23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Checking or savings account

On XXXX XXXX at approximately XXXX in the afternoon an unauthorized transaction occurred at a XXXX XXXX XXXX XXXX XXXX, in XXXX Oklahoma. The unauthorized transaction was in the amount of XXXX. Once I became aware of this transaction I called the XXXX XXXX XXXX to inform them that this was theft and an unauthorized transaction. They refused to refund me the stolen funds but provided me with a receipt. At the Time of the transaction My wells Fargo chip enabled debit card was in my possession. and I was not aware that my card had been cloned. I then proceeded to contact my bank Wells Fargo On the XXXX to inform them of the Unauthorized transaction. wells Fargo provided me with a credit in the amount of the stolen funds from my account until an investigation was concluded. On the XXXX Wells Fargo prepares a letter declining my dispute of this transaction stating that they " found they were authorized or that a processing error did not occur. As a result, on XX/XX/year> we will deduct the provisional credit of {$160.00} ... '' Wells Fargo failed to conduct an adequate investigation as to how a chip enabled debit card was clones and used at a gas station to access a members financial account. My complaint was not that there was some processing error but rather that my checking account was accessed illegally and without authorization by cloning and or skimming used by criminals. Wells Fargo is unwilling to acknowledge that there system failed to protect my financial account from skimming and cloning.
Product: Credit card

I had an account/subscription with XXXX which I canceled in XX/XX/year>, but XXXX still charged my credit card ( master card Athleta ) {$430.00} for the next year 's subscription. I called the credit card company ( XXXX ) and asked them to remove this charge since my account was canceled and I did not authorize it. The credit card company removed the charge and issued a new credit card in XX/XX/year>. I received a new credit card but did not use it. On XX/XX/year> the credit card company sent me a summary statement that shows the amount of {$430.00} on the new card. 
When I called XXXX they stated that " their investigation '' determined that this charge was not fraudulent and they put it back on my card. I wanted to be clear that my concern is that this charge is unauthorized, not fraudulent. They opened a new investigation ( case # XXXX ). I asked them to cancel my card. 
I have an email from XXXX that my account was canceled.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions so blatantly disregarded my rights as a consumer, leaving me financially and emotionally distressed. Cash Apps failure to investigate and resolve disputes within the required time frame, as well as their refusal to reimburse unauthorized transactions, constitutes a violation of federal laws designed to protect consumers. 

Additionally, their lack of accessible customer service and vague communication further demonstrates negligence and a lack of accountability on their part. I am requesting a thorough investigation into these issues, appropriate penalties for Cash Apps noncompliance, and restitution for the financial losses I have incurred due to their inadequate practices.
Product: Mortgage

Cares act Mortgage forbearance States that your credit score will not be affected in forbearance however my Mortgage company ( Carrington Mortgage ) got around this by increasing the amount owed on the loan  stating that the unpaid interest was added to the loan amount increasing the amount of the loan reported to the credit agency 's thus showing a higher debt to income ratio and lowering my credit score. which the cares act states should not happen So I'm being punished if I use forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On the afternoon of Wednesday XXXX XXXX. I entered the PNC Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I was investigating a ( NSF ) fee of {$36.00} that had been placed on my account on XXXX XXXX. 
The fee had been placed on my account after a {$1000.00} check had " bounced '' and all the money was returned to my account. I spoke with a female representative within the XXXX branch # in her office about how I should resume to pay the bill in which the Check was intended. She then picked up the phone and called " back of house '' to see if they could waive the ( NSF ) fee. They began to tell her that there was nothing they could do about the bounced check and she would have to contact her manager to request a refund. She asked me if it was my first ( NSF ) fee & it had been. The {$36.00} request was denied. I then proceeded to tell her that PNC had been nothing but trouble lately and I would like to close my checking account IMMEDIATELY! Without any hesitation she said " okay, I 'll close it personally TOMORROW ( XXXX ). I 'll write you a withdrawal slip NOW and I 'll close it first thing TOMORROW ( XXXX ). 
She wrote the withdraw slips for {$1100.00}. I signed them & walked out of the PNC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX with my money, a {$0.00} card balance and trust in the bank representative. 
On the afternoon of XXXX XXXX. XXXX XXXX XXXX I get an email. My account is - {$36.00}! How? Apparently the ORIGINAL " bounced '' check # XXXX from XXXX XXXX that was returned to me, was put thru AGAIN on XXXX XXXX. Now, I have NEVER heard of a bounced check having the ability to be pushed thru the system multiple times. Nor did the PNC agents warn me of that. Now I have TWO -  {$36.00} ( NSF ) Fees on my account TWO bounced checks and ONE bill that still has n't been paid. Now I 'm entirely irritated that this bank representative had ZERO understanding of her own job and that she 's allowed to manipulate customers into paying more fees. She should have known the check # XXXX had the ability to be sent thru again in just a few short days, allowing me to keep my money within the account to successfully complete the payment. She NEVER explained why she was waiting 24hrs to close my account. She also neglected to notify me that my account was overdrawn or that the check had been attempted once more apon the " attempt '' of closing my account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

The equipment I purchased from XXXXXXXX XXXX XXXX was either installed incorrectly or faulty. It was going off every night. Nobody came to fix it, so I ended the service. The equipment was financed through Synchrony Bank 's credit card, Home Design. I already settled with XXXX, but they won't take the equipment back. They said they will not refund the money ; I have to work with Synchrony. Even the contractor who works with XXXX, XXXX XXXX, will not work with me. 
I have attempted to resolve this issue with Synchrony since XXXX, but they will not help refund the money. 

How can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX  XXXX and now I am on a set income from the government and deemed totally XXXX. This account is not reporting correctly The balance should be XXXX not XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountd as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$150.00}
Product: Credit card

I have a Lowe 's credit card. Payments are made on the outstanding balance every 2 weeks automatically. These payments cover the entire amount due over the 4 weeks. But, after talking to Lowes today, I found out that they do not put any early payment towards the amount owing. Instead, they put the early payment towards the balance. Then, when the 2nd payment is received, they put that towards the required payment. Sometimes, this is not enough to cover the entire required payment but in addition with the early payment, it is enough. Then, Lowes will charge {$41.00} in late fees every month. 
For example, last month was a required minimum payment of {$72.00} and 2 {$50.00} payments were made. I was still charged {$41.00} in late fees even though {$100.00} in payments were made. 

Thank you for your assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

[ My Name ] [ My Address ] [ City, State, ZIP Code ] [ XX/XX/year> ] Midland Credit Management , Inc . 
[ XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX ] Subject : Request for Account Information Account # [ Insert Account Number ] Dear Sir or Madam, I am writing regarding the account referenced above, which appears on my credit report. I am not yet disputing this account ; however, I am requesting additional information for my records. Please provide me with the following details regarding this account : 1. The chain of title or assignment of the debt, including all entities that have owned or managed this account.

2. The date of the first delinquency.

3. The date of the last payment made on this account.

4. The amount of the last payment.

5. The date of charge-off, if applicable.

6. Proof/verification of legal right to collect on said debt with original signature and documentation that I ever had an account with this company I kindly request that you provide this information within 30 days of receipt of this letter. This request is made pursuant to my rights under applicable federal and state laws. 

Please send your response to the address listed above. If additional information is required to process this request, feel free to contact me at [ My Email Address ]. 

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

Sincerely, [ My Full Name ] Let me know if youd like further modifications.
Product: Money transfer, virtual currency, or money service

Commencing on or about the XXXX of XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX XXXX XXXX account via wire in the total amount of XXXX USD utilizing East-West services Scammers Account Number : XXXX
Product: Student loan

Navient calls me on an average of about five ( 5 ) times a day regarding my student loans and this is clearly harassment. I have been making payments on my student loans each month for the past three ( 3 ) years, but they continue to call and harass me for their payment. I ensure I pay the minimum payment each month, however it seems like that 's not enough for Navient to stop contacting me for a payment. 

About 6 months ago, I even started making extra payments towards my students loans to see if that would stop the phone calls, but that did n't stop Navient from calling me at least 5 times a day. When a Customer Service Representative from Navient calls to ask for a payment, I inform them that I would make a payment in a few days. They insist that I make a payment over the phone and they have no reason to ask me for a payment because I 've been making more than the minimum payment each month, sometimes twice a month. 

I understand if I was delinquent to the point where Navient was n't receiving any money whatsoever or if I never made contact with months or years. But that 's not the case. I 'm making monthly payments and it 's just not enough for Navient. They call me early in the morning while I 'm sleep, They call me during the afternoon time. They also call me at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE PROVIDE ALL INFORMATION AS BELOW TO VIA MAIL DO NOT REFER ME TO THE WEBSITE OR A CUSTOMER SERVICE NUMBER AS BOT OF THOSE OPTIONS ARE NOT RELIABLE AND ARE ACTIONABLE CAUSES. THIS A DIRECT REQUEST VIA THE RIGHT OF ACCESS : ( 1 ) WHO AUTHORIZED THE information it has collected about ME, ON MY CREDIT REPORT ( 2 ) The sources from which the information is collected ON MY CREDIT REPORT ( 3 ) The business or commercial purpose for collecting or selling MY personal information.

( 4 ) The third parties with whom EXPERIAN shares MY personal information. 

(5 ) The specific personal information THAT EXPERIAN has collected about ME. ( 6 ) The information that you released or shared please provide the names of all entities that EXPERIAN shared and released information to and what purpose or use was this claimed to be for. i can be reached at email XXXX XXXX
Product: Mortgage

I bought a new coop unit in XXXX. I have repeatedly asked PNC Bank to set me up for paper statements and they have yet to do so two months later. My mortgage loan is # XXXX. All I need is for them to mail me paper statements to the property address.
Product: Checking or savings account

My brother and I have a joint checking account. 
My brother passed away on XX/XX/XXXX. 
Beginning XX/XX/XXXX fraudulent photocopied checks were presented and cashed by Wells Fargo. 
Multiple checks show on the account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
On XX/XX/XXXX I reported the fraud to the Wells Fargo dept on Arizona and was told they would put a hard stop on the account and that I should go to the bank and close the account. 
Even after that on XX/XX/XXXX a fraudulent check was passed through the account. 
I went to the XXXX Oregon branch and was told I needed an appointment. 
I made an appointment and went back and after sitting with a banker for 20 minutes was told they couldn't do anything because it was a California account. I was finally able to close the account with phone support but not without a lot of hassle. 
Then they send me a letter saying they won't refund the money because too much time had passed even though I reported it XXXX.
Product: Student loan

I am a XXXX Veteran who is employed by a non-for-profit entity. I am enrolled in the public service loan forgiveness program ( PSLF ). Every month I am employed and make a monthly payment on my student loans, I continue to make progress toward loan forgiveness. In XXXX Mohela placed my account in administrative forbearance without my knowledge or consent, thereby disqualifying my XX/XX/XXXX payment from counting towards my PSLF payment counts. I contacted them to remove the forbearance from my account and they ignored me. I recently requested to be switched to another payment plan, and again without my knowledge or consent, they placed my payments on hold, which again will disqualify and pause my PSLF payment, prolonging the amount of time I need to be enrolled in the program and making payments before my loans are forgiven. Everytime I attempt to contact them, it requires hours over the phone and their customer service agents are not informed. Today I was on hold for over an hour. Spoke with a XXXX ( Employee ID XXXX ) who could not explain to me why my account was in forbearance, could not remove the forbearance and could not explain why my account is displaying that my next payment is not due until XX/XX/XXXX. Any online correspondence is never answered in a timely fashion. I believe Mohela is implementing these tactics to sabotage borrowers and delay progress within the PSLF program. There is NO REASON to justify placing my payments on hold. I want to continue making my payments monthly and have them count toward PSLF as they should as I a currently employed by a qualifying non-for-profit employer. Every month Mohela puts my account in forbearance without my consent is a month of progress I am losing towards forgiveness .... Please help me. 

I attached a letter they sent notifying me that they " approved '' an administrative forbearance, which I never requested or consented to. 

My account now displays forbearance status until XX/XX/XXXX ( not requested or consented to ). And my next payment due in XX/XX/XXXX, which I strongly have an issue with, given I want to continue to make my monthly payments to continue to progress towards PSLF.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent through XXXX a payment of {$2000.00} for a rental property, When I got there there as a sign for sale on the rental property. I can home and called Chase bank to cancel the XXXX transaction. Was told then that the fraud department would contact me immediately. Never heard from Chase or any other person. XXXX contacted me and told me to take the matter up with Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX XXXX, Please block and remove this account from my credit report on my credit report which are UNKNOWN to me. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account, so please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking this account is inadvertently resulting in me being extorted.