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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX ( Account Number : XXXX ) To Whom It XXXX Concern, I am writing to formally dispute the accuracy and validity of the XXXX account ( Account XXXX XXXX XXXX ) that appears on my credit report. This account is not mine and was opened as a result of identity theft. 

As supporting evidence, I am including the following documentation : XXXX. XXXX XXXX XXXX XXXX A letter from XXXX XXXX XXXX dated XX/XX/XXXX, confirms that the XXXX account XXXX which is currently owned by XXXX XXXX XXXX XXXX was found to be fraudulent. As a result, the account has been closed, and a request to delete the tradeline from my credit report has been submitted to the credit bureaus. This letter serves as proof that the account was fraudulent and should be permanently removed from my credit report. 
2. FTC Identity Theft Report I have filed an FTC Identity Theft Affidavit ( FTC Report Number : XXXX ), detailing the fraudulent accounts, including the XXXX account XXXX This report confirms that I am a victim of identity theft and supports the removal of these fraudulent accounts from my credit report.

3. Id
entity Verification Documents I have included a copy of my California ID and Social Security card to verify my identity. 
XXXX. XXXX XXXX XXXX A document from XXXX XXXX, which bought the account from XXXX, stating that the account is fraudulent and should be removed from my credit report. 

In light of this evidence, I request that you immediately delete the XXXX account XXXX Account XXXX : XXXX ) from my credit report. This account was opened without my authorization, and its presence on my credit file is severely impacting my creditworthiness. 

Please confirm in writing that this account has been removed from my credit report. I appreciate your prompt attention to this matter. 

I will be including in this letter, these attachments XXXX. XXXX - XXXX - XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX ( XXXX KB ) XXXX. XXXX XXXX.jpeg.png ( XXXX KB ) XXXX. Social Security Card.pdf ( XXXX MB ) XXXX. XXXX - Emer rights.pdf These files include documents related to your dispute with XXXX, your identity verification ( California drivers license and Social Security card ), a letter from XXXX, and additional supporting documents. 

Thank you for your cooperation. 

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

I mailed via certified mail of several documents on XX/XX/XXXX to Experian disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Experian stating, bankruptcies have been verified as accurate by XXXX. I have not received any correspondence from Experian regarding documents sent on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have been continuously reporting inaccurate information on my credit report, even after previous disputes. I have attached a letter that provides proof of the inaccuracies and discrepancies in the reported information. Despite multiple attempts to have this resolved, the errors have not been corrected, and no valid documentation has been provided to support the continued reporting. I request that this matter be fully investigated and that the inaccurate information be removed from my credit report based on the evidence provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached to XXXX on numerous occasions via certified mail, XXXX and phone to notify that the name, address and number variations on my profile are inaccurate.
Product: Credit card or prepaid card

At the beginning of XXXX I received an offer from Capital One for a credit card with 0 % APR on purchases and transfers until XX/XX/XXXX. I applied and was approved and on XX/XX/XXXX I received, by USPS, the document " Capital One Account Terms. '' On page 2 of the document, it confirmed that the offer is " Annual Percentage Rate ( APR ) for purchases and transfers - 0.0 % Introductory APR through your XX/XX/XXXX billing period. ( see attached ) I received my capital one credit card via USPS at the end of XXXX. On XX/XX/XXXX I called to activate my card and do a balance transfer. I was advised by the Fraud specialist that this offer was not on my account. He contacted several different departments who also stated they did not see the offer on my account. I was transferred to the account supervisor. She advised me to login to the website and attempt a transfer. I received the following message : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. 
When I accepted the terms and conditions of the card, I agreed to the card with the 0 % balance transfer APR. I feel misled and lied to by Capital One.
Product: Debt collection

I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.
Product: Credit reporting or other personal consumer reports

I have been trying to communicate with the bureaus to get XXXX account deleted from my file. I have been explaining that I am a XXXX XXXX XXXX I am a XXXX XXXX XXXX  and I fortunately survived. However, I checked my report, I am trying to get back up but I see items on my report that are not mine. These items are a result of identity theft due to XXXX XXXX problem I had. I am asking your agency to help me out. I have to clean my file, so I can move on but the bureaus are giving me a hard time. Can you please intervene and get these items removed. I appreciate your help.
Product: Mortgage

