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 {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account.
Product: Checking or savings account

Im XXXX yrs old and I was trying to help my kids financially. They thought my kids were taking advantage of me so they locked up my account and sent APS to my sons house where I live. We live far away from Navy Federal Credit Union so I cant go into a branch. My daughter in-law has tried to send what they are requesting in writing through fax, text and emails but they keep saying they arent receiving them. We only have our phones and laptop to work with and not that bright when it comes to a computer. Can you help us I have attempted to send these files to them 10 times from XXXX
Product: Debt collection

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus.

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX First time contacting this agency was XX/XX/XXXX. They sent me a print out but no signature. 

The latest letter I sent was on XX/XX/XXXX.
Product: Credit card or prepaid card

We cashed a check at a check cashing place who had to put most of our money on a prepaid Netspend card. No issues at first until they put a hold on our card. We called and asked why. We were told the hold was placed due to my wife having a balance of XXXX with netspend years ago or so. She agreed to pay the {$100.00} and we were told the card would be usable again in 24 hours. Its been XXXX hours. They are holding over {$8000.00} due to {$100.00} balance that, again we agreed to pay. 
We have been hung up on. Ignored. Lied to repeatedly. To hold {$8000.00} hostage over {$100.00} debt that was taken out already should be investigated. We still have no details on where the {$100.00} hold could come from. We have nothing not even an explanation.

Please help stop this from happening to the next person
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/18 to dispute inaccuracies in my credit file. XXXX XXXX XXXX  XXXX reported to TransUnion on XX/XX/18 that my account balance was {$240.00} and my new credit limit is {$1700.00} with a utilization of 14 % and an overall credit card utilization of 22 % but TransUnion displays old information from XX/XX/18, TransUnion currently displays that my XXXX XXXX XXXX  XXXX credit card has a balance of {$560.00} and the old limit of {$750.00}, TransUnion did this out of spite because I am suing them. TransUnion has out dated information in my account to make me look like Im irresponsible with money when in actuality Ive been great with money, I paid my balances down and received a credit limit increase from XXXX XXXX XXXX  XXXX but that is a problem for TransUnion because they intentionally try to make Credit worthy individuals look like theyre irresponsible and less than they are. A supervisor said she would investigate the matter and make it right but I havent heard from her since I first talked to her. Now every time I call the reps hang up in my face. I uploaded my current XXXX XXXX XXXX  statement as irrefutable proof that TransUnion has inaccurate outdated information in my credit file.
Product: Credit reporting

I paid off Navy Federal on a settlement. They have sent me documentation that I owe nothing more and I even filed a XXXX to pay taxes on the amount I did not pay during the settlement. It is still on XXXX and XXXX and needs to be taken off immediately. I have called several times and I keep getting the same answer that they will resubmit. It has been over a year now and it 's affecting my ability to buy a house.
Product: Money transfer, virtual currency, or money service

I went to try to load money on my cash app card on XX/XX/year> and I noticed on my app, the deposit cash button was gone. I then contacted cash app support on XX/XX/year> and tried to find out why. They said it was some update in the system and some people were XXXX of it and some weren't. This is one of the biggest reasons that I and alot if people use cash app. I have tried to call support and ask them. They also said they can not tell me why I was XXXX of that feature. I have had my support app chat eneded by support because they refuse to give me any explanation on why it's gone.
Product: Checking or savings account

On Thursday XX/XX/2018 I recieved a text alert that my bank account went below XXXX. I checked my account and XXXX XXXX in XXXX XXXX, AL took out {$910.00}. I live in Pennsylvania. I immediately called my bank and cancelled my card, filed a police report, and a formal complaint with XXXX XXXX. I found out the next day that several other people in town had something similar happen to them. Their banks all put the money back in to their accounts with the understanding that if it turned out not to be fraud they would take the money back out. My bank, First National Bank ( FNB ), said they can not do that until after the investigation is complete whether that be a few days, weeks, or months. I explained to them, why would you want all my checks and other bills to bounce on the account and then rack up a bunch of overdraft fees. For example, if my mortgage came out and bounced, it would be a {$37.00} fee, then that fee doubles every 3 days. This would the case with each overdrafted transaction. Then when I got paid the following Friday, they would take the money from that check deposit to pay the fees, thus putting me back not only over {$900.00}, but also the several XXXX dollars of fees that would have built up by then. I spoke with 5 people in the company, I have 3 names, a XXXX, XXXX, and XXXX. XXXX was the only polite one. They all agreed they did not agree with FNB stance on Fraud charges. However, refused to help me get my money put back. Instead I had to empty out my savings and max out my credit line ( thus affecting my credit score ) and borrow money from a family member to get my account just enough to cover the checks that were already out, so that they would not bounce and I would not be behind EVEN more with my finances. This is such an unprofessional way to help someone who was clearly hit with fraud and I was not the only one effected by the same debit card hack. I spoke with a lawyer and she said that FNB is infamous for how difficult they are to deal with and help you when money is taken from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed reinsertion letters to XXXX, Equifax & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, Equifax & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

Fraudulent charges were made on my credit card. I contacted the credit card company, which closed the account and sent me a new card. The company determined the charges were fraudulent and took them off my statement, but an additional fraudulent charge was made on the new account. I contacted the company and this charge was also determined by them to be fraudulent and taken off the statement. The problem is that they charged me late fees for not paying the fraudulent charges. I have contacted them and asked them to remove the late fees. I can not find any language in my credit agreement that allows them to impose late fees on me for fraudulent charges to my account. They have acknowledged receipt of my complaint and assure me that it will be resolved yet they just imposed an additional late fee. My bill now totals {$XXXX}.
Product: Credit reporting or other personal consumer reports

I check my credit report on XX/XX/year> and noticed wrong information who dont belong to me.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I sent a letter asking them to reinvestigate these accounts listed belowXXXX XXXX XXXX  Original creditor name Open balance XXXX $ XXXX XXXX XXXX XXXX XXXX creditor name Open balance XXXX $ XXXX XXXX XXXX XXXX XXXX creditor name Open balance XXXX XXXXThey have not responded to me
Product: Student loan

I've emailed MOHELA, my loan servicer, twice and received no reply. The first was on XX/XX/2022. I don't remember the date for the second email. 

On XX/XX/2022 I called MOHELA at XXXX XXXX. The automated system told me my wait time was 114 minutes. I stayed on hold for nearly eight hours before I was hung up on.
Product: Checking or savings account

On XX/XX/2019, I attempted to open a savings/CD account with the XXXX NV branch of Navy Federal Credit Union. As we met with the Service Rep XXXX, she asked for my social security number within in ear shot of another member conducting business with the Senior Service Manager nearby. I told her I was uncomfortable with saying it so I wrote it down and handed it to her. XXXX typed the information into the computer and printed out documents. As this happened, the Senior Service Manager handed a stack of documents to the nearby customer and he walked out. XXXX then went to the printer which was now empty, she asked her coworker/Senior Service Manager if he had seen the documents that XXXX had printed for my account. The Senior Service Manager informed her that he had given the documents in the printer to the previous member. XXXX was unhappy with this but proceeded to print out new documents for me to continue opening my account. When she handed us the second document, my wife noticed that the document was pre-filled with my name, birthday, social security number, and access number. I asked XXXX if that was the document the Sr Service Manager had given to the other member. She confirmed it was, but claimed it was blank. I told her to talk her Senior Service Manager and she called him over, I asked if he had given my information to the other member and he denied it. He claimed it was a blank copy. I asked why he gave a blank copy to the other member and he had no answer. At that point I cancelled my signup and informed the branch manager ( XXXX ) about what had happened, and she also had no answer as to why the Sr Service Manager would give blank documents to the member if he had verified them all as he claimed. Again she had no answer, but she said she would call the other member and see if he had received any extra documents. I told her I was unhappy that I had come in to sign up for service and I am now worried my information is compromised. I asked her to send someone to contact the member and retrieve the documents and she refused. I called Navy Federal customer service to file a complaint, they repeatedly me told me that the complaint would be filed with the branch manager XXXX, who had already refused my request to retrieve the documents.
Product: Mortgage

I have been trying to improve my credit which dropped while waiting for the federal to pay me it took a year to get social security XXXX and took two years to get my XXXX retire which cut my income to forty percent of what is was. I have had severe medical issue which do not allow me to work. that is just a little back round my question is how and why is there such a discrepancy of numbers. I am trying to buy a house thru VA and i have been checking my credit diligently. My Experian number that i get thru my XXXX XXXX XXXX XXXX which i pulled on XXXX was XXXX but the number there credit company pulled onXXXX was XXXX i do not understand how there can be the big of difference.my XXXX number were XXXX report XXXX then the mortgage report is XXXX onXX/XX/XXXX. Then my XXXX  score on XXXX was XXXX and on the report XXXX was XXXX. I called the Mortgage company to ask them to explain why the difference is so great there answer is I do not know i explained my situation they said the only way to help was to pull credit. Then they pull the credit and tell me to try again in six months which puts another mark on my credit. this was XXXX XXXX who i was dealing with. Next i called the company who did the report to ask for help understanding the differences in the report. they say there is nothing they can do. This was XXXX XXXX and XXXX acquisitions. I have been working on this credit for four years At my low i was XXXX because I had to voluntarily return vehicles because of lack of pay. My wife and i have had exceptional payment history for three plus years including exception rent history. So i need help with being protected against in accurate information being posted. We are getting free credit report and checking credit daily are credit shows that we qualify for the nymbers required. these company say let us pull your credit so we can help but never fulfilled the action offered. I explained this ahead of time but they still run your credit so now have more inquiries and credit goes down.
Product: Vehicle loan or lease

I have an account reporting on my credit report that does not belong to me I have sent GM Financial letters requesting removal and they refuse to adhere to the laws they are required to follow. Not only have I never driven this car, the criminal that took this loan out missed several payments.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Aldous and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason why I am submitting this complaint is because there is a late payment reported on my account on XX/XX/2021 and I would like to explain what happened and let you know that this was not my fault, however, my financial life has been a mess since this late payment appeared on my account. 

There was a third-party company that was supposed to make the payments on my behalf. This payment of {$750.00} that was scheduled for XX/XX/2021, didnt get processed due to a glitch in this companys system. I couldnt login to my Nordstrom account to check the payment status. 

I was not aware that the payment didnt go through. In my mind, the payment was on time, as normal. I had the money to pay and I did all that was in my hands to pay on time, but this was something that I could not control. 

When I realized that I was reported late, I decided to contact this company. I am being very affected due to their error. When I contacted them, they apologized and sent me a letter explaining what had happened. By that time, I was already marked as late. 

Please see attached : Letter from third-party company as proof of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in FCRA violation on XXXX XXXX i receive a message from my XXXX  XXXX services that something was remove! XXXX  or Equifax I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the XXXX XXXX XXXX be removed nothing else and Ill be waiting your response I think you
Product: Credit reporting

I 'm a victim of identity theft, the account # XXXX XXXX is a fraudulent account and it was reported to my XXXX credit reports, after I contacted them they removed and deleted it all from my files. A week latter Equifax reported it again.
Product: Checking or savings account

I made a purchase online at a company and never recieved products I filled a dispute and recieved a cancelation email and a refund receipt, I never recieved the refund so I disputed with my card company ( cash app ) and they denied my dispute and sent the money to the company they're refusing to work with me and give me any answers so XXXX XXXX XXXX XXXX by cash app and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 4 weeks ago I realized some erroneous / derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX, and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? 
I had a primary residence for 15years ( XXXX to XXXX ) ; then lived at a friend 's house for 1yr 7mo ; and have been at my current address since XXXX ( 4yrs 5 mo ). This can be substantiated with change of address status thru the USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. 
The companies falsely reporting against me are : XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. I am a navy federal credit union member., on XX/XX/XXXX a total of {$3000.00} was taken from my checking account without my authorization for a navy prepaid go card. On XX/XX/XXXX Navy federal credit union transferred the funds back to my account. On XX/XX/XXXX Navy federal credit union deducted over {$2300.00} from my checking account, and XX/XX/XXXX deposit of {$1300.00} payroll deposit, Navy Federal credit union deducted {$780.00} from my checking account. I was sent a electronic form for an appeal, I faxed the information and was told by a supervisor it was not received on XX/XX/XXXX. Fraud has taken place and I need answers please.