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 of {$11000.00}, {$740.00}. 
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 Landing 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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.
Product: Consumer Loan

Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.
Product: Mortgage

I live in XXXX, Fl our city was affected by the hurricane Irma, my mortgage company Mr Cooper offered us a program of no mortgage payment for up to 6 months without any repercussion and now they tell me that I have {$10000.00} that I have to pay or make a modification for the accumulated payments, I feel deceived and frustrated because they did not explain this they offered a fictitious program because they did not have any program, they decided the program in XX/XX/XXXX 3 months after the hurricane, after they deceived with their supposed help to thousands of people, as dare to play like this with people we are always citizens who lose out with our pocket we are never protected by anyone they are scammers. 

Excuse my frustration
Product: Debt collection

1 ) Recently received debt collection letter from XXXX XXXX XXXX XXXX XXXX , XXXX ; dated XX/XX/2018. Referencing XXXX XXXX Bank Card XXXX XXXX ; Total {$11000.00} ; ref no. XXXX ; current creditor ; XXXX , XXXX 2 ) respondent has not owned a credit card in 10 years ; statute of limitations for Florida and Georgia is 5 years and 6 years respectively. 

3 ) respondent did send out a debt validation letter and cease and desist letter but the company First National Debt Collection Bureau , Inc has no working fax number and has two addresses one in XXXX, NV and another in XXXX, PA. All information on the company is hard to find and most likely old and out dated. A ghost of a company. So I am not sure if my debt validation letter or cease and desist letter will get to their proper destination. 

4 ) I dispute the claimed debt as not verifiable and way beyond any statue of limitations for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX was taken out of my chase account by Bright capital llc which when i signed up for XX/XX/XXXX stated it was only XXXX a month ive emailed Bright capital llc XXXX and also called to request an refund and all i get is an acknowledgement email and when i call all agents are always busy... i just want my money back
Product: Payday loan, title loan, or personal loan

The install plan for Square POS required a credit card on file in which I authorized automatic payments every two weeks for {$140.00}. Instead of using the authorized credit card on file they have illegally obtained my checking account information and are attempting to withdraw {$280.00} every two weeks causing overdraft fees and other problems for me. I never authorized them to withdraw from my checking account, even if I did Ive expressly told them I withdraw authorization and they continue to attempt to withdraw my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Report Act XXXX  account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : U.S. Bankruptcy XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through JPMorgan and chase corporation and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call Chase corporation last week as well as XXXX and the car dealership as well as the XXXX Massachusetts RMV where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on XXXX as myself for the policy holder as well as student loans and mortgages show up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to XXXX to cash a settlement check for {$1300.00} made payable to me. I was denied by a credit reporting agency called, Certegy Check Services XXXX XXXX ( Adverse action ) I have a reference number. 

I never had a problem before cashing a check at XXXX. I don't know this Certegy Check Services. What does cashing a check payable to me have to do with any credit reporting agency? How is this legal? How is this fair? Why do I have to request my file now? How and why does Certegy have a file on me? What does any of this have to do with me cashing a settlement check? 

Why aren't they verifying that the check is good?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made by XXXX XXXX that I have no recollection of authorizing. 

The following are the dates and inquiries in question : XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I demand that these unauthorized inquiries be removed from my credit report immediately. I have no affiliation or business dealings with XXXX XXXX, and I have no knowledge of any credit applications made through them. 

Furthermore, I noticed that there are two inaccurate accounts listed on my credit report, one with XXXX XXXX XXXX and the other with XXXX XXXX XXXX  I was surprised to see that you were able to verify these accounts even though other bureaus have removed them due to their inaccuracy. 

The following are the account details in question : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I demand that these inaccurate accounts be deleted immediately from my credit report. 

I urge you to investigate these disputes as soon as possible and make the necessary corrections. Please inform me of the progress and outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX  fuel card was used in another state ( AZ ) while the card was in our possession and we have transactions to prove that we where in Missouri on the same day. Fraudulent charges totaled XXXX $ and XXXX XXXX said that I'm not covered under their card agreement.
Product: Debt collection

The phone comes up on my caller ID as Convergent. I saw they had called me a couple of times in a day and I went and looked them up. I found that they were a supposed debt collection agency. Most of the information I found lead to me doubting their authenticity. Since then, they have been calling me everyday, once in the morning and once in the afternoon. This has been going on for a little over two weeks ( since the beginning of XXXX ). I am up to date with all my payments, I have never had a late payment, and the medical bills Ive had I had set up payment plans and have payed them off on time. Therefore, there is no possibility of being called by any debt collector. I have an impecable credit history so i very much hope that these false claims stop and do not affect it.
Product: Money transfer, virtual currency, or money service

Hi, My account is blocked due to identity verification which not allows me to sell or buy any virtual currency. I can not do anything on my account on coinbase since it keeps asking me to verify my identification. I already submitted my driver license and it got accepted. However, coinbase still requires me to complete the personal information which I had tried to complete with my information but it kept saying that " could n't verify my account, try again in the next 24 hours ''. Also, the quiz question made no sense and not related with me. For example, the quiz gave me a list of cities and asked me what city that had XXXX XXXX How do I suppose to know what city has XXXX XXXX? And why coinbase used this kind of question to verify my identification when there was nothing relate with me. And since coinbase kept asking me to try again in the next 24 hours ; in another word, coinbase locked me from performing any activities on my account, including but not limited to, selling, buying, withdrawing, etc. I currently have {$6500.00} in the account and all I want is my money back. I do n't want to do business with Coinbase anymore. Please help me! {$6500.00} is a big money for me, I just want my money to pay for my tuition fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I demand that my credit reports reflect accurately. And it has not with, with Sezzle. I opened the account in XXXX, my payments on time with any issues until I disputed a charge earlier this year. My credit limit at the time was XXXX. Sezzle no longer allowed me to make any purchases with my limits despite having a perfect payment history which in turns violates my rights as a federally protected consumer according to section 623 ( 15 U.S. Code 1681s-2 ( a ) ( 8 ) ) of the Fair Credit Reporting Act. I paid off and close the account which still has not not been accurately reported since XX/XX/XXXX. I demand that my reports with all three bureaus be updated immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Vehicle loan or lease

The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX   me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX  and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Tree, a fraudulent company runs credit reports on individuals without their knowledge. This has been happening a lot lately to me and Lending Tree is the main culprit. I guess they are the hub for other lenders. However, numerous institutions are showing up on my credit report for which I have not applied for a loan or anything else. 
This happened just recently about 2 weeks ago. I have tried to contact Lending Tree ; I called them numerous times ( XXXX ) XXXX and waited on the phone for over an hour. Each time the call would drop and was never able to reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that was opened without my knowledge, consent, or authority within 4 business days XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Ive requested Multiple times for transunion to dispute each inquiry and I get some generic response like I dont know what an inquiry is and asking me to call each company! Its not my Job. Thats what the credit union dispute department is there for! Thats what they get paid to do! I have the right to dispute each inquiry and these generic lazy responses show the people at transunion dont want to do their job and that violates the fair credit reporting act!
Product: Mortgage

Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. 

We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. 
While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.
Product: Credit card or prepaid card

Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Product: Debt collection

These people have been harassing me and Ive sent them several letters asking them to validate this debt and they have not sent in anything. Ive disputed it several times and keep coming back verified. Im asking them to remove this immediately.
Product: Debt collection

I have asked the pay day loan Comapany many times to stop calling my work my phone or me. They keep calling daily. They called my work. After I asked them to stop. XXXX the cash store XXXX Texas. She 's rude. Does n't listen. I want it to stop.
Product: Credit card or prepaid card

I had a job then caught XXXX XXXX and lost the job and that is why rhe card was not paid for awhile. Just recently a week or two ago I paid XXXX dollars toward said capital one XXXX and it still says I owe XXXX and I should only owe XXXX. I attached a picture of the account and the remaining balance is only XXXX dollars not XXXX dollars.
Product: Debt collection

I received a copy of my credit report and found a few accounts from Capital One with different account numbers and different dollar amount that I owe. I have never had an account with Capital One. I spoke to the customer relation department without any luck, I was told they would get back to me. No one from Capital One has called me back. I have reached out to them 5 times. Please help.
Product: Credit reporting or other personal consumer reports

Transunion is the only bureau that hasnt updated my XXXX XXXX charge off settlement. It still appears as if I owe {$180.00} and has not been updated to {$0.00} balance and paid in full for less then full amount.
Product: Prepaid card

My direct.depoait is missing as it should have deposited on friday, XXXX XXXX 2015. As of this morning still nothing. My employer ca n't reissue a check until they get a rejection notice from rushcard so until I 'm BROKE ... no one to borrow money from ... car payment needs to be paid ... .rent needs to be paid ... .other bills need to be paid ... ..unable to ... .what 's crazy is that people I work with received their money but me I 'm still waiting ... .please do something about this
Product: Credit reporting or other personal consumer reports

I have account thats closed and ask them to remove them but they never removed the accounts.