disbursed on XX/XX/XXXX ( Loan Sequence 2 ) and XX/XX/XXXX ( Loan Sequence 4 ). Effective XX/XX/XXXX, the loans transferred to FedLoan Servicing to administer on behalf of the Department. The records indicate that my request for loan discharge due to forgery/Identity Theft was incomplete. 

There is no way my request can be completed as I do not know any of the information that FedLoan is asking for because I did not apply for this loan. How would I know this?

Furthermore, I provided FedLoan original documentation of my report filed with the XXXX Police Department. Therefore, it is impossible for me to provide them another original. If FedLoans did a full investigation they would hav called the XXXX Police Department at ( XXXX ) XXXX and would have concluded that I did, in fact, file a poIice report and I can only provide the copy BECAUSE FEDLOANS HAS THE ORIGINAL, and will provide a copy AGAIN to this report and FedLoan can call the police department to confirm that this has been filed.

Additionally, I have filed a dispute with all 3 major credit bureaus as well as FedLoans ( WITH ALL ORIGINAL COPIES ). I will also seek legal action if I am not removed from these loans.
Product: Mortgage

On XX/XX/19 I planned on buying a home in AZ. I worked with Guild Mortgage and they pulled my credit to get a conventional loan started. We were not able to continue with the finalization and issue of credit with this loan because we did not end up buying the home. 

I am now trying to buy a home and with this hard credit pull for a mortgage on my credit history, It will make our interest rate higher, because of a lower credit score. 

Since I did not acquire credit and look forward to now buying a home, it would help us greatly to have this credit pull removed from all 3 bureaus so we can reapply at this time.