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

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter.

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 

Upon discovering these fraudulent items, I promptly filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim.

Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process.

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights.

I hereby request that you : Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law.

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items.

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I do not have a current contract with company. Old contract was terminated due to company 's retaliation/ negligence/XXXX. I asked company via certified mail to cease and desist. I do not owe anything. They are giving the credit bureau the incorrect information. Not providing any proof of this.
Product: Student loan

I tried calling them to get help with my private loan payment cause the amount they looking for me to pay is to high with the other household bills I have. The one person told me that I should n't have gotten a car and paid them but my car was XXXX and i needed a way to get back and forward to work and my kids to school. They are rude and not helpful at all.
Product: Vehicle loan or lease

On XX/XX/2022 Capital One sent me an adverse action letter for the denial of my consumer credit transaction. I am aware that I am a consumer who cant be denied for an extension of my credit. Capital one is considered as a bank and federal regulations has made it clear banks borrow and not lend money. Any bank asking for a social security card in return for a loan, knowing theres no lawful money to lend is in violation with federal regulations. I am a consumer/creditor/natural person/executor/beneficiary who has been discriminated against and deprived of my rights to trade. Capital One has also furnished information about my employment status without my permission and violating my rights to privacy.
Product: Debt collection

I received a copy of my credit report and am disputing an item. 
Eastern Account System claim that I owe {$1500.00} for an electric bill. This was placed on my credit report in XX/XX/2021. A debt validation letter was sent to the company twice with no response. The credit bureaus were notified of the no response and XXXX and XXXX have removed the debt. XXXX sent notification that the debt is valid, but there has been no response from Eastern Accounts. The electric company is from NY, but I have lived in another state for over 10 years now. I would like this rectified as it has really dropped my credit score that I have worked so hard to maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was XXXX XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a Experian representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX  and XXXX  and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Product: Debt collection

This debt is very old and does not belong on my credit report. I have taken care of this debt years ago.
Product: Money transfer, virtual currency, or money service

I opened my savings account with TD on XX/XX/XXXX in XXXX. had no issues till today XX/XX/XXXX when I realized a fee of {$4.00} was being taken out my account for each withdrawn/transfer to my checking account was made. of a total of XXXX charges since XXXX ( {$270.00} total ). So I called the TD banks line and I was told the fee was a government regulation, due to me transfer more than 6 times ( using electronic methods ) So I told she was wrong it was not a government regulation because I have a chase account and they don't charge, so she change her story, saying it was a TD bank rule that only allowed me to transfer 6 times a month without fee, putting more pressure on her, I learned that if I didn't want to pay any fee I had to go to a branch and used the ATM machine to transfer every time. So I went to the bank on XXXX XXXX and talked to a manager XXXX, I expressed my concerns with the fee and she told me it was on my contract, that I had signed for it when I first opened the account,. I told her I was never told of that ruled and it was not in my contract, I requested a copy of contract and she stepped out for XXXX minutes and came back with saying that the new rule was applied this year starting on XX/XX/XXXX. they said they sent a letter out to all savings costumer, which I did not received, she made to log into my online statement and pointed out it was written on top of my month statement ( in very lower caps, you can barely notice ) in the statement mentioned the fee but it did not mentioned that you could go to a branch and make the transfer without any fee using their branch ATM. She also showed a letter that was sent out to each client, which I never got it, the letter it is written in a large format, and you can read clearly, I believe they did not send to anyone that has a savings account with them that letter ( which does mention the no fee transfer at the branch ). I am looking to have the {$270.00} fee refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a dispuite to Experian about the following accounts : XXXX XXXX, which you claim I owe {$9100.00}. 
2 ) XXXX  XXXX  : XXXX. {$4600.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX  : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX 4 ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX/XXXX  XXXX  . XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA
Product: Vehicle loan or lease

I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY INFORMATION TO COSIGN FOR A CAR LOAN.
Product: Credit reporting or other personal consumer reports

I have sent Experian several documents the company just changes the status and I only received a credit report from Experian nothing else that I asked for. They need to send me the documents showing I owe XXXX XXXX XXXX because the documents I have shows different. Both XXXX and XXXX have since removed the Account from my credit report due to inaccurate information.
Product: Credit card or prepaid card

During the pandemic had reside in a shelter at XXXXXXXX XXXX XXXX XXXX and at the time my NyState ID was stolen. I did make a complaint to the shelter nothing was done.I did make an appointment to get another sent to the same address and the DMV did say I would get it within 2 weeks. I check the DMV site and they said it was mailed to the ( address above ) but I never got it in hand from shelter staff  who operated in mail department XXXX. Then when that option didnt work I had my ID sent to a friendin XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX his name XXXX XXXX and when I asked if he received it he said yes I said okay have it sent to my storage unit which was XXXX XXXX XXXX at the time when I had asked them if I could receive an important document by then it was too late so I thought they would return to sender which the post office normally does but when I asked XXXX XXXX if my storage unit XXXX XXXX XXXX located on XXXX XXXX had returned my ID to him? He said No I asked are you sure? He then stated why would I steal from you which sent off a red flag in my head but I didnt pay much attention to it because I had nowhere to stay and need my ID so I can at least get employed. I tried again I called the DMV to check if theyve received back any of my IDs that they sent out they said No! I said ok well I need another ID and this time you can resend to the same XXXX XXXX address. During my stay at the shelter I did have someone steal my XXXX debt card and my Capital one Credit card info! Ran my credit through the roof and stole my funds from my XXXX account! Not to mention my son and I SSN #, my ID, my Passports and birth certificates were stolen!
Product: Debt collection

ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' IQ INTERNATIONAL AND XXXX XXXX XXXX XXXX XXXX XXXX.AND VIOLATED " FCBA, FCRA, FDCPA ''
Product: Mortgage

I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Citizens Bank website it says that it gives one the option to check there rate for a student loan to see what there rate would be and this would have no effect on there credit report or score. With that in mind i went ahead to check my rate. When I completed checking my rate I saw where a hard inquiry was done on my credit report. I was shocked at this and so I emailed Citizens Bank and informed them of what had happened and asked them to remove the hard inquiry as there website said that it should be a soft pull. 
They have not removed the hard inquiry from my credit report despite my complaint. 
I checked my rate on XX/XX/2022 and up to this date citizens bank has not deleted the hard inquiry from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been well over of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 - Persons of Contact were XXXX & XXXX - No one can find an account or application with my information yet the JPMCB continues to have a negative impact on my XXXX Credit Report. I have called XXXX Case # XXXX, faxed XXXX & emailed this company at XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2022. I visited XXXX XXXX for a fitness training consultation. I asked for more details about the training classes they offered when I visited. It was explained to me by the gym staff that I was only going to get charged a one time payment of {$29.00} for the Month of XXXX. I provided them with my Macy 's American Express card for this one time payment of {$29.00}. In the month of XX/XX/2022, I visited the gym twice, and I didn't go back since. Fast forward to XX/XX/2022, I noticed in my credit card statements that the one time payment I agreed to was a reoccurring payment of {$29.00} plus an additional {$360.00} that I never authorized. In total I was being charged monthly {$380.00} from XXXX to XXXX. Thats a total of {$2700.00} that I did not authorize. Once I realized these statements, I immediately went to the gym to figure out why I was getting charged and close the account. I called Macy 's to file a billing dispute and explained the situation about me not authorizing those payments. They mailed me their decision which stated the investigation was closed due to them not finding evidence. I appealed it twice, and I got the same response from Macy 's again. They only investigated the case for four days. I did not authorize those monthly payments of {$380.00} and I need Macys American Express to investigate this deeper for me and prove that I did not agree to those charges.
Product: Debt collection

Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!
Product: Credit card

On XX/XX/2023 I purchased clothes from a merchant named XXXX for the amount of XXXX order XXXX XXXX Tracking from XXXX : I have previous orders with the merchant and had no problems with them but in this case I never recieved my order. I attempted to reach out to the customer support several times before I involved my bank ( Apple Card/ Goldman Sachs ) Dispute case : XXXX I never once recieved a reply from the merchant about my items not delivering. I also attempted to reach out to dhl to open a missing package but was unable to as its the merchants responsibility. I was able to get confirmation of the signature that clearly wasnt mine. All this was provided to Goldman Sachs/ Apple Card and I was surprised to see that the dispute was not ruled in my favor as I clearly was being ignored from the merchant who decided to challenge my dispute as I had notified them because I thought it was the responsible thing to do and act in good faith. I am providing the evidence that I provided them with which proves how this was unjustly ruled in favor of the merchant despite me paying for something and never receiving it. I provided my signature so they can compare with the one that was provided as well as a sworn statement confirming I never received my items.
Product: Debt collection

Someone claiming to be from American Express has called my work on a few occasions after I told them never to call my work again.
Product: Credit card or prepaid card

The problem is with a U.S. Bank Gift Card purchased at XXXX. XXXX, the named agent on the card, has stolen {$12.00}. A purchase for {$12.00} was made on XXXX19. Upon checking the card balance online, the {$12.00} charge was accompanied by another " Pending '' transaction for the same amount from the same company on the same date. I called the XXXX phone number listed on the card and reported the problem. I was told the duplicate charge could not be removed. I was told it was clearly a duplicate transaction and would come off of the card within 48 hours. This phone call was made on XX/XX/XXXX. I checked the card balance today and the disputed amount now shows up as a charge on XX/XX/XXXX. 

XXXX said I have to dispute the charge and it takes up to 240 days to resolve. Meanwhile, as I was talking to them, my online statement was taken down! After pointless conversations with a XXXX agent and then supervisor, it is apparent the money has been stolen and XXXX is going to give me the runaround until I get tired and give up. 

After too much time it became obvious that this duplicate charge was no accident and was not going to be restored. I believe XXXX is DISHONEST and has stolen these funds. STAY AWAY FROM VISA GIFT CARDS, XXXX AND U.S. BANK GIFT CARD!!!!
Product: Credit card or prepaid card

This is the 3rd time Vanilla gift card charges me for purchases I did not make. Every time I call them they open a case but never do anything and I always lose my money. Is not much but they need to stop selling their cards. It's very upsetting that it keeps happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting an account on my credit that I would like removed. I have paid on this account however, it continues to report on my file and affect my score. I ask that mountain land collections remove this account from my file. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Product: Debt collection

We experienced a fire casualty to our residence on XX/XX/XXXX - a neighboring unit experienced a fire, and the resulting water damage from firefighting efforts rendered our unit unsafe for habitation. Also, extensive damage to the unit resulted in our enjoyment off the dwelling unit to be substantially impaired, specifically we where unable to utilize our master bedroom, the master bedroom closet, the master bath, as well significant portions of our living room and kitchen. Pursuant to A.R.S. 33-1366 ( XXXX ) we first advised our landlord in a letter on XX/XX/XXXX that we were terminating the lease per our rights under State Law. On XX/XX/XXXX, we hand delivered our keys to the apartment, and the landlord signed that they received the final letter and keys to the unit, and that they are aware that we were terminating our lease per the relevant state statutes. 

Subsequently, the landlord referred this invalid and un-owed debt to a collections agency ( XXXX. XXXX XXXX, XXXX ) in violation of ARS 33-1366 ( b ) which states that the " Accounting for rent in the event of termination or appointment is to occur as of the date the tenant vacates all or part of the dwelling unit. '' The collections agency was made aware of the basis for the termination of the lease, and that until and unless the debt is validated via a court determination that ARS 33-1366 ( a ) the debt is invalid. We relayed this information in two letters dated XX/XX/XXXX and XX/XX/XXXX. And that we claim all rights, privileges, and remedies according to the FDCPA and FCRA in regards to this. 

Subsequently, in XXXX of XXXX we were made aware that they had reported this invalid debt to the XXXX Credit Bureau.