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

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

Details of the fraudulent items and the severalremoval attempts : I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX  SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance XXXX : $ {$5500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

XXXX originally charged for internet service at a home that I sold ( and was vacant due to renovations after the sale ). The person that purchased my home informed me of the debt when they finished renovations and tried to connect internet service. I contacted them and explained, they agreed to research and pull records and call me back, they never called me back. XXXX continues to sell the debt to various collection agencies who resubmit for collection. I have provided details, including the HUD to prove the date of sale at the address, to XXXX twice and had the debt removed both times. Now they have put it on my XXXX credit report and I have submitted the information and pending the result. The amount is {$200.00}. I am tired of having to repeatedly provide documentation for something they have failed multiple times to prove is my debt. My credit score has been negatively affected in a major way, preventing me from refinancing my home until this is cleared up.
Product: Debt collection

I received a call today ( XXXX ) from my mother saying XXXX from XXXX XXXX called her looking for me. I called the number back, XXXX answered the phone and stated we were on a recorded line. He had me verify my name and date of birth. He said he is calling to collect a debt that we breached a contract with. I told him we are working with another company to resolve this, and he became angry. He said we need to solve this now or the original company would come after us. Ive seen what this company can do to families, and I wouldnt want to be on the receiving end of that. It felt incredibly threatening. He says we were on a recorded line, so there should be a recording of this conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX XXXX XXXX XXXX when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXX XXXX, dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX transunion XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX DISCLOSURE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband passed away on XXXX, XXXX. I did not wanted to make any close account of his until XXXX. This IRA account was under his name. The bank makes me want until I received a bunch of forms and papers that I did not know what for, when I already showed his death and my marriage certificate. They read in the account that I was the only beneficiary. Usually, staff from the branch of Citibank, helped me and they communicate with the main office in another state. They fail to answer where the money went, because according to them my husband had only {$29.00} instead of {$5200.00} ( originally he had {$6000.00}, but he withdraw {$800.00} ). Due my husband was disable, I made all the opening paperwork, but it took some time to receive his SSD, so he told me about the withdrawal ). It was the only one
Product: Credit card or prepaid card

I HAD A VISA CREDIT CARD FROM THIS BANK & THEY CHANGED IT TO MASTER CARD FEW MONTHS BACK. WHEN, I ACTIVATE MY NEW MASTER CARD, I WAS TOLD THAT I WOULD RECEIVE A BONUS OF {$75.00} AFTER MY FIRST.I DID MADE MY FIRST PURCHASE BUT NOTHING SO FAR. I MADE TRANSACTION EVERY MONTH AFTER THAT, BUT I DID NOT RECEIVED MY BONUS OF {$75.00}. THEIR CUSTOMER SERVICE WAS VERY BAD. THEY DID NOT CO OPERATE AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and Equifax has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, Equifax, XXXX  or XXXX  ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.
Product: Credit card

Upon checking my credit score, it was brought to my attention that on XX/XX/XXXX there was a citibank credit card opened under my name. This card was never opened by me, this was opened fraudulently using my social security number. This card was maxed out at {$6800.00} and has now been closed as of XX/XX/year> by credit grantor CITICARDS CBNA. I have gone ahead and reached out to CITI bank and informed that this Credit card was opened fraudulently under my name, they have informed the account has been closed and there is nothing that can be done at the moment. They informed that fraud investigations will reach out to me if additional information is needed. I did receive an email on XX/XX/XXXX to confirm if opened this card, I never confirmed the card through the email. If i would've caught this on earlier i was have obviously declined me opening this new credit card.
Product: Credit card or prepaid card

