23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX XXXX ( that you allow ) of XXXX  at least half a dozen times about the XXXX, the misinformation and completely fake report they are presenting. Almost NOTHING on it is incorrect. They refuse over and over again to EVER change their non stop lies and fraudulent information. They are some of the worst XXXX and XXXX in America and must be stopped PERMANENTLY. They have been doing this to me, and I am certain everyone else, for DECADES! How do you allow them to continuously and endlessly commit fraud with no repercussions? STAGGERING!
Product: Mortgage

GREGORY FUNDING & the prior Finance Company are charging late fees that they created because they are selling my mortgage. Also, GREGORY FUNDING & the prior Finance Company are taking my money and they are not applying to my mortgage. They are using and charging for other charges that I did not approve. I also asked to GERGORY FUNDING and prior Finance Company to send my mortgage to a trustable Bank ( XXXX ) and they do not want transfer my mortgage because they want to continue robing my money. I am not agree to continue working with robbers.
Product: Debt collection

I requested to see how this debt was validated on XX/XX/21 through XXXX for 2 line items under collections- I received no correspondence and the file was once again noted as being verified- I C SYSTEM INC in the amount of {$270.00} and {$1100.00}
Product: Student loan

Needing other payment options besides {$460.00} a month, on top of navient saying my ffelp loans arent covered under dtr
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 {$11000.00}, {$0.00}, {$11000.00}, {$5800.00}, {$5300.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

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

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

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

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX 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/year> After reviewing my credit report, I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately! 
Thank you!
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX have been relentlessly contacting me for payment on services I never received. XXXX XXXX XXXX provides aligners and allows for modifications to ensure a proper fit and prevent permanent damage. However, due to their bankruptcy, I was unable to get necessary adjustments or visit their office for fittings. The aligners they provided do not fit, and XXXX has failed to fulfill their contractual obligationsmaking their payment demands unjustified. I refuse to pay for services that were never properly delivered. 

I have since been referred to a collections agency, TekCollect. I refuse to pay for services I never received, and I dispute the debt.
Product: Debt collection

The collection agency has garnished my wages in a debt it have told them not mine provide proof, they dnt. I was a victim of Id theft. I provided the report of police report that was filed on the account I was aware of at times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the security breach with Equifax credit bureau. As a result, I had the credit monitoring service Trusted ID Premier under Equifax for a certain period of time. When the time expired, I was given an option by Equifax to sign-up for XXXX XXXX under XXXX. At the time, I signed-up for ID Notify, there were a number of technical issues that I experienced when activating the account on their website. It took me several hours to sign-up for XXXX  XXXX because of the technical issues that I had with its website. 
About a month later, I attempted to log into XXXX  XXXX to review my account but was unable to do so. After several attempts to log into XXXX  XXXX unsuccessfully, I contacted XXXX. I spent about an hour trying reach a customer service representative to speak with because I continued to get automated responses. The customer representative for XXXX that I spoke with worked with me for about 30 minutes to log into the XXXX  XXXX site. When she was unable to assist me with getting into the site, and told me that it would be escalated to their Technical department for further help. The XXXX  XXXX customer service representative never indicated, at any point, that the account had not been activated completely from the beginning. Several weeks later when I had not received a telephone from the Technical Support representative at XXXX, I contacted them again on XX/XX/2019. It was at this point, I learned that the account registration had not been competed for some reason and as a result, it was not activated. I learned that even though I had technical issues with the XXXX XXXX website that the credit monitoring service could not be provided. The supervisor, XXXX, also indicated there was nothing that could be done to allow me access to the credit monitoring service, XXXX XXXX, because of Equifax 's policy. She suggested that I contact Equifax, and when I did, there was nothing that could be done even though it was a technical issue. This time I spoke with XXXX, of Trusted ID Premier, at Equifax, who was unable to provide me with assistance to correct the issue because of the technical problem. 
It is unfair that I am unable to receive the credit monitoring service with XXXX due to a technical issue with their website. Each company representative " blamed '' it on the other. And, it was not easy to reach a " live '' representative with the telephone numbers provided. I spent a considerable amount of time working with an automated system and speaking to individuals that I could not understand. I find it hard to understand that a company such as Equifax and XXXX has no way to correct a technical issue that did not allow my account to be activated. 

