23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : XXXX XXXX XXXX XXXX acct XXXX XXXX Acct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i contacted Chex Systems to request that the company place a security freeze and refrain from sharing any of information about myself, XXXX XXXX. I did not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. I would like to have my entire credit profile removed from the data institution.
Product: Checking or savings account

Well I have not had an account with chase bank since 2017. Well I went online to see if I can apply to open a new account and it already said that I had a username registered. So I called and asked why is it still showing that I have an account profile when I dont have an account. So they put me on hold then an automated message said that they were closed. Now they dont closed until XXXX on Saturdays. I feel that someone is impersonating me and I have been a victim of identity theft as well and no one has ever helped me.
Product: Credit card or prepaid card

I have had the account with this company for years never had any issue now that i decided to use my right and features of having this card and add authorized users to the account my account gets labeled with " Frivolous Fraud '' hindering my ability to use the account this issue has been going on for almost 3 months they have requested documents of my current authorized users once i sent it in they know claimed they needed information from those who aren't even on my account any further, then i sent that and it was a so called issue of not being able to read the documents once sent again the continue to give me XXXX excuses and never once asked to verify my information as the account holder im beyond fed up this company has no issue taking my money but has an issue communicating what the issue is with my account I will be filing a civil suit against this company since they don't seem to be able to get this resolved and think there going to have me running around in a middle of a pandemic this has gone on way to long and this is the final straw this seems to be a case of discrimination after conversing with every representative I have now enough proof and evidence to file my claim against this company for discrimination and being prejudice. This has caused me more harm and XXXX  to my XXXX and all this XXXX  i will seek damage for if this isn't resolved within 15 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX  : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX  XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Checking or savings account

XX/XX/2022 i was charged for {$99.00} by XXXX  they scammed me and wrongfully charged my account i called chase and asked to cancel the pending charge but they informed me i had to wait till it went through and they gave me my {$99.00} back the next day today on XX/XX/XXXX chase denied my claim took {$99.00} overdrafting my account- {$20.00} and are refusing to give me the money they stole, i just want my money back
Product: Mortgage

Wells Fargo offered the ability to withdraw mortgage payments on days I choose. I chose to remove half the payment on one  paycheck day and the other half on the other pay day.. I get paid twice  a month ... I sent the letter in and left the account servicing to Wells Fargo which did not happen. They removed half the payment on the XXXX of the month and then stopped ... the other day was supposed to be the XXXX.. however the account was not paid in full by the XXXX so they didn't remove the next half. I was overseas and didn't have the ability to check my account daily. in addition the phone number that Wells Fargo had as my primary was in error. they had the correct number but never tried it. they kept trying to use the wrong number ... I was never aware that the auto debit withdrawal program I was on with Wells Fargo was not working correctly. I didn't know when they received the letter and had no idea how they were going to make sure the mortgage payment was to be managed ... it is taken out normally on the XXXX of every month in one lump sum.. however as I mentioned previously they offered the ability to have it taken out to coincide with days more beneficial to my own personal finances. I explained in numerous complaints that they service my escrow account for my mortgage by paying property taxes and homeowners insurance on time and in the correct amount so why is it that they cant figure out how to auto withdrawal my mortgage correctly? no warnings nothing to let me know the account was going to be 30  days late. they refuse to remove that credit hit costing me about 55 points or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. A Collections account from XXXX XXXX XXXX XXXX. Original Creditor Name : XXXX XXXX in the amount of {$2700.00} that was wrongfully reported on XX/XX/2022. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting

There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.
Product: Vehicle loan or lease

On XXXX XXXX I submitted a vehicle loan application and I was approved for {$23000.00} with a 5 % interest rate. I received a call from a representative on behalf of Navy Federal Credit Union requesting a resident card/document. I sent an email with requested documentation on XX/XX/XXXX XXXX XXXX  and XXXX XXXX. 
I was denied, Navy Federal Credit Union could not verify credit accounts. On XX/XX/XXXX I was approved for a XXXX XXXX  XXXX the credit account is under my name along with my credit information with Navy Federal Credit Union. The same required documentation was provided with no issues or request of additional information. 
On XX/XX/XXXX I called Navy Federal Credit Union for clarification as to why I was denied. The representative I spoke to said they asked for my Social Security card but couldn't use it. Therefore, they would need a permanent resident card, or employment authorization card, and/or a bill. When I ask if I provide a bill will it suffice, the representative said no they will still ask for a permanent resident card because my Social Security card said for work authorization only. Now, when I ask why I was given a vehicle loan in XXXX providing the same documentation I emailed on XX/XX/XXXX with no issue and not required any additional documentation the representative could not validate why. I felt hurt and confused, I'm being told they can't use my social security number, but the letter in the mail states they could not verify my credit accounts. Yet, I have a line of credit with Navy Federal Credit Union. I don't understand.
Product: Credit card or prepaid card

