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

I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

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 ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.
Product: Student loan

I owe $ XXXX {$55000.00} in student loan. My information was compromised by XXXX XXXX. My monthly payments are too high. My forbearance is out & I thought XXXX had my loans forgiven
Product: Credit reporting

Trans Union LLC failed to properly investigate and/or reinvestigate to my previous dispute letters, which I provided compelling and substantiated documentation and evidence of aggravated identity theft and fraudulent accounting in connection with XXXX adverse accounts identified in my credit files. Both accounts identified in these report are not mine due to aggravated identity theft and fraudulent accounting by Furnisher and/or XXXX-party ; to wit : XXXX FORMERLY XXXX and XXXX. See attached report with my comments annotated by each discrepancy. Bureau of Consumer Financial Protection Case No. : XXXX submitted on or about XXXX XXXX, 2015 is XXXX.
Product: Checking or savings account

In XX/XX/2020, I contacted TD bank to advise them of an issue I was having with XXXX XXXX XXXX. I had been overcharged by XXXX and was due a refund. I initially tried to work the issue out with XXXX and XXXX told me they issued the refund on their end and my bank should have received the funds back. I advised XXXX that my bank had not received the funds back and when I asked for details about the refund it was brought to my attention that XXXX refunded money to a card not associated with me or my rental in any way. I contacted TD and told them about XXXX XXXX error and made a debit card claim. I received a provisional credit and was sent a letter asking me to explain what happened in detail. I responded before the due date with a very detailed explanation of the situation, names of managers who I had spoken with, and also noted in the letter that I still had not received the refund. Towards the end of XXXX, i get a letter in the mail from TD stating no error occurred, this is not a satisfactory ruling. I believe that based on TDs ruling the dispute department did not do their due diligence in investigating my claim. Customer service at XXXX would have been able to provide TD with enough information for them to see my claim was valid. TD dispute department took the maximum amount of time possible to work my claim and then ruled inappropriately and took back the provisional credit which put my account into a negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Coronavirus Pandemic, I requested a forbearance plan in order to allow for tenants that were not paying rent. This plan allowed us to retain tenants in our rental homes when they were unable to make rent payments. At the time of the Forbearance Plan request the mortgage was in good standing/paid on time. 

30 days before the end of the forbearance ( XX/XX/XXXX ), I requested a post forbearance solution ( flex modification ) from XXXXXXXX XXXX via telephone. The agent submitted the request and advised me to call back in 2 weeks ( XX/XX/XXXX ). I called back on or around XX/XX/XXXX. I asked whether I could make a payment as the ending of forbearance would be XX/XX/XXXX and the agent advised I could only pay back the full amount of forbearance ( {$11000.00} ). I explained I had requested a Flex Modification for the post forbearance solution. The agent said to call back in 2 weeks as there was no response yet to the post forbearance solution request. 

I called XXXX back at a minimum every 2 weeks from XX/XX/XXXX until the post forbearance solution was approved on or around XX/XX/XXXX. Each call I asked to make a payment while awaiting the Flex Modification approval in order to protect my credit. I was told by the XXXX agent on each occasion that XXXX could not take any payment except for the full forbearance amount ( {$11000.00} ) and was advised to not make any payment until the Flex Modification was approved. Each time I called the XXXX agent advised me that the XXXX system was not able to receive any payments except the entire Forbearance sum until the Flex Modification was approved. 

The Flex Modification was approved by XXXX Loss Mitigation in the first two weeks of XX/XX/XXXX. Beginning XX/XX/XXXX, the first of three post forbearance Trial Payments were made on time in accordance with the solution agreement ( all 3 trial payments were on time ). 

Even though the mortgage was in good standing and paid on time prior to forbearance in XXXX and all requirements were followed under the CARES Act regarding mortgages in good standing post forbearance : XXXX reported to the credit bureaus Payment History PPA : Partial Payment Arrangement. This Payment History Rating/Remark effectively dropped my Credit Score from XXXX to XXXX in XXXX of XXXX. I urgently request that the PAYMENT HISTORY Rating/Remark of PPA : Partial Payment Arrangement is updated to to " OK '' as the current remark is not warranted or applicable based on the guidelines of the Pandemic Forbearance for a XXXX mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2017, with a balance of {$3300.00} I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. 
Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. 
Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Mortgage

I have a loan with  Seterus. My previous lender and I had a dispute over late fees, which was never resolved. Seterus sent me a letter, offering me a 50 % discount if I paid those late fees by the expiration of the notice.  Unfortunately, they sent me this letter 30 days after the letter was dated, so the offer expired next day. I called Seterus and asked if I could pay it via telephone. The agent advised me that I could, but only if I scheduled my mortgage payment at the same time. I asked if there will be a fee, either to accept their offer and make payment via telephone, or to schedule my mortgage payment. the agent said, " No '' to both. I went ahead and paid the {$83.00} which was the amount of their settlement offer, and  three days later I noticed that they had deducted from my bank account {$93.00} instead. They have a lso charged me another {$10.00} to schedule the mortgage payment. In addition, when I received my statement the following month, all the late fees were still added to my account. I have contacted  Seterus, but their nasty, nasty CSRs, keep me on the phone for 45 minutes to one hour and do nothing about m y issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit card or prepaid card

I was booking airline ticket via XXXX XXXX website on XX/XX/XXXX following offer showed up. Please refer to attached document ( screen print taken from XXXX XXXX website ). I applied for credit card as per offer then after meeting requirement when I didnt see the credit of {$250.00} and XXXX bonus miles reached to Citi credit card through which XXXX XXXX issued the credit card. 
Citi informed me since I got offer in past 48 months this offer is not available to me, however that information is not shown anywhere in the XXXX XXXX website. When I complain this issue to Citi for investigate and honor the promotion they offered me as curtsey one time they can give XXXX bonus miles. I registered complain number with citi that is # XXXX. I have not heard back from Citi until XX/XX/XXXX so reached them they Citi said we cant offer promotion since it was given in last 48 months. When I told representative, I know that is what earlier representative told me when I open my complain # XXXX my complin is to investigate issue with XXXX XXXX advertisement misleading the customer because of which I ended up opening the credit card account now Citi bank is not honoring the offer because they have different policy. After several minutes of discussion representative told me since it is from XXXX XXXX promoting go and complaint to XXXX XXXX we cant honor the offer. I need help this issue to be fixed and provide promotional offer to me.
Product: Payday loan, title loan, or personal loan

I received a Renovate America ( XXXX XXXX ) loan through a local Utah company, XXXX XXXX XXXX. on XX/XX/XXXX, through an agent of XXXX XXXX  who came to my door. The loan was for {$2100.00} and was ostensibly to " prepay '' monthly security monitoring charges for seven years. The loan proceeds from Renovate America were disbursed to XXXX XXXX, XXXX and I was contracted to make a {$35.00} loan payment for 84 months. 

In XX/XX/XXXX, I received a letter from the monitoring company ( XXXX  ) saying they were ceasing monitoring on my system in XX/XX/XXXX due to nonpayment. I reached out to XXXX XXXX to find out what was happening, only to learn they went out of business in XX/XX/XXXX. 

Today I received a notice that Renovate America has filed bankruptcy and seeks to sell my " loan '' to another company for collection. I have never been late on a payment and stopped receiving the benefit derived from the loan proceeds as of XX/XX/XXXX. 

I believe that Renovate America and XXXX XXXX, XXXX engaged in unfair and deceptive business practices and colluded to bilk thousands of dollars from unsuspecting consumers who would be trapped in a long-term loan without receiving tangible benefits from the proceeds.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies related to the reporting of the XXXX  account ending in XXXX on my XXXX credit report. The payment history for this account reflects a sudden 90-day late payment in XXXX  without any prior progression of delinquencies ( e.g., 30 days late, 60 days late ). This reporting is inaccurate, misleading, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information 1. Sudden 90-Day Late Payment in XXXX  : The accounts payment history transitions directly from Current to 90 days late in 2018, without any prior delinquency markers ( 30 days or 60 days late ). 
This lack of progression contradicts standard reporting practices, which require accurate representation of delinquencies. 
2. Negative Account Status : The account is marked as Negative, despite being reported as Current in subsequent years. This contradiction unjustifiably harms my creditworthiness. 

