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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX / XXXX XXXX Balance : {$XXXX}, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX/XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX/XXXX  XXXX  XX/XX/year> 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: Prepaid card

I received an AMEX gift card as a gift. I first tried to add this card to my XXXX account, but it was declined and I was told to reach out to the issuer of the card. I tried calling multiple numbers for AMEX Customer Service and reached an automated message with teleprompter most times. This did not help because there was no teleprompt for the specific problem I was having. I was able to reach a real person but was transferred immediately after asking the question on how to use this gift card with my XXXX account. I also recently tried to use this card on multiple websites and it has been declined each time. There was no reason given for the decline and it's been a very frustrating experience to attempt to use this card. I also do not want to use this card in a real store for fear of embarrassment because of the possible outcome of being declined. All in all, I have {$500.00} that I want to spend but seemingly can not. It is extraordinarily frustrating.
Product: Credit card or prepaid card

My wisely will not let me have an account with temp companies due to an hour issue with a cash load of XXXX they said I trued but I dint think I tried to look ad that much that's above the legal limit of I did try to load that much cash the cash like loading location should have denied it. Who XXXX it didn't. If I trued to look ad that much. That is since the card loading limit. I still had a card because I was still technically employed with people ready in another location and labor finders I just had to update my driver 's license which had expired. When I renewed it it shut down my card. The XXXX facial.recognition software recognized the difference between my old license pic and my new one. I guess my wisely didn't.
Product: Credit reporting

Trans union I spoke to a rep. regarding my file and fraudulent inquires and bankruptcy that is listed on my file today. I was told that they have not received no documents from me. I have sent Trans union my identity theft police report three times along with my ID and other documentation regarding my disputes. Certified letters via US POSTAL SERVICE ( tracking # XXXX. And once by regular mail. I also called in the last three months disputing my credit file with a fraud specialist, only to receive the same results no bankruptcy or inquires removed, with a statement verified its yours contact the creditor directly to resolve. I have contacted these companies, their response to my letters all states, I had apply for an account online AND WE WILL NOT REMOVE THE INQUIRE. I sent letters the court house were the Bankruptcy located, no reponse. I have also opt out from any and all promotional inquires last year with Transunion. I noticed that XXXX inquire was just pulled on XXXX/XXXX/2016. I have filed a identity theft report with FTC.gov. I have place fraud alerts on all my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires made on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are inaccurately reporting an account on my consumer report. On their reports it is showing as late however I was never late ( see attached exhibit a & b ). I have disputed this information before and they are not complying with the FCRA. I have also requested the a description of the methods they used to " verify '' that I was late and they never provided it to me.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report 1. Account Name : 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: Payday loan, title loan, or personal loan

Received and accepted an offer 2 mo ago to open a " Flex Loan '' with " fixed rate of 9.99 % '' & " monthly payment of {$96.00} ''. Before I accepted the offer, I paid off all debt on the Citi card from which the offer initiated to start with a XXXX   balance and maximize the low interest rate of the " loan '' up to my credit limit on my Citi acct. 
Citi changed my loan payment by 17 % immediately, by 26 % on the first statement and by 35 % on the 2nd statement. They first said the variance was interest. I told them a loan payment includes both the principal and the interest : that's what a fixed rate loan is : your monthly payment is always the same. Then they said I had additional charges on my account. I didn't and my statement indicated so. Then they said there was a {$25.00} " minimum fee ''. I told them again, my payment is far over {$25.00} but there is no minimum or maximum payment on a loan. The " minimum '' is the payment amount ; you pay the payment amount or default. It includes interest. If you pay more than that it goes toward principle. If you charge me more than the loan amount and don't credit it towards principle, you're charging me interest on the interest and your advertised 10 % fixed rate APR is false. 
I was never late on a payment ( which they didn't deny ). It's set to autodraft. This is inexplicable by any math. My math : Loan AMT x APR of 10 % x years in the loan term = total interest to be paid. Total interest + loan amount = total amount due over term of loan. Total AMT due / # of mo in term = monthly payment. 
They went back & forth to their payment calculators several times coming back with a different amt the payment should be & nonsensical explanation every time. This is arithmetic. It doesn't require a calculator but noone at Citi ( spoke to 3 supervisors ) can follow it. Or so they'd like you to think. 
This is what's going on : I had next to nothing on that card bec of the bad 27 % interest rate ( advertised as 12.9 % ). So they advertised a false " loan '' product to get me to move funds over from another card with what should have been a higher interest rate and then changed the terms immediately so that the " loan '' rate ends up being worse than the interest rate I'd pay even on the higher interest Citi card, had I been using the card and making direct purchases regularly. Citibank : you pay 27 % interest off the bat on purchases, or they trick you into paying 35 % on a false " fixed '' rate " loan '' product. Predatory Crooks the type that crashed the economy in 2008. Please remove their licenses.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts listed on my credit report that are inaccurate and unverifiable. These accounts have been previously disputed, yet they have been returned as verified without any tangible evidence or proof that the information being reported is accurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is 100 % accurate and verifiable. 

