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 {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}. 
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, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

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

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed TransUnion that my report was inaccurate and they have not replied or took any steps on resolving this issue.
Product: Credit card or prepaid card

First Progress repeatedly mishandled my payments, which were mailed directly from my bank to their address on the statements. They marked me as delinquent for XXXX and XX/XX/XXXX, as well as XX/XX/XXXX, even though I sent payments for all these periods and mailed in proof of these payments. This has severely hurt my credit and I want it to be fixed.
Product: Debt collection

Sending over personal information via email from a dent which has not been validated to date.
Product: Student loan

I am currently enrolled in the PSLF program, having worked full-time for XXXX   XXXX  XXXX XXXX after consolidating my loans toward the 10-year/120 qualifying payments for loan forgiveness. Since my loan was purchased by loan servicer XXXX XXXX XXXX I have put in requests for updated calculations on the qualifying payments I have made ( in total - including the payments I made to prior servicer XXXX ). Over the course of a year, I have been requesting the updated calculations over the phone at XXXX XXXX XXXX. Beginning in XXXX, I was told that my request had been put in and to wait 30-XXXX days, again in XXXX I was told to wait another 30-60 days. We are now in XXXX and I have not received an updated calculation. As I am now nearing the end of my qualifying period, I require an updated calculation. I am receiving as I type the same information and no movement toward calculation of my remaining qualifying payments. Though I have paid for over 6 years and made all my payments, their online tool and their representatives show I have 110 qualifying payments remaining as though I have *only* paid 10. This is very very very incorrect.
Product: Credit reporting or other personal consumer reports

Transunion has a variety of items on my report that arent mines and alot of fraudulent activity I also had stolen identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, i am sending this dispute in regards to a recent dispute i received in the mail. I received a letter stating that the my dispute was " verified ''. There is no possible way the information i disputed was factually verified. The reason i am stating this is because i am unaware of the accounts and inquiries that i listed on my dispute. Secondly i am a victim of identity theft. Third of all my personal information was leaked in a recent breach, and several other breaches in the past where i've mentioned it in the past but to no avail you considered to reject my request for a fair internal dispute and i was affected by them. I am in distress i have lost my job do to the fact of identity theft along with inaccuracies listed on my credit file. It has affected me and my family tremendously and i honestly that my credit file is being mistreated and i am being violated of my rights as a consumer. I am now leaning towards taking legal actions against your company. You have violated several laws within the FCRA, FACTA, MIB, and  more. I will list the violations to assure you that i am well educated on how a credit bureau mistreats a consumers file. I will be sure to sue you for every mistake that is listed on my credit file and seek damages in a total of {$50000.00}. I have copies of every dispute that was sent and ignored, along with the famous generated verified letters that credit bureaus use to keep inaccurate information on to consumers file so that you can bank on it. I've been harassed and treated unfairly by customer service reps and supervisors at your company and i have the names listed and written down prepared when its time for litigation. I also feel that i was treated unfairly due to my race, i was asked several questions that left me uncomfortable and emotional. I am really XXXX at this point and awaited to hear from you. I have file a complaint with the FTC, attorney general office, and the XXXX XXXX Civil Court awaiting the trial date. I will be sure to have my lawyer send a copy over to your company to ensure this matter is handled by a judge. I am suing for violation of mistreating my credit report, i didn't authorize anyone from the credit bureau to view my file, several violations in the FCRA was broken. There was no proper procedure taken to actually go through the dispute process and i honestly feel that my dispute was placed through a computer and not a human being, a generated verified letter isn't a human being looking over a credit dispute. I want a human being looking at my file and i want to see handwritten signature on my updated credit report. The fraudulent accounts are listed for dispute are 1. XXXX XXXX 2. XXXX XXXX # XXXX 3. XXXX Acct # XXXX. 4. XXXX XXXX 5. XXXX XXXX open XX/XX/XXXX paid 6. XXXX XXXX {$14000.00} Paid in Full. Fraudulent Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX My FTC Report Number is FTC Report : XXXX. I have sent over a copy of the lawsuit certified mail you should receving the letter within a few days.
Product: Debt collection

