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

I am writing to formally complain about the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The continued presence of these inaccuracies is causing severe distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my financial stability and creditworthiness. I first identified these discrepancies and have since made several efforts to rectify this situation through your organization. Regrettably, my attempts have been met with frustration and a lack of progress. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the necessary documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Determined to resolve this issue, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not stress enough the serious consequences these fraudulent items have on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and decisive action to correct this situation. I expect a thorough investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to removed the following fraudulent items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I ordered diabetic test strips from the XXXX trading website and paid for the transaction via XXXX. The order was for XXXX boxes, each box costing {$10.00}, for a total of {$2000.00}. Then, after XXXX weeks, I received an email from XXXX Trading that I needed to wire money in the order of {$1300.00} for the cargo insurance, and upon receipt of the goods, that money would be deposited. A couple of days later I received an email that the goods had arrived at the XXXX XXXX and that I needed to wire {$1500.00} for customs clearance. I went to Key Bank and made XXXX wires for the transactions. A week later I tried to track the package and the website was down. This is when I realized I was scammed. I have reported this scam to Key Bank right away and numerous other fraud organizations. I even sent emails to the bank that the money was wired ( XXXX ), to request the funds back. Key Bank has advised me that they will request the funds back due to the scam. I have called Key Bank and went to the branch several times and spoke to the branch XXXX XXXX XXXX on numerous occasions. I was told to be patient that it takes about 6 months to a year to get the funds back, and that Key Bank will send me something ( an affidavit to sign in the mail ). To this day I have not received that affidavit nor have I received any communication from Key Bank regarding this scam. I have provided KeyBank with all the documents however nothing has been done to back my money back. Had the Key Bank responded right away I would have had my money back. I lost {$3000.00} because Key Bank did not respond promptly. I have received my money back from XXXX but I have not received money back from Key Bank.
Product: Checking or savings account

On XX/XX/2022, I made an ACH transfer of {>= $1,000,000} between accounts at Bank of America. The ACH was held until XX/XX/2022 when it finally went through from one account to another. The funds remained in my account until XX/XX/2022 when the funds were debited from my account but not returned to my other account. Bank of America tried to construe the transaction as a check deposit from one account to another, but there is no way it could have been processed as a check deposit with only a deposit slip which is how Bank of America tried to explain this transaction. This is impossible. The ACH transaction was an approved transaction that was in my account for over five business days when it was debited with no explanation nor any explanation of where my funds went. My many attempts to have Bank of America explain where my funds went have been repeatedly stonewalled and Bank of America refuses to provide all accounting to justify their actions against me. I have reported this transaction to every Federal agency that investigates such matters including the FBI, FTC, XXXXustice Department, SEC, state law enforcement and state attorneys general and local law enforcement. This matter is still under investigation with these agencies.
Product: Credit reporting or other personal consumer reports

Transunion did not freeze my accounts as requested due to fraud and XXXX  and other credit check without my permission.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries on my credit report violate 15 USC 1681c-2, harming my credit. Kindly delete them.
Product: Debt collection

XX/XX/XXXX : I paid XXXX XXXX XXXX full amount of charge for final bill on closed mobil phone account. Paid {$250.00} with XXXX Mastercard. 
XX/XX/XXXX, Disputed the {$250.00} charge with XXXX because XXXX XXXX XXXX had already received payment as they bill one ( 1 ) month in advance for their service and the XX/XX/XXXX service was already paid for in XX/XX/XXXX. 
XX/XX/XXXX. XXXX confirmed disputed charge of {$250.00} and issued conditional credit. 
XX/XX/XXXX : XXXX sent letter indicating the investigation ruled in my favor and conditional disputed amount was made permanent. 
XX/XX/XXXX : Received several threatening phone calls on my cell phone from unidentified debt collector threatening to ruin my credit. 
XX/XX/XXXX : Received email from credit monitoring service indicating Sunrise Credit had made an untrue, derogatory entry on my credit report on XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX : Filed an online dispute with XXXX and provided all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I contacted a representative the company about a refund on a person name XXXX XXXX XX/XX/XXXX amount was {$20.00}. The company fell to give my money back each time I contacted about something coming out of my account they fall to handled it properly.
Product: Debt collection

I Noticed several inconsistent information on my credit report. they both can't be accurate. 

This not a duplicate.
Product: Credit card

I have a statement balance with purchases of {$820.00} on my XXXX Statement that is due on XX/XX/24. I have made 2 payments of {$410.00} on XX/XX/24 and XX/XX/24 respectively to pay the statement balance of {$820.00}. US bank access a finance charge of {$17.00} in which i have disputed with a phone call on XX/XX/24. The representative that i have spoken to said that she will going to forward the request to another department for determination. She got my contact number and claimed that if i do not hear from USBank by the end of business that day, the finance charges will be reversed and will take 5 days to process. 
On Friday, XXXX XXXX i checked my account online and not only that the finance charge of {$17.00} was not reversed, But US bank has also added {$10.00} interest to my XXXX statement with a statement balance of {$470.00} due on XX/XX/24. I scheduled a payment of the statement balance on XX/XX/24. 
I spoke with supposedly spoke to a supervisor named XXXX ( woman ), she can not explain to me why finance charges were applied for both months where the statement balance with purchases were paid in full. She keeps on claiming that the finance charges are applied correctly, she was overtalking me when i challenged her with statements. 
In XXXX XXXX a manger called me and discussed the issue and i thought this issue has been resolved already and will not have any problems with it. She has reversed all the finance charges applied incorrectly to this account from XXXX.
Product: Debt collection

On XX/XX/2020 I contacted Midland Credit Management by phone at XXXX XXXX XXXX XXXX XXXX. They had been calling my cell phone repeatedly, and I was notified by my sister that they repeatedly called her house phone trying to reach me and collect a debt. I had never heard of the company and they did not send me anything in the mail with an account number or balance. 