The following accounts are being disputed 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 Under 15 U.S. Code 1681i , the FCRA requires credit bureaus to conduct a reasonable investigation when a consumer disputes the accuracy of an item. However, you have failed to provide me with any proof or documentation from the data furnisher to substantiate these accounts as valid. Simply marking the accounts as verified without any supporting evidence is not a reasonable investigation as required by law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are obligated to ensure maximum possible accuracy in my credit file. Without documented proof of the debts, these accounts can not legally remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXy is reporting a debt on my credit report that is not mine. This account is a fraud account and not mine. I have never had an account with XXXX XXXX or ever received any cameras, or systems in my home. This is a mixed file and I demand this account to be removed off my credit before the next call I make will be to my attorney.
Product: Debt collection

i cancelled my phone with XXXX no service but they charged me anyway for months without any service or active line then few years go by then a account show up on report as late XX/XX/2023 and collection status by jefferson capital
Product: Money transfer, virtual currency, or money service

My phone number was stolen by others on XX/XX/2022. My phone was out of service started that day. I contacted my XXXX company while was informed my XXXX account was stolen by others. I was advised to lock my bank account. Then I locked my bank account through the phone. However, I received an email which indicated that someone opened a new account under my name and changed my mobile account information ( passwords and email ) on XX/XX/2022. 
I contacted Bank of America immediately and told them to close the new account. I was informed the new account was closed. 
At the same time, I reported this issue to the police, however, was not accepted by the police officer due to lack of evidence. 
I went to the BOA onXXXX to update my phone number and email. I checked my account the same day then found out my money was still in my account. While I discovered the account that I requested to close was still available. I requested to close the account again, but was informed they can lock the account instead of closing it. Furthermore, I was informed all my accounts were locked and my accounts were safe. 
On XX/XX/2022, I checked my account again but found all my account balance became XXXX! I went to BOA and found my money ( XXXX ) transferred to the new account which was not opened by me! In addition, the amount of money ( around XXXX ) under the new account was transferred to someone ( I dont know ). I did not receive any help from the staff and was informed to file a complaint. I requested to withdraw all the rest of my money! But got rejected! They even cant promise my money can still stay in my account. 
On XX/XX/2022, I went back to the bank for help and successfully withdrawn all the rest of my money. However, the XXXX was transferred out to someone through XXXX! Bank of America was not willing to prove any evidence or letter for me to report to the police! I was informed to wait for another department at their bank to send me a notification letter. But I waited for 1 week but did not receive anything!
Product: Credit reporting or other personal consumer reports

XXXX XXXX - - Credit card XX/XX/XXXX Closed Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Balance {$1100.00} Status Status updated Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - - Credit Card XX/XX/XXXX Closed Account charged off. {$4400.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$40000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Home Imp Loan XX/XX/XXXX Closed Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX - - Unsecured XX/XX/XXXX Closed Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Line of Credit XXXX XXXX, XXXX Closed Account charged off. {$7300.00} written off. Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$9300.00} written off. {$9300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non speci, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

