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

I am writing to bring to your attention a matter of utmost concern regarding the persistent presence of fraudulent items on my credit file. Despite multiple attempts to rectify this situation through your dispute process, I am dismayed to report that the fraudulent items remain unresolved.

I have attached copies of my credit reports, highlighting the fraudulent items, and previous dispute correspondence for your reference.

I have diligently followed the established procedures for disputing inaccurate information on my credit report, providing all necessary documentation and evidence to support my claims. However, to my dismay, these efforts have proven futile, and the fraudulent items persist on my credit report.

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the fraudulent items listed on my credit report.

Provide a detailed explanation for the failure to remove the fraudulent items despite previous disputes.

Take immediate steps to rectify the inaccuracies and update my credit report accordingly.

Provide confirmation of the resolution in writing, including the expected timeframe for completion.

I understand the importance of accurate credit reporting, and the presence of fraudulent items has adversely affected my financial standing. As a responsible consumer, I have taken all necessary steps to address this issue, and I expect a swift and satisfactory resolution.

I request that this matter be resolved within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXXXXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX ] XXXXDate of Inquiry : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted accurate paperwork to the credit bureaus Experian, XXXX and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau Experian, XXXX and XXXX had showed the account as having XXXX positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from Experian from XXXX and the same account with credit acceptance in XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I was approved for a Citi XXXX XXXX XXXX credit card. After several weeks without receipt of the card, I contacted CITi and was told they would send a letter to verify my identity. After a week and a half, I called again and they stated they would said a new letter which I again never received. I attempted to contact Citi again today, XX/XX/2023 and they insist on sending another letter before I can close the account. I know have a credit line drawn against my social security number and an annual fee being accrued without any access to this credit line which I have no way of closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Lexington Law Firm on XX/XX/XXXX. I was advised that the services would cost {$130.00} should I keep them past 5 days. I later that day called to cancel but the law clerk assured me they are helpful. I then found out that they were being sued so I called back. They make it impossible to reach anyone when you ask to cancel the line is disconnected. I found an email from an employee of theirs so I wrote them my request to cancel in writing and have it on file in my email. They close off the chat and when you call the phone says they are closed on Sunday which was my date to cancel so you have no means to cancel other then an email to someone at the firm which is hard to find. When I called on Monday to ensure i had been cancelled they had not cancelled. I continued to chat at length about cancelling they just refuse to let you cancel and leave. He finally cancelled and I get a message stating I will be charged {$130.00}. They did absolutely nothing. My account remained the same they sent nothing out on my behalf and I cancelled like they stated within the time frame, but because they are closed and know they have gotten my email they are stating that is their general email mailbox. That should not matter as it is attached to their company and is there on file for them to look at. This company is super shady and once they have you in the company refuse to let go of you until they get some sort of money even for services not rendered. I will also be reporting to my credit card company. They need to be closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureuas last XX/XX/XXXX, XXXX as my sixth attempt to notify the Credit Bureuas that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These items are unknown to me. Also, the information that some Credit Bureuas provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Here is the list of accounts that should be removed from my Credit File : 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 US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} 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
Product: Credit card

The statement didn't come in the mail, so I looked up my account and made what I thought was min payment plus some. I was waiting on statement I'm prevented from seeing my statement online since I get them in mail. Since I didn't receive my statement I made payment since every month I make payments. They charged me a XXXX dollar late fee and I didn't know it was due? I look online and always pay what I think is min payment and more but still since I didn't receive my payment I looked online and it told me I had a min payment after the fact. I paid immediately and why I can't look my statement online because I get mail statements is wrong they should let me in immediately and let all see statements online they just are punishing us who want paper statements and in the process pocketing late fees?
Product: Credit reporting or other personal consumer reports

I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Could someone at CFPB please address this and respond back to me. I have tried obtaining an answer with TransUnion. I received my updated TransUnion Credit Report. My TransUnion Credit Report indicates that this one XXXX XXXXXXXX XXXX account ( Account Number XXXX .... ) has been charged-off thirty-six times. 

Is that right? Does CFPB know if an account can be charge-off more than once? 

Please contact me at ( XXXX ) XXXX, if further information is needed. Thank you. Sincerely, XXXX XXXX XXXX SS # XXXX.
Product: Consumer Loan

XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.
Product: Mortgage

In XXXX, I had a contractor come out to the house to give me a quote on fixing the roof. We had some damage to the ceiling, and wanted the roof fixed before having the interior fixed. After examining the roof, the contractor said we needed a whole new roof and recommended we file an insurance claim since the damage had caused by weather. I filed a claim with my insurance company, XXXX XXXX XXXX, and had the contractor schedule us for the new roof, since we did not want to take the chance of further damage to the interior. XXXX XXXX processed our claim quickly, dispatched an adjuster, and processed the claim. In the meantime, our contractor put on a new roof. When the claims check arrived, in addition to me, the check was also made out to XXXX XXXX XXXX and Huntington Mortgage, the lenders. I understand why they were included. XXXX XXXX XXXX was most gracious and was quickly able to arrange for endorsement of the check. Huntington, quite simple, is terrible. When I called, I was told they had MAIL me a packet of information that I had to complete, and that would take 7 days for me to receive. It actually took XXXX. What I received was a letter telling me they were n't going to pay for the roof ( WHAT? ) along with instructions to MAIL the insurance check, unendorsed, something else, and an affadavit that was supposed to be enclosed ( it was n't ). I immediate called them and, of course, got no one and had to leave a message. I 'm sure it will be next week if anyone returns my call at all. Surely, there must be, if not a law at least a rule against a bank holding my claims check hostage?
Product: Credit card or prepaid card

I have a department store credit line and for the most part.i bought a lot of faulty items at Walmart.I bought 4 different prepaid phones from various Wal-Mart 's across the USA and all have been absolutely faulty.Walmart has also sold me a black molded Green pepper on the inside, which I have pics and a friend to back up this claim.Walmart is not thoroughly checking all products sold at it's locations.Their customer service lacks also in resolving these disputes which is to suppose to be 1-2 billing cycles and still a year later, a simple dispute has not been resolved for the phones.I was hesitant to get a line of credit here and this proves it.
Product: Prepaid card

Blackhawk Network prepaid Visa Card for {$100.00}, received as a gift. Checked the balance on the company 's site and it shows {$100.00}. Yet, when I went to use it on XXXX, it does not work. These cards are consumer predation and should be eradicated. They are garbage and they do not work. This is the second card I have received this year ( one from another company ) that does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took me to court in 2017 & the Judge ruled in my favor dismissing the case with prejudice. However, Experian has put this debit on my Credit Report & refuses to remove it although I have provided proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  failed to remove a fraudulent collections account from my report even though XXXX and XXXX both removed the account.
Product: Checking or savings account

I was notified by my credit monitoring company XXXX and XXXX that two bank accounts were opened using my SSN within days of each other at XXXX XXXX XXXXXXXX and PNC Bank. I called both banks and was told that they were not able to find an account in their system using my SSN. I reported both to their fraud departments via email including a photo of the XXXX alert. I verified that both appear on my XXXX account, and the notification was genuine. All of our credit is and has been locked, and I placed a fraud alert as well.
Product: Credit reporting or other personal consumer reports

This is my 4th 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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with Navient ( formerly  XXXX   XXXX  ). Because the of the account status,  Navient  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (  XXXX  ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and Navient would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from Navient to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Repossession account on my credit profile report on XXXX In the name of XXXX XXXX XXXX and the same account on Equifax by XXXX XXXX XXXX those accounts was attached to a repossession that was already deleted off my account that was XXXX XXXX XXXX but those two are still one my credit profile.. those are all the same Credit union it was XXXX, XXXX then XXXX XXXX XXXX they just bought it out and merged together.. i have provided the police report and will provide it again i have called them and told them they even misspelled my middle name and put payments on there that was never paid because i have never opened the account
Product: Credit card or prepaid card

My complaint is with Seventh Avenue, a Catalog Clothing Store. I ordered 2 items from this catalog. I paid them off in full with Money Orders. I had problems with Seventh Avenue because they tried to act as if they didn't receive the money orders. Once they finally acknowledge my payments. I knew I would never do business with them again. Months down the line I see on my credit report with XXXX a past due charge of {$530.00}. This charge lowered my credit score. 
This came to my attention immediately because I was in the process of cleaning up my credit. No program. Just addressing each charge separately. I disputed this charge with XXXX. I called Seventh Avenue and they sent me this letter to file an Identity theft report. I was living at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX when the catalog was sent without my request. When the charges appeared on my credit report I was and still am living at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. I don't know if the tenants who moved in after me on XXXX XXXX used the catalogue or if Seventh Avenue put new charges on that catalog. I know that I did not do it. I filed a police report with the XXXX XXXX. Police Department.
Product: Vehicle loan or lease

I have an auto loan through Wells Fargo. OnXX/XX/2018 I called to make a payment on the principal in the ammount of {$2000.00}. I was very clear how I wanted it all to go towards principal. When I checked my online account 2 days later I saw that only XXXX was taken off the principal and the difference went towards future payments and that I didn't have any payments due for three months.

I called and complained that the last person I spoke with must have done this on purpose as to how clear I was and how she even repeated it back to me. The new person on the phone apologised and reversed the payment to be done correctly. But even still she asked if I was sure if I wanted all of it to give towards principal and not put a little towards my next payment. So here again is a systemic problem in Wells I asked to be transferred to a supervisor, supervisor said the original person did apply correctly, there is just a turn around time for it to reflect on my account. I don't believe this. Why then does my account now say the payment was applied incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK XXXX The results of the requested investigation did not produce the documentation from that investigation or make any changes to my credit profile. Therefore they, XXXX BANK have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$880.00} / XX/XX/XXXX XXXX XXXX  / {$2800.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX