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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my third request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for XXXX XXXX XXXX  and Transunion 1 ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than XXXX  years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have XXXX different erroneous addresses for me which include family members addresses XXXX XXXX  apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA. XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why are these addresses on here and where did they come from XXXX XXXX 

I have requested an explanation of what the following alleged accounts and balances are for XXXX XXXX XXXXa complete audit trail XXXX XXXX XXXX documentation that shows i agreed to pay the debts listed XXXX XXXX XXXX XXXX XXXXwritten permission or agreements I have with these companies XXXX XXXX XXXX XXXX XXXXnotification to me 30 days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are XXXX XXXX XXXX  what agreements i have with them XXXX XXXX XXXX ... all of them show different amounts on each report XXXX XXXX XXXX XXXX  they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX
Product: Checking or savings account

On XX/XX/XXXX  I attempted to login to my account an e-mail was never sent to verify me. I called and USAA told me to drive to XXXX ( several states away ). So they could verify who I am as they sent e-mails that never arrived to verify who I am. I somehow got verified and was sent a token but that token requires a cell phone to work which I do not own. I can not get into my account, I can not report that my account has been compromised and customers are not allowed to report the theft or compromise of their accounts without being verified. 
I made a request to close my accounts and that request was denied because they claim they can not verify who I am. I made a request to block my credit card or cancel my card and that also can not be done because they can not verify who I am. 
I finally made a request to removed/cancel my membership with USAA and they can not do that either.
Product: Checking or savings account

My parents both passed away ( Father- XX/XX/XXXX, mother- XXXX XXXX, XXXX ) and we have been trying to close their account since XX/XX/XXXX. I have power of attorney and am the executrix of both their wills. I was a signee on this account, but the bank seems to have no record of Mom and I filling out the card adding me in XXXX XXXX. We were out of the country so my father made this POD to my brother so he could have access to these funds in case something happened to mom. My brother lives in XXXX, MO, out of the PNC Bank footprint, and can not travel because of severe XXXX. Since PNC wouldn't let me have access to the funds, my brother called requesting info/forms to do this. He specifically asked if the letter identifying him and asking for the account to be closed needed to be notarized. The lady told him no, it did not. He sent in the letter/form and death certificats and we waited 3 weeks, no response. Meanwhile, the branch manager here in XXXX, Ky e-mailed in my parents death certificates 2 ( TWO ) times. I pressed the issue here in Kentucky to find out why we hadn't heard anything and they finally told us my brother had to write the letter requesting the account be closed and this time it had to be notarized, which he promptly did. They also needed Mom 's death certificate, so the local branch emailed it in AGAIN. That was over four weeks ago and we still haven't heard one thing from the bank. I have called and visited the local branch several times to find out the delay. I might add my parent 's other account at another local bank was closed in 10 minutes. PNC bank has lied to us, lost my signature card and Mom 's death certificate, put me on hold on the telephone for, literally, HOURS to try to get some action on their part. I have remained calm and patient, but this is getting to the ridiculous stage. I'm beginning to think they aren't going to let us close this account. We NEED this money to pay Mom 's final expenses. We need some help here, they have treated me terrible, although XXXX, the branch manager, has been nice. Please, please do something, it's been 2 months.
Product: Credit card or prepaid card

I placed an order for two {$200.00} XXXX XXXX gift cards, and the gift cards that were sent did not work when I click the link that Chase sent me, it says your reward can not be viewed at this time. I called and asked them to open a case, but that was back around XX/XX/XXXX, I still dont have working gift cards or the 40,000 points I spent to get them. I have called Chase and requested a refund of my points but they still have yet to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I ' ve attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Product: Credit reporting

ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2  : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Prepaid card