4 weeks ago I changed phones and downloaded the chime app to my new phone I logged into my account and noticed I could see any of my information so upon further instructions I called the number they provided for help they closed my account with money in my account I emailed their support staff and sent them many documents some they didnt even ask for and the emails have gone back and forth for 4 weeks now every day they ask for something and I provide it and still my account is closed I dont know what else to do about this
Product: Mortgage

My cares act forebearance ended XX/XX/XXXX, I filed XXXX mortgage assistance program XX/XX/XXXX as told to do so 30 days prior to forbearance ending, I've been submitting all the documents needed my award letter for the VA and SOCIAL SECURITY XXXX, MY WIFE 'S PAY STUBS AND BOTH OUR BANKS STATEMENTS SINCE XX/XX/XXXX, LAKEVIEW LOAN SERVICING, KEPT SAYING THAT THEY WERE NOT RECEIVING THE EMAIL, EACH REPRESENTATIVE THAT I TALKED TO KEPT GIVING ME DIFFERENT EMAIL ADRESS, FINALLY I SENT THE DOCUMENTS BY XXXX, NEXT DAY DELIVERY, CERTIFIED XX/XX/XXXX, AND THEY STILL SAID THEY HAD NOT RECEIVED THE DOCUMENT THEY WERE SIGNED FOR XX/XX/XXXX XXXXI HAD TO RESEND THE BANK STATEMENTS AND PAYSTUBS AGAIN FOR XXXX AND XX/XX/XXXX AND THEY STILL DELAYING, I BELIEVE THAT THEY ARE USING STALLING TACTICS,
Product: Vehicle loan or lease

I've been paying for a XXXX XXXX XXXX from Carmart, Inc. XX/XX/XXXX, the transmission went out. I paid for the tow, had it sent home. Next day I call Carmart about it, they say they will try and have someone come pick the car up for repair ( under warranty ). XX/XX/XXXX, I call around noon and they tell me they forgot to send someone out. The car is finally picked up XX/XX/XXXX ( I believe? ). A few phone calls go by. XX/XX/XXXX, I call wondering where my car is at. The manager and I start arguing. She threatens to throw a bad transmission in my car and give it back to me so I have to pay another deductible, then proceeds to tell me she can keep the car completely while still making me pay for the car. I pay every two weeks, {$100.00}. I try to call customer service and they can't get ahold of me for 5 days due to " having the number wrong '' even though I confirmed the phone number when I spoke to whoever at customer service. Finally XX/XX/XXXX Carmart calls me and tells me the car will be there " within the hour ''. I was at work at the time, and needed to plan ahead. 30 minutes go by and I call back wondering if they got it yet to which she replied, " I said it will be an hour! ". 30 minutes later, she calls and says the car is there then hangs up. I get dropped off by my manager , drive the car back to work. Immediately I notice that the clutch is loose compared to before ( a rebuilt transmission/clutch should be more stiff I would think ), and a rattle after I approach 2800rpm. I finish work , drive home. Next morning, I check the oil, and there is NONE on the dipstick. I take the car to Valvoline immediately for an oil change. They say the transmission is leaking. I call Carmart to tell them  what I find out. I drop the car off the next morning, XXXX XX/XX/XXXX. I waited until XX/XX/XXXX to call the transmission shop directly ( XXXX XXXX  XXXX XXXX ), when they told me that while the trans leak was simply a bolt they didn't tighten to spec upon rebuild, a rod is knocking in the motor and requires a replacement motor. But, so he says, you can not pull a motor from an XXXX XXXX and put it into a Manual, and that the " Manual motors '' are a needle in a haystack. So I'm still waiting for my car back, while still up to date on my payments. Only, XX/XX/XXXX I owe a " tax payment '' of {$340.00} which I'm now unable to pay due to paying twice as much for gas if not more for a minivan that we are borrowing from family, who is now at the loss of a vehicle because of this too. I've also been paying for insurance on a vehicle I do not currently have, and when asking Carmart about a possible loaner while they service my vehicle under warranty, the manager tells me " they ain't no XXXX! ''
Product: Credit reporting or other personal consumer reports