I scheduled a payment to be sent out to my mortgage company on XX/XX/2023. For some reason it was sent to my previous mortgage servicing company, I called my current mortgage company, Select Portfolio Servicing Inc ( see attached ) in XXXX, they have told me it happened a lot in the past. They said they will get the money transferred from old mortgage company without any problem. A few months later they send me a letter stating that the old company ( XXXX Mortgage ) has closed and they could not obtain the cashed funds from XXXX Mortgage, I have to work with my bank, XXXX, to retrieve the fund. I talked to XXXX, they told me there is nothing they can do either. So what can I do now to retrieve {$5200.00} to pay for my mortgage? I think my money got stolen and no one willing to help this minority woman.
Product: Consumer Loan

I went into a XXXX dealership and was told I would receive a rate of .9 %. We agreed to a price and vehicle with the specific options I wanted. I explained that my trade in was n't running ( alternator died XXXX, and I would have to go charge the battery for the trip to the dealership. I came back the next day with my trade in and was pushed off to another salesman who said that they could not honor the price or the rate that we agreed to yesterday. I had driven my trade down there already and it was n't going anywhere. I was unable to do anything but take the new terms they offered. I then met with the man responsible for the contract and I noticed that one of the options that I had requested did not appear on the contract XXXX cross bars ) and specifically asked him about that. He said that they were included with the roof rails that were on the contract. I to possession of the vehicle and made the appointment at the dealership to have the options installed that we had agreed on. After having the options installed they indicated that the cross bars were not included. I questioned the man that wrote up the contract for us and of whom I had asked about the cross bars before and he claims he never said the cross bars were included. At this dealership every person that I spoke with deceived us and then passed us on to someone else. All of these sales and finance staff acting as agents for Honda XXXX Finance appeared to have a routine pattern of deception and shifting responsibility. I am now paying more than I originally agreed for both the loan rate and options on the car.
Product: Mortgage

Shellpoint Mortgage has issued several Foreclosure notices and late notices on my Account XXXX XXXX XXXX. However, all payments have been made timely and in advance by 60 days, they have misapplied the amounts, and i have made Fax, verbal and XXXX notice to the servicer with abolsolutely no response. I am at a complete loss to next steps other than hiring a law firm. I have provided them copies of all cancelled checks and payments confirming without question i am 100 % correct.
Product: Credit card

I contacted carcredit customer service regarding a XXXX interest charge on my account my balance with this company is XXXX. I contacted the company about the charge and was hung up on, I believe her name was XXXX. This is crazy XXXX charge on a balance of XXXX and this card can't be use everywhere. These companies and there rates needs to be looked into!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. Experian had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and XXXX XXXX, and its been well over 30 days.
Product: Credit card or prepaid card

XXXXXXXX XXXX allowed a credit card for XXXX XXXX to go through in my name in the amount of {$830.00} back in XXXX of XXXX i already reported this issue in XXXX when I found this on my credit report im trying to take care of my credit report due to buying a house and can not due to this account being on there and I did not give the ok for this to go through i have never tried for this credit card nor did i approve for them to pull my credit to approve this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote dispute letters asking for eqifax to show me how they validated the false information they were given they failed to respond to me within 30 days. They did not provide me any proof of the investigation or how they got their information
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX .... 
XXXX .... 
XXXX ... XXXX 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice. 
I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have detected one incorrect record on my credit report from XX/XX/2016 for a " hard inquiry. '' The hard inquires have been performed by : Citizens Bank.

I have never authorized nor I recall authorizing a credit card or any form of credit request from Citizens Bank during these dates.

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, XXXX, AND TransUnion are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, XXXX, AND TransUnion or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Product: Debt collection

Outstanding on time payments and final payoff to card was XXXX. Due date was XXXX and money arrived 12 hours later. Late fee charged on XXXX for {$29.00} then another late fee charged on XXXX even though the balance was paid of XXXX. They state they can not waive both late fees. I find it appalling on a holiday weekend they charge a late fee for receiving a final payoff hours after the due date. Unacceptable on their part to take {$60.00} from me that is not owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing errors on my credit report on accounts thats reporting inaccurate information on XXXX, equifax and XXXX for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX, XXXX, XXXX XXXX account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXXXXXX listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.
Product: Vehicle loan or lease

I purchased a new XXXX  XXXX XXXX XXXX back inXX/XX/2019. The vehicle starting giving problems a month or two after purchase. I took the vehicle back to the dealership with ( brake noises ) concerns, which turned out to be the rear axle. Even after the repairs, the problem still processed. So I started my XXXX XXXX case with the XXXX and XXXX. In the XXXX  letter of responsibility did no state I would have to cover negative equity, so I proceeded to purchase another vehicle to prepare for the repurchase. A week later XXXX sent over the repurchase letter, which stated I would owe {$14000.00}, in order for them to buy back a defective truck. I didnt have the funds so it triggered a repossession to take place.
Product: Credit card or prepaid card

Received an email Synchrony Bank / Amazon Store Credit Card on XXXX  saying I missed a payment due XX/XX/XXXX. 

Called XXXX XXXX in email that stated Mail Payment to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX Went to my XXXX Account on Computer called their Customer Service # saying they received my payment and I was not late and that it was a scam. 

I almost mailed them XXXX  dollars. 

Please get these Fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company told me once the payment would be made to settle the account that the trade line would be removed. This company did not remove that trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent inquires on my account that I need removed. 

I have sent multiple dispute letters in to report the fraud. I have contacted the credit bureau as well as the creditors. 

The inquiries are : Capital one XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

To Whom It May Concern : My name is XXXX XXXX XXXX, and my reference number is XXXX. I request an immediate investigation into the improper use of my debit card and personal information. 

On XX/XX/2024, an unauthorized individual entered Citibank branch # XXXX and withdrew a total of {$9700.00}, which a manager approved. This individual made three separate attempts at the same branch between XX/XX/XXXX and XX/XX/2024, and then proceeded to XXXX, NJ, branch # XXXX, where they attempted again unsuccessfully. 



I was not contacted via text, email, or mail regarding these transactions. I discovered this deduction only when I checked my account on XX/XX/2024. Additionally, I was informed that the same representative who opened my account contacted branch # XXXX, advising them that I would be coming in. Is this standard protocol? 

I explained to the Regional and Branch Managers that I did not make this withdrawal. Despite my efforts to resolve this issue, I have repeatedly received misinformation regarding the status of my dispute. I visited a branch to have all necessary documents scanned into your database, but I was told later that they were never received. I faxed the documents after requesting them to be emailed, as I never received the Victims Account Indemnity Agreement via mail.

This situation is unacceptable and has caused me significant distress. I request a thorough investigation into this matter and prompt resolution. I expect to be informed of the status of this investigation and the steps being taken to address this security breach, including but not limited to a formal investigation to determine if my original card was shredded at branch # XXXX by XXXX XXXX. Was it protocol for her to call the branch in question? Furthermore, I would like to understand why the additional withdrawal attempts were not included in the investigation. 

This situation is unacceptable and has caused me significant distress. I request that my funds be reinstated promptly. I expect to be kept informed of the status of this investigation and the steps being taken to address this breach of security. I can not stress enough the urgency of this matter. 



Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I asked for my debit card to be shipped to XXXX XXXX XXXX XXXX XXXX XXXXXXXX but they shipped it to my address in Virginia. The card then had to be shipped to Colorado from Virginia by my boyfriend because Wells Fargo improperly delivered my card to the wrong address. I activated the card then realized it was missing and reported the charges. The charges were made by XXXX XXXX in Colorado which is a sports betting app and only works in that state. I do not have an authorized account with them and I notified customer service of this after which they closed my account. 

I ordered a new card to Virginia and as soon as I activated it funds were taken out of my account in Colorado. If they check the location of where I activated my card vs where it was used- it is evident that it was used in a geospecific location where I was not located. 


This was unauthorized use of my account and debit card. I have been unable to add my debit card to my apple wallet and I have called customer service to report this problem. They were unable to verify my charge. They can again check the IP address. Someone is making XXXX XXXX accounts using my identity and withdrawing large sums of money from my account. I can not use my card on a website in Colorado if it was activated in Virgina. 

Wells Fargo even sent me a notification that they think my username and password may have been published online by another website or service.

The customer service agent changed my username for me which is illegal and they are not supposed to do that on my behalf- check the phone records.

I called the claims agent and they were able to provide no information other than the card was activated and used. 

No advanced access code was sent for a suspicious XXXX transaction.