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 {$83.00}, {$81.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account. 

2. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -This is not my account.
Product: Mortgage

In XXXX 2015 we contacted bank of America and told them we wanted to due a deed in lieu, because we could not afford the house. We were not behind in payments, but wanted to due the right thing. We went through all the steps filling out all paper work. Bank of America put a lock on the house the end of XXXX 2015 and we signed deed in Lieu paper on XXXX. When XXXX country notified me that the house lawn was not mowed, I contacted BOA, at that time I was told the deed in Lieu was not approved. I said you have locked us out of this house and did n't contact us that it was n't approved. They had sent a letter to the empty house, when they had know we had not lived there in four years. All monthly statements were sent to new house, plus in the process all letters, but this one had the correct address on it. They are now telling me that they are going through the foreclosure process, I feel it is to claim more money then we owe. We gave then a clean house with a new heating & air new floors. I have attached the appraisal done by BOA. They told me XXXX/XXXX/2015 that they are starting negative credit reporting. 
I would like BOA To remove all late payments after XXXX/XXXX/2015 and to complete the deed in lieu.
Product: Debt collection

On   XXXX   XXXX   XXXX     I wrote a request for account validation  to Nemo 's Inves tigations And Collections. What they sent back on   XXXX   XXXX   XXXX     was not corresponding with Account validation. Please help me with this collection agency. The description of services is scratched in  black in k its unreadable. I do not want them to contact me or report false debt to the  XXXX  credit bureau 's.
Product: Credit card or prepaid card

There were XXXX transactions totaling {$2400.00} on my account between XX/XX/XXXX and XX/XX/XXXX, using XXXX, XXXX, and XXXX. 

As soon as I found out those transactions I notified to the bank immediately and closed the card sent me a new one. 

After 2 month they denied my dispute. 

First the bank didnt notified me when they see all that crazy transaction, that called unusual transactions. 

Secondly, they let the fraudulent to use the account over the limit. Who does that? 

Third they messed up my credit for over usages.
Product: Credit card

I applied for a XXXX Credit card through Synchrony Bank in the middle of XXXX 2016. I was denied credit and later sent a letter dated XXXX/XXXX/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from XXXX. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported that the credit bureau denied me which is false because that 's not how it works. No one including supervisors could tell me an accurate reason for being denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from Lexisnexis. I contacted Lexisnexis which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received four emails ( one for each deposit ) saying that there wasn't enough money in my checking account to cover the 4 ACH deposits that were made, in the amounts of {$120.00}, {$200.00}, {$250.00}, and {$220.00}. The emails stated that if I didn't deposit enough money to cover these amounts within 7 days, the cryptocurrency in my account would be liquidated to cover these amounts. I followed the instructions in the FAQ on how to deposit more fiat, but it failed several times. I was finally able to deposit money into my account using my debit card on XX/XX/2021. I deposited a little extra to cover costs {$150.00}, {$200.00}, {$230.00}, and {$270.00}. All amounts show up as having cleared in my bank account. Since the company FAQ/support page stated that overdrawn accounts are usually restored within 5 days, after depositing the fiat, I simply waited. After all, they sent me an email automatically, it stood to reason that once they got their money, my account would be restored and I could trade again. After six days, and having had no contact from the company, and my account still locked, I sent them an email on XX/XX/XXXX, to which there was no reply. I finally opened a support ticket on XX/XX/XXXX. I got a form reply that they were still working on my ticket. I also tweeted under their company twitter with my ticket #, since it seemed that other annoyed customers who tweeted on their XXXX account got some sort of response. My tweet did not get a reply. 

On XX/XX/2021, I finally got a reply to the email I sent on XX/XX/2021. It thanked me for fixing my negative balance, and said my account would be unlocked within five days, and if it wasn't to send an email back to them. Five days passed, and my account was still locked. I sent an email to the account which told me to notify them if my account was still locked on XX/XX/2021, and received no reply. I checked my account this morning. As of XX/XX/2021, XXXX EST, my account is still locked, and I can not withdraw any of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name XXXX XXXX. I've been battling to have a XXXX collection off my file for some months now with XXXX XXXX, XXXX  and Experian. I'm unsure what's going on with XXXX  because after I send out letter to ask for proof of signatures of documents. They totally ignore me afterwards. XXXX  I'm unsure, looks like they've removed the account but Experian still has it on file also and they have failed to respond to my dispute with verification of proof. I just want this account remove immediately since it's been well over 90 days as you'll see from documents I upload. Thank you
Product: Debt collection

Carpio Partners, a collection agency, is reporting ( 2 ) medical debts on my credit reports. 
The agency has not mailed a notice of these alleged debts nor notified me as to the legal disclosures and rights under the FDCPA. 

I have no recollection of these medical debts plus I have medical insurance that would had paid for any medical services provided. 

! - Acct # XXXX -- -- amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019. 

XXXX # XXXX -- -amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX  on XX/XX/2019.
Product: Mortgage

On XXXX/17 i called my mortgage company, because i needed to know whom is my home Insurance coverage is with..On XXXX separate occassion i was given Policy # XXXX and the Insurance company is XXXX ... When i called with that policy #, the information they had on file, WAS INCCORRECT.The name ( s ) they had wasnt mine or my wife '' s and the Home Address was also incorrect.I would like to find out if My finances was paying for these other people coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Putting the same credit debts that supposed to be erased and were off my credit back on my credit as flagged accounts. going in and changing.
Product: Mortgage

I have paid XX/XX/XXXX 's mortgage but have been unable to pay for XX/XX/XXXX and XX/XX/XXXX does n't look good either. The problem is my credit union ( XXXX ) they charge me {$25.00} each time I am overdrawn which averages about {$250.00} to {$500.00} per month and that is the reason I have been unable to afford the mortgage,
Product: Credit card or prepaid card

The payment of XX/XX/2020 did not go through when I tried to set-up an auto-bill with Capital One App. I reached out to the company through phone and an online dispute. They said the payment was rejected and I was not notified, which resulted in a late payment and damaging my credit score. 

