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

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/XXXX there were 5 fraudulent charges listed as coming from XXXX XXXX XXXX and 1 fraudulent charge on XX/XX/XXXX, also from XXXX XXXX XXXX. For the following amounts to my Citi Premier credit card : XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX I have spent many hours reporting this issue to Citi, at least 9 times. 5 phone calls and 4 chat sessions, they have refused to reverse these charges. I have also contacted XXXX XXXX XXXX to verify they did not charge my Citi Premier credit card for any of those amounts. 

I can verify that I contacted Citi on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There were more communications via online chat and another phone as well. 

XXXX XXXX XXXX verified that these charges are fraudulent and a representative from XXXX XXXX XXXX spoke with the Citi credit card dispute center on my behalf ( with me on the phone ) and explained to them that these charges are fraudulent. The representative will confirm my claim. 

I can also submit my wireless and internet bills from XXXX XXXX XXXX which will show XXXX XXXX XXXX never charged me any of those amounts, and that XXXX XXXX XXXX does not bill me on the XXXX or XXXX, ever. 

My wireless and internet packages are unlimited ( no data cap ), there is no possible way I could have racked up these charges. 

I will also be filing a complaint with the FTC while looking into a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letters were sent to Experian demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal
Product: Vehicle loan or lease

Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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

I submitted a letter to the Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 card or prepaid card

I was charged for a payment sent to an individual, XXXX in XXXX XXXX . I called to close my account and report the fraud. So far it looks like i will have to pay it unless something is done about it. Something fishy is going on. 

- {$97.00} XXXX XXXX CO
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

The following account is not mine and was unauthorized : Account name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I have tried to verify a freeze on my credit report. 

At XXXX, I receive an error " We are temporarily unable to complete this request. Please try again later, '' which Equifax confirmed by telephone is not a problem with my login, password, network, etc., but is instead an error originating on their end, for which they have no timeline for resolution. 

By chat, Equifax informsed me that they are unable to assist me. 

By telephone, Equifax refuses to assist me, stating that they can not confirm my identity because my answers ( e.g., about current lenders, minimum payments, and ironically, about the current freeze status of my account ) do not match my credit report. 

Assuming my freeze request was executed last fall, I am unable to open new lines of credit or apply for new loans, until Equifax permits me access to my account. Assuming my freeze was not executed, Equifax is denying me my mandated right to freeze my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXXXXXX XXXX  XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of Experian and XXXX XXXX. An XXXX XXXX was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called XXXX XXXX and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. XXXX XXXX informed me that they would look into the issue and they closed the account. I also reported this dispute with Experian. I received notice at the beginning of XX/XX/XXXX that Experian had founded in XXXX XXXX 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. XXXX XXXX and Experian have yet to delete this information from my credit report. Whatever investigation XXXX XXXX did, they never contacted me for additional information to verify my identity, address, or phone number.
Product: Debt collection

and requested original documentation showing I owe this debt for them to show my signature on a contract that I agree to pay the debt that is on my credit report lvnv funding LLC is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital one auto finance has repossession my vehicle yesterday XX/XX/2023 for non payment. 

Capital one auto finance got a warranty refunds and was directed to apply it towards the full balance and they failed to comply. 

I also directed that refund to be applied towards the balance and it was not. I am finding out right now what it takes to get my back while Im filing this complaint. 

Not applying the refund for the full balance gave them the option to take my car and that is not fair at all in my contract it say that if they get a refund for a warranty I agreed for them to apply it towards what I owe. 

Capital agent told me that it only go towards the principal balance and not the past due but it dont state that in the contract. 


Please help me this caused me to have so much financial stress as they denied me other things please help.
Product: Checking or savings account

I made a complaint previously and was said to be resolved by the financial institution. 

However I have yet to receive the cashiers check sent from navy federal, I will be requesting to pick up the funds via local branch location near me.

I have explained to them numerous times to update me on what is happening, and again Im waiting for a new cashiers check via declaration of loss In person at a local branch.

I have asked NFCU if the check has been cashed and the representative said it hasnt been cashed.

Anyway Im hoping NFCU matures and learns to respect their members and to know how to properly handle members funds. 

Thank you for your time and consideration
Product: Credit reporting or other personal consumer reports

I have paid off my auto loan in XX/XX/XXXX yet Credit Acceptance are still furnishing late payments on my Credit Report in XXXX. My payments was not late by 120 days yet they are reporting 2 years of late payments as well which is preventable me from utilizing my credit to better the life of myself and family. I have spoken to Credit Acceptance via phone and also mail only to be mailed a letter stating I did not send enough information for them to look investigate. I sent a photo copy of my Drivers Licenses, Social Security number, Account number and dates Phone number all certified and notarized. Willfully negligence and predatory actions taken against me by Credit Acceptance.
Product: Debt collection

