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 {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, 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. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


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

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

An ex-partner who gained access to my safe, has used discreet information to access information and disrupted the payments on the mortgage account. The account is in my name only, and the property on which the mortgage is liened is in litigation. This 3rd party is accessing the account as me and has performed fraudulent activity at various times. These activities ( telephone records and correspondence ) have been requested by me from the Lienholder, but these requests have not been responded to in over 2 weeks. 
I have attempted to have the lienholder change the account number so this 3rd party can not interrupt the account but, the lienholder states that they can not change the mortgage account number! 

I have no confidence that the actions that the bank has directed me to perform will have any impact ( change account password and ID ), as this does not preclude the 3rd party from accessing information and acting upon the account at a local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. I am questioning the bureaus ' capacity in regards with my concern. Please do a re-investigation on this. Below is the account that's still reporting on my report : XXXX XXXX Balance {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 late payments on my credit that are incorrect. I have 2 late payments from XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX. I have 1 late payment from BARCLAYS BANK DELAWAREXXXX. These are incorrect and the bank companies told me it has been removed. It still shows on my credit report as a late payment.
Product: Credit card or prepaid card

This is regarding my Citibanks credit card ( Card number ending with XXXX ). 

I purchased an Air ticket for 3 travelers ( Myself, my wife and my daughter ) from XXXX XXXX on XX/XX/XXXX. 

'XXXX XXXX ' issued me 3 ticket numbers ( for 3 travelers ) under a single PNR. The entire transaction amount were split into 3 transactions ( for 3 ticket numbers ).

I disputed all 3 transactions with Citibank on XX/XX/XXXX as 'XXXX XXXX ' did not allow us to travel on their flight even though we had proper documentations, passport, visa.

Citibank created following 3 dispute case numbers for three transactions and asked me to provide supporting documents. 
Case # XXXX Case # XXXX Case # XXXX I provided supporting documents for all 3 disputes on XX/XX/XXXX and I clearly explained to Citibank that all 3 disputes are related to same incident ( under a single air ticket PNR ) and should be looked into and processed together. 

Citibank started processing the disputes and I was communicated on XX/XX/ that Dispute XXXX was resolved in my favor and a Permanent credit was applied to my card. 

On the same day, Citibank commutated to me that other two disputes ( XXXX and XXXX ) were resolved in merchant favor as Citibank did not receive the supporting documents from me within the timeframe. 

I contacted Citibank multiple times and explained that I provided supporting documents for all 3 disputes on same day- XX/XX/ ( and I have the proofs ). So it was Citibanks negligent act in processing other two disputes ( XXXX and XXXX ) on timely manner which resulted the disputes in merchant favor. 

Since one dispute ( out of 3 ) was resolved in my favor and all 3 disputes were related to same incident ( under a single air ticket PNR ), it proves that all my 3 disputes were valid and we had proper documentations, passport, visa.

I requested Citibank to reopen other two disputes since it was not my fault, rather it was Citibanks negligence that they ignored my supporting documents for those two disputes ( XXXX and XXXX ). 

I made multiple attempts and request to Citibank either to reopen the disputes or credit the disputed amount to my credit card account. But Citibank did not honor my request. 

Hence I am seeking permanent credit ( Total = {$1700.00} ) for the two disputed disputes from Citibank. 

Disputed amount for XXXX = {$880.00} Disputed amount for XXXX = {$880.00} Total = {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX  XXXX BANK NA ACCT # XXXX XXXX XXXX ACCT # XXXX SELF XXXX BA ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX/ ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX JEWELERS ACCT XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXXXXXX XXXX COLLECTION SERV ACCT # XXXX XXXX XXXX ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

This is a student loan account. All student loans by government in order are to be in automatic forbearance/deferred whatever you want to call until XX/XX/XXXX. 
Nel Net has been wrongfully reporting my payments as late.
Product: Credit card or prepaid card

My due date was changed last year and I have tried since about last XXXX to get the date changed to a later date due to only receiving one check a month and they have not changed it yet they are attempting to charge late fees how to fix this
Product: Money transfer, virtual currency, or money service

I used my Capital One Bank account to send XXXX payments to someone who scammed me. I sent 3 transactions in the following amounts using XXXX which was connected to my checking account : {$300.00} on XXXX {$360.00} on XXXX {$300.00} on XXXX  Capital One Case Numbers : Case # : XXXX Case # : XXXX Case # : XXXX I sent these payments to someone who scammed me : XXXX XXXX, who goes by XXXX XXXX on XXXX, advertises that he sells authentic name brand sneakers. He takes your money and sends fake/unauthentic sneakers and also does not send you any merchandise you paid for. I was sent 1 pair of fake sneakers and I paid for 3 pairs of real sneakers. 

Upon learning that I was defrauded, I contacted XXXX and they advised me that I needed to file a claim with my bank, Capital One. I immediately contacted Capital One and I filed a fraud complaint to get my money back. I sent them all supporting evidence via email, to assist with the investigation. I followed up countless times by phone call and they never investigated this matter properly. They denied the claim, stating : The payment was processed according to your payment instructions. Yes, I did instruct this payment, but this was under the false pretense that I was paying for authentic merchandise and merchandise I would actually get. I did not know that my hard earned money would be scammed by someone like that because I would have never sent any money via XXXX if I knew this person was a scammer and that he would take my money and not send me my merchandise or send me a fake pair of sneakers. I sent all supporting evidence to Capital One via XXXX and they never once helped me or investigated this matter in the right manner. 

I would call Capital One to check on the claim status, and I would be connected to a rep who did not understand what I was saying and would give me misleading and inaccurate information about the claim status, stating it was still pending review, when in actuality they denied the claim. I had to escalate to speak to manger countless occasions. I would call to follow up and they would tell me their system was down and they had no way to check the status. After the initial claims were denied, I called them and they re-opened the claims once more, stating this should be something they can refund because its a scam. However, they never sent me any follow up documentation about the re-opened claims and when I called to ask for a status, they told me they were experiencing system issues. 

This experience was extremely frustrating and hard to communicate with Capital One when the reps did not communicate well. It was difficult to just follow up and they never investigated this properly. The bank failed to protect me as a consumer and failed to return my money after I notified them that I lost this money due to being defrauded/scammed.
Product: Mortgage

Although we have been very responsible with our mortgage of over 15 years -- -with ocwen and XXXX -- -we are still stuck in a punitive mortgage rate of 9 -- 16 % -- -- is there anything you can do to help?
Product: Credit reporting or other personal consumer reports

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1800.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX
Product: Credit card

I was contacted by several fraudulent companies by unsolicited telemarketing phone calls. They all promised me a very profitable online business.They were all offering me related internet business opportunities to work from home. I was sucked in this mess. The charge that I would like your help to dispute is a charge done by XXXX XXXX on XXXX XXXX 2016 of {$3000.00} on my Amex card. They called me and stated that I needed them, and in order of my process with the previously company that I signed up succeed, I needed their services. Nothing was ever done. What it really comes down to is this company scammed me by not providing me the services that I paid for.
Product: Credit card or prepaid card

Requested that a manager calls me back several days ago and left a voice mail with the reconsideration department and no one has given me a call back. constantly being declined credit limit increases with the denial reason, " this account has received too many credit limit increases, '' when only one small increase has been given. the customer service is POOR.
Product: Credit card or prepaid card

Unemployment made two deposits to me. It stated that my banking info was wrong ( it wasnt ) so the money was deposited on a way2go card. I never received a card and I can not get a live person to talk to at the way2go card. No number or option is available or email address. I need to get in touch with them for the state of Tennessee. I have contacted the unemployment office in XXXX but they can not help with the way2go card. I have contacted the bank that backs the way2go program and I was told they only provided the plastic for the card.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The consumer is reporting that my auto loan is charged off/written off/profit loss but wont send me a 1099-C. The balance is also showing on m credit.
Product: Debt collection

On XX/XX/XXXX, I checked my credit scores, as I usually do on XXXX XXXX. On my XXXX  score, it showed a decrease of 35 points. The Enhanced Recovery Company, formally XXXX XXXX XXXX, says I owe them {$1100.00}. I have never in my life, had any connection with them. The comments stated on my report states that the account was opened XX/XX/2020. I'm requesting that this error be taken off of my credit report as I have had no affiliation with this company as an entirety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This complaint to the CFPB is being submitted to request that Equifax XXXX as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within XXXX business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX - XXXX These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my XXXX credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade Commission. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX XXXX5 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 4.Account Name : XXXX XXXXXXXX Account Number : ending in 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 instruction 5.Account Name : XXXX Account Number : 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: Checking or savings account

Original payday is on XX/XX/year>, XXXX XXXX failed to notify customers of issues in regards to receiving deposits. Millions have no access to their funds and Ive payments to be returned and received late fees in the mist of this issue.
Product: Debt collection

They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it.
Product: Credit card

I had my XXXX XXXX XXXX XXXXXXXX. We don't have a money at the momment. The XXXX XXXX dirrected us to the care credit. 

When we call care credit the lady said it will only be 2 years to pay at XXXX $ a month. So we agree on the terms by phone. 

Today when I look at my credit report I saw a sudden increase on the amount I owe on Synchrony Bank. 

So I investigate and log in to an account that I havent access for a long time. So for the amount {$15000.00} we borrowed 2 years ago they charge us {$8100.00} because they said the promo expired. 

When I look at my account to see the details.We have been only being charge for the minimum for the passed years.The bank supposed to deduct on our account the amount that will prevent us form paying an almost 26.99 % interest. No, they dedduct to our account the minimum. So my debt from {$7000.00} went up to {$14000.00}. 

What I also understand is that when the promo expires, is when they gon na start charging interest for the coming month/years. I didn't know that they are going to back charge all the interest from the past years.
Product: Credit card

On XX/XX/year> We checked in XXXX XXXX XXXX XXXX.They charged us {$200.00} for our service dog.They didn't let us change the room after we're been told current policy fee was on every animal the room we are right now. Disputed by citi but failed.
Product: Credit card or prepaid card

I have been diligently working with Kohls/CapOne to increase my Kohls credit card limit for the last 5 months. Each month I receive the same run around with them claiming they can not access my credit reports. They claim they are locked, have fraud alerts and so on. They have had me contact XXXX, XXXX and XXXX on multiple occasions. Each time I do, the credit bureaus inform me the problem is not on their end. Certified letters have changed hands and multiple supervisors/managers have been consulted. The credit department at Kohls has been anything but helpful. They always tell me it is not their fault and it's all computer generated. I have had enough of their run around. So today, XX/XX/2019 I call because I received another letter from them telling me to call to verify additional information so they could process my request. This letter comes a couple times a month and always results in me spending hours on the phone with countless people who have no idea or desire to do their job. Today was spent talking with XXXX and then her Manager XXXX in the credit department at Kohls. XXXX states he has been with Kohls for 13 years and has never seen anything like this before. XXXX could not seem to understand that XXXX shows that Kohls/CapOne obtained a full credit report on XX/XX/2019, some 11 days ago. XXXX did not see that in his system and XXXX was unwilling to accept that I was tell him the truth, despite my willingness to send him the screenshots from XXXX via email. XXXX is a XXXX who lacks passion for his job. XXXX is the reason I am finally escalating this issue to CFPB. Please help me force Kohls/CapOne to do their job and properly process my credit limit increase request.
Product: Money transfer, virtual currency, or money service

money was stolen and not refunded and they closed my account when i asked for investigation of the money being stolen from my account. 
XXXX on XX/XX/scrub> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the  original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time XXXX  has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.