I had received a prepaid XXXX XXXX  card with a balance of {$1500.00} from XXXX  on XX/XX/XXXX and was unable to use it even after activating it. When I called InComm, the company who is the service provider for card services, thecustomer service team collected information to validate and asked me to wait 24 hours to use it. Before I could use it the next day, I saw there were 3 fraudulent transactions that were made {$500.00}. 
Details below : 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} I was able to contact InComm through phone within 2-3 hours of seeing the transactions and they had raised a case on my behalf and informed it would take 45-90 days for resolution and get the money back. The only way to follow up on the case with the disputes team was by emailing to XXXX. I emailed them a few times and never got any response on the status even after 75 days. Finally I get a notice from that email saying they have evaluated the case and unable to approve my dispute. So I call customer service to follow up escalate the problem and reopen the ticket or open a new ticket and they are not willing to help, asking me to send an email to that ID again. There was no response on my earlier queries to the same email ID, and they're unable to transfer over to the disputes department. I got in touch with a supervisor and they say the same thing. I had raised the issue soon after the fraud transactions had taken place and it feels like they lacked the motivation to follow up on the case immediately. It's definitely fraud and I'm at a loss at how this has been dismissed. I'm attaching the final notice I received from XXXX. I'm an upstanding citizen and have no bad reports on my credit and have never been involved or even had such experiences in the past.
Product: Mortgage

Our mortgage has been paid to below XXXX % since XX/XX/XXXX. By law, the servicer is required to drop Private Mortgage insurance at that point. I have requested our servicer, BSI financial to drop the PMI three times, and it has not happened.
Product: Credit card or prepaid card

I purchased a ring at the XXXX jewelry store onboard a XXXX XXXX cruise ship, the XXXX XXXX, on XX/XX/XXXX. The purchase was for {$4200.00} part of other expenses I incurred on the ship totaling {$4800.00}. I paid for my purchases using the XXXX XXXX Visa card issued by Barclays Bank. The ring needed to be sized and was going to be delivered to my home a week or two after the cruise. I never received this ring! I began calling the jewelry store, XXXX, in XXXX inquiring about delivery of the ring. I was told they were shut down because of the COVID-19 quarantine in XXXX and XXXX did not know when the ring would be sized and delivered to me. I asked for a refund. After many weeks of hone calls and emails with XXXX, I was told a refund was issued on XX/XX/XXXX. On XX/XX/XXXX I disputed the charge of {$4200.00} with Barclays because I did not receive the refund promised. On XX/XX/XXXX Barclays denied the dispute. I contacted XXXX again and asked about the refund and they told me XXXX issued the refund on XXXX XXXX but XXXX XXXX would issue the refund to my credit card account. I called XXXX XXXX to inquire about the refund and was directed to an automated recording stating their accounting system was not able to issue any refunds and the call was disconnected. I have never received the ring or a refund for the purchase and Barclays should remove the charge from my Visa account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thank you for your complaint  XXXX  about EQUIFAX, INC..   We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.  [    XXXX   XXXX   XXXX   XXXX  !!!! im the victim and equifax is the fraudster!! ] thank you for your admission of GUILT, Equifax can not respond with clarity, they are THE PRIMARY REASON FOR BLOCKING MY ACCOUNT WITH  XXXX !!! AS THE EVIDENCE CLEARLY SHOWS, AND THE NEXT COMPLAINT WILL BE AGAINST THE CFPB FOR ALLOWING THEIR  XXXX   XXXX  RESPONSE NUMEROUS TIMES!!!!!!!!! THIS IS UTTER  XXXX  THE WAY MY COMPLAINTS GET CLOSED WITHOUT A VALID RESPONSE WHE N IM SH OWING TANGIBLE EVIDENCE OF THEIR CRIMES!!!!!!!!
Product: Money transfer, virtual currency, or money service

I have transact with virtual goods like trying selling XXXX  currency and receive payments through Paypal but it it says that it will be hold for 7 days until it goes 21 days and now 180 days. I'm worried about my funds so I have my own research and found out that some of the complaints are they don't get their money back after 180 days so I refunded it to the buyer and now I lost {$10.00} but that's fine. My concern here is my paypal account because it has been permanently limited. I need my paypal for transactions like receiving money from the buyer because I haven't receive my remaining payments yet because I'm on permanently limited. Hope you would fix this because it really gives me headache. As soon as possible please.God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX via XXXX for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and XXXX XXXX and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my XXXX account and not my XXXX account. I am suggesting that XXXX XXXX has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. 

