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 {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}. 
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. 

-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS -- 5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

Im applying for a building loan and three hits were in my credit report that I didnt apply for. Two for JPMCB both on XX/XX/XXXX, and one for XXXX Bank on XX/XX/XXXX. I would like for these to be removed from my credit and to find out if credit was given in my name for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$290.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Contact Information XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have called several time and disputed this account spoken with supervisors below. 
XXXX ( Intergrity Team ) XXXX XXXX XXXX XXXX send me documents showing the accounts i have with them and this account above is not even listed. Document was sent to Experian and XXXX   who refuse to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.
Product: Debt collection

This company has refused to validate an account with XXXX XXXX XXXX. This company has been pestering me about this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX contacted me requesting payment of {$90.00} for a forced insurance policy, and two duplicate charges. I responded the same day and told them that the bill was incorrect and asked for proof of the charges. On XX/XX/2023 they replied and still did not provide an itemized receipt but instead verbally told me I had not paid my electric bill. On my account I had paid for XXXX already but needed to pay for XXXX - XXXX and the pro rated rent. I requested that they remove the duplicate charge for XXXX - XXXX and the forced insurance charge and they refused and demanded that I pay twice. On XX/XX/2023 they emailed again and I requested to speak to a member from their accounts team as this issue was not getting solved. Then they sent me an email on XX/XX/2023 saying that I had actually owed XXXX which does not make sense because I moved out on XX/XX/2023 and additional charges to my account without receipt from the electric company, despite being requested, does not seem correct nor legal. Following that I emailed them every week asking if they could open my account so I could pay and they ignored every email and sent it to collections. This amount sent to collections is wrong, at most I owe this company {$40.00} which I had all intentions of paying directly to them and asked several times to be able to do so but they refused to let me and predatorily sent it to collections.
Product: Debt collection

A XXXX XXXX, who says she is calling from an XXXX company, has been contacting numerous family members and friends about a vehicle that I do not have. I believe they may have obtained my information from an unknown source and are trying to extort money from me by using scare tactics and threatening me over voice mails.
Product: Credit card

I have a Lowes card with Synchrony Bank. I set the account up on reoccurring payments on XXXX XXXX, 2015 to pay the balance in full on the payment due date. On XXXX XXXX, I logged in to my account and the payment had not been processed and the put a late charge on my account. Please, someone do something about their fraudulent misleading practices. I will never use the Lowes card again and paid it in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry from XX/XX/2018+ XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Student loan

I have not been able to access the Sloan Servicing website all week. It will not load on my computer. I need a copy of my most recent statement for my employer who makes payments towards my loan. I have experienced difficulties accessing the website over the last year, however, now I am completely unable to even open the website. I tired two different browsers and called and spoke to their representatives 3 days in a row. As of yesterday a supervisor was supposed to call me back and have not. I also tried accessing the website on my phone, which still encountered problems but I was eventually able to get on, however I am not able to download a copy of my statement on my phone. A simple XXXX search will show that there are many borrowers that have experienced the same issue with this servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6600.00} ; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS CLOSE TO IMPOSSIBLE to get a live agent on the phone or transferred to the fraud department. I have spent XXXX hours on the phone calling multiple numbers and speaking to an automated service in order to get to an agent in the fraud department ( I assume ). I am on high alert as NEW UNAUTHORIZED INQUIRY alerts from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and other credit monitoring services have all alerted the new inquiries are now on my TransUnion profile. 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights : XXXX. XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XX/XX/2023 According to 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Student loan

My private student loan is currently being serviced with Navient. My interest rates are 13 % and 10.50 %. I ca n't get the loan paid down because the interest rates are so high. Their customer service has been completely un-helpful. When I took out the loan I was completely unaware of how much I was taking out, when it was disbursed or where the money went. I had no idea what the interest rates were or how much the payments would be. The interest rates keep increasing and I do n't know why. I have automatic payments set up and I 've been making my payments on-time for several years. I owe more today than when I graduated 10 years ago. I 've also tried refinancing my loans with a different lender but have been turned down on multiple occasions despite my good credit.     I 've been contacted by a organization called  XXXX   XXXX   XXXX  (  XXXX   ) a nd they have told me that they might be able to get some of my student loans discharged because they feel that there has been some student loan fraud on behalf of  XXXX . They want me to pay them {$950.00} in order to put my student loans into  Administrative Deferment  and investigate using their team of attorneys. I 'm skeptical about using this organization because I do n't know if they are creditable.
Product: Credit reporting or other personal consumer reports

I have recently reached out to Transunion Special Handling Department and spoken with supervisor XXXX who refused to provide his last name. He was very unprofessional and very disrespectful. He is hateful and prejudice towards other races. He constantly called me maam on and on and on after I explained I am a sir and also after verifying my identity. I asked him how would he feel if I called him out his name and he still continues on in a disrespectful and hateful manner and then hangs up the phone one me .This is not right and should never happen to anyone..
Product: Debt collection

I changed phone service provider from XXXX to XXXX  on XX/XX/2022 and before transferring provider, the new provider has to call previous provider to end services, a process that was done successfully. XXXX months later I received a bill from XXXX of about {$530.00}. After getting XXXX mails, they reported me to a debt collector and filed a dispute and the debt collector did not move forward with collection. After a month, I received a letter from a different debt collector and filed a dispute and they promised to get back to me after XXXX. I also contacted XXXX by phone and went physicallly to their nearest store requesting a validation of the bill since their services were previously prepaid and there was no way I could owe them any debt. I did not get a response from XXXX and kept receiving threatening mails from XXXX XXXX services. I finally reached out to XXXX XXXX services by phone and a staff informed me that my matter was no longer with them but attorney and transferred my call to the attorney. I discussed my issue and she promised to communicate with XXXX to avail me validation receipt for use of services and up to date I haven't received any communication from them. Yesterday I got an alert from my bank about being reported to the credit Bureau by XXXX XXXX. Kindly help in this matter. I have worked hard to build my credit score and would not like a bill that I don't understand ruin it. Looking forward to your kind response. Thank you.
Product: Credit card or prepaid card

I've had a credit card, checking, and savings account with Alliant since XXXX. I've never been late with a payment and had over $ 30K on deposit with them at the time of closure. 

I received a letter in XXXX that there was an annual meeting and I was expelled and my membership would be terminated XX/XX/XXXX. While I appreciate the notificiation and time to change auto payments, I feel the timing of this was due to COVID-19. 

If I was non-compliant with something, I would appreciate being told what it was and have the opportunity to correct it rather than being shut down during a crisis and while on lockdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not due to identity theft just the incorrect reporting of the account on my consumer report. Harley Davidson Credit Corp is continuing to report late payments on my report in violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). This is also violating my Right to Privacy, Defamation of Character, the accuracy of the report, negligent Non-Compliance, Civil Liability, and Mental Anguish. See attached documents... 

The same letter was sent to XXXX XXXX XXXX XXXX. Have had no response as of yet.
Product: Debt collection

This collection co. is famous for taking on accounts they actually think they can collect on without any facts. This is the 2nd time I've had to complain to you about them for doing exactly that. XXXX 's agent who sold me an auto policy committed insurance fraud. They have the call to prove it but refused to resolve the issue when I complained. XXXX agent lied about XXXXs policies. I've had enough of them to know that they don't change things frequently. He lied by telling me that they " now '' did 12 month policies with really low payments and no ACH required. I was onboard if it was true but it wasn't! One of the customer service reps told me AFTER I signed up that it wasn't true and exactly what happened on my policy. She told me that he signed me up for the 12 mo. on XXXX standard policy WITH ACH payments only! I told him point blank on that call several times I didn't want ACH payments. XXXX changes their payments monthly and my budget couldn't handle those fluctuations so I went with billing for {$6.00} more a month. But he lied, set me up to sign a document that had auto pay sign up tucked in it where I couldn't see it easily, I signed it inadvertently trusting the person on the other end of the phone to have my back, that I was supposed to be able to trust, that should've had some integrity but clearly didn't. More than a month went by and I didn't get a bill. That's how I found out about the ACH payments from the CS rep. I called to find out why I hadn't received a bill. She laid out exactly what transpired on my account and apologized for the agent 's unethical and very unprofessional deceitful practices. Each time I sent him emails to fix the problem, he never responded. They were not nice emails either. Then one day my account was debited and ended up on the over draft. I disputed the charge and told my bank exactly what transpired. My bank went all the way back to the originating transaction and reversed it all out and was prepared to let XXXX know they demanded to be paid back for the fraudulent activity they created on my account without my knowledge or express permission. I told that shyster agent numerous times on the initial call I DID NOT WANT ACH PAYMENTS!!! He kept assuring me that I wasn't on them. Well he lied and XXXX protected him. I complained but got no where with XXXX. In the interim they kept billing me but I'd canceled the policy and refused to pay them for the fraud they committed on my account. I told my bank to not reverse the deposit I gave them but to definitely refuse payment on the payment they tried to illegally steal from my account! The bank 's practice is to reverse ALL transactions for a creditor that commits fraud. It took a lot to talk them into paying the deposit. XXXX kept billing me and I discontinued paying them. Since they refused to address the fraud their agent caused by lying to me and doing as he pleased for the sake of a commission check, I declined to pay them NOW or EVER!!!! I will NOT pay for fraud!! So AWA really needs to start representing better clients. They have a way of choosing the sleaziest of sleazy!
Product: Mortgage

There have been 5 escrow analysis done on my account without informing me. There was a payment made from Texas HAF in XX/XX/2023 and the money was not distributed correctly and it still has not been resolved. My mortgage payments are not going towards my principal/interest/escrow consistently and instead, payments have been made towards my 2nd loan ( down payment assistance ) on my FHA loan.