23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information AmeriHome Mortgage is reporting to the credit bureaus regarding a closed account that has been mistakenly attributed to me. I have previously requested validation and proof of my association with this account, but AmeriHome has failed to provide adequate documentation, and the information being reported remains inaccurate and unsupported by any valid contract or agreement bearing my signature.

Specifically, I would like to highlight the following : Failure to Provide Proof of Validation : Despite my request for validation, AmeriHome has refused to provide any proof that the incorrect information reported by the company that transferred this account was validated or verified. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ) requires that when a consumer disputes information, the furnisher must conduct a reasonable investigation and provide proof of the accuracy of the information, including documentation of any contracts or agreements.

Failure to Provide Signed Documentation : AmeriHome has also failed to show proof of a contract signed by me. If AmeriHome acquired this loan from another company, it is your responsibility to provide documentation proving that I personally signed the original loan agreement. To date, you have not provided such proof, and I affirm that I never signed any contract with your company or any other regarding this loan. The absence of any valid agreement makes the information being reported both inaccurate and fraudulent.

No Notarization or Proof of Identity Verification : AmeriHome has not provided any proof of notarization or verification of my identity in relation to this account, despite my request. Without such evidence, it is clear that the account has been erroneously linked to me, possibly due to mistaken identity, as I have a family member with a similar name.

Due to these serious issues, the information AmeriHome is reporting to the credit bureaus is fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of inaccurate or unverified information, and I demand that you : Immediately remove the incorrect information being reported to the credit bureaus, as it is not validated by any legitimate or signed documentation.

Provide a copy of the original signed contract or agreement, if one exists, along with proof of notarization or identity verification.

Investigate the matter fully and notify me in writing of the results, including any corrections made to my credit report, within 30 days, as required by the FCRA.

If AmeriHome continues to report this inaccurate and unverified information, I will be left with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Furthermore, I reserve the right to pursue legal action to address any financial or reputational harm caused by this fraudulent reporting.
Product: Credit card or prepaid card

Capital One Spark Business Billing Disputes Department XXXX XXXX  XXXX XXXX XXXX XXXX, UT, XXXX This letter was the dispute of a charge of {$1900.00} on my Capital One Spark Business Credit Card. The charge is inaccurate and false for several reasons. Most notably, I never received my promised goods delivered from the vendor, XXXX, due to their misleading and vague sales practices. I am requesting you return my funds, reverse this charge and credit my account the aforementioned amount, no more and no less, or I will be forced to take legal action plus report your company to the applicable federal and state trade commissions. 

To summarize : After placing a large order with XXXX XXXX, XXXX was enlisted to ship my purchased goods to my physical address. According to Capital Ones terms and conditions, any purchases made from a seller that are deemed to be misleading in nature, or which fail to provide the agreed upon purchased goods or services, are eligible for cancellation and a return of the funds charged. I was both mislead and never received my purchase, whole or in part. I was first mislead after being told my order was set to be shipped to my physical mailing address where I requested the order be delivered. I have documentation showing the orders intended shipping address as being the aforementioned XXXX XXXX XXXX XXXX. This is only one of many misleading aspects of my purchase and subsequent disputed transaction. Below you will find screenshots of our transaction with XXXX and the way they refused to take our payment, then our canceled payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report and police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report and police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian & XXXX several times to have this account with ( XXXX XXXX- name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.
Product: Consumer Loan

On XXXX XXXX, 2016, I was notified by several parties that Santander left voicemail message inquiries while stating my name. I do not have a loan with Santander. I notified Santander over the phone and in writing to immediately cease and desist all contact with me, and to stop Skip-Tracing practices and calls to parties known to me for the purpose of making inquiries regarding me. 
I am assisting my XXXX year old mother in her attempts to surrender her vehicle that she can no longer drive to Santander. She is also unable to sell the vehicle which is valued at {$2500.00} and the remaining balance is more than {$12000.00}. Santander engaged her in a loan contract that is predatory by imposing unfair loan terms with high interest rates and fees, limiting her equity in the vehicle to {$1300.00} after 33 payments totaling more than {$9000.00} over 3 years -- a perpetual cycle of debt that she will never be able to pay. 

Santander was perfectly accepting of my direct involvement with her account while I was coordinating and rearranging her payments to them on her behalf as I do with her other accounts. But, when I started challenging the the payoff and the remaining balance and discussed her wishes to surrender her vehicle they refused to work with me directly. My mother mailed her written notification to surrender the vehicle and its location with instructions to pick it up, yet they have made no attempts to do so.
Product: Credit card

American Express has no way to receive written messages through its website, other than, perhaps, in a " chat '' exchange that is far too time consuming to be worthwhile. It will not allow you to simply send a written message to it through its website. This practice restricts easy communication with it and tries to force its customers to have to waste time on the phone on hold or waste time with its ridiculous chat exchanges. Its online questionnaire to challenge unauthorized charges, furthermore, tries to force you to answer inaccurate questions, the presuppositions of which are simply false. It tries to box you into statements you would not make by its refusal to take written comments from its customers online that are in the customer 's words rather than in AMEX 's. Along with other billing and advertising deceptions, AMEX should be forced to receive written comments from its customers through its website, so that they can speak freely for themselves and not be forced to waste so much time with them on the phone or through any other means, or to have what they are trying to say intentionally distorted by the idiot forms it tries to foist onto its customers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXXXX 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 XXXXXX/XX/year>
Product: Debt collection