I took out a Best Buy/Citibank Platinum VISA Card a year ago. This card is a combination Store Card and also General Usage Card. When I first applied for this card I was provided misinformation by the Best Buy Store Staff. I am now being charged a monthly APR Interest Rate of 28 % and my required minimum monthly payment continues to rise along with the interest rate. To top it all off ... whatever I do pay per month ( well over 100 dollars ) does virtually nothing to bring down the balance. I fear this is a scam and that this is a trap credit card. I called Best Buy and they told me that they have no control over the practices of Citibank. I called Citibank and they were direct and rude with me ... even though my account is current. They outright refuse to negotiate the Interest Rate and tell me it can never be done. I know this is a lie. Their excuse is that this is a Store Card ..., but it isnt just a Store Card ... it can be used anywhere for General Purchases. It just has a Best Buy logo on it and Best Buy Store Purchases are at a lower interest rate than General Purchases. So they are not telling the truth about the card. I want them investigated for misleading and lying to consumers. I want them investigated for trapping customers into a deal that they cant get out of without falling into further debt, debt collection, or even bankruptcy. Again ... none of this was explained to me by Best Buy Staff. They never told me I was going to be charged almost 28 % interest either. Very little if anything was explained to me. The only thing they kept pushing was 0 % interest for the first year. But thats not true either. Theres no interest for the first year on general purchases ... but after a year they apply BACK interest on those purchases without notifying you prior to signing. Then they refuse to negotiate anything related to interest. They also do not tell the consumer that there is a {$69.00} annual fee for having this Credit Card that applies yearly. This is loan sharking ... plain and simple. Theyre lying to people and keeping them in debt to them forever. I havent used the card in one quarter of a year now ( 3months ) and Im making a forced minimum monthly payment of {$140.00} .... and my balance is still {$3800.00} because the interest is {$70.00} a month. At this rate I will never pay this card off again unless I come up with the entire balance. This is so sad that people are being trapped like this. I do not recommend any credit cards from Citibank ever again for anybody ... including and especially Best Buy. I have 5 other Credit Cards. This one is the only one I am having such problems with. Thats how I know Citibank is not being truthful or fair with consumers.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX XXXX . I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.
Product: Credit card or prepaid card

Without purchasing, amount Charge to my Credit Card, The details are as follows ; XXXX. XXXX, XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX $ XXXX XXXX. XXXX $ XXXX ( PAYMENT PROCESSING )
Product: Debt collection

I have previously stated that to the company that I am and have been a victim of identity theft, I included several documents proving that the debt they stated I owed did not belong to me ( My FTC Identity Theft Report, My Proof of factual identity and my Notice to Furnishers and included documents stating that my phone number has been listed on the do not call registry so calling me is therefore harassment and illegal by federal law I HAVE BEEN CALLED EVERY DAY 3 TIMES A DAY OVER A DEBT I DO NOT OWE, I also sent 3 cease and desist letters to the proper address listed above. I also sent information on the Federal Fair Debt Collection Practices Act ( 15 USC 1692 ( a-k ) and specially Section 807 ( 8 ) ( 15 USC 1692e ) and information from the Fair Credit Reporting Act specially section 623 ( a ) ( 3 ) ( 15 USC 1681s-2 ) ( A ) ( 3 ). I have complied with federal law and my rights as a consumer and I believed in good faith that this company would handle this matter in compliance to my legal rights, but in fact this company has not ... in fact in response to my cease and desist letters I received a email back stating that I needed to provide my debit card information to verify my identity and remove the charges off of my account which I have record of now as well and records of other fraudulent activities that a debt collector should not do. 



I provided my debit card information and instead of having the debt removed from my credit report I was charged XXX $ for a new account I did not authorize in the first place, and XXX $ for an additional account I also did not authorize. I also received several harassing letters stating that my credit score would drop 100 points lower if I did not pay the debt and I have record of each letter which I will forward to the Attorney General and my credit score did in fact drop ( so these are valid and factual ). By federal law this is illegal and is 2 counts of fraud which I have all my records of and I can prove in a federal court based on the facts that I have .... 
the company even issued me photos stating that my refund for my accounts would now be processing but I never received anything and I am still being pressured into paying for something that isn't mines, I waited 6 long weeks and nothing ever changed and when I called the company they denied that I even had a account with them in the first place. this is not ok. They denied that I was issued a refund and they have been lying this whole time and now my personal life is suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXX-acct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX  with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXX-acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.
Product: Credit reporting or other personal consumer reports

Global Lending Services XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX There was an unauthorized use of my social security no. 
please remove this inquiry as soon as possible fraudulent usage, stolen identity.