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 {$300.00}.

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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against TRANSUNION regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last XXXX XXXX XXXX My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence.

Thank you for your attention to this matter, and I look forward to your prompt response.XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a phone line account opened with XXXX XXXX on XX/XX/year> under the account number XXXX, a credit card account with XXXX XXXX  on XXXX with account XXXX and fraudulent auto loan account opened with XXXX XXXX XXXX XXXX on XXXX under the account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Here is a list of the hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has res
ulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

On XX/XX/2023, I received a collection letter from MNET Financial LLC. In response, I promptly sent a verification letter via XXXX with certified mail on the same day. However, instead of providing the information requested, MNET Financial LLC sent a fabricated statement dated XX/XX/2023, containing generic information readily available on the internet. This statement did not verify my identity or validate the debt in question. 

MNET Financial LLC failed to fulfill the following obligations : 1. **Written Agreement : ** They did not provide a copy of the original written agreement that established my obligation to pay. 
2. **Billing Statement : ** MNET Financial LLC did not supply the last billing statement from the original creditor. Instead, they created a fictitious one after receiving my verification of debt letter. 
3. **Debt Acquisition Date : ** The date they acquired this debt from the original creditor was not disclosed. 
4. **Debt Due Date and Delinquency : ** They did not specify when the creditor claimed the debt became due or when it became delinquent. 
XXXX. **Collection License : ** MNET Financial LLC did not confirm if they held a valid debt collection license in my state. They omitted providing the license date, number, issuing agency 's name, address, and contact number. 
XXXX. **Licensing Information : ** They refused to acknowledge whether they held a collection license in the jurisdiction they are operating.
Product: Credit card or prepaid card

This is a continuation of the problem from Complaint XXXX. After the company finally determined I was not responsible for the fraud charges, they " supposedly '' adjustment my account, however, as you can see by the documents I have attached in both of my faxes they ADDED the fraud charges back onto my account!! 
Additionally, all of those interest charges they have on my account were calculated based on the balance with the fraud charges. Why would I pay interest on fraud charges. The same for late fees, I made monthly payments however I was told when I initially called in that the late fees would be waived. 

They have now started to call me and email me daily for collections on my late account payment. I am not going to continue to give them money until they clear up the fraud charges. The first step would be to remove them, permanently. Secondly, they need to recalculate my interest, starting with the interest of XXXX on XX/XX/22 ( prior to the fraud, the interest on my balance was XXXX  ). That alone tells you that they are charging me interest on fraud charges. If I pay the amount they say I owe them, I will end up with a credit and at this point, I do not trust them to honor that credit as they have proved to be quite dishonorable.
Product: Credit reporting

I called to find out what was going on with my inquiries because i checked my report and they were gone and then I got a message from my monitoring service that my score had dropped because those inquiries were added back on. I was told there was n't anything that could be done on there end and to contact the creditor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

My boyfriend and I bought furniture from XXXX  with XXXX  card through the store, they went out of business and XXXX  changed the contract without an notice and over charged us and added kate fees when nothing was late. They sold the debt to credit corps solutions. Credit corps solutions then decided to call me multiple times a day threatening legal action and threatening to call my boyfriends job. I asked them to stop calling me after I explained I do not owe anything to them and I am unemployed and a XXXX. They call me multiple times a day even after I said no more contact. They then decided to go forward and call my boyfriends job. Sending me threatening emails and continue calling me with these threats or not speaking.
Product: Credit card or prepaid card

Synchrony did not confirm with me that they moved my account to e-billing.

My wife became XXXX and I was in the XXXX with her for almost a month. My wife almost XXXX  from a severe case of XXXX caused by an unknown XXXX.

After returning from the XXXX, I quickly got our finances in order.

I found out a few months later I had a balance on a synchrony account I opened and they reported the balance late. I asked why the billing was done digitally and the representative told me I consented. I asked for proof which they couldnt provide.

I was close to closing the account but realized I had established cash rewards which the rep threatened that if I closed the account, I would lose all the cash rewards.

I paid the balance and after a long XXXX XXXX, finally emailed the office of the president. They insisted they wanted to address the matter and asked I call them. I tried calling multiple times and emailing, but after a few emails of acting like they would reconcile the matter, they stopped responding and never replied to my calls and emails.

To this day, it is the only negative mark on my credit. Not only did I not give consent to the e-statements but they used the cash rewards to threaten me to not close the account.
Product: Checking or savings account

I am not a BofA customer. 
I received 4 emails from what I believe to be spam, but I am not sure, the phone number is XXXX and listed in the email. The emails knew my full name and email address. 

I called BofA to confirm that I am not a customer and there was nobody opening an account in my name but there is no number to find for fraud nor was I able to speak with any customer service rep for BofA. 