If in the future, there is a class action lawsuit against both Equifax and XXXX for security data breaches, I would like to be included.
Product: Credit reporting, credit repair services, or other personal consumer reports

Foundation Finance erroneously opened a loan account as a third party lender for deck repair by XXXX XXXX XXXX XXXX. I was informed XXXX that the loan had been denied. In XXXX, XXXX made me aware that if there was not a verification call with Foundation, that the loan would be voided ( there was no loan to begin with ), and we would have to pay them directly. I do not have a loan, and did not complete the loan process with Foundation. I've asked Foundation to remove this account, and they've refused.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX there was a fraudulent credit card from XXXX taking out using my personal information for the amount of {$5900.00} i have filed a ftc report and have contacted the police there was also on XX/XX/XXXX another fraudulent credit card taking out using my personal information with XXXX for the amount of {$5600.00}. also on XX/XX/XXXX there was a fraudulent credit card from XXXX  for the amount of {$10000.00} opened up using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter dispute several times for the last 3 months but the unauthorized inquiries still remain. From XX/XX/XXXX to XX/XX/XXXX
Product: Credit card or prepaid card

I have had a Chase Freedom card for many many years. I put all of my normal monthly charges on this card. I always pay down the balance on time and have excellent credit rating. Chase closed my card account with no explanation. I have called several times only to be told my account is closed and they cant tell me why and give me no options or next steps.
Product: Mortgage

Just recently through the complaint process with the CFPB, XXXX XXXX XXXX again pass off the responsibility of answer a question directly related to them as an alleged Trustee of my mortgage and owner of the NOTE. 

SPS the alleged servicer says that XXXX XXXX XXXX is the Account Holder of my mortgage. I disagree. I wanted XXXX XXXX to tell me that the mortgage was not paid off with Federal Relief Funds, or included in a law suit settlement.
Product: Checking or savings account

I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving, Further, they will not correct 1099 form to show no amount received...
Product: Prepaid card

On XX/XX/24 XXXX called me to offer a 50 % discount if I pay 1 year in advance. Since the offer was sponsored by XXXX they requested two gifts cards total amount {$540.00}. I purchased the cards from XXXX ( XXXX location ) and called back to XXXX to provide the card numbers as requested. They were not able to give me a confirmation number for payment and I immediately called XXXX and they said they dont know about the discount or call or email. I run to XXXX store to request a void for purchase and they did not do it. I called Chase bank to stop the transaction but XXXX said its on pending status and can not do anything about it. I went to the bank today and they said they cant do anything since I personally used the credit card and bought the gif cards myself. Please help me recoup my money. 
Since then I am bombarded with unknown phone calls and also I have an email the fake XXXX send me re the transaction.
Product: Credit card or prepaid card

On XX/XX/XXXX i came to realize that my Chase Freedom Credit Card was not in my wallet or in my immediate possession ; so I called the customer service number and reported my card lost/stolen. My card was immediately shut down by Chase, and i was notified that I did have multiple transactions on this card. After going through each transaction, it was discovered that these transactions totaling over {$6000.00} were all fraud. I was told and promised XXXX liability for fraud and was told that I will be issued temporary credit for all of these fraud charges, until 30-90 day investigation takes place. The following day, on XX/XX/XXXX, all of these fraud recharges were rebilled back to me to my new credit card number ; with no further explanation or justification from Chase Freedom card. It was been less then 24 hours after I filed a fraud claim with the credit card, and no possible investigation could have taken place. As of today, i have made over hundreds of phone calls to Chase, spoke with everyone from customer service agents, to fraud agents to senior fraud investigators and even executive office staff. They are refusing to address my problem and to admit fault in their re-bill. I have asked them for proof from merchants, which they are telling me they don't yet have. I told them that they had no right to reverse my temporary credits 20 hours after issuing them to me, and then not provide me with any written letter explaining their decisions and actions. Now that my balance is over {$6000.00} on my card, which is my total c credit limit ; it has impacted my credit score by over 20 points, and to top this all off, i received the only letter from Chase Freedom card last night in the mail ; which states that due to my balance being high, they decided to shut down my credit card!!! My balance should be XXXX, as i was and am still entitled to this fraud credit on my account. After calling them for a whole week, XXXX XXXX to XXXX XXXX when their fraud team closes for the day, all I've been given is a run around, each agents states that they can't help me, and they would have to look at my account and call me back after reading the memos. Nothing has been done and I'm sick and tired f calling merchants myself and hearing that created accounts are indeed Fraudulent and that they believe that Chase should credit me back. Why Chase isn't fighting for me as a consumer? They don't have any merchant receipts to provide to me as they said to me they are still investigating. If thats indeed the case then why did they already re-bill me? I by law am entitled to written explanations pertaining to any actions on my account, and this balance still remains on my account due to their negligence, and instead of correcting their actions and apologizing, they have closed down my credit card further impacting my credit score. Finally, the law limits what you owe if your credit card company doesn't follow the procedures mandated by the Fair Credit Billing Act. Thus, if your credit card issuer tries to collect a charge while it's investigating or violates the act in any other way, you should contact the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently announced an unprecedented data breach, which included my data. 