My first problem with Avant is my due date for my bill was assigned to me. I asked the company to change my billing due date stating that this was an inconvenience. The company would not change my billing due date stating it doesn't matter that they don't charge late fees. Upon going to pay my bill on the XXXX of XXXX I noticed a {$25.00} late fee. I emailed asking for this lady to be removed because I was told that there are no late fees If I pay within the first 5 days. Also I asked for a credit line increase. I was told that my credit line increase was denied because my credit was Frozen. At the time I applied my credit file was not frozen. I made sure it was not frozen and I was told to go back and reapply again when I applied it said that it was too close to the previous time I applied. Why would they tell me to reapply knowing that it would be denied a second time because it was too close. This is a violation of the fair lending act. I should not have a late fee because I asked for my due date to be changed and I paid within the 5-day limit. I also as for credit line increase. And I get every excuse in the book after apparently a staff member gave me the wrong information. Fix it or we can go to arbitration!
Product: Mortgage

I sold my house in XX/XX/2023, and its still on my credit report, I contacted XXXX and XXXX about this and its hurting my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ] Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Account Type : Auto Loan Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : COLLECTION Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX Account Number : XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made an online " Global Transfer '' on HSBC 's online banking system, and when I realized the terrible exchange rate being used I immediately ( within 5 minutes of the online transaction ) called HSBC 's Premier Customer Relationship Center and asked for the transfer to be cancelled ( as allowed by the wording on the receipt ). The lady at HSBC 's call center in the XXXX said she was unable to revert the transaction. According to the attached receipt, I can cancel for a full refund within 30 minutes of payment. I contacted the Premier Customer Relationship Center within 5 minutes, as instructed in the Receipt. 

The transfer amount was {$50000.00} at an exchange rate of US {$1.00} = XXXX XXXX  The market exchange rate that day was US {$1.00} = XXXX XXXX If I had used some other non-HSBC services, such as XXXX, I would have gotten the market exchange rate and paid US {$360.00} in total fees - a much better deal than with HSBC! 

Thus, for US {$50000.00} I got XXXX XXXX with HSBC. To illustrate the real market exchange rate, with XXXX I would have gotten XXXX XXXX. 
Thats a difference of XXXX XXXX, or US {$880.00}, to show the abusive exchange rate HSBC USA charged me. 

To further corroborate my case, on XX/XX/2018, I used TransferWise to send USDXXXX to my HSBC XXXX XXXX account. XXXX entered into my account in XXXX XXXX on XX/XX/XXXX. Thats an effective exchange rate, with all fees included, of XXXX XXXX per USD. Compare that with HSBCs exchange rate of XXXX  XXXX. Its a clear evidence of the abusive exchange rate HSBCs " Global Transfer '' has charged me. 

When I opened my account at HSBC USA I was told that " Global Transfer '' had no fees. In fact hefty fees are hidden in the abusive exchange rate. 

The XXXX XXXX XXXX trades in relation to the US Dollar in a very narrow band. Thus, there is very little fluctuation in XXXXhe exchange rate, within the day, within the week, within the month, and within the year. It's a very stable currency. 

To further add insult to injury, theres one more important piece of information to add to my case showing the unfair and abusive exchange rate use by HSBC USA. Using HSBC XXXX XXXX internet banking, for exchanging USD XXXX I get XXXX XXXX ( attached screenshot, as evidence ). An effective exchange rate of HKD XXXX per USD. With HSBC USA I got only XXXX   XXXX for my USD XXXX. Thats a difference of HKD XXXX, or USD XXXX, that HSBC USA overcharged me in comparison to HSBC XXXX XXXX. Why is HSBC USA abusing its ' customers in the United States? Why doesn't HSBC USA use the same exchange rate used by HSBC XXXX XXXX? 