Having a new credit card and beginning my credit history, this situation is severely damaging my daily finances. I am unable to obtain higher credit lines ( only {$300.00} currently on my card in question ) which aren't nearly enough to meet my monthly expenses. This is also stalling me from being able to continue forward with my living and auto plans as I can't get approved for any financing. The current car is on verge of breaking down, if it does I'll be stranded without a vehicle since I can't get approved for anything affordable. 

The company has refused to help me with this unfair situation, which is why I'm reaching out to CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet at a grocery store either inside or outside in the parking lot which contained my personal information. I went back to the grocery store to see if anyone had turned it in or if they could rewind the cameras back. Since losing my wallet, I have not noticed any new accounts being opened but I have noticed alot of credit inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XX/XX/XXXX and XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Product: Payday loan, title loan, or personal loan

Since the reasons given for denying my request for a loan were all groundless, it is quite clear that the real reason for the denial was AGE DISCRIMINATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.
Product: Money transfers

My son found a car on XXXX and contacted a lady by the name of XXXX XXXX and we were sent pictures of car. We then contacted her again and decided to buy the car. She is in the service and we informed that the military would be sending the car to us because she was going XXXX again. The money was transferred to an XXXX agent in Tennessee and once the money was received we contacted them again. We have not heard from them since nor will they return phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  XXXXand XXXX XXXX XXXX  XXXX  XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

Capital One reported transactions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is illegal.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

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
Product: Credit reporting or other personal consumer reports

I have received 3 letters from Wells Fargo addressed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. Two letter written on XXXX were same. I have decided to file them because of the suspicion of fraud. The logo marks were black, even though other 5 letters from Wells Fargo XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( XXXX XXXX XXXX XXXX ). Also, these 5 letters from XXXX XXXX have the barcodes and scan codes.
Product: Money transfer, virtual currency, or money service

I ordered a replacement debit card from chime and when it did not arrive during the window it should have arrived I called and asked them to follow up with me about the status of the card. If Chime would have been more attentive, they would have noticed that the card has already been activated and that it was being actively used to make purchases. The card was stolen out of my mail box and activated and used to drain my checking account. I received a deposit of {$3800.00} into my account and within 24 hours they left me all but {$7.00}. 

During this time frame I was having issues logging onto my chime account because apparently somebody called pretending to be me and was able to change the email associated with my account. How on earth could somebody have been able to do that? my phone was also stolen out of the leasing office ( I am not sure if this is related or not ) The pin was also changed and I received several emails informing me of new logins from unrecognized devices and locations. 

A prudent financial institution would notice that its not typical spending behavior for somebody to make {$3800.00} worth of purchases ( some of which where out of state in a Casino ) within a very short period of time after a change to personal information was made on the account ( email address was changed ). Their fraud detection would have easily caught this and restrcted the card from further purchase activity. 

I have to move out of my apartment by the XXXX, I was depeneding on that money. I am left with {$7.00} and I can't even feed myself or my cats. This is totally outrageous. 

In addition, I have dealt with chime before with past disputes and I am familiar with how they operate. They provide a window of resolution from 30-90 days. I will not tolerate this. Chime has to abide by its Zero Liability policy which states that account holders will not be charged for transactions they did not authorize. As a Visa Card Issuer, they have to honor this policy.

I have filed a police report on the matter and I will take further legal action against Chime if it does not promptly issue provisional credit for this blatant and obvious fraud that has occured.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, TeleCheck, XXXX XXXXXXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to tale timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I see appropriate redress for these violations
Product: Debt collection

Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description X In accordance with 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. 
Account name : XXXX  XXXX XXXX XXXX, Account name, XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account Name # XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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.

Chapters
Product: Student loan

I have been making payment on a student loan that I have with Navient starting XX/XX/2012 - active /still paying {$270.00}, which was set up by their loan advocacy representative, after talking to several representatives none of them never told me that the payment was going toward interest on the loan which the loan is {$39000.00} and that it a temporary low payment, now I have reach my limit on how many times they would lower the payment, which is going to make the payment now {$440.00}. I am XXXX years old retired I have tried working several jobs part time 20 hours a week, but due to standing and sitting issue I have with body, make its very difficult and painful for me, because I have a XXXX injury and XXXX in both feet, knee and hand, the only income I have is social security retirement in the amount of XXXX a month, they send me a form to completed by doctor saying I am XXXX, my doctor refuse to complete the form because they didnt take me off work and I am not receiving XXXX benefits. I did talking to a advocacy and tried to get them to lower the payment or let it stay at {$270.00} and I also explain that I was trying to get out of paying back the loan, but they refuse lower or keep the payment at {$270.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The information listed below, which appears on my credit report, is the result of Identity 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
Product: Checking or savings account

Ive had an account with Wells Fargo for about 7 years now. They have a history of charging me overdraft fees before my account was actually overdrawn. I would add money to the account same day and I would still get charged overdraft fee. Many times I talked to them but they would not explain how that was possible and they would not reverse the fee. I heard something about them having to pay customers back for this so Im submitting a complaint as my account was previously affected with these abnormal fees many times.