I called Midland Credit Management over a month ago requesting their mailing adress so that I could verify, dispute, and/or or settle the debt. I wrote them two letters- one addressed to an office in XXXX , Michigan , and the other to an office in XXXX XXXX , California - asking them to stop calling my sister 's house and to only communicate with me in writing. I did not receive a response, so I called back on XX/XX/XXXX to follow up. I spoke to two female representatives who did not state that hey we're representing Midland Credit Management, but did say the call was an attempt to collect a debt. Neither of the reps offered settlement, dispute or verification options but instead asked me personal questions about why I couldn't pay the debt that day. I asked for the adress to make sure I sent my letters to the correct company. The first representative said, " What would that change if you communicated in writing? What was happening in your life at the time that the account went delinquent? '' The questions seemed irrelevant and I asked her to verify the adress. She said the post office address quickly so that I couldn't hear it. I asked to talk to a manager and she also didn't offer me any option but to pay the full balance that day. She said they would have to hire an attorney locally and take the debt case to court. I got frustrated and ended the call. I tried to call back but I got an automated message saying the office was closed. I am concerned that MIDLAND CREDIT MANAGEMENT based in XXXX XXXX, CA is NOT A LEGETIMATE DEBT COLLECTION COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX. THE BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

The XXXX XXXX ATM did not charge me a fee according to the XXXX XXXX ATM operator. I had entered XXXX dollars then the ATM did not allow me to get XXXX dollars out. The ATM only withdrew XXXX dollars. The card issuer charged me a fee because the machine was not working properly. I had entered the correct pin number. The machine declined to withdraw second time even though i entered the correct pin number. The card issuer representative stated the automated system charged the fee. They do not have a way to reverse that. I do not think its fair for a ATM not working properly from the money pass automated teller machine that the card issuer charges decline fees. According to the bank regulators that fees for non sufficient funds and not working properly equipment is not suppose to charge fees. It is not legal for fees to be charged. It is not fair and that it is a rip-off for a bank to charge a fee for not being able to get cash out from an ATM that is not properly working. I should have been able to receive a full refund. I had no control on the way the ATM had reacted with the money decline. If the ATM was going to charge a fee it should had canceled the transaction instead of declining. I do not think the card issuer is fair. They should have the option to cancel the card before it charges a declining fee if the ATM had issues and or is not working or going to decline because it does not accept the transaction. The card issuer should allow the card to cancel the transaction rather than charging declining fees. When ATM do not work properly canceling the transaction would had avoided the fee if the ATM had automatically canceled the transaction and returned the card right away. 
ATM Decline Fee XX/XX/year> XXXX
Product: Mortgage

Wells Fargo assumed the LOAN - Maturity Date - XX/XX/XXXX Sent in last payment in XXXX Wells Fargo sent the payment back advised that the account has reached it's maturity date. 
Per Wells Fargo- they're advising that the total amount due is {$12000.00} the loan amount was for {$30000.00} loan taken out on XXXX. 
{$8000.00} is the unpaid principal on loan ( how ) {$3000.00} is from late fee my question Wells Fargo is how do we owe XXXX XXXXXXXX on a loan for XXXX XXXX we stand to lose our home over XXXX XXXXXXXX can someone please reach out to Wells Fargo for better understanding. 
XXXX XXXX
Product: Debt collection

XXXX  I sent a verification letter to the company informing them that it wasnt my debt and received a bill statement. I asked for something showing it was my debt and never received anything instead the debt was re-aged on my credit report which is not correct or legal. This account should not and was not reopened
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 missed/late payments on my student loans which is inaccurate! I have been deferring my loans every year on time since I have been out of school. I should not have any late payments at all. There is also some information that is reporting different on the different credit bureaus. My accounts are incorrect and reporting differently which is confusing and misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 weeks now I have had someone low my credit up from all these car places and other places. I didnt authorize any of this would like you to please get these items off my hard inquiry. By law they are to have a written statement of me approving them to check my credit but this is crazy and I am trying to get my credit straight to buy a home.
Product: Debt collection

I have NO contract with this debt collection service the original debt was discharged and balance was paid by Medicaid which I have had for 20 years. I am a secured Party Creditor and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under  penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 )  days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX 's XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason Equifax refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount:XXXX Date:XXXX  Bank : Comenity bank/ Anntyl Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank XXXX XXXX XXXX XXXXXXXX Amount : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau is reporting a credit score decrease by 28 points on my credit file and has no reason for it. Transunion states " We found no changes to your Transunion Credit Report '' via CreditKarm.com on XX/XX/2019. This is unfair and unjust. I have proof of such, but was unable to upload a document photo directly from XXXX showing the decrease.
Product: Credit card

In accordance with the fair credit reporting act Comenity Bank/Ulta acct # XXXX has violated my rights on XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I see there is an active lawsuit pending against Fifth Third Bank I have closed my checking account with them maybe six months ago but I am still receiving email alerts from them about my checking account as if it remains open. 

Thanks, XXXX XXXX