In summary, all Im seeking is for a fair market exchange rate. The exchange rate charged by the " Global Transfer '' was not fair by any reference, and in fact abusive. I feel I have been stolen. Hidden fees in a unfair exchange rate is definitely not the way to create trust in the banking system. " Global Transfer '' without any fees is a lie - huge fees are in fact hidden in the abusive exchange rate. You can cancel for a full refund within 30 minutes of payments '' is another lie.
Product: Debt collection

XXXX ( Original Creditor : XXXX SANTANDER CONSUMER USA INC ) has been fraudulently reporting on my personal credit. This account has been addressed with XXXX and Santander under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with Santander is FRAUD and they sold it to XXXX after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Consumer Loan

I reside in XXXX i purchased a used car 7 months ago and was never presented a copy of the contract the loan is threw go financial there operation of business is located in XXXX i calledthem and ask for a copy they sent it in the mail and to my discovery they are charging me 27 % intrest which is a violation of XXXX and XXXX Usury laws it is 18 % over what XXXX laws allowed and 17 % over XXXX laws i also discovered my signature appeared to photo copy and place the the signature line as if i sign it i am very knowledgeable in contract law in meaning i always sign without prejudice UCC 1-308 & UCC 1-103.6 then my signature following with UCC 3-402 ( b ) ( 1 ) that mean the dealer who i made the purchase threw violatedUCC 3-302 THE HOLDER DUE COURSE, because it was not a good faith contract, and the Dodd Frank Act and its a violation of the hobbs act as well.
Product: Debt collection

It all started with the company who is hiring me while they were doing my background check. XXXX of the items they wanted me to explain was a debt collection, and thats when I realized there was a mistake. The collector of the debt was " Transworld Systems Inc '' with the original creditor " XXXX XXXX ''. I contacted XXXX XXXX at the number XXXX and after XXXX attempts, I was transferred over to XXXX of the supervisors. They found my account through my SS. I live in XXXX Tx, the person who stole my identity to activate the account is in XXXX Tx. The address where the services were provided at is XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, and the phone number they used to activate the Acct number XXXX was ( XXXX ) XXXX. They asked me to file a police report ( I did it last night ) and also a report with the FTC ( I was redirected to file the complaint with you ), in order for them to eliminate it from my report. These XXXX reports have to be sent to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Checking or savings account

Hi there, On the night of XX/XX/XXXX, my wallet containing my Wells Fargo debit card ( as well as all my other cards, ID, and passport ) was stolen out of my car. The thieves subsequently used my cards on XXXX ( including my Wells Fargo debit card ) to attempt to make purchases at various retail establishments ( both inside and outside of California ). The thieves used my debit card to make a {$160.00} purchase at an establishment called " XXXX XXXX XXXX '' which was then flagged by Wells Fargo via email as a potentially fraudulent transaction. 

Immediately upon receiving the fraud notice email from Wells Fargo on XXXX, I went to my car and realized everything had been stolen. I reached out to Wells Fargo, informed them of the situation, and told them that I had not authorized the transaction in question. I was issued a provisional credit at the time ; however, a couple of weeks later, I received a letter in the mail stating that my claim had been denied and that the credit was being reversed. 

I then reached out to Wells Fargo again, re-told them the story, and I was assured by the rep that my claim had been denied because there had been a mistake on Wells Fargo 's end with the original intake of the claim. Once again, I was issued a provisional credit. Once again, several weeks later ( this time on XX/XX/XXXX ), I received a letter informing me that my claim had been denied and the credit was being reversed. 

I reached out to Wells Fargo again today ( XX/XX/XXXX ), and they told me that my claim had been denied based on a variety of factors, most notably the fact that the establishment where the fraudulent transaction occurred was close to my home, and the fact that the PIN had been bypassed when the purchase was made ( I'm unclear how that is a relevant factor - a PIN can be bypassed for pretty much any purchase by just clicking OK on the poinXXXX of sale system ). I was also told that I needed some sort of " supporting documentation '' to reopen my claim. I just filed a police report to submit to them to get the claim reopened ( I had not previously filed one because when I went to the police station, they told me that filing a report would not do anything and was really up to my discretion ). However, I suspect that Wells Fargo is trying to " outlast '' me in an attempt to effectively steal my {$160.00}.