23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX, and XX/XX/2023 my account thru American Express Serve Card was hacked. Someone stole XXXX from it. The card company reimbursed me all ATM fees but declined my disputes twice. Nor have I received any evidence from the investigation. Please help
Product: Credit reporting or other personal consumer reports

on XX/XX/ I sent a factual dispute to all 3 consumer bureaus XXXX XXXX XXXXXXXX is reporting date last active is XXXXXXXX XXXX is reporting date last active is XXXX transunion is reporting date last active is XXXX this is inaccurate reporting which is violation to the FCRA
Product: Debt collection

Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. XXXX XXXX XXXX is now reporting the account on my Equifax Credit Report under account XXXX for {$410.00}.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX  XXXX ] [ XXXX XXXX Ca, XXXX [ XXXX ) [ XXXX [ XXXX XXXX XXXX XXXX Tx XXXX Subject : Dispute of Charge-Offs from American Express Under 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681 Dear [ XXXX ], I am writing to formally dispute the charge-offs listed on my credit report from American Express. I believe these entries are inaccurate and should be investigated and corrected immediately, as they do not comply with the legal requirements under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide certain by XXXX  information to the consumer regarding the debt, including an itemized accounting of the amount owed. The entries for American Express do not provide sufficient details or documentation to substantiate the charges. 

Furthermore, under the Fair Credit Reporting Act 15 USC 1681, consumers have the right to dispute incomplete or inaccurate information. The charge-offs reported by American Express are both incomplete and inaccurate based on the following reasons : 1. [ Account Number 1 ] : Dispute Reason : Incomplete documentation provided. The charge-off amount lacks detailed itemization and supporting documentation. 
Supporting Documents : Attached is a copy of my credit report highlighting the disputed entry. 
2. [ Account Number 2 ] : Dispute Reason : Inaccurate information. The charge-off amount does not match the records I have from American Express . 
Supporting Documents : Attached are copies of my statements and correspondence with American Express showing discrepancies. 

I request that the credit bureau initiate an investigation into these disputed items and provide me with the results. Additionally, I request that any unverifiable or incorrect information be promptly removed from my credit report. 

In accordance with FCRA 15 USC 1681i ( a ) ( 1 ), you are required to investigate and resolve these disputes within 30 days. Please send me a corrected copy of my credit report once the inaccuracies have been rectified. 

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

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

Synchrony bank is damaging my credit I pay my cards on time or before time never been late that lower my credit without cause they have damaged my credit score I havent used up two of the cards and they just made it looks as if I used up the limit I spoke to them about it I was told to dispute it this bank has bad practice of issues of killing scores this is terrible they have lowered my scores please help, Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To avoid fraud, I'm trying to place security freezes on my credit with the three bureaus. 
I've done this successfully with the other two bureaus, but Experian won't do it for me. When I fill out their online form, I get an error that they can't place a security freeze with the information I've given them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to withdraw funds from my Edd acct and was informed I only had XXXX $ left in the acct. A withdraw for XXXX $ and another for XXXX $ were withdrawn on XX/XX/2020, somewhere in XXXX, Ca. I live in XXXX XXXX, Ca and have never been to XXXX, Ca. Attempted to contact someone form the phone number given on EDD card, finally filed a fraud claim and was denied. I did not make these withdraws and need these funds to live during this COVID 19 pandemic.
Product: Credit reporting or other personal consumer reports

I did not receive any perk or service/product and according to 15 USC 1681b these inquiries has NO permissible purpose to be on my report. I demand that this agency deletes it immediately
Product: Debt collection

I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information.

I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute. 

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, consumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I have attempted to correct this situation with Honda Financial to no avail. I sold a leased vehicle in XXXX XXXX and the license plates were sent to DMV to be cancelled. Honda Financial is attempting to collect pro-rated funds in the amount of {$130.00} for past due personal property taxes for XXXX. I did not own the vehicle in XXXX and the county does not assess property taxes until XXXX. 

Honda Financial has admitted they have filed for an abatement for refund of the personal property taxes they incorrectly paid which means they know it was in err. They had the necessary documentation in XXXX to decline the tax assessment as it was not valid. 

At this point, Honda Financial has place a delinquency on my credit report which has caused my harm financially. This needs to be removed immediately and the amount owed is not my debt nor responsibility
Product: Debt collection

I have been a victim of identity theft and I have reported this incident several times no one is to allow anyone to open any type of telecommunications accounts under my name I have been framed ny XXXX XXXX XXXX XXXX XXXXXXXX you name it Ive tried to solve this issue by placing a block on my credit and this does not seem to work no one should be able to open these types of accounts under my name and yet they still are able to do so and its not fair to me
Product: Student loan

I started an application on a home loan and was asked to provide a copy of my payoff letter on my student loans from Mohela. These had been forgiven in XX/XX/XXXX and I received letters from both the XXXX department and Mohela. I realized I never received a paid fulfilment letter from Mohela. I looked at my account online and only XXXX of XXXX loans had been XXXX. There was an {$80.00} charge for accrued interest on my account for the other XXXX loans that was asking to be paid. My loans had stopped accruing interest in XX/XX/XXXX when I reached my PSFL XXXX payments and the governments forbearance on the XXXX plan. I should not have accrued anything. I called Mohela on XXXX and the service rep looked into the charges with multiple other people and they all agreed I should not have been charged interest and they submitted an investigation. However, I need a paid off letter for my loan. They said it would be best to pay the fee and it would take XXXX days to process and then my loans would be sent for processing and it would be XXXX days for the accounts to be closed and letter generated. My application is only valid until XX/XX/XXXX and XXXX days will not cut it. There was no way to expedite the letter. I called again on XX/XX/XXXX to verify my payment had cleared and that it was sent for processing the closing of the accounts. I was told yes but they could provide me no information. I again explained the situation and that this is their fault and to expedite the closure. I was told no. I asked to verify an investigation was entered on the interest accrual and they could not confirm there was an investigation. I need the paid off letter generated and sent to me by XX/XX/XXXX in order to move forward with my home loan otherwise it will be canceled.
Product: Debt collection

Texts repeatedly from an automated text number XXXX or calls from XXXX. Doesnt leave messages, does not provide any information. Sends me a link to pay the debt without any notice. I know for a fact I owe no debt, I have nothing owed to anyone. I am current on all payments including my student loan, one of which I just paid off. I have ZERO items in collections. They will not identify what or who its for and after selecting Stop several times via text and getting alerted I will be removed, they keep contacting me. Most recently on XXXX at XXXX via text. 

Via phone : XXXX XXXX all around XXXX. I delete all texts and block and they text from new text numbers.
Product: Payday loan, title loan, or personal loan

The XXXX they were sent a no contact letter, They were also informed by CERTIFIED mail and over the phone + texts to no longer contact me as I was obtaining a lawyer to the unfair and defensive business practices they were using. 

The XXXX & the XXXX they called me. Demanding payment or they would take it to court. 


The XXXX I was contacted by im assuming the owner or lawyer. Ive left voicemails twice and havent been contacted back. 


They have also contacted me on my work phone ( direct phone line, in a grocery store where personal calls are not allowed and I have consistent customers calling to place XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN.

To whom it may concern, Issue : I am writing for assistance with a matter that occurred at a US Bank ATM XXXX in XXXX, TN. On XX/XX/XXXX, I visited the ATM as I normally frequent this bank in order to make withdrawals from a none US Bank account. I was making a withdrawal from my XXXX XXXX XXXX account. Ive never had issues with withdrawing until this day. I attempted to withdraw {$100.00} ; however, the machine only dispersed {$60.00}. I frantically wondered what had happened to the remaining {$40.00}. 
I pulled a head to relieve myself from my vehicle thinking maybe the remaining funds had failed to the ground but that wasnt the case. So I returned to the ATM as obviously the remaining funds had gotten stuck somehow. So I attempted a second withdrawal of {$20.00} thinking perhaps this will disperse the remaining {$40.00} ( if it was possibly stuck ) in addition to the {$20.00} I requested. Well only the {$20.00} was dispersed and not the {$40.00}. So I quickly made my way to the inside of US Bank to explain the situation and was told I needed to contact US Bank ATM department to file a dispute. 
I contacted US Bank ATM department as instructed and was told I needed to file a dispute with my bank, XXXX XXXX. So I contact XXXX XXXX and they filed the dispute and the results from the investigation was yielded that the machine dispersed the full withdrawal amount of {$100.00} which is absolutely incorrect. While I am not sure what happened to my {$40.00}, I do know it was not dispersed by the ATM, which means that particular ATM machine should have been over by {$40.00}. I strongly believe the information provided in the investigation report by whomever is responsible for emptying the ATM provide a report full of inaccuracies. In addition, I know ATMs can be faulty, as I just recently visited this same ATM location and attempted to make a deposit of {$1400.00} but the ATM said the amount was only {$1300.00} so I had to request the entire deposit be returned and found that it was {$100.00} that the ATM machine was not registering. Just as the machine claims it gave me {$100.00} when it only gave me {$60.00} Resolution requested : I am requesting US Bank return to me the {$40.00} that its machine kept. Due to the inaccurate information provided by US Bank XXXX XXXX XXXX, the temp credit that was given to me by XXXX XXXX during the investigation will now be withdrawn. I want my money back. If the machine didnt disperse it then please help me understand what happened to it as it certainly didnt just disappear. 