ATTEMPTING TO COLLECT A DEBT PAST THE STATUE OF LIMITATIONS JUDGEMENT DATE XX/XX/2012 In accordance with the Fair Credit Act Credit Acceptance Corp Case # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy Being a Resident of XXXX; Under Wisconsin XXXX XXXX, the statute of limitations on open accounts and written and oral contracts is 6 years. The statute of limitations on promissory notes is 10 years. Wisconsin law prohibits any collection efforts on accounts where the statute of limitations clock has expired. This rule applies to original creditors and collection agents. 
Under Wisconsin XXXX, a creditor may not file a lawsuit on a debt after the Wisconsin statute of limitations expires. If a collection agent or original creditor attempts to collect expired debt create a cause of action under Wisconsin law as well as under the federal FDCPA because any collections actions misrepresent the legal status of the debt.
Product: Credit reporting or other personal consumer reports

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.

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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a request via certified mail ( Tracking Number : XXXX ) to investigate unauthorized credit inquiries on my consumer report. However, I have not received a formal response or a certified investigation from XXXX. 

The following fraudulent and unauthorized inquiries are still being reported on my consumer file and are negatively impacting my ability to obtain a mortgage loan : XXXX XXXX  XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604, all users must have a permissible purpose to obtain a consumer report. Section 604 ( f ) specifically prohibits any entity from obtaining a consumer report from a credit reporting agency unless they have certified the permissible purpose for which the report is being obtained and confirmed that it will not be used for any other purpose. 

I formally request that you provide me with documentation certifying the permissible purpose for these inquiries. If no such documentation exists, I demand the immediate deletion of these inquiries from my credit file. 

Please update my consumer report accordingly and send me a copy of the revised report reflecting these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address History : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Correct spelling XXXX XXXX XXXX This information is incorrect
Product: Checking or savings account

XXXX sold my mortgage account to M & T Bank. I decided to open a checking account online with M & T Bank. I entered my information ( including my SSN ) and other information. My Mortage account and checking accounts are linked. That same day of opening the checking account, I was allowed by M & T Bank to fund my account with {$250.00} via a credit card ( not sure if that is legal? ). 

I've held the accounts for 3-4 months. I recently inquired about closing my account and withdrawing my funds. The bank replied that it would cost {$50.00} to close my account early plus additional fees for mailing a check. The bank then stated that my account was frozen ( so that I couldn't withdraw ) until I submit verification forms of Social Security Card, Utility Bill, Drivers license. I contacted their verification department, and made the point that I was able to open the account and deposit money, so I should be verified since I gave them my ssn and they have a mortgage account for me already. The verification department refuses to unfreeze my account until i " Provide my original social security card '' to them! I told them that I was uncomfortable with doing that and then they emailed me saying, " We need your original Social Security Card and a current bill. The hold will remain on the account until we receive the requested documents. ". Every time I talk with them the verification forms they are requiring changes and I'm not sure why. As provided above, I do not want to give them my original security card as they're demanding but they're refusing to unfreeze my account so that I can close it out which seems pretty shady. Please help with this, I also dont want to take on their huge fees in closing out early and will wait a few months to do so without a fee, but I cant do anything until the account is unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Synchrony bank about my Amazon  credit card account. The letter stated that my credit limit with Amazon was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with Amazon  or the financial institution before. When I called Synchrony to find out what the problem was, they told me that I had to call XXXX  ( reporting agency ) to dispute the information in the letter. I informed them that I pay Synchrony Bank and not XXXX  for my Amazon  account. Synchrony had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give Synchrony permission to run my credit report, when I have an open account with them. I did call Synchrony, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XX/XX/2020. I want this complaint to be filed against Synchrony Bank and if possible against XXXX. The information that XXXX  reported is incorrect, and I want it removed. I called XXXX  and their operator was not in the United States, and they could not even communicate with me about my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans that were being serviced by XXXX XXXX, were transferred to XXXX. Since then, XXXX has been reporting on the loans as my new student loan servicer. My problem is that Equifax refuses to remove the XXXX XXXX loans from my credit report, despite those loans no longer existing with XXXX XXXX. This has resulted in double reporting the same loans and making my debt balance appear falsely high. They are currently reporting the XXXX XXXX loans ( that were transferred to XXXX ), and the XXXX loans. I have disputed the XXXX XXXX accounts XXXX and both times, despite providing adequate documentation, they refuse to remove the information from my credit report. I am told that the reason they are not removing it from my credit report, is because the lender has authenticated the loan, which is not true. I have reached out to XXXX XXXX, and they guarantee me, that I do not have anything under my name in their system and that nobody from Equifax has contacted them. 
Both times that I have filed a dispute with Equifax, at the end of the dispute, they falsely update the last reported date from XXXX XXXX on my credit report. The last reported update is always on the day the dispute was closed. 
The credit report from Equifax attached will show that the XXXX and XXXX loans are the same. If you look at the corresponding account number for each loan, you will see that the date opened and high credit amount are the same for both XXXX and XXXX XXXX. 
I do not have this issue with the other credit bureaus, only Equifax is doing
Product: Credit reporting, credit repair services, or other personal consumer reports

Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple XXXX, including a particularly significant fraudulent charge on my Apple Credit Card issued by Goldman Sachs. 

The account details for the fraudulent charges are as follows : Account Name : APPLE CARD/GS BANK USA Account XXXX : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, XXXX, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent Apple card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent Apple card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, 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
Product: Checking or savings account

I have tried to reach out to XXXX XXXX XXXX for the past 3 months, to find out that the company for closed for taking advantage of service members. I purchased a XXXX indash navagation system for almost XXXX dollars In XX/XX/2011, which all I wanted was a receipt for the purchased for a police report. The company that purchased XXXX XXXX ( XXXX ) states that they do not have any information for my account.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX and notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. 
These accounts are listed below XXXXXXXX XXXX XXXXXXXX / XXXX Credit Card Open date is not reporting correctly, date last active, date of last payment is not correct, this account was never late, this account is not accurate. 
XXXX XXXX XXXX Creditor agree to delete this account after the last payment, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the las payment, this account is not accurate.
Product: Student loan

I 've been given false information about paying back the loan. The original payment I was making for the first few years of the loan was not adequate to have the loan paid off in the original term. I was then told I need to increase my payment in order to 'catch up '. The payment amount I 'm making now is not equal to the statement amount they send me. Also the payment schedule does not make sense based on my own math. I 'm concerned my payments are not being applied correctly to my loan.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 
\nI demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$750.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$3700.00} XXXX XXXX Reported : XX/XX/XXXX {$52.00} Below are the fraudulent inquiries as followed : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX 2023
Product: Prepaid card

I received an Amex eGift Card for my birthday. This the paper it came in when my dad bought it in person.

I clicked the link to validate and print the card, which loads https : //balance.amexgiftcard.com/ # /account and shows a balance. I successfully used this card at XXXX and target before I made big purchases online with it, mainly on XXXX and XXXX. 

And the transaction is declined. Multiple failed accounts when initially it will go through, until it says there is action required or anything else. 

I tried at multiple large online marketplaces such as, XXXX, XXXX XXXX, XXXX, XXXX, which all unfortunately resulted the same way. 

I reached out directly to AMEX, because clearly it is a problem on their end if I can purchase online via any other card, and on the transactions, it would show up as an issue even with sufficient money in the account. 

I can not use my card and I feel pressured to use it at XXXX, because it seems as though that is the only place that works, but thats not the type of card that was intentionally purchased for me. 

Many people have reported having this problem starting this past year.