Hello my name is XXXX XXXX. Last year I received a letter from a collection agency named Hayt, Hayt, & Landau XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX telephone ( XXXX ) XXXX about a delinquent credit card account I had. This agency made me an offer to settle the matter at a 40 % reduction of the original debt. I did so and paid them in full now a year later they are trying to charge me again for an account I have already paid off saying that I still owe {$880.00} and it is on my credit report. This agency is just taking peoples money and not reporting it as paid off to the credit unions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX  XXXX Balance : {$16000.00} 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 or other personal consumer reports

I want to remove these addresses. These addresses do not belong to me and I've never lived at these addresses. 
listed. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that XXXX XXXX  has reported with XXXX, experian and XXXX, whom are all non affiliates with XXXX XXXX in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. I filed a complaint about inaccurate personal information being reported on my Equifax consumer credit report and file. Equifax responded XXXX XXXX stating the disputed items were no longer being reported on my consumer credit report and file and that they mailed a letter with their findings to the address on file. This is false and misleading information because Equifax mailed a postcard about allegedly receiving my request to add a fraud alert, which is also false and misleading information because I did NOT request a fraud alert. I clearly demanded a thorough investigation into the inaccurate personal information being reported on my consumer credit report and file. This postcard was a blatant stall tactic and proof of willful noncompliance from Equifax. Again, I did NOT give Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15usc 1681b ( 2 ). Equifax continues to tarnish my personal reputation and violate my federally protected consumer rights.
Product: Credit card or prepaid card

On XX/XX/2021, I noticed two fraudulent charges on my credit card while reviewing transactions. 

One was for {$110.00} ( XXXX XXXX  ID XXXX ) and the second for {$100.00} ( XXXX XXXX ID XXXX ). 

I called Barclay immediately to report my card number had been stolen and requested a new card. At this time, Barclay said they would investigate. Approximately a week later, Barclays put the charges back onto my card, stating that I'd done business with the merchant before ( while it is true I have purchased items from XXXX, I had never interacted with this seller nor had ever purchased XXXX XXXX  on XXXX ). I began a weeks long process to have the charges taken off my card. 

I have submitted sworn documentation to Barclays stating the charges were fraud, I have held a conference call between XXXX and Barclays where XXXX verified the charges were fraud, and I have spoken to a fraud investigation manager. After the call with the Barclay manager, the charges again were removed from the card in early XXXX. 

On XX/XX/XXXX, Barclays has out the charges back onto my card, and has no note or record of the call with the manager or the XXXX representative. XXXX also sent information directly to Barclay to verify the fraud. 

I will close my card as soon as this case is resolved. I suspect they are trying to extort money from me since it can not be recovered elsewhere.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to you today to appeal the permanent limitation that has been placed on my PayPal account ( email address : XXXX ). I believe that this limitation has been placed on my account by mistake and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always used my account in accordance with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activity. Therefore, I believe that the limitation has been placed on my account in error. 

Furthermore, I would like to emphasize that my PayPal account is an essential tool for me to carry out my daily business activities, and this limitation has caused significant disruption to my operations. As such, I would greatly appreciate your prompt attention to this matter. 

I kindly ask that you reconsider your decision and conduct a thorough investigation into my account activity. I am confident that once you have done so, you will find that my account has been unfairly restricted. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

In XXXX, my landlord requested we set up an account with XXXX and XXXX XXXX and begin covering our own water bill. I did so, and was sent a bill for a {$100.00} deposit. I wrote a check on XX/XX/XXXX, dropped it in a XXXX XXXX on XXXX XXXX, and went back to my life. 

A month later, I noticed my checking account appeared low. I noticed an unusual withdrawal of {$900.00} from my checking account. Clicking on the transaction, I could view an image of a check I'd written on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX' for {$100.00} that had been washed and rewritten to " XXXX XXXX '' for {$900.00}. The check had been deposited on XXXX, one day after I attempted to mail it. 

On XX/XX/XXXX, I went to Chase Bank and filed a Declaration of Unauthorized Endorsement or Altered Item. Chase was very helpful from the start, saying they could clearly see this check had been washed. I submitted the forms and Chase credited my account for the {$900.00}. They explained this was a credit and the depositing bank is responsible for repayment. The depositing bank, they told me, was XXXX. 

XXXX  responded to Chase saying that they set up a claim and were investigating. Now, a month later, Chase has sent me a follow up on my case saying " if we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered. '' XXXX  accepted a clearly fraudulent check and is now unresponsive. I am at risk of losing the {$900.00} credit from Chase, as they will not protect me as a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX