23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  N with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX  with a balance of {$16000.00} -This is not my account.
Product: Credit card or prepaid card

I have a XXXX XXXX ( XXXX ) credit card that I have never used. I called the bank twice to close it but the bank has not yet closed the credit card. It is extremely difficult to reach a live person on the bank 's side.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXXXXXX XXXX  Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 


Account Name : XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX have ALL 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to XXXX  and To Whom It XXXX  Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.
Product: Checking or savings account

I continue to have issues with the location ( at XXXX and XXXX XXXX XXXX Washington , DC ) and capital one in general. I have reached out many times and no one ever follows up. The person helping me was unable to help, saying I needed to call the 1-800 number. I explained I did that this morning. What are you supposed to do when you have an unresolved issue? How is it that an ambassador is not available on a Friday afternoon in person? When I asked that question, the other agent mentioned she. I questioned the name on the card I was given because its a male. I was told there are many ambassadors. Once I left, I called and literally the woman answered who I was having issues with. She was still very rude and disrespectful. She said I was given the wrong card before hanging up the line, no one would answer when I called back despite being still open. She refused to give her name. There is no accountability at capital one. I was told my debit card would arrive with 3-5 business days. According to the tracker, the card was just created today. It was just as " just created '' every day since Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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.
Product: Debt collection

I have been in private litigation with Bridgecrest since XX/XX/year> ; this dispute has requested evidence proving that I owe a debt they think I must pay. A Bridgecrest representative called my phone and stated that I owned my vehicle! How do I pay for a car that I own? Bridgecrest counsel received my response to their letter on XX/XX/year>. However, I received an email on XX/XX/year> stating, " Payment is needed on or before XX/XX/year> to prevent your vehicle from being assigned for repossession. '' Not only is this threat to put me and my family in a dispossession of what is ours a constitutional violation, but it is also a violation of the FDCPA. As a consumer and creditor under the FDCPA, I have invoked my rights to the information I requested to no avail. Bridgecrest has harassed, abused, and attempted to oppress me by way of threats, obscene language, and harassing me on the phone. Bridgecrest has engaged in deceptive acts to threaten to take legal action, seize my property, and imply that I have committed a crime. It has been unfair that Bridgecrest has continued throughout private litigation to collect any amount from me, threatened to take nonjudicial action depriving me of my due process, and use language in which is in connection with this debt collection. Bridgecrest should know as a debt collector, they have no standing to take any legal action against me & any payment foregoing is not an admission of liability.
Product: Mortgage

Wells Fargo has not provided us with all of the information we have repeatedly asked for. They claim to have on XX/XX/XXXX. This is a lie. We have not received any of the information we have requested. Wells Fargo needs to provide us in writing proof of met modifications, Proof of items that they are calling proprietary. If an item is proprietary we are requesting in writing proof that it is as such. If it is legally proprietary we are requesting in writing the items we have requested. ( copy of phone call on XX/XX/XXXX. copy of investor guidelines as to how many modifications, forebearances, and re payment plans are allowed to us. We to date have had 1 forebearance, 1 so called HAMP modification, ( it did not fit HAMP guidelines ) and 1 in house re payment plan. We would also like an investigation into Wells Fargo treatment and practice of customers with XXXX. We have been discriminated against and we do plan on filing an official complaint against Wells Fargo. We also would like an investigation into not only Wells Fargo but XXXX XXXX XXXX of Utah for not following Utah non judicial law. WE were not served with a notice of default. We found out about our foreclosure sale online. We also would like an investigation into the deceptive practice of Wells Fargo concerning Hamp Tier II guidelines. Wells Fargo continued to lie to us and put off our modification until the program  ended. Fully knowing and admitting to us that we were eligible for the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 accounts 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 alleged fraud or extortion. Please block the following accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Product: Debt collection

I use my mobile phone for my XXXX XXXX, and at my job, as I'm not provided a phone to call my sales leads. The company, Hunter Warfield for the last 3 years have called me repeatably during my working hours after I have clearly stated to them multiple times to call me after my work hours. They have called me for the last 2 months, and after I have advised to call me after work hours. On XX/XX/XXXX, at XXXX XXXX  I received a call from " XXXX '', I advised her that I was at work and the number she was calling, was my work Number. she continued to speak and I advised her to call me after hours when I get out at work at XXXX XXXX, she ignored me and continued.. I disconnected the call after advising I was at work. 

On XX/XX/XXXX at XXXX, they called again. I advised the same, that i was at work, and this was my mobile work number and they shouldn't call me during this time, they continued to speak and I needed to disconnect the call. 

Today on XX/XX/XXXX, at XXXX, XXXX calls again and continues with her script. I advised her I'm at work and can not speak to her, that she is calling me mobile work number and need to call me after work hours ... she continued to speak, I disconnected the call. 

They have called me from Multiple Numbers. 

Dates Below. 

XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX All of these hours are times which I'm at work and they are aware of this. I would like for them to stop harrassing me while I'm at work, and calling my work number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting my credit data correctly. They are showing my usage at 45 % and I am at 32 %. Transunion is reporting inquiries that should have fallen off. Transunion have my years of credit history at 2 years and my credit history is older than 6 years. The representative stated it was and no action would be taken. Transunion has my credit score from to my credit. Open new account drops your score. I then sent a letter to all drop to three credit bureau requesting the account closed by consumer and I spoke to Transunion with no high impact of change. XXXX and XXXX has my credit score at XXXX. 

Transunion reporting incorrect information is cause damage to my credit. On XX/XX/23 I received a letter from my creditor stating base on my credit history my line of credit has decease. XXXX XXXX used Transunion report to make this decision on an account that was given to me without applying for. My credit was so great with other products with XXXX XXXX. They gave me XXXX dollars care card. Now has decease to XXXX due to Transunion reporting my credit dropped to XXXX. I wrote and spoke to Transunion requesting they make corrections on my report and they states they can not change. They actions has cause me a financial hardship with my creditors. I have never missed any payments which shows on my credit report. I asked them to closed an account proving a XXXX balance and they state the creditor must close. I asked the creditor and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried calling customer service to remove inquiries with TransUnion and they refused. 

XXXX XXXX- XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a member of XXXX and not supposed to be billed for medical bills covered by XXXX or  deductibles. XXXX XXXX billed me for {$43.00} and I explained this to them. I gave them both my XXXX  and XXXX   information. They sent me to collections with Emerald AR Systems. I contacted XXXX at Emerald AR Systems on XX/XX/2020 and explained I was XXXX.
Product: Debt collection

Account Name : CC COLL SVC ( Original Creditor : XXXX  XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please Remove it from my Credit Report
Product: Checking or savings account

I signed up for a {$250.00} bonus for opening up a PenFed Free Checking Account. The requirements were to open the checking account by XX/XX/year>, and have direct deposits totaling {$1500.00} each month for XXXX consecutive months. I opened the account before the XX/XX/year>, deadline and had direct deposits totaling {$1500.00} for XX/XX/year> and XX/XX/year>. Please credit my account {$250.00} as I have met the terms of the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. XXXX XXXX XXXX - mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. XXXX - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. TransUnion - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to XXXX 3. Response received from XXXX that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to TransUnion 6. Certified Letter Confirmation Numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to remove items from report they have done nothing, they did not advise me in time and they keep sending me messages but can ; t open up to their site to get my report. They DID NOT advise me in time of 30 days of required response. I have tried to chat, go on line, call and get no responses within the required 30 days. I want to file report against Equifax. They only sent me a message AFTER i made my complaint to you. They did not meet the 30 day deadline.
Product: Checking or savings account

Requested direct deposit form for my savings account with USAA, lady said ok and then asked me about charges on my checking account, they were fraudulent and she ended up closing the checking account which was fine because the direct deposit was supposed to be for my savings per verbal request and verbal confirmation. The letter ended up being for my checking and I found out when my paycheck did not hit my account. I called my bank to let them know they sent the wrong letter and to request a new one, the lady assured me the check would bounce and id receive it soon. Soon came and I did not receive it so I called back and they let me know they did not flag the fraudulent charges and were instead holding onto my check to pay for them against my knowledge and consent and that itd be another 20 days till I received the shreds of what was left because it had to do with a closed account, no reversal was attempted. I am now dealing with late fees and taking credit hits as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX has previously been " verified as accurate ''. Attached is the letter from XXXXXXXX XXXX  to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.