Please remove fraud alert from all 3 credit bureaus ( Equifax, XXXX, & XXXX ) account in order to obtain funding for homebuying shopping.
Product: Credit reporting or other personal consumer reports

There is an account on my XXXX credit report that I have disputed several times, and they will not remove. The other XXXX credit bureaus have removed this account with the evidence that I have provided. The amount is from Moneylion and is for {$220.00}. There is actually another Moneylion account on my report for {$280.00}. However, when I log into their app and when I call them on the phone, they tell me that I owe a completely different amount than either one the credit reports show. I have tried to contact Moneylion via phone and email where I requested the status and where this dollar amount came from. The accounts are different across all three credit bureaus and no one can seem to give me an answer. Attached is the email that I sent to Moneylion and the amount owed stated by their app.
Product: Credit card

I had asked why they were not following new regulations on {$8.00} XXXX  for late fees. They said no such regulations exist and that I had to pay the {$30.00} late fee for my first offense.
Product: Debt collection

On XX/XX/2021 I received a very threating letter from CREDENCE XXXX XXXX XXXX, XXXX XXXX XXXX TX. XXXX. This is regarding a creditor DIRECT TV LLC REFERENCE NUMBER XXXX. FOR A BALANCE OF {$390.00} This is not my debt and I feel harassed about the company writing and suggesting the debt is mine.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my serious concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These inaccuracies are causing significant harm to my financial reputation and overall well-being.

The fraudulent items in question pertain to exist in my credit report as fraudulent or inaccurate. These inaccuracies have had a detrimental impact on my credit score and have caused considerable emotional distress and inconvenience.

I wish to bring to your attention the extensive steps I have taken to address this issue : I have submitted multiple dispute letters to your credit bureau. These dispute letters included detailed information about the fraudulent items, supporting documentation, and a clear request for their removal.

In accordance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items.

I completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), as part of the process to rectify the fraudulent items on my credit report.

I have diligently contacted the relevant creditors associated with the fraudulent accounts, providing them with documentation to dispute the charges and request their cooperation in resolving the issue.

Despite these comprehensive efforts and the provision of all requested documentation to substantiate my claims, I am disheartened to see that the fraudulent items persist on my credit report. This ongoing situation is not only damaging my financial stability but also causing significant emotional distress.

I urgently request your immediate attention and action to rectify this matter. I implore you to : Investigate the fraudulent items reported on my credit report and verify their accuracy.

Promptly remove the fraudulent items from my credit report and provide me with written confirmation of their removal.

Review and enhance your internal security procedures to prevent similar fraudulent items from affecting consumers ' credit reports in the future.

Failure to address this issue promptly and effectively may compel me to seek legal remedies to protect my rights and seek redress for the damages incurred. I believe that immediate resolution is essential for the benefit of all parties involved.

Please consider this letter both an official complaint and a formal request for urgent action. I expect your immediate response within the exact timeframe from the date of this letter. I am asking for your immediate assistance to remove these following fraudulent items : 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 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX & XXXX BANK XXXX Balance : {$580.00} XXXX XXXX XXXX & XXXX BANK XXXX Balance : {$580.00} XXXX : XXXX & XXXX BANK XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX user. I believe that I was involved in their predatory lending scheme. I was told on many occasions, but I applied only a few times, that I was pre-approved and had great approval odd for cards according to my XXXX  score. After I applied to those same companies that displayed the card I had supposedly been approved for, I was denied. So, I was misled because they lied, to get me to apply when in fact, had not been approved for any of the companies. Inquiries are still on my credit report after I was told that it would not affect my credit. 

I only have the emails to approve the solicitations.