Name, Address, Drivers License, and other data was taken. 

XXXX has not given- a ) me any confidence that they can protect my data b ) me an explanation for the breech c ) any confidence in their published remediation plans d ) any confidence that their executives take this seriously, based on their minimal support for impacted customers e ) me the ability to order them to delete my data so that they ca n't have it be breeched
Product: Vehicle loan or lease

Lease ended XXXX and vehicle returned. XX/XX/XXXX statement for {$620.00} received ( {$400.00} disposition fee and {$220.00} excess wear and tear ). 

Kia Motors Finance ( KMF ) personnel have contacted me on my cell phone and also at my place of business on too many dates to list to collect this disposition fee and excessive wear and tear on a lease. I do not owe those funds. When the first invoice arrived, I called the XXXX number to notify how the account was being handled. The disposition fee was being paid by Kia of XXXX, as we had purchased another vehicle from them, and the Excess Wear and Tear fee was covered and would be paid by the insurance we purchase through XXXX XXXX XXXX. 

Kia of XXXX ( XXXX XXXX, Manager ) issued check XXXX for the disposition fee of {$400.00}, which was sent to KMF on XX/XX/2019, which KFM claims was not received. On Friday, XX/XX/XXXX, Ms. XXXX advised that she was over-nighting yet another {$400.00} payment to clear the disposition fee. 

On XX/XX/XXXX, XXXX XXXX XXXX confirmed to me in writing that they had issued a check for the {$220.00} excess wear and tear under the policy we purchased. 

As of todays discussion, the collector calling claimed none of the above payments have been received, then put me on hold to check into it. At least twice the phone was picked up and when I said hello, it was placed back on hold. After about 15 minutes on hold, the phone line went dead. 

I have attached documents from the parties that indicate they have fulfilled their obligation to me and sent these payments to KMF. Therefore, once KMF properly applies these payments, there is a XXXX  balance on the account. I have also emailed these to an email address of XXXX that was provided to me by one of the callers, which means you have this information in your files, yet continue to receive harassing calls. 

It is imperative that KMF update their records and show that I dispute having any obligation for this debt. I doubt that the problem is with Kia or XXXX or XXXX XXXX XXXX and believe Kia Motors Finance company is disorganized and the SNAFU lies in KFM so the payments can be properly applied, this will all be resolved. 

Attached is a current letter I'm sending, a copy of the check fthat was issued, a copy of which was provided to me by Kia of XXXX and a confirmation letter of payment from XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 a total of {$90000.00} USD was stolen from me thru the Coinbase wallet app in a XXXX XXXX XXXX scam.
Product: Credit reporting or other personal consumer reports

I have noticed that there is an item on my credit report that have resulted from fraud which I never benefitted from, this is unbelievable, my rights as a consumer is being violated. As a law-abiding citizen this is incredibly insulting. This is already reported to the Federal Trade Commission but is not removed from my report which is causing me immense stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$1000.00} XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently XXXX : XXXX XXXX XXXX  Please remove Late Payment as this is incorrect information and is being used fraudulently XXXX : XXXX Please remove theses fraudulently addresses on XXXX : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. CREDIT CARD Please remove Late Payment as this is incorrect information EQUIFAX : XXXX XXXX XXXX Please remove unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX  Please remoce unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX? XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX