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 {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
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 XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by XXXX XXXX XXXX XXXX XXXX ( a collection agency who purchased someone's debt from PayPal ) regarding a delinquent PayPal credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from PayPal credit from XXXX with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.
Product: Credit reporting

I do n't believe the company investigated the validity of this dept and its connection to me.
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 information or items which do not belong to me. I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. XXXX attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CO XXXX AR XXXX XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account that hit my credit report in XX/XX/2021 from an XXXX XXXX XXXX XXXX account that is not mine. The collections account is from Sunrise Credit Services and is hitting my XXXX credit report. I have filed several disputes with XXXX and it keeps reappearing. I have also called Sunrise Credit Services but that has gotten me nowhere.
Product: Debt collection

On XX/XX/XXXX, I received a debt collection letter in the mail from Designed Receivable Solutions for an unknown creditor. The letter did not indicate any creditor information but gave a phone number to call. I called the number and they immediately asked for my personal information- my birthday and my social security number for " verification '' purposes despite my providing the account number assigned to me on their letter. I asked the agent who the creditor was, and she replied that she couldn't provide me with that until I gave her my personal information- which I did not. I ended the call and looked up their payment website. The website either did not exist or had an issue as it did not show up in my browser.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. [ account/item ] XXXX OF XXXX XXXX XXXX XXXX : XX/XX/2011 Balance : {$11000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Company - I.C. SYSTEM, INC Date - XX/XX/year> Amount - {$650.00} I do not have any contracts with this company. I did not authorize this company to use my information or report it to any credit reporting agencies per 15 US Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an individual accessed my mobile phone and banking apps and made two unauthorized transactions from my bank to cash app totalling {$230.00} then my cash app account to hers. I notified cash app immediately upon discovery which was within a couple hours to report this so they could reverse the transactions however they did nothing. Summarily they claimed to launch an investigation and in less than 48 hours determined no error occurred with no valid explanation or any coherent proof of any investigation conducted into the matter.
Product: Bank account or service

Hello, I wrote a check in the amount of {$100.00} and PNC is saying that I did not have the amount in my account to cover it. However, the check should have posted on XX/XX/2017. PNC purposely over drafted my account and refuses to put the funds back. My account is never negative and I have been negative in the past. It is my understanding that as long as funds are added by XXXX I will be ok. Please do not trust PNC bank. They will take your hard earned money.
Product: Credit card

I don t understand why PayPal makes it so extremely difficult for a consumer to find out what amount ( finance charge ) they are charging each month. Today I was on the phone for an hour. I spoke to XXXX people and one was a supervisor named XXXX. I was transfered twice. Neither person understood what I meant. I kept saying the same thing over and over. I used XXXX XXXX as an example. I can see very clearly what they are charging me each month. I then spoke to a supervisor, XXXX, and he did not understand. He said the words finance charge was a vague term. I repeated his words back to him in disbelief. I XXXX the description and read it to him. He wanted to transfer me again ( which would have been the XXXX Person ), but of course they were then closed for the day. I can not find the amount on my statement. This same thing has happened with them before. They just transfer the call, they dont understand, the call is disconnected, then they close for the day. I am trying to balance and understand my account. Last month I finally got someone that told me I was charged about {$85.00}. I spoke to different people due to getting transferred and finally said I was going to report them. Please help me. I dont know what else to do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ..XX/XX/2021 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves Experian, XXXX, and XXXX. Each of the three agencies is erroneously reporting incorrect information. Experian, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to Experian. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia XXXX and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX  # XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX  account and are severely inaccurate in reporting which in turn interferes with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car note was transferred over to XXXX XXXX XXXX In XXXX of 2020, and they have not reported to the credit bureaus. 

I called XXXX on XX/XX/2020 and was told that everything had to be communicated through the mail and there was not an option to talk to anyone or email anyone about the issue. I had to mail my information in along with my full Social Security Number in the mail. I asked if i could give just the last 4 and was informed no. I was told that due to high call volume the dispute department only communicates through mail, and a response will be sent 30 days after the date that they receive the dispute. 

I understand that it is against the law to open up others mail if it is not yours ; however, not everyone follows the rules of the law. I do not feel comfortable mailing out my full Social Security number with the possibility that someone may get it other than XXXX XXXX. I also dont know why they have not reported not one payment that we have made to them to the credit bureaus for 3 months now. If they had ran into an issue at all they have my email address and physical mailing address. I never received any documentation indicating that they did not have our SSN 's to  report to the Credit Bureaus.
Product: Credit card or prepaid card

XX/XX/2019 one morning i receive a call from capital one, and i call back and only answer the give me was your account is closed, i ask why they said because of activity on this or another account that is not consistent with our expectation for you account usage and violation of the capital one consumer agreement. and no more explanation. till today i have no idea why and that hurt my credit score because is one of my oldest account
Product: Credit card or prepaid card

As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to XXXX XXXX Sec XXXX, no person XXXX furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. XXXX also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a XXXX government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Discover Bank has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the XXXX XXXX to be over therefore this is still in effect. Discover Bank is noncompliance with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.
Product: Credit reporting or other personal consumer reports

Accounts from Portfolio Recovery Associates were removed from my report after an investigation by the CRA. These accounts then reappeared on my report. This seems to be a common practice by these companies to depress the scores of individuals. It is common knowledge that these companies pay the CRAs as " subscribers '' leaving consumers without any recourse for what amounts to fraudulent practices. 

