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 {$0.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX XXXX with account number XXXX ; which are all three attempting to collect a debt from me. I have never entered into an agreement or a contract with ANY OF THESE XXXX COMPANIES which makes these fraudulent accounts. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. These fraudulent accounts reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from XXXX XXXX XXXX, XXXX XXXX SERVICES AND XXXX XXXX XXXX XXXX to cease and for these accounts to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Product: Debt collection

This complaint is against XXXX XXXX XXXX which started back in 2016 in which they placed a {$2500.00} charge on me and my sons credit and we have both filed several complaints to the credit agencies with no results and I actually filed a complaint with the XXXX and they never responded to this agencies request. So we found they are claiming that we left the apartment without proper notice and that we trashed the place as well. We gave them advanced notice and we didn't leave the place in a mess. The apartment that I moved into after leaving XXXX XXXX called them to verify that I was in good standing before signing my contract. Southern Management services was hired to collect the debt all they did was just place this account on both our credit reports but both parties avoided the XXXX and did not respond. We are just trying to get this resolved because it has been over XXXX and a half years on our credit history so I hope that you can help us with our problems.. also they are only going to send you what they want you to see because we know that they are hiding something and they have been very nasty with us for all these years for up to just asking a question..
Product: Checking or savings account

I purchased a product from a vendor. The vendor sent a damaged product. The product was returned to the vendor. The vendor refused to honor their return policy and refused to issue refund because of a " system '' issue. The vendor specifically said to contact my bank and deal with it through them. 

I contacted USAA and filed a claim for the transaction, offering them documentation. USAA refused wanting any documentation. The issued a temp credit to my account. 

USAA then reversed the temp credit, claiming I had not provided any documentation. They did not notify me of their request for documentation, after refusing to accept it when I first submitted the claim. When I learned that they had posted the request to my online account, I immediately provided all requested documentation, uploading the images and screenshot to their online portal as instructed. 

They did not reissue the credit. I have called more than a dozen times to get it fixed. USAA continues to say they will call me back, but they never do. 

Today, I took time off from work to call USAA to address this. I was on hold for XXXX hour and XXXX minutes before someone picked up. I spoke to XXXX at USAA resolution team. She said that too much time had past and the USAA Dispute Department was refusing to address it any further. Didn't matter that I had tried, over and over and over, to get USAA to take my calls and get it fixed, that I had been told over and over I would hear back from USAA about it and never did. They are refusing to proceed further and refusing to escalate to a supervisor or manager. 

USAA is in violation of their banking customer policy. I was in touch, or attempting to be in touch, on a regular basis since the first contact. It was USAA who dropped the ball and are now refusing to pick it back up. I have been a lifelong customer of USAA. In the last two months, it has been LITERALLY IMPOSSIBLE to get through to anyone on their phone system. I had to take time off from work to make the call today in order to be able to stay on hold for so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$270.00}, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report this and this was all done " Fraudulently.
Product: Vehicle loan or lease

I payed my car loan on time, the car was totaled and my insurance payed out the rest of the loan in full. There is no balance on the loan. I have tried resolving this with the company.
Product: Debt or credit management

I am writing to express my profound disappointment and frustration with Briteside Solutions, a company that falsely presented itself as a reputable debt consolidation service provider. I reside in Colorado. I recently received a mailer from Briteside Solutions in which they touted their services as a lifeline for families facing financial hardship. Their promotional materials were filled with lofty promises of debt consolidation, promises that have sadly proven to be nothing more than empty words. Allow me to provide some context. My credit score has consistently hovered above the XXXX mark, a testament to my unwavering commitment to timely payments to all my creditors. However, enticed by Briteside Solutions ' claims, I enrolled in their program, believing that they would effectively negotiate lower payments with my credit card companies on my behalf. This trust I placed in them has since turned into a regrettable mistake. To my utter dismay, Briteside Solutions failed to fulfill its obligations. They did not make the promised payments to my credit card providers, resulting in the charge-off of all my accounts. This catastrophic turn of events has left me financially compromised and caused a severe drop in my credit score, which now stands at an alarming low of XXXX. It is profoundly disheartening to find myself in a situation opposed to the rosy picture painted by Briteside Solutions. The misrepresentation of their capabilities has had dire consequences for my financial well-being and creditworthiness. I implore you to investigate this matter thoroughly and take appropriate action against Briteside Solutions for their deceptive practices. No one should endure the anguish and hardship I have experienced due to their false promises.
Product: Credit card or prepaid card

There have been in the past months trouble and harassment from Bank of America ( XXXX ) account. I have automatic payment at the end of the month, so payment is never an issue. I have experienced constant from BOA employees from disputing a charge, the male employee gave me a hard time about disputing the charge to today XX/XX/XXXX my charge card was reported stolen, not by me. I spoke to XXXX this morning who stated he has no idea why or who reported my card as stolen when he reviewed the note, he stated I even responded to an e-mail and confirmed I made a charge payment. I have spent many a phone call with BOA and feel the last BOA employee reported my card as stolen. I will report to the Delaware attorney general of BOA Deceptive practices and harassment to US consumers and elderly. I should not have to keep track of who I speak to at BOA or Bank of America, but it seems I do. A new card is being mailed out to me as of today from what XXXX informs me, but I have spent a lot of time dealing with BOA harassment and deceptive practices. My XXXX XXXX number are XXXX XXXX XXXX XXXX exp. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by PHL . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date.

Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame.

Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

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 items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; 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: Debt collection

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report from ALL 3 major credit bureaus.

Name on credit report is inaccurate.

False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Consumer Loan

Prestige Financial reported falsely on my credit report that I owe {$14000.00}, the car has been repossesed and the amount should reflect the sale of the vehicle and in amount due that is left over as a result. 

Further they continue to harass me via email with false alligations and tactics.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a XXXX XXXX XXXX XXXX XXXX. Ever since I got out the XXXX it has been a slow progression of falling behind with slight catching up then falling back behind. There are a couple financial institutions that I have been with for years that I have been having issues with. But, this company just closed my account for lack of payment. I have been with them for the last 15 years. Let alone they call 3 times a day after I already told them my situation. It has been difficult to find a job to cover all my expenses, since the loss of my military income. I make maybe half of what I use to me. So, they have closed my account. This was also a huge hit on my credit report. How can you have such a long good standing with a company and they do n't help you out!?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?
Product: Student loan

Navient has no email or phone call proof that I ever asked the consolidation or a 2 year accelerated agreement. Asking for more information about something is NOT proof of completing an application NOR proof of signing a contract. 

In 20 years they only have Just 4 random documents with no context provided, 2 of which were FORGED by XXXX XXXX as I have never seen them in my life! And 2 that have handwriting on them ( 1of which being the original sallie mae stafford loan from 1999 which has nothing to do with the consolidation ) XXXX and XXXX provided direct conflicting information in writing on electronic records with XXXX putting in writing that it was a 3rd party company and you saying it is in house. 

I addressed this point directly advised how to file a fraud claim if you dispute the validity of the account in my previous response to XXXX and that was completely ignored in XXXX response as the application disqualifies me completely based on its instruction that the loan must be currently held by the DOE for which Navient previously confirmed it is not and that was the reason it was not under administrative forbearance. 

I asked for proof that I requested what Navient said I requested and they did not provide it. Just simply made excuses of why they can not prove when, where, and how I requested it ( more information request doesnt count as that is not asking for the specific application nor did you provide any context proof of why a check stub was submitted when it wasnt required for the form that I supposedly requested, filled out incorrectly, and completed online even though the form clearly says fax or mail ONLY!!!! 

Finally I have asked Navient over 50 times by email including copying in the General Counsel XXXX XXXX and the CEO asking for the proper address to have them served with a lawsuit and they refuse to give it by simply ignoring the email request.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes, and asked for the documents supporting. No response and no resolve. Credit cards, and loans
Product: Checking or savings account

I deposited a check from a withdrawal from my retirement fund for XXXX. The check was deposited on XX/XX/year>. The check was cashed and cleared on XX/XX/year>. Chase bank will not release the fund to me until XX/XX/year>. Ive spoken to XXXX different representatives and all confirming the funds have been cleared into chase possession but all claiming that it something that is done automatically and can not be undone without verification on their part by the issuing bank and party. Which they claim they have not been able to do but I have been able to confirm by just calling and asking my retirement plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, my wife and I discovered that our social security numbers were used to submit fraudulent income tax to the IRS. Subsequently, we were notified by the IRS that our social security numbers had been compromised. This ( tax fraud using our social security numbers ) continued for subsequent XXXX & XXXX tax years. 

Hence, we submitted all the required and necessary documents to the three credit bureaus ( ie. XXXX, XXXX, and Experian ) and requested for them to place a security freeze on our credit accounts in XXXX XXXX. XXXX and XXXX immediately complied, however, Experian did not. 

Subsequently, I resubmitted my request along with the necessary documentations two more times in XXXX and XXXX of XXXX. Unfortunately, each time Experian continued to deny my request even though it approved my wife 's security freeze request on the third attempt. Instead, they placed a 7-year fraud alert on my account. 

Experian claimed that they were unable to honor my request for security freeze because I " did not meet ( their ) criteria for a valid identity theft report ''. I am puzzled with their response when my social security number ( ie. tax id number ) was clearly compromised.
Product: Debt collection

I went to XXXX XXXX  Medical Center onXX/XX/XXXX I was billed XX/XX/XXXX and a check was written out to the hospital on XX/XX/XXXX and I do have a copy of that check. After I paid the bill I continued to receive collections notices of the same amount from Transworld Systems Incorporated. They clearly believed that I still owed the already-paid debt so I decided to call Transworld Systems Inc., unfortunately I did not keep track of those dates but I called several times. Someone eventually called me back to say the debt that was already paid would be resolved. I decided to send them a letter and proof of payment this was sent on XX/XX/XXXX. As of todayXX/XX/XXXX they still have the debt of {$120.00} as still owed, even though it was already paid. I would just like to know when this will cleared if ever? I was notified by my bank sometime in late XX/XX/XXXXthat the so-called debt of {$120.00} was bringing down my credit score. I do not know what else to do at this point. I have all my papers, bills and a copy of the check that was maid out to the hospital.
Product: Credit card

I checked my credit score on XXXX and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on XXXX XXXX I made my last payment.. 
I had a balance of almost {$5000.00} in XXXX XXXX, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of {$380.00} a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automatically from my bank account every month. I open a dispute on XXXX to verify that, but nothing happen.. My credit still bad because of that..