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 {$10000.00}, {$8500.00}, {$3100.00}.

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 ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my credit report via the Experian Dispute website nor can I get a free annual credit report. I have also tried to upload my documents in .PDF that was requested and it wo n't upload.
Product: Credit card

I am disputing the collection account with TDRC/XXXX  account XXXX dated XX/XX/year>, with a balance of {$2700.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TDRC/XXXX  provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a installment loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested numerous times for the collection agency to provide me proof ( contract ) that they purchased this debt. Furthermore, they are reporting that the account is open, and it can not be if it is a collection account.
Product: Checking or savings account

On XX/XX/year>, I was charged {$190.00} and {$110.00} by CLEAR for their services, totaling {$310.00} on my PNC XXXX XXXX XXXX ending in XXXX. Shortly after, on XX/XX/year>, PNC Bank applied a provisional credit of {$260.00} to my account, deducting {$50.00} as part of a non-refundable XXXX promotion CLEAR offered. I understood this deduction and accepted the refund amount of {$260.00}, as indicated by CLEAR. 

However, on XX/XX/year>, I received a letter from PNC Bank ( attached ) indicating that the {$260.00} provisional credit would be reversed on XX/XX/year>, as they had determined no error occurred. In line with this letter, PNC withdrew {$140.00} and {$110.00} from my account on XX/XX/year>, effectively reversing the provisional credit they initially applied. These transactions are reflected on my attached bank statement : XX/XX/year> : Provisional Credit Reversal of {$140.00} XX/XX/year> : Provisional Credit Reversal of {$110.00} Since then, I have been in repeated communication with CLEAR, explaining that while they claim to have refunded the amount, PNC Bank confirms they no longer hold these funds. CLEAR provided two Acquirer Reference Numbers ( ARNs ) for the refunded amounts ( XXXX for {$140.00} and XXXX for {$110.00} ), which I subsequently shared with PNC Bank. Despite providing these ARNs, PNC Bank insists that they have returned the funds to CLEAR and no longer possess them, leaving me in a financial limbo where neither party is willing to release the funds back to my account.

This has resulted in a frustrating cycle of back-and-forth communication with no resolution, as CLEAR directs me to PNC Bank, while PNC Bank directs me back to CLEAR. Each institution claims the other holds the funds, leaving me without the refund I am rightfully owed. I have attached both my bank statement and PNCs letter dated XX/XX/year>, to substantiate my claim and provide full transparency on the transactions. 

Resolution Sought : I am requesting assistance in holding either PNC Bank or CLEAR accountable to resolve this issue. I need a definitive confirmation of where the {$260.00} currently resides and to have the funds returned to my account, as both entities have failed to provide a satisfactory resolution despite the documented evidence I have shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX  Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit
Product: Credit card or prepaid card

When I first got the XXXX XXXX credit card the XXXX XXXXXXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX they accused me of 5 late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX XXXXXXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Product: Checking or savings account

On XX/XX/XXXX, I went to Huntington Bank to deposit cash into my account at the ATM as I am a waitress who makes cash tips. After inserting my cash into the machine, I was given a message to contact my finance institution because of problems with the ATM processing my money ( This is the second time I've had trouble at this ATM. The first time in XXXX, I had to call my bank to file a dispute. According to a bank teller who works there, the ATM had a small problem with it that no one knew about, but it has been fixed ). To ensure that my money would actually be deposited into my account, I went into the bank and asked about what could be done. The bank teller suggested that I fill out a dispute, which I did. I then proceeded to deposit the rest of my cash with the teller and leave with my reference number for the dispute. 

On XX/XX/XXXX, I called to inquire about my dispute since I was unable to access my bank account or my debit card and I had a feeling it had to do with it. At this time, I haven't gotten anything in the mail despite being promised I would. The customer service representative I was speaking to didn't give me any information and told me to call the branch. I called the local branch and they told me my account was closed because of fraud. I asked why? They said they didn't know. They also referred me back to the customer service call line that originally couldn't tell me anything. Now, they want me to come in to a local branch to learn more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX Balance Owed : {$28000.00}.
Product: Mortgage

When I refinanced my mortgage, mu current lender, Stonegate Mortgage, mishandled my escrow account. On XXXX XXXX, Stonegate " conveniently '' withdrew my property tax payment for an XXXX XXXX payment!? On XXXX XXXX, ironically, the XXXX tax collector has not received the payment!!! How is it my new lender already paid my property taxes and my new loan did n't even close until XXXX XXXX!? 

Called Stonegate and they did not care, customer service was RUDE and told me they always pay in advance, really two months early???? She could not explain why XXXX XXXX tax collector had not received payment and did not care, offered zero help. She then told me I would have to wait 2 months for my refund. WOW that 's customer service! So Stonegate gets to keep almost {$2000.00} because allegedly they pay property taxes early but ca n't find a record for it. How convent! This is the professional experience, dedicated service, and HIGHER STANDARD you can expect from Stonegate. 

I was a customer and just because I chose to refinance with someone they screwed me over. 
Please help! 
XXXX XXXX Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern While checking my most recent credit report I noticed credit inquiries that I did not authorize made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  Experian   XXXX   XXXX   XXXX    XXXX , TX  XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
SAINRILUS, DIEUMENE SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Product: Payday loan, title loan, or personal loan

As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.
Product: Mortgage

I refinanced my home on XX/XX/2020. The estimated refund of the escrow account for this payoff of the mortgage was {$1800.00}. I carried this mortgage for five years and all payments were made via ACH and on time. I called the mortgage service company ( Specialized Loan Servicing LLC ( SLS ) on or about XX/XX/20 asking for the status of this refund of the escrow balance. I was told, no the refund could not be made to me by ACH, all such refunds go by check. My check should go out by XX/XX/XXXX or surelyXX/XX/20, at the latest. I called SLS on XX/XX/20 to complain I still had yet to receive this refund. I was told a check was scheduled to go to me XX/XX/20. Why such a delay of over three weeks? If and when I get this mailed payment, my local bank, XXXX, will impose it's own hold on these funds for additional days as this payment clears the bank system. It will be close to 30 days before I see these funds which were " good cash '' on closing, XX/XX/20. 
SLS sent me a letter dated XX/XX/20 with a copy attached notifying me their lien on my property for " released or satisfaction of mortgage '' and that public filing was dated XX/XX/20. Since when do court filings now beat check payments by mail no less? 
Ten days later I still don't have the refund of the {$1800.00} escrow balance. 
Obviously, we all know the value of money and who holds the cash. SLS 's inordinate and criminal holding of these funds should be investigated as an abuse of consumer rights. If I was to be late in a mortgage payment their rules allow they charge consumers a minimum " late '' fee of $ XXXX {$35.00}. Is there no such late fee when the likes of SLS holds my escrow funds for 30 days after the close of a mortgage loan?
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I entered into an investment contract with XXXX VIP XXXX ( the Company ) to transfer XXXX USD. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Bank of America of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Bank of America preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. 
Bank of America could have done more at the time of the payment to warn me of the risks of scams - Taking steps to educate their customers about scams - Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams - Providing effective warnings to customers if the bank identifies a scam risk - Taking extra steps to protect customers who might be vulnerable to scams - Talking to customers about payments and even delaying or stopping payments where there are scam concerns- Acting quickly when a scam is reported to it - Taking steps to stop fraudsters from opening bank accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I seem to keep having a problem with XXXX with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX (XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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