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

I hope this email finds you well. I am writing to follow up on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter. 

Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX date : XX/XX/2023 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2023 Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Consumer Loan

We applied for a personal loan through Wells Fargo. The agent was more concerned about getting us to sign up for additional services and when we were not interested, our request for a loan was mysteriously rejected. 

The paperwork that Wells Fargo provided did not provide the credit bureau that the request was processed through. They would not provide any information as to why were denied and we were only referred to XXXX XXXX. 

We both have good credit scores, and we were able to go to our bank and be approved for the same amount immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. 

I was given a number to call XXXX XXXX XXXX XXXX XXXX services also XXXX XXXX XXXX XXXX for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way XXXX sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. 

XXXX for Capital One XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.
Product: Credit reporting

This account has been disputed in the past. This account was never late in XXXX. Also, the account balance appears to be updated in XXXX. The account itself was allegedly transferred/sold long before XXXX ( estimated XXXX ).
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. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Consumer Loan

Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries, nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. Please see the attached FTC Report and remove the unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to update accounts on the IdentityIQ platform when I've sent multiple disputes and letters acknowledging that I never gave them permission to access my information which is identity theft. They also haven't responded to my previous disputes over the past 3 months.
Product: Credit card

I applied for a BestBuy credit card in the XXXX XXXX XXXX  store to receive 18 months interest free financing on a laptop computer on XXXX XXXX. I was told by the store employee that I would have to put down my fiscal address on the credit card application, but I had 5 days to change my mailing address to a Post Office box to receive my mailed statement each month, I was also told that I could set up an online account to pay at my convenance. I called into Citi / BestBuy credit card phone number to change my address. I was told that my card and billing statements would go to my post office box form this point on. I have yet to receive a statement for my first payment, I attempted to set up a online account to pay my monthly bill, but for almost a month the website only gave me error messages that the information that I entered from my card was incorrect. I called in on the number listed on the credit card to get help and guidance to get my online account set up. I was not helped by anyone at Citi XXXX BestBuy to resolve the issue. My payment was coming due on the XXXX XX/XX/year>, and I wasn't provided any technical support to resolve the issues I was having setting up my online account. On XXXX XX/XX/year> I escalated the issue to a manager named XXXX. I explained to XXXX that I had no way to pay my bill online or thru the mail due to website issues setting up my online account, or by mail as I hadn't received a statement, XXXX said there was a technical issue with their website, and that, I should try later. I cancelled my account and ask to pay off my account in full using another credit card. I was told they don't allow payments to be made with a competitor 's credit card, I was told that they would only accept a check by mail, or a payment by phone from my bank account. I was also told that I could keep the original terms of the agreement and still get the 18 months interest free payment plan after cancelling my account. I now have been informed that I won't be allowed to set up an online account after cancelling my card, and that I'll have to either pay by mail, or drive to the local store and pay in person. I think that Citi/BestBuy are setting policy to make it difficult to pay your payments so they can charge late fees, and practice predatory lending. I was forced to make a payment by phone at the last moment to avoid late fees and negative credit reporting. i filed a complaint with XXXX about their predatory lending practices. and I received an email with a Citi XXXX XXXX XXXX XXXX that they would look into my complaint. I have not received a response so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like TransUnion to remove the hard inquiry from XXXX. I received a letter from them stating that the hard inquiry would be removed and its been almost 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a CFPB and FTC ASAP!
Product: Credit reporting or other personal consumer reports

I contacted transunion In regards to my credit dispute the representative was very rude and unprofessional I asked to speak with a supervisor she advised me that she was the supervisor she kept placing me on hold not to mention I was on hold for XXXX and XXXX before I even spoke with someone and before i got the chance to explain why I was calling she kept putting me on hold I asked about my dispute she stated i didn't have a open dispute but they do have my documents but there was no open dispute I kept asking her how is that and I received a email from transunion after XXXX uploaded everything and she hung up on me I had to call back that was very frustrating and rude and she didn't answer any of my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor Capital One has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report I seen inquiries XXXX inquiries which are XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXe XX/XX/XXXX and XXXX XX/XX/XXXX. I had spoken to all parties and was referred to talk to Transunion about the matter. When I spoke to Transunion XXXX was told to write an FTC report and CFPB report and once they get it, they will remove these inquiries from my credit report. I hope you could resolve this matter with Transunion and appreciate anything that can be done. 

Thank you for your time.
Product: Debt or credit management

On XX/XX/XXXX I was charged XXXX XXXX  from BrightXXXX for subscription that I did not authorize I did not ever agree to a subscription I contacted company and they said they would refund they never refund and customer service was sketch unprofessional and did not have a lot of knowledge as to why they charged my account, it has overdrawn my account and caused an unwarranted hardship. I am concerned about my account and can afford any mishaps pertaining to this business. It is criminal to just take from individuals unwanted for services not purchased
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Southwest Credit Systems Account # 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 an account without my written instructions.

15 U.S.C. 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 made a deposit on XXXX XXXX before the cutoff hour to make sure I wasn't overdrawn on that day, based on my online account balances that also showed pending transactions, on closing business day of XX/XX/2021 according to my calculations I wasn't overdrawn yet on XX/XX/2021 they charged me a {$36.00} dollars overdraft fee for a check cleared on XX/XX/2021, but I wasn't overdrawn, so I called the customer service line and they told me they showed me overdrawn. I went over to my local branch and got a print out of my account and they proceeded to tell me I was overdrawn on XX/XX/2021 because of two pending transactions, but I told her that on closing date XX/XX/2021 I was not overdrawn and that one of those transactions that they were telling me wasn't charged until the morning of XX/XX/2021. It should be law that I should be able to see what they see and that my account balances should be the same as I see them, if items are coming thru they should show on my account as pending. I am still not believe I owed that fee.
Product: Credit reporting or other personal consumer reports

Company is reporting an account that has been charged off as collections, account is charged off but still incurring fees. Account balance is showing double the amount owed. Remove inaccurate reporting account from credit report.
Product: Credit card or prepaid card

On XX/XX/2022 someone had used my debit card to make fraudulent purchases from a few stores. After noticing the charges on my card, a few hours after they were made, I immediately turned off my card, and called Wells Fargo to notify them of the charges. By the time Wells Fargo had turned off the card, there were a total of 7 charges on the card totaling {$1800.00}. The Wells Fargo representative gave me a claim number and told me that Wells Fargo would do an investigation into the charges and let me know within 10 days. After 10 days had passed with no call from Wells Fargo, I called them and they informed me that since the person who used my card had the PIN number, that they did not see anything fraudulent and denied my claim. I informed Wells Fargo that they probably had my PIN number from a phone call I received in which an automated womans voice which said that it was XXXX XXXX fraud prevention and that they had a suspicious charge on my account and that in order to block the charges I had to press 2. After doing so that same call asked me to type in my PIN number to verify that. 
At the time I didnt think anything about it, however later that night, my wife later told me it was probably a scam and that I should check into it, which I did. It was at that time that I noticed the fraudulent charges. I even gave Wells Fargo the phone number that they called me from. ( XXXX ) Obviously I was upset and asked what is the next step I can take to get my money back and the representative told me to call the police and have them conduct an investigation and then I could submit that additional information once completed for them to review. I called my local police and they had XXXX. XXXX XXXX conduct an investigation. He found video of the person using their phone ( XXXX XXXX app ) with my card info to make some of these purchases. He was unable to get a license plate of their vehicle or any other information that could lead to the actual identity of this person but was able to clearly determine that it was not me who had made these charges. I also had video of myself at home during the time that these charges were made. I sent a copy of the detectives report as well as the video of me at home back to Wells Fargo for them to review and hopefully prove that I was not the person who had made these charges. After a few days passed after sending them this new information I called them to get an update and they again informed me that they were still denying my claim. 
At this point I have no idea what to do and feel helpless in the effort to get my money back. After searching online, I found that other people had this happen to them and after getting the CFPB involved, they were able to get it cleared up. I hope this is the case for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. My credit card balances are incorrect for 2 months. I contacted Experian XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's Experian, XXXX and XXXX   responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score.

TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.
Product: Credit card

on XX/XX/XXXX, I was home alone with my credit card. I received a text from Capital One saying they declined a purchase at XXXX XXXX for {$3000.00} and asked if it was me. I texted back " XXXX '' and Capital replied by instructing me to report the fraud. My card was in my purse, and I was not shopping with it. I logged into my Captial one account and saw that there was another charge pending from XXXX XXXX for {$750.00}. I reported this charge as fraud as well. Capital One opened an investigation, deactivate my card, and issued a new one. XXXX minutes later, I get another text from Capital One telling me use this pass code to complete my purchase. I called Capital One and they assured me that the card was deactivated and detailed a list of purchases that where decline on my card that day. I check on XXXX and the {$750.00} was removed. I checked again on XX/XX/XXXX and the {$750.00} was charged back to my account. Apparently, their investigation determined that it was charged to my card, and because my card was in my purse, I'm responsible for it. Capital One notified me that there was fraud occurring on my account, and now they are charging me {$750.00} for being a victim of that same fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and Equifax have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.
Product: Credit card

Both my checking, savings, and credit card account was close for no reason. Citibank was the first bank account I ever opened and one day I just received letters saying they have decided to close my account without stating why.
Product: Debt collection

I am being charged for services that were not provided/met by XXXX XXXXXXXX and Healthcare Finance Direct . They continue to charge me for a treatment I didnt received ; and this company, claimed on the XXXX  website to put our accounts on hold but have not. They have also sent emails threatening to send my information to XXXX and saying my credit score will be affected, which is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by XXXX. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to Equifax and XXXX XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only XXXX. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to XXXX XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to Equifax XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to XXXX. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to Equifax.