FCRA Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a 90-day late payment without evidence of 30-day and 60-day delinquencies is inaccurate and misleading.

2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, XXXX must conduct a reasonable reinvestigation. If the information can not be verified as accurate, it must be corrected or deleted. 

Requested Resolution To resolve this matter, I request the following actions : 1. Immediate Correction or Deletion : Remove the 90-day late payment from XXXX, as it lacks supporting evidence of prior delinquencies. 
Update the account status to reflect its Current standing and remove the Negative designation.

2. Verification Documentation : Provide documentation from Aidvantage verifying the accuracy of the reported payment history, including evidence of a 30-day and 60-day delinquency prior to the 90-day late payment. 
XXXX. Written Confirmation : Provide written confirmation of the investigation results and any updates made to my credit report. 

Supporting Documentation 1. A screenshot of the XXXX account on my credit report highlighting the discrepancies.

2. A copy of my government-issued ID and proof of address for verification. 

Next Steps Under the FCRA, Credit Bureaus are required to investigate this dispute within 30 days of receiving this letter. If the reported information can not be verified as accurate, credit bureaus must delete it from my credit report immediately. 

If this dispute is not resolved promptly, I will consider additional actions to enforce my rights under the FCRA, including seeking compensation for damages caused by the inaccurate reporting. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Student loan

as I had a accordance payment with the company performant # XXXX account they will respond to new York hesc which 2 days prior to pay off sent account to XXXX / American education services which I are sent letters relating to the loan and paid. hesc I refer to sent a payment on XX/XX/XXXX and XXXX what collection on XX/XX/XXXX to the date of today XXXX # XXXX follow me by sending letter delay placing it in my credit history simple mind XXXX gave me a fax number to start an investigation that in your system does not appear any check charged # check is XXXX by the amount of {$3000.00} this information is provided by hesc.
Product: Credit card

I enrolled in an online employment site called " XXXX XXXX '' phone # XXXXXXXX  about two years ago. I used my Best buy credit card to make the purchase. XXXX. 

After about two months and unable to get employment with " XXXX XXXX  '', I attempted to disenroll from the service and stop the use of my credit card. 

I contacted both " XXXX  XXXX '' and " Best buy ''. Both promised to cancel my enrollment and Best buy promised a refund. 

I would like Best buy and XXXX XXXX to cancel my enrollment and refund any funds due me.
Product: Debt collection

I sent a final invoice that came directly from XXXX showing the correct balance - there is no legal way to deny the true balance yet Experian continues to send me the same response saying the balance is correct - - 7 years of false reporting before I was able to get this invoice, and now it is being ignored this is illegal- I simply request the error is legally deleted or updated -- I had requested that Experian dispute and research the incorrect balance several times, but I had no proof as XXXX denied all my requests for more information - Now that I have the actual final invoice - Experian is still ignoring the error which continues to harm my credit and cost me time and money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$670.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX, Equifax, and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Product: Bank account or service

My bank account unexpectedly became overdrawn last night by {$1.00} due to the fact that a {$30.00} mobile deposit was not credited. A couple concerns are ; ( 1 ) I did n't think a bank could charge an overdraft fee for a debit transaction that caused the account to be overdrawn by less than {$5.00}? ( 2 ) It was my understanding that I had until XXXX to make a mobile deposit to be credited the same day? Seems ridiculous that a {$1.00} overdraft can generate a {$35.00} overdraft fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX  XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; Medical XXXX Balance Owed : {$3600.00} ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt or credit management

In accordance with the Fair Credit Reporting Act this creditor has violated any rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

on XX/XX/XXXX application for a loan was submitted to XXXX a credit report was provided by Experian with a FICO XXXX score of XXXX reported back However this is a major difference in the score that is published on the web site. Experian web site for which I am charged a monthly fee for monitoring my credit reported a XXXX score of XXXX. I feel that this is a the very lest is false advertising and also hurt the possibility of me obtaining the lower interest rate. I also obtained my report from XXXX and XXXX each of these reported a FICO XXXX score of XXXX and XXXX. I would like an explanation of how a difference of over a XXXX points and be reported to a lending company and not reflect on the web site.