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 {$5000.00}. 
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. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Credit card or prepaid card

Hello - I contacted Commenity Credit about my XXXX MC card on XX/XX/2019 via email to report fraud usage on my account. On XX/XX/2019 my purse was lost and my XXXX credit card was in my wallet. All of my personal information including my driver 's license and social security card were in my wallet. My cellphone was also in my purse. I immediately reported to my other creditors that my purse was lost, but did not report to Commenity because I had not activated the XXXX card. I had only used the XXXX account one time when it was initially opened in the store. I received a response back to contact the fraud services department and i did so opening a fraud claim. While speaking with the representative, he was not really paying attention to what i was saying and later i actually received two cards in the mail because he ordered a new card twice. If you listen to the call recording you will understand what i mean. I also received two fraud affidavits in the mail. I did fill out and return the fraud affidavit to Commenity as requested. I only contacted Commenity when i did because i saw the account balance show up on my credit report and knew i had not made the purchase. Commenity sent me a generic letter and advised they had completed a review and found no evidence of fraud. I contacted them back by email on XX/XX/2019 and was told to contact the fraud department to open a claim again. When i asked for evidence of their investigation, their response was to contact the fraud department to open a claim, which i already did and they told me they found no evidence of fraud.I have now replaced my cellphone and am getting call after call after call. today i received 5 and yesterday i received 6. Last week i received a call from a local collection agency and i advised them as i have advised Commenity that the charges were made without my permission and i do not know the person who made the charges. I now have received an update on my credit bureau that the account is reporting past due and has been closed. This is negatively impacting my credit because Commenity has failed to resolve the issue. I should not have to go to so much trouble to get a creditor to do the right thing.
Product: Student loan

I was diagnosed with XXXX conditions that qualify me to file for permanent federal XXXX. When I reached out to the loan servicer for XXXX XXXX XXXX, via telephone to understand how to proceed, they indicated that I needed to send 2 letters to XXXX XXXX XXXX XXXX XXXX a letter written by myself and a letter written by one of my doctors. I both faxed and mailed these letters on XX/XX/year>. I received a Denial to Discharge letter from XXXX XXXX on XX/XX/year> and the list of acceptable reasons for total discharge that was included in their letter indicates that I do qualify for a total discharge. I was not able to locate an email address for XXXX XXXX, however, I reached out to XXXX XXXX via their online portal on XX/XX/year> for further clarification on the Denial and subsequently followed up on XX/XX/year> via telephone to the loan servicer, XXXX, as XXXX XXXX does not accept calls directly. I have not received any form of communication from either of them since. Based on the reasons stated in XXXX XXXX letter- which are divided with the word " or '' - I qualify for a total loan discharge on two different fronts : " Must have a medically determinable physical or mental impairment that prevents them from engaging in substantial gainful activity '' and " Have lasted for a continuous period of not less than 60 months ''. For both reasons, I provided them with relevant documentation in the faxed and mailed information as well as the follow up email. The loan repayment begins on XX/XX/year> and I am not able to secure any form of employment now or into the future, meaning I have no way to repay this loan. XXXX XXXX is not providing more information on why the loan was denied a total discharge and I'm not sure how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$110.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus. 

Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium. 


On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for. 

Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.
Product: Credit card

I have been trying to receive a refund due to my trip cancellation back in XXXX. I have tried reaching out to the travel insurance company to have our trip refunded since I bought the insurance but to no avail. After a year or so going back and forth with the insurance company I have decided to reach out to Chase because I used my XXXX XXXX  to pay. I submitted an Eclaims with Chase and it's almost been 2 years now and Chase has also been giving me the run around. Asking me to submit documents that I've already submitted and requested to gather more " proof ''. I'm backed against the wall as I have submitted all that I can that was requested of me. The total amount that I'm requesting for is {$2600.00}. This is the down payment cost for the flights and XXXX XXXX XXXX ( {$2400.00} + {$240.00} ).
Product: Credit card or prepaid card

Due to the COVID-19 pandemic, my household is affected greatly financially. I have contacted my other credit card, American Express, and they were able to offer deferment and help. I contacted my XXXX XXXX VISA which is sponsored by US Bank and they will not offer any kind of help or deferment. 
I have perfect credit and they will be reporting me and therefore causing bad credit for 7 years. I have spent 4 times speaking to different representatives And supervisors and no one is able to help me. 

There has to be a mandatory relief, deferment, hold due to my financial decline due to this pandemic. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Vehicle loan or lease

We sent the Loan pay off by wire transfer on XXXX early in the morning, 2 days after they didn't credit the account yet and refuse to inform where are the funds sent to pay off the Loan.
Product: Debt collection

