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 {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}. 
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 {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

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

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

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has repeatedly violated my federal protected consumer rights by publishing negative information on my account.
Product: Debt collection

XXXX XXXX XXXX XXXX has been trying to collect a hospital bill from XXXX XXXX XXXX from me. This debt was reported to the credit agencies and ruined my credit. My credit score went down due to this. We disputed the debt with XXXX XXXX XXXX XXXX and the credit agencies. It was not removed from my credit record and still shows up. 

We requested a copy of the bill since I have never been a patient at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent a patient agreement to me. This agreement does not have my name or signature anywhere on it. The patient is clearly not me. I have never been a patient at the mentioned hospital nor have ever entered into any financial agreements with said hospital. 

I have told them and the credit reporting agencies that this wasn't me or my debt numerous times and they will not take off of my credit report and are still trying to collect this invalid debt. 

Reporting this information that they know to be inaccurate violates the Fair Credit Reporting Act and their actions are to the point of being abusive.
Product: Credit reporting or other personal consumer reports

ive been working in XXXX for 5 years i came back and i found these accounts this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under XXXX XXXX XXXX section XXXX, states i have the right to privacy, XXXX XXXX XXXX section XXXX section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. under XXXX XXXX XXXX, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i ve been living oXXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I attempted a rent payment of {$1100.00} on XX/XX/XXXX through the Bilt Rewards portal that they provided a routing number and account number with a linked credit card for those landlords or properties not within their network. I contacted Bilt Rewards on XX/XX/XXXX on why a transaction has not been posted. The customer service representative a told me that transaction take 1-3 days to post. Told me to contact my bank. I contacted XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and they told me no transaction has gone through. I contact Bilt Rewards a second time on XX/XX/XXXX, after contacting my landlord saying a payment was posted but a transaction did not go through, and Bilt Rewards claimed I did not use their portal to make a rent payment. After various emails with multiple individuals, XXXX wanted a screen shot of my rent payment. I provided it to them. Then XXXX and others made many accusations that I didnt use their portal. I made a second payment through them on XX/XX/XXXX. They continue to claim Im not using their rental portal and they wanted a screen shot of the XXXX payment made on XX/XX/XXXX and I refused.
Product: Credit card or prepaid card

While XXXX I provided someone with POA, this person opened numerous accounts to include XXXX, XXXX XXXX, XXXX, and Discover  to name a few. I have provided all of these companies with the original power of attorney, the notarized statement from the individual admitting to opening these accounts, which list these companies by name. I have also put Discover in direct communication with senior military personnel located at the Pentagon to validate I was out of the country at the time since I am legally unable to provide a copy of the title 50 orders. XXXX XXXX, and the XXXX both conducted investigations and was able to completely remove the accounts. XXXX is requesting a police report, and Discover is now saying that because the card was used, it is deemed valid. 

DISCOVER, has previously claimed to conduct investigations which consist of : Obtaining XXXX XXXX via the XXXX website ( Which does NOT provide Title 50 orders. However senior officials validated the dates of overseas service ) : Retrieving online application data, : Reviewing financial transactions on numerous occasions, Discover has deemed this account valid despite all the provided documentation. Not once during the investigation was I contacted to obtain additional information, had I not asked one of the females, what information do they deem insufficient I would have never known they were looking to validate XXXX history, which I was able to offer them. The lack of communication throughout an investigation that impacts my security clearance is troubling. Why am I not made aware of what information is needed from me to prove my innocence? Why is the notarized confession being overlooked? Why is Discover unable to retrieve credit card signature, surveillance footage from one of the businesses during the point of sale like XXXX XXXX to validate I was not the individual using the card. I will NOT STOP requesting this matter be properly investigated.
Product: Credit reporting or other personal consumer reports

This is my THIRD request for information under Title 15 U.S.C 1681i, FCRA 611 ( a ) 6 ( ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ). 
I submitted the first request in response to my dispute submitted via CFPB # XXXX XX/XX/XXXX with the basis of my dispute being that under FCRA 602 I have a right to privacy and under FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

On XX/XX/XXXX I received a response stating that the Trade : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX was verified /updated then I submitted a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA ( 2 ) other times on dates XXXX CFPB # XXXX, XX/XX/XXXX XXXX I received some type of response pertaining to a need for more identification, which I sent each time via USPS regular mail and also uploaded my I.D . But received absolutely NOTHING that remotely resembles what the law requires requires in accordance with : Title 15 U.S.C. Title 1681i, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA 611 ( A7 ).

Therefore, I am unfortunately having to upload my I.D . and Social Security info after doing this a few times already. 

I an also requesting the same information for the THIRD time in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA 611 ( A ) ( 7 ). 

Unfirgunately, I also received another request for I.D . On XX/XX/XXXX this is very frustrating!! 

I understand that when submitting my requests your untimely responses requesting my I.D . 
but sending no information that I requested as per the procedures that were used that led you to determine that my dispute be verified/updated, along with the person you spoke to and their name ( s ), telephone number and address could lead to me having to take your agency to court for not providing the information in a timely manner, and I also understand I could receive financial compensation for that violation of not doing what is required by law in 15 days. 

Delete this Trade it is in violation of my privacy, I gave no one written instructions for it to be furnished by your agency on my credit report. 


1 ) XXXX XXXX XXXX  # XXXX.
Product: Checking or savings account

I have been with Navy Federal Credit Union since XXXX. I enrolled in their OOPS program back in XXXX. I have always been charged for overdraft fees. The first transaction would always be {$20.00} and then it would double from there. Ive paid as much as {$80.00} for one transaction. They say that anything over {$5.00}, well be charged a fee for every transaction had no idea that this was illegal. As CFPB mandated, I would like to be compensated for being illegally charged for overdraft fees.
Product: Debt or credit management

Back in 2011 you sign up with law frim do fix your credit they take money from my checking account I had at the time they didnt fix my credit at all
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is there's truly no checks and balance. I have been disputing charges on XXXX XXXX for several years Ranging from Auto loans and credit cards. I have disputed directly as well as with every credit bureau. Latest dispute is XX/XX/2018 Experian should have received. 

I called regarding why on a letter I received from their stating my report started on XX/XX/2018. They stated they need time to process either way the agent stated they already received some replies back that these items disputed the lender reported back to them. So i question how is it the lender is saying the item is mine and NOT required to send proof and they all just take the word for it. When consumers are required to show proof of their entire existence. 

Where is the accountability. When contacting the lender directly they won't speak to you because they have already written the loan off. All while reporting negative or charged off on reports. When can consumers have the ability to have lenders show some accountability.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and TransUnion, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} xxxxxxxx XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} xxxxxxxxxx XXXX This account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

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

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and  I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Product: Debt collection

Starting around early XXXX myself and my boyfriend began receiving calls from a number marked as " Account Services '' on caller ID. Once I understood that they were debt collectors from Trans World Systems Inc I told them to stop calling my boyfriend. They said they would and even put me on hold under the pretence that they were removing his number from my account. They did not stop calling him though and have called him numerous times since then. I am filing a complaint because, according to a representative from the cfpb, who I spoke to on XX/XX/XXXX, they are not allowed to repeatedly call someone other than myself in regards to my debt, especially being that my boyfriend is not related to me or legally bound to me. He and I feel harassed by Trans World Systems Inc 's repeated calls to him. We are also frustrated that they continue to call after I asked them not to and they told me they would. 

Additionally, when I answer calls from this company they quickly transfer me to another call center, and the person who answers there always asks me why I am calling them... this is extremely frustrating as I am routinely transferred around from call center to call center. This business practice makes them come across as scammers and when they first started calling me I was unable to figure out what the call was even about. I was wary to provide them with any of the identifying information they asked for as this business practice seemed suspect and I was concerned about identity theft. This led me to have a prolonged debt, which likely hurt my credit score further and led me to feel afraid and threatened.
Product: Mortgage