Thanks in advance for your time and assistance
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my credit card off in the amount of {$2500.00}. Iprior came back from the company saying payment not made. This happens like 3 times however on XX/XX/XXXX XXXX the payment was made with both myself the bank I do business with and Citibank the company holding the credit card for Home Depot. I made the payment however prior trying to paid by phone i sent them a pay bill by mobile check arrived to Citibank, and they posted that amount to may account too, which I did not owe anything. So I now have a credit. I immediately called the bank. They said they could not send the money back to the account I wrote the check from it had to be the one set up with the account pay which does not accept ACH payments. I told them that. But they insisted it wasnt an ach payment. 3 weeks later I have not seen a refund or a call from Citibank. So I called. They said my bank didnt accept ACH. Duh. So they said they had to mail it. On that day XX/XX/XXXX I was told it would take 7 to 10 days. The check never came. I have called them every 2 week. The last time this month of XX/XX/XXXX. XXXX. The woman said she would escalate it to the executive office. They would call me back. To remember we are on limited access because of the coronavirus. How can I help REMEMBERING. I have XXXX grands in my house and I needed my money to survive. We lost our phones cause we cant pay our Bill 's. We are about to lose out electric. Needless to say no one called. I called again on XX/XX/XXXX. I was told a check was going to be sent in 10 days. I begged them to please overnight. I even said did pay for the fee to express mail it. They do not do that I'm told. We verified my address again. They have told me they have sent it 2 times. I've asked my neighbors which it's a close neighborhood. If they got my mail they'd give it to me. So on the XXXX I called again and was told the check again was sent on XX/XX/XXXX. To wait until the XXXX of XXXX. Which is today. 
This has caused hardship. I want the envelopes showing the check returned. I do not believe they have ever sent this check. And I need help. My family is in dire straits XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint XXXXXXXX XXXX XXXX XXXX. 
Corporate Head Office XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, New Jersey XXXX XXXX  Dear sir/madam, I am writing to make a complaint against the above mentioned bank regarding an excessive numbers of fees applied to the following XXXX accounts : XXXX  Checking Account # XXXX XXXX  Money Market Account # XXXX XXXX  I have spent reasonable efforts to have XXXX bank rebate the numerous and excessive fees applied to the above XXXX mentioned accounts. 

The bank, however, refused to refund the numerous fees that have been applied for the life of the XXXX accounts. 


I can't afford to lose all the fees that the bank is charging me. I would like to habe these fees reversed and rebated to my XXXX accounts. 


Thank you for your kind assistance and look forward to hearing from you. 


Respectfully, XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

I am writing to inform you that I have never had an account, agreement or contract with your company, Sunrise Credit Service. It has come to my attention that inaccurate information related to an alleged and previously disputed and corrected debt has been reported to credit agencies, negatively impacting my credit report. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing this information. As per 15 U.S. Code 1692a ( 3 ), I am the consumer, and you, Sunrise Credit Service, are the debt collector under 15 U.S. Code 1692a ( 5 ). Citing 15 U.S. Code 1692c ( c ), I am invoking my right to cease communication, and I demand that you terminate all further efforts to pursue this alleged debt, as outlined in 15 U.S. Code 1692c ( c ) ( 1 ) and 1692c ( c ) ( 2 ).

Additionally, I am acting as the executor under 15 U.S. Code 1692c ( d ), emphasizing that debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt, as per 15 U.S. Code 1692d.

Furthermore, your reported false credit information, as indicated in 15 U.S. Code 1692e ( 8 ), and the false representation or implication that accounts have been turned over to innocent purchasers for value, per 15 U.S. Code 1692e ( 12 ), are clear violations. I am also drawing attention to the violation of 15 U.S. Code 1692f regarding unfair practices, as well as your failure to cease collection efforts until verification of the debt, which is mandated by 15 U.S. Code 1692g ( b ).

Finally, I want to bring to your attention the civil liability outlined in 15 U.S. Code 1692k, which holds debt collectors liable for damages resulting from non-compliance with the provisions of the FDCPA. Considering the serious nature of these violations, I request an immediate investigation into this matter and the removal of all inaccurate information from my credit report. Failure to comply may result in legal action.

Sincerely, XXXX XXXX