Portfolio Recovery Associates has been known for many years to be the worst offenders and it is unacceptable that the " CFPB '' does not do anything about them.
Product: Credit reporting or other personal consumer reports

The background check, said I was a federal criminal. And ruined my employment. The information does not exist. The dates are wrong. The location named were XXXX XXXX XXXX XXXX XXXX, XXXXThis never existed. XXXX, XXXX is not available.Thia information is out dated, and over ten years old, and should not be in the background report.there was some wrong information about XX/XX/XXXX in the report. The information stated that I was a XXXX XXXX. In XXXX, tx. This information is not true, and it's older than 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

My self account credit builder is paid in full an receive a check from the how it still saying close an taking point from my Experian account after my credit was in good standard I hereby request them to stop reported false information to drop my score
Product: Checking or savings account

I made a purchase using my Chime account to buy a plane ticket on XXXX XXXX. I used my Chime account to charge XXXX XXXX as a third party to get the ticket. However, the transaction was never finalized, and no confirmation was given ; however, the money was taken out regardless. I called Chime to let them know what happened, and I was told that I would have to dispute this issue and that I would be given a temporary refund Pending their investigation after the investigation. They revoked my claim and withdrew the money from my account, leaving me in the red {$250.00}, saying that I was responsible when they were responsible and negligent and not investigating deeper, leaving me to open up a second dispute Because I feel that its unfair for them to not refund my money after making the mistake of not reaching out to XXXX regarding this issue. XXXX has said theyre dealing with Chime, and XXXX XXXX continues to be poor. Their miscommunication is also why a XXXX agent told me not to use XXXX XXXX anymore. As a result, Ive also opted to not to use Chime anymore. I am complaining because I feel that more people need to know about this, and there needs to be an investigation into Chime and what they do as a financial institution or whatever they are because they clearly lack integrity, and I will fight to the nail for my money that I work very hard for! Personally, I feel betrayed by chime as a loyal customer, and I feel as though they have stolen my money!
Product: Credit card or prepaid card

I had open my account with American Express in XX/XX/XXXX when I seen the promotion that I would get 15 mos no interest. When my bill came in yesterday, I had interest on my bill. I called American Express today, XX/XX/XXXX, to see why and they said that my account had no promotion on it. I told her when I applied for the card that is was under this promotion of 15 mos no interest and I printed everything out where it did say I would get the zero interest for 16 mos. She said she was sorry and that my account was not eligible for the promotion. I replied to her and said " you cant make a promotion offer to someone and not honor it. Needless to say I am still paying the interest on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I am a consumer and I received a letter informing me that I was denied credit. So when I look too see the credit agencies they used I see XXXX and some company named XXXX I dont know them and have never heard of this company. Okay so I pulled my scores from all three agencies ( XXXX, XXXX & XXXX ) and they were basically the same but with this company my score is extremely low and this is not accurate and I want something done about it. The letter is dated XX/XX/XXXX although I initially applied for credit on XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 certified letter to Experian asking to verify the following accounts XXXX {$730.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$150.00}, They have failed to send me proof of these accounts in the form of the original sign document but are stating Verified and Accurate, I don't know how or who verified these incorrect items on my consumer report, This is holding me back from buy house and car loan,
Product: Bank account or service

On XXXX the XXXX I deposited a check in the amount of {$250.00} bringing my balance up to {$320.00}. Following my deposit, I used my debit card for XXXX purchases in the amounts of {$38.00}, {$44.00}, {$120.00}, {$40.00} and {$46.00} totaling {$290.00}, thus leaving my account with {$35.00}. I received XXXX NSF charges for my purchases each in the amount of {$38.00} totaling {$150.00}. My account is now in the negative and the bank refuses to refund the charges. How is it possible to get charges when there was money in the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is illegal for XXXX to report this inquiry when State Farm clearly state they have no record of this at all. The following attachments will prove XXXX will not remove this inquiry and blaming StateFarm
Product: Checking or savings account

Hello, I'm having a problem with one of my banks, called BECU. Someone managed to have access to my data and accessed my account, they deposited checks in my name but with another living address, then they took out the money they deposited plus mine, now I have an overdraft in my account and those of the bank do not manage to do anything. And they say it's my fault. 

In addition to depositing checks that were not mine, they also made different transfers through XXXX, and the only thing the bank says is that it was me and they rejected my claim.
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter from Suburban Credit Corporation, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 
The Letter stated that I owed {$81.00} for a Year XXXX debt associated with XXXX XXXX XXXX. I'm assuming that this Center is in XXXX. I lived in XXXX  until XX/XX/XXXX. However, I never received notice of this debt in XX/XX/XXXX nor XX/XX/XXXX when I moved from XXXX back to XXXX. I never received notice of this debt while living in XXXX after moving from XXXX. 

I wrote two Letters one dated XX/XX/XXXX and the other dated XX/XX/XXXX in response to the debt collection letter. I essentially stated that I was never aware of this debt and that the stature of limitations had expired for collection of this debt. 

I have not received any correspondence back from Suburban Credit in reply to my letters, to date.
Product: Student loan

I first contact ed Navient via fax and mail on  XX/XX/XXXX  sta ting that I was missi ng 9 payments in all from  XX/XX/XXXX  and  XX/XX/XXXX . Finally  on   XX/XX/XXXX  I  received a letter fro m Navient asking me to supply them bank information regarding the payments I made. They wanted me to obtain the Electronic Funds Transfer ( EFT ) numbers of payments and the address to which the payments were sent so that they can research my account.. All the information was faxed and mailed to them on XX/XX/XXXX . I wrote and m ailed another letter asking for a status update on   XX/XX/XXXX and ne ver heard back. I called customer service o n XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX  and   XX/XX/XXXX . Was alwa ys told that it was still in review I could never get a supervisor or anyone from upper management on the phone. I have filled a complaint with the Federal Trade Commission and the BBB. The amount of missing payment and the outstanding interest is more than enough to pay off this loan.