I received a text message from XXXX XXXX on XXXX XXXX, to " discuss mortgage options ''. I wrote back asking how did you get my phone number. I wrote, " I do n't know GSF. Are you a mortgage company? Where are you located? 
XXXX XXXX wrote back, '' Did you go anywhere online requesting mortgage info? I 'm physically located in Michigan. But I 'm licensed on a state and federal level in Indiana. Actually do more business there than any other state. GSF Mortgage is a private direct lender. We have an A+ rating with the BBB and have been in the industry for over 20 years, so we made it through the worst of times in the industry. '' On XXXX XXXX, XXXX, we spoke via telephone, I gave XXXX XXXX my social security number, and I informed him that I did not want my credit score to decrease by him looking at it. He stated that he will do it a way where my credit score will not be affected. My credit score did drop my 10 points, after XXXX XXXX looked at my credit score. 
On XXXX XXXX, XXXX XXXX, sent me a email requesting that I submit, my drivers license, social security card, two years of my W2 and tax returns and a month supply of my most recent pay check stubs. I submitted every item to XXXX XXXX via his email with GSF Mortgage, except a month supply of pay check stubs. I sent him a copy of the most recent pay check stub I had available. 
XXXX XXXX wrote back, noting that he needed my signature and my pay check stubs. 
I wrote to XXXX XXXX, informing him that I do not have any pay check stubs and to set up his computer system for signatures. I also requested no fraudulent activities with my personal information. And why he needed a copy of my social security card. 
XXXX XXXX wrote back, noting that Uncle Sam and the Patriot Act request that GSF Mortgage company request a copy of my social security card. I wrote back to him twice, asking for his manager, CEO phone number and address. I have not received GSF CEO phone number and address, nor his manager 's phone number. 
By the way, XXXX XXXX, wrote that I have been approved for a conventional loan, but he wanted all of my documents for the underwriter. 
I have been sickened and worried about my social security card/number and drivers license in the hands of XXXX XXXX, GSF Mortgage company. No company that I have ever worked for, has asked me for a copy of my social security card and drivers license. 
Sincerely
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX Gave me a credit limit increase of {$2000.00} dollars from XXXX I wanted a line of credit with lot more just {$2000.00} dollars They been denying me credit and my son So, I am bringing this to your attention CFPB
Product: Payday loan, title loan, or personal loan

i purchased furniture from XXXX XXXX. The loan amount was for {$3000.00}. I was never explained that American First Finance APR was 144.60 % As of XX/XX/XXXX, i have paid back {$4400.00}. I have called and asked for the disclosure and they did not provide me with it. I have called and complained numerously to the company. American First Finance refuse to help me, instead they kept withdrawing money out of my Bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for because Experian has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. Experian confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Product: Vehicle loan or lease

Ally financial charged off an account, a family member activated and the loan charged off to my credit report as a vehicle loan from [ Ally financial ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft SUNTRUST BK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

I am in the process of buying a home. We are about to close next week. Out of the blue, a collection for a bill 2 years ago, is placed on my credit reports, in the amount of {$210.00}. This caused my score to drop XXXX points. The way they put it on there, damaged it extremely hard. I contacted the company as soon as I saw it, and settled the amount for {$150.00}. Its still on my credit reports. This may cause my mortgage approval to fall through, making me homeless. I have a family, and have no idea what to do. I was NEVER given a letter beforehand to dispute, or even see if the bill is accurate. Please help me. I need this off my credit reports now.
Product: Credit card or prepaid card

There were multiple charges on my card which I disputed with the company and as of today the charges are still being presented. And i was told it can take up to 5 days at first but now I'm told something different.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered a large inaccuracy on my report. Account XXXX with the credit lender XXXX is falsely listed on my report as a charge off. This loan was illegally put into my name and referred to a collections agency. Affirm NO LONGER owns this debt and therefore it should be removed from my report. It is required that all three bureaus have the same, accurate information listed on consumer reports -- this is ONLY listed with Experian and is completely false. I am requesting a COMPLETE investigation into this, including the original contract, PROOF that I received the service, and proof that Affirm still owns this debt. If this can not be provided within the legal time frame of 30 DAYS, this account must be removed from my Experian credit file.
Product: Debt collection

Please research XXXX. This is the agent that XXXX uses that was giving me false information while my home was going into foreclosure. They continued to give me misleading information about my forbearance situation and told me everything was going to be just fine while going through loss/mitigation. All of my phone calls are recorded at XXXX. It seems as if they intentionally were stalling by giving me false information while not communicating with XXXX. I believe there are probably more victims of this situation. If you can contact me, I am at XXXX or XXXX. Thanks, XXXX XXXX