I googled the phone number and this seems to be an issue and I want it to be known that I am not a BofA customer and if BofA has allowed someone to setup an account in my name I will be forced to legal action. 

Basically is BofA wasnt corrupt and had a decent customer service department, this would've been handled.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened an Delta AMEX card to book a flight. When the instant account number page was opened, the screen timed out and I was unable to receive this number to pay my flight ( THE WHOLE PURPOSE OF THE CARD ). 

I talked to 3 representatives. The first one told me to wait a few hours ( I did and chatted back ). 

The second, XXXX, told me to wait 24 hours to get my card number. HE ALSO gave me someone else 's account information, i will paste the chat here. What a freaking security hazzard. 

You - XX/XX/XXXX XXXX XXXX Please chat with us in next 24 hours. We will let you know if instant account number is available on gold delta card or not XXXX - XX/XX/XXXX XXXX XXXX We are all set no XXXX - XX/XX/XXXX XXXX XXXX  now XXXX - XX/XX/XXXX XXXX XXXX Your user id XXXX password is XXXX XXXX - XX/XX/XXXX XXXX XXXX What is this for? 
You - XX/XX/XXXX XXXXXXXX XXXX Please disregard may last statement XXXX - XX/XX/XXXX XXXX XXXX Yikes.. what a security You - XX/XX/XXXX XXXX XXXX   XXXX, please ignore it. It is not for you. 
XXXX - XX/XX/XXXX XXXX XXXX It's actually concerning that they would share someone's login credentials with me. 

I chat today with XXXX and he told me he can not give me the my account information. Not only am I am unable to book my flight with the card I opened, I am constantly given false information by back to back representatives.
Product: Debt collection

A company named Credit Corp Solutions XXXX Tasman Credit Corp is trying to collect an old installment line of credit that I previously settled in full with XXXX XXXX XXXX. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXXredit Corp Solutions XXXX Tasman Credit Corp stating that XXXX XXXX sold the account to them for collections for an amount of {$2600.00}. Even after providing them with the original email stating the account was settled in full, they continue to tell me I owe it. I am concerned that it will harm by credit score that I've worked hard to repair.
Product: Credit card

I have exhausted all efforts to receive help with AAFEs Military STAR Rewards Program. Their terms and conditions for Automatic Rewards Distribution Process are in summary : The holder of the STAR card must be in Good Standings, which means the Account is not closed, bankrupt, charged off, blocked deceased, on a fixed payment plan, blocked when check writing privileges are revoked, over the credit line, or delinquent. Automatic Rewards Distribution Process in summary means once you accumulate the required number of points, the organization will automatically email you a Military Star reward card in {$20.00} increments. A current valid email is required on your account for the card holder to receive his/her rewards. Further the account must be in good standing to redeem his/her points. I meet and exceed all conditions for Good Standing.

At present STAR Card/AAFEs indicate I have accumulated over XXXX points. They are indicated the XXXX points have been processed and disbursed. This is not true ; I have not received any disbursement. When I communicate with the Credit Card Program-Operations to resolve, their consistent reply by voice and email is that my email on my AFFEs Exchange STAR credit card is non-valid. My efforts to resolve : 1. I contacted the Credit Card Program-Operations prior XXXX XX/XX/2024. I received a rude response from a Team Leader telling me she was a trained Team Leader, well trained and told me the solution was to change my email address and update my email address on the STAR website. I responded that her solution to my problem made no human or automated sense. I have previously explained that my email is valid. I received payment alerts, payment receive, statement ready, spending alerts, card was not present from AFFEs. I double checked that all domains are on my safe sender list and verified with my provider, XXXX, XXXXXXXX XXXX, and I had XXXX XXXX XXXX check to see if all domains were entered as a safe sender. Next, I called XXXX, my internet provider, to double check all junk, spam, etc. There is no indication that they did deliver my digital rewards. 
2. As a reminder 4 month ago, I was receiving my Card Redemption Rewards from XXXX. After that period of time, the Military Star Redemption ceased, with notification that my email XXXX was non-valid. 
3. On XXXX XX/XX/XXXX, XXXX sent my a message that there seems to be an issue with the email from XXXX 4. From XXXX XX/XX/XXXX to present numerous emails were sent to the XXXX XXXX XXXX XXXX name of individuals withheld ) with a message sent to me on XXXX XX/XX/XXXX that my Digital Rewards Card was deemed undeliverable. They want me to supply and update my account with another valid email address. The XXXX XXXX XXXX said that is the solution. It makes no sense when I have verified to all AFFEs departments and Military Accounts that my current is valid and verified by my Provider Experts. The AFFEs Exchange Credit Program has ignored all aspects of my case explaining the only solution is to vacate my current valid email address and submit another email address.
Product: Credit card

In XXXX of 2016 I added a charge of approximately {$600.00} to my Wells Fargo XXXX XXXX credit card. This amount qualified for a 0 % finance charge if paid within 6 months. In XXXX we called the company to ask how we could be sure the new charge would be paid in full since the increased minimum payment amount would not fully pay off the promotional balance. The representative we spoke to in XXXX said that anything over the minimum amount due that we paid would be applied to the promotional balance. For our XXXX and XXXX payment we paid over {$200.00} more ( combined ) than the minimum due. None of the additional amount applied to the promotional balance. Instead, the amount was applied to the larger balance which is at a promotional 6 % rate, allowing for equal payments over an agreed amount of monthly payments. On Monday, XXXX XXXX we contacted the company with the support of a Wells Fargo personal banker to find out why the payments were not being applied toward the promotional balance. The credit card company 's agent stated that " the law '' required their company to pay off the larger balance with any amount paid over the minimum amount. She also said that there was no way for us to pay off the promotional balance unless 1 ) we paid the full balance on the card in the next 4 months or 2 ) we waited until the final two months of the promotional term and then any additional amount over the minimum due would apply toward the promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX ACCOUNT WAS PLACED ON MY XXXX, EQUIFAX AND XXXX  CREDIT REPORTS I ADMITTEDLY CONTACTED ALL 3 CREDIT BUREAUS AND DISPUTED THE ACCOUNT MAKING EACH AGENCY AWARE THE ACCOUNT WAS FRAUDULENT ASKING THEM TO PLEASE VERIFY THE ACCOUNT ( I DID THIS THRU CERTIFIED MAIL ) I RECEIVED A RESPONSE STATING THE ACCOUNT WAS FOUND TO BE ACCURATE FROM EACH AGENCY I THEN REDISPUTED REQUESTING PROOF OF HOW THE ACCOUNT WAS PROVEN TO BE ACCURATE I REQUESTED WRITTEN PROOF AGAIN THEY RESPONDED WITH THE ACCOUNT WAS FOUND TO BE ACCURATE ( NO PROOF NO SIGNATURE OR ANYTHING ) I HAVE MAILED EACH AGENCY A POLICE REPORT & A ID THEFT AFFIDAVIT THAT MY IDENITY WAS STOLEN, XXXX, EQUIFAX & XXXX   CONTINUE TO STATE THE ACCOUNT IS ACCURATE WHEN CLEARLY IT IS NOT MY ACCOUNT, SO NOW THAT FRAUDULENT ACCOUNT CONTINUES TO SIT ON MY CREDIT REPORT HARMING MY SCORE, I WOULD LIKE TO GET THIS ISSUE RESOLVED AND CORRECTED THIS ACCOUNT DOES NOT BELONG ON MY CREDIT REPORT ALL 3 AGENCIES CONTINUE TO REPORT A INACCURATE FRAUDULENT ACCOUNT.
Product: Mortgage

As per my previous UNRESOLVED complaint- I noted that CMG is rejecting our payments which are being mailed. Their response to the complaint indicated that they state on their BILLING statement that they do not accept partial payments. However, that is not a LEGAL or CONTRACTUAL basis for their refusal to accept my payments. They also LIED in their response that these forms were MAILED - I had to find a friend to print them. They repeatedly submitted them electronically in the portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this resolved on several occasions. Equifax does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that XXXX is reporting the wrong information to Equifax. I have tried to do a dispute through XXXX and still have not gotten any resolution. This tax lien that appears on my Equifax credit report is an error. I have provided documentation to support that but they still refuse to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against TransUnion for Violating FCRA Dear CFPB, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My complaint is based on their failure to report accurate information in my consumer report. 

On XX/XX/year>, I mailed my dispute to TransUnion regarding inaccurate reporting of my car loan with XXXX XXXX XXXX ( XXXX  ). As of today, XX/XX/year>, it has been over 30 days, and I have yet to receive a satisfactory resolution. This inaccurate information has been present in my consumer report for over a year. 

I have maintained communication with XXXX  about the status of this account and possess all supporting documentation to substantiate my claims. Additionally, I have a transcript of my conversation with XXXX  confirming that my account was never reported as a charge-off. 

I would like to draw your attention to the following provisions of the FCRA that support my request : - **15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) ** states that 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. 
- **15 U.S. Code 1681e** mandates that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

It is my belief that TransUnion and other credit bureaus are not maintaining reasonable procedures as required by law. 

I kindly request your assistance in ensuring that this inaccurate account is removed from my consumer report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,