I was notified by the collection agency Aldous & Associates about an alleged debt of {$120.00} from XXXX XXXX. I have reason to believe I do NOT owe this debt because I have not had an account with XXXX XXXX since XX/XX/XXXX when my contract for the year of XXXX ended. Furthermore, gyms were closed for the majority of the year of XXXX due to COVID per the Governor order. How can one be charged for serviced not rendered. It is highly dishonest and highway robbery. 
I would like to reiterate that I do NOT owe this debt and, attached is the proof : an email from XXXX XXXX on XX/XX/XXXX admitting to me that they have made an error and, that I do not have any account that is past due or that at risk of being sent to collections. I have printed and sent the email to the collection agency by certified mail but, for some reason they have decided to act obtuse to the proof.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a, section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, T 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with equifax credit reporting agency an account that is reporting on my equifax credit report that is completely wrong. I have been disputing this for months now and very fustrating nothing is being corrected. However XXXX and XXXX have corrected the situation and finally fixed it and deleted it off my report. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00}. This is absolutely wrong. I have multiple loans with XXXX XXXX XXXX XXXX that were combined loans and were paid. This {$860.00} if part of the {$6600.00} loan I had with XXXX XXXX XXXX XXXX. It is reporting as delinquet and as a seperate loan. Again this is completely incorrect. I had disputed and requested that this {$860.00} be deleted off my report. XXXX and XXXX  did there investigation on this and the bank responded that the {$860.00} was to be deleted ( which it was ) however equifax is not doing a proper investigation or they would have received the same response and corrected the problem and removed it off my report. I spend countless hours and days trying to resolve this problem as I do not want wrong information that is untrue reporting as it is affecting my credit score and credit worthiness.
Product: Mortgage

, Big problem here. Went bankrupt in XXXX, discharged, home not reaffirmed. My Uncle lived in it until his death in XXXX. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. 

Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I am at my wits end, I am on XXXX and I try to keep up property, taxes and insurance but it is hurting me badly and I have fallen behind on taxes. The Mortgage Company is holding me hostage. After the Bankruptcy attorney never followed up and caused this problem I have not spoken to him since, I was very upset. ( Especially when he tried to charge me for doing nothing ) My question is, what can I do? Do you know someone who could help? Do n't I have any rights? 
Please let me know what you think, I appreciate any help. Thank You
Product: Debt collection

I am not responsible for a debt this company claims I own. I am not responsible for the debt Western Management Consultants, LLC claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, or the original creditor. Apart of that this company is not licensed to collect any debt in Connecticut
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information was given to unauthorized party by Equifax.
Product: Student loan

I have made numerous attempts to contact MOHELA after my student loans were transfered from XXXX. I have worked for non profits or government since 2012 and I am trying to fix my PSLF dates and payments. It took months for my original form to be reviewed but was rejected and sent back for corrections. I have submitted a corrected form, but I have tried numerous times over a period of several weeks to speak to anyone from MOHELA to ensure everything is correct. There is over 10 minutes of unskipable messages before you can try to get directed to the correct place. Then, you may randomly be disconnected, sent to a non working number, or try to enter your information and be told your account can't be found and you get disconnected. The one time I did get through to a wait queue, I was told it would be over a 3 hour wait. Essentially, it is nearly impossible to get in touch with anyone from MOHELA to answer my student loan questions and get PSLF assistance. I don't know what to do now and I fear I may miss out on financial benefits that I am entitled to based on my decade of non profit and government service.
Product: Credit card or prepaid card

A overseas company XXXX  is charging me for airline tickets which were booked by them for wrong date of travel, we were assured by the travel agency company that it will be corrected, it was 3 months in advance booked. 
Booked airline tickets for 5 passengers to XXXX on XX/XX/2019 through XXXX XXXX  website. With date of departure XX/XX/2019 and return XX/XX/2019 for a total charge of {$1300.00}. Paid through Capital one credit card. 
Received confirmation email for reservation on XX/XX/XXXX but the dates of the itinerary were wrong it showed date of departure XX/XX/XXXX and return XX/XX/XXXX, which was totally wrong as the vacation was the thanks giving break. 
Immediately called XXXX XXXX  and notified them of the wrong dates. 
Representative apologized and said they had problem with their website and they will fix it to the correct dates. 
A form from XXXX was emailed to me which I filled and submitted, this was on XXXX 2019. 
XXXX XXXX  kept on stalling me and I was not getting anywhere close to where they were correcting the dates. 
I on XX/XX/2019 called capital one and advised them of the problem and my account was credited back. 
I called XXXX and advised them that I have called my credit card and advised them of my issue with XXXX XXXX  and have stopped the payment on this itinerary, but am willing to work with XXXX  if they correct the dates. The representative at XXXX said as I had disputed the amount and XXXX had returned the money to capital one they could not help me. 
I booked my tickets with another company and when I came back from my vacation i saw capital one had recharged my card. 
I am going back and forth with capital one, being put on hold for long period of time recent one was 1 hour and 38 minutes. 
Every time i am advised some one is going to call me back from the escalation team but no one has called me back. 
I am very frustrated and feel helpless it seems to me that Capital one is betting on that so I give up. 
I request your intervention and help me please.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXX XXXX ( Bank ) XXXX XXXX  - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX ( Hotel and travel ) - XX/XX/XXXX - REMOVE INQUIRY XXXX ( Finance ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX ( Retailer ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX ( Bank ) - XX/XX/XXXX - REMOVE INQUIRY XXXXXXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX