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 {$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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I noticed 12 authorized transactions under my credit builder transaction history on my chime account. Some were processed some were still pending. There was all little random amounts adding up to around XXXX . I made a dispute and they emailed me saying there is no billing error and they going to email me what they used to come up with there decision. I have yet to see it. Im just so upset Im not rich I work hard for my money for someone to take it and my bank that I been with for years to say theres no error. So I called them after seeing the email I called and asked why didnt they approve my dispute they said All they can do is give me the information that they use to come up with their decision or they said I can do a rebuttal but I have to come up with new information that I didnt give them the first time so I dont have any new information because I just checked my account one morning and I seen all these transactions so I just called them and reported it and then that was it
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 there was a transfer to my savings account in the amount of XXXX dollars, that should have been available to me immediately. The XXXX dollar transfer still remain in a running status today. I spoke with a Navy Federal employee who stated to me there is a security hold on my end and I would need to speak with Security Operations. I was placed on hold for 45 minutes, I disconnected that call and place another call soon after. I spoke with another employee. I asked to speak with a supervisor. I spoke with a supervisor by the name of XXXX who could not resolve this issue and to be honest dont think he actually cared. I explained to XXXX this XXXX dollar transfer isnt available to me and is still in a running status. He stated there has been a lot of fraudulent transactions and there are security in place. I stated to him there was another transfer from the same individual to my account in the amount of XXXX dollars this week that was processed and available. He stated to me the individual need to call in and release the hold. Whats odd is I have received several conflicting statements from this institution regarding this transfer in the mean time, the XXXX dollars that was withdrawn from the other party account is in the hands of Navy Federal but they refuse to release it to me and has not gave me a valid reason. I did ask XXXX why would you release a XXXX dollars but not the XXXX dollars transfer from the exact same individual. He could not answer that question. I sailed him to transfer me over to someone that could answer that question. He stated there was a 2 hour wait in the security operation dept. I asked for his supervisor he stated he could not give me that information. I asked for his id number he stated he could not give that information. I stated I would be filing a complaint and disconnected the call. I have been banking with this institution for 24 years and never had a problem with a transaction or transfer from this individual that has been making transfers for 20 years so there is no reason for this to happy. I would like my funds to be released immediately and I will be closing this account soon after.
Product: Vehicle loan or lease

i purchased a certified XXXX XXXX with XXXX miles, XXXX miles later the engine needed a full replacement. they didn't want to honor the factory warranty which is good until XXXX they claimed the vehicle had been flooded meanwhile it was a mechanical failure. my insurance paid {$20000.00} for the new engine and i paid {$2000.00} deductible. the car never had enough miles for a service appointment. fast forward three months later with a new engine that has 2 years warranty, the car experienced the same issue now with XXXX miles more, still not needing a service appointment because it had not reached enough miles for an oil change. they claimed the same issue once again to not honor the warranty ( s ) neither the factory warranty or the new engine warranty. this time around the cost would be {$14000.00} with a {$2000.00} deductible. my insurance is stating it is a mechanical issue and not flooding, i contacted Mercedes Benz USA to have them buy back the vehicle and they refused not stating a reason why. the car has been in my ownership 7 months and has required over {$36000.00} in repairs not covered by them and the vehicle value is {$52000.00} at this rate i will end up paying for this vehicle twice because it is a LEMON
Product: Checking or savings account

I tried an ATM withdrawal and it said I have insufficient funds. I checked my balance and it says - {$99000.00}. I know there are funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite 7 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of FTC REPORT ATTACHED XXXX XXXX XXXX XXXX Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX calls about a {$5000.00} loan that Ive never had to make arrangements to pay or have judgement & wage garnishment. Couldnt give any details except amt, opened in XXXX, defaulted in XXXX, with Citibank. They gave me my name, address and last 4 digits of my ss #. It scared me. After being pressed on where they were located, what were the payment amounts, etc. The woman got frustrated and said Id receive all of that info in court and hung up on me. Ive called back several times and everyone that has answered has an American accent but wont give me any details about who they are, just threats. With them having the last 4 digits of my ss #, do I need to worry about identity theft?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 
XXXX XXXX Account numberXXXX XXXX  XXXX Account number : XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and hard inquiries are fraudulent and due to identity theft, which is shown in my FTC report. I have enclosed the following documentation to support this request : FTC Report, CFPB Complaint, Drivers License, Birth Certificate Thank you for your time. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and XXXX kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. TRANSUNION credit report got worse. I have over 100 inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX children. Im getting medical bills out of no where fake guarantors numbers, data breaches from Warning Signs Early, TRANSUNION has credit wise capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and TRANSUNION is showing up differently over 50 times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, XXXX XXXX XXXX XXXX then, my kids medical information compromised, XXXX already repetitively getting data breaches from them shows : intersections, 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 NOT DONE BY ME OR ISNT MINE ALL XXXX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO XXXX 3-4 in the last 2 years. XXXX wont give me access to my credit report with the correct information, there is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to compromised former business XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  sister and I noticed that our identities are mixed up in all three credit bureaus ( XXXX, XXXX and Equifax ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX DOB : XX/XX/1995 SSN : XXXX My Twin 's Identity is : Name : XXXX XXXX DOB XXXX XX/XX/1995 SSN : XXXX
Product: Mortgage

I would like to file a complaint against PenFed Credit Union. I apply for a refinance in XX/XX/2020, I was advised it would take up to 90 days which was fine with me, the 90 days should be in XXXX, then I was told it would be in XXXX, then it would be in XXXX then move to XXXX to XXXX then XXXX then XXXX here I am in XXXX and still cant close. I sent the requested documents several times ; each time I called I was given a different excuse and I would have to resubmit the documents again in XXXX they gave a closing date of XX/XX/XXXX, less than 24hours they call to say my documents expired. and my will will be delayed. 

I ask them several to please refund my appraisal fee since it was no fault of mine for the delay and long wait they refuse. One of the expired documents was the appraisal report. 

I call and leave several messages with the manager XXXX XXXX, she refused to take my calls or respond to me. 
They finally sent me a final closing and they are charging me $ XXXXfor a new Appraisal report which I paid $ XXXX in XXXX for the Appraisal report. 




I would like you please assist me in this matter, looking forward to a speedy reply Thank you XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

XXXX XXXX XXXX  stolen money using Wells Fargo data
Product: Credit card or prepaid card

We purchased a complete XXXX package last spring and was sent a {$700.00} dollar reward debit card XX/XX/XXXX. During that time my wife 's mother became ill and had to be hospitalized. That involved several months and she later passed away. Then my wife and I got XXXX and that took up the rest of XXXX and into XXXX. She forgot about the card and ran across it in XXXX of this year. It was expired. We called XXXX and they say they paid the {$700.00} dollars to Bank of America and to call them. We called and told Bank of America the above. Customer service said she would issue another card with a new expiration date. She even confirmed the amount of the {$700.00} and stated it would take a week. It came in XX/XX/XXXX with the same card number but with a XXXX expiration date. We tried to activate the card on XX/XX/XXXX and they said it had a zero balance. I called back to Bank of AMERICA, but they said the money was taken by the bank because of the expiration date of the original card. They kept my {$700.00} and did not sent it back to me or XXXX. I think this wrong even in a normal year, but at least they should consider the year our country was in last year. All I'm asking for is the {$700.00} that was mine in the first place and not the bank 's.
Product: Mortgage

When we saw their TV add I called and was assigned a representative aproximatel0y XX/XX/2020, a Mr. XXXX XXXX.. After several calls back and forth he said he required certain disclosures and told me to email them to his private email address ( XXXX ), which I did. At some point he then referred me to his assistant XXXX XXXX collect " missing '' copies of what I sent. I sent them everything they requested including a " required '' {$450.00}. for an appraisal of my home. We complied. 

Three months later they claimed they were missing most of the documents I sent. XXXX then turned over the collection of my documents to Ms. XXXX witch I did. The final straw was and email form Ms. XXXX saying she lost my documents and Mr. XXXX stopped communicating with me. 

I emailed him back saying I was going to file a grievance with my crdit card company for a reversal if the {$450.00}. which I did. Now the credit card company reversed the charge, then reinstated it. I Believe we were duped by their incompetence and SOFI 's persecution of the collection of my {$450.00}. 

Our request was only for between $ XXXX..and {$100000.00}. on our home appraised at {$350000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as transunion, XXXX and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX 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 card

On XX/XX/year> I was notified that my XXXX XXXX credit card issued by Barclays bank was charged for {$13000.00} and {$1000.00}, I did not make these purchases. I received a text message asking me if I recognized these charges to which I replied no. A Barclays agent called me and said that both charges would not go through and I wouldn't be responsible for those charges. 

The full {$14000.00} still showed up on my statement balance. Since the incident, Barclays has closed my credit card account. When asked about the incident, they reaffirmed that even the account has been closed, I would not be responsible for the charge. 

Today, XX/XX/year>, I was notified that my XXXX checking account was charged for the full amount of {$14000.00} since the previous autopayment I set up with Barclays. After checking the online system with Barclays I saw the {$14000.00} even incurred an interest of {$340.00}.
Product: Credit card

I had a billing dispute with this merchant XXXX from XXXX XX/XX/year> for merchandise not received. 

Dispute # XXXX Reason for dispute - Unrecognized charge ( this is what citi filed it for when i clearly stated its a BILLING dispute and not a FRAUD ) I had called citi to file a dispute and the ridiculous rep filed a dispute for fraud when it was supposed to be a billing dispute. Now, citi comes back to me and says customer is responsible for the charge and provided me docs from the merchant which doesn't state anything about proof of delivery but just about who initiated the transaction so clearly citi went to the merchant saying its fraud and the merchant denied. I tried to reopen the case but I cant and citi is giving me hard time. I am done dealing with their ridiculous customer service. I was told by citi that you will receive a letter and the letter i received clearly states that if you dont agree with this decision and want to file a fraud, sign below which makes no sense at all I never received my goods from this merchant and there isn't any proof of delivery either, no picture nothing so I want to get my refund from the merchant
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX : {$870.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$0.00}