Im filing a complaint against The Company ERC collections. They are fraudulently claiming I owe them money from a previous XXXX XXXX XXXX  XXXX account. I have never had service with either company. ERC has my name, social security number and my address, my phone number which was fraudulently obtained. I dont own this account theyre talking about. The reference number for the fake account is XXXX. Im emotionally distraught because my personal information has been stolen by them and theyre trying to get {$530.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-applicant on an apartment. I currently own my home. On XX/XX/XXXX, CoreLogic sent an Adverse Action Letter indicating application was denied. They indicated that there are associated arrest records with my name in Florida ( I have lived in Maryland for 30 years ). They acknowledged the spelling was different and did not match up any other factors such as full name, social security number, nor did my solid credit history, employment history and other community standings matter. On XX/XX/XXXX, via email to CoreLogic, I sent my driver 's license to confirm the spelling and entire name was different and I forwarded Florida public records from Web searches such as XXXX to show it was not me. They admitted that the names being spelled differently should have indicated a non-match and so did the apartment community - both indicated this is rare. Was told I had to dispute or I would remain in their database as a criminal ( with 9 convictions ). After visiting XXXX, I see this is happening to many citizens who are shocked that this firm keeps them in their database as criminals once they are associated through the company 's algorithms and scoring as high risk. In the U.S., you are innocent until proven guilty but not with this organization. As of today, XX/XX/XXXX, and after many calls to CoreLogic including the supervisor and his supervisor, there is not resolution. Not only does my daughter risk losing her apartment, but I may be considered a criminal in this firm 's database. I don't even have a traffic ticket anywhere.
Product: Debt collection

For over a month, I have been getting calls from a XXXX XXXX XXXX XXXX XXXX number at work. The first time I picked up the phone but there was no answer. Then they called two more times that first week. Being annoyed, I took down the number and did a search on it. Various call checking sites had the number listed as spam ( i.e. XXXX, XXXX, XXXX, etc. ). They also gave the company name : Franklin Collection Services which I did not have before since there was no answer on the line nor did they ever leave a message. For a while, I ignored the calls as the call checking sites advised but the calls kept coming. It was then that I started reporting the numbers to the FTC. After reporting four with the XXXX prefix, I got another one starting with XXXX just last week ( X/X/17 ). I have also filed a complaint with my Attorney General ( X/X/17 ).
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX  XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

My Mr. cooper mortgage account states that PMI was due on XX/XX/2021, and my Escrow includes reserves for these payments, but none have been made. Mr. Cooper reports that they do not know why and need to investigate why, meanwhile my PMI appears to be 6 months overdue. While they haven't attempted action against me for this, nor should they as it is the Mortgage company, via escrow, who should be responsible, but I don't want to suddenly discover I'm in trouble because somebody screwed up. Given my prior complaint about Mr. Cooper misappropriating escrow funds, I have low confidence and need to ensure there is some external oversight and record of my attempts to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week i attempted to secure a credit card from XXXX XXXX ; i currently have a savings account with them. This was opened XXXX week ago. I was informed that the card was being denied ; that among the reasons was that my wife and i had too many credit obligations and that there was a collection notice in my file under Experian. 

The only collection attempt that i can recall may under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was would be about XXXX years ago. 
I had enrolled in the above service and then attempted to cancel the next day and was informed it was too late to cancel. 
When the prescriptions arrived from XXXX ; i refused to accept the package. 
If this is the collection notice on my credit ; i am disputing being charged for any orders that was never accepted. 
I notice that XXXX has parted ways with XXXX XXXX.
Product: Checking or savings account

I opened a TD bank checking account in XXXX of XXXX  with a large settlement check froma car accident. TD bank took a withdrawal from my depost for money that was owed to them but sold off to a collection agency. Even though it was sold to a collection agency they took the entire balance owed. The old account that was sent to collections was over XXXX years old and closed and they took the money from my checking.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Account Balance : {$32000.00}.
Product: Checking or savings account

My debit card was compromised at a XXXX  terminal at a gas station sometime in late XXXX of this year. Over the course of 2 months the fraudster drained my account completely. A total of {$4300.00} was stolen from me due to a compromised debit card. Upon discovering this fraud on XXXX  I immediately drove to my bank and filed an Affidavit of fraudulent activity on my debit card. There were a total of 73 fraudulent transactions going back to XXXX  Bank of the West would not let me claim any further than 60 days of fraudulent charges. 

On XXXX, after filing the affidavit, the bank destroyed my debit card but did not put a freeze on my checking account. This allowed the fraudster to get away with another {$200.00} between XXXX and XX/XX/XXXX, after I had already alerted my bank to the fraud. 

On XX/XX/XXXX, the following monday I contacted my county Sheriff 's office and filed a police report. I provided the Sheriff with a copy of my affidavit. 

on XX/XX/XXXX I filed a second affidavit for the additional {$200.00} in fraudulent charges. 

On XX/XX/XXXX, after XXXX XXXX  I contacted Bank of The West 's corporate security team to provide them with a case number and contact information for the police report. I was told by the head of their Fraud dept., XXXX XXXX, that due to her training schedule, she would not be able to work on my case until the following week and would provide me with an update. 

The following week of XX/XX/XXXX I contacted XXXX. She was not available. I asked her to return my call. Nobody ever called me back. 

I called again the following week XX/XX/XXXX and was able to talk to another manager besides XXXX who informed me that my case had been handed to a different department called Corporate Security, who would work with XXXX 's department to handle my fraud case. 

I received no contact or updated information until I called on XXXX. I was told by a representative that XXXX was unavailable. I asked that XXXX respond to me in writing about the status of my case. XXXX emailed me later that evening to inform me that the case was still being reviewed. 

Throughout XXXX, I called the customer support line to get an update and was met with the same answer, " Your case is being reviewed by a separate department, there's nothing we can do but wait '' On XX/XX/XXXX I called again to obtain a copy of the signed affidavit. Nobody has responded. 

At this point I have been robbed of {$4300.00} and my bank has done nothing to help me for 2 entire months despite filing an affidavit with them AND filing a police report.