Today XXXX when I called the credit reporting division of XXXX XXXX who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.
Product: Checking or savings account

A wire transfer was sent to American Express Savings Bank on XX/XX/2019 of approximately {$8.00} million to be credited to my account from stock sale proceeds. American Express refused to credit the funds to my account, insisting that they needed a confirmation from XXXX XXXX before they would credit the funds to my account. I am losing {$400.00} a day in interest and being treated like a criminal by American Express Bank. I have talked to people at XXXX XXXX, the bank that sent the wire transfer, and they stated that they have never heard of such a confirmation being required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-2023, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 no knowledge of this debt. It does not belong to me, yet it has been listed on my consumer credit report causing financial harm.
Product: Debt collection

ive been a victim of identity theft with a credit card from XXXX XXXX  being collected on by cavalry portfolio recov i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report
Product: Mortgage

I applied for the loan-modification on XX/XX/XXXX. Rushmore did not process on time and sent me an other loan modification application on XXXX XXXX. I sent back signed loan modification application with all required documents on XXXX XXXX. 


At XXXX XXXX, today XX/XX/XXXX. I, XXXX XXXX, talked to Rushmore Rep. Asked to update on the loan modification application submitted on XXXX XXXX. Rep acknowledged that the complete application package was received to rushmore on XXXX XXXX, However not yet processed. I asked him to reschedule an auction and postpone tomorrow 's auction ( XX/XX/XXXX ) until reviewing my loan modification application. Rep confirmed to me he is going to talk to the concerned department to do the needful. 

I would request an extension of auction to review my loan modification package, send me reinstatement and pay off the quote. 


From XX/XX/XXXX till dateI, I called several times and left several voice mail to single point assigned on that laon Ms. XXXX on number XXXX i, But never received a response. Kindly contact me on my number XXXX Regards, XXXX
Product: Credit card

My Milestone credit card has started slapping {$250.00} interest every single time. They also increased the balance without my knowledge. I am refusing to pay them because I think this is completely illegal and unfair.
Product: Credit reporting or other personal consumer reports

I have done everything I can possible think of to handle being harassed daily by XXXX XXXX {$490.00}, XXXX {$750.00}, XXXX {$34000.00}, XXXX {$8800.00}, XXXX {$25000.00} and many other companies. The credit bureaus have also been fraudulently reporting negative items on my report that are inaccurate and are a complete cause of identity theft. Please stop harassing me I have been attempting to buy a home with my soon to be husband and the emotional stress this brings to me and my family is causing me to be depressed. Please help me remove these negative remarks due to identity theft and data breach as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, XXXX will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a text if I was out of my geographic area, I replied no and I received a call from BOA and representative stated my account was flagged for fraud due to an online loan. Conversation was not completed and was told to call Monday. I decided to check my accounts and I noticed a check for the same amount was deposited in both savings and checking accounts ; reported it to BOA fraud department and made two claims. I changed my username and password, I notified the representative and he stated he reset my password ; gentleman DID NOT notify me of resetting my password and I told him I had JUST changed it. He stated sorry, I did. In the evening of XX/XX/XXXX I XX/XX/XXXX money to a young man that was in XX/XX/XXXXXX/XX/XXXX and I placed the information wrong twice, corrected the 3rd time. I received a text asking if I did this transaction, text yes, then I received a text stating to contact BOA. I did and was told to wait following day. On XX/XX/XXXX I was on the phone all morning to be told 1.I need to go to a branch with two forms of ID 2.THEN I was told my accounts were closed. I explained I needed access to my funds for groceries to feed my children etc. I informed the representative I was not aware of my account being closed and no one informed me ; I was told my checking account is open for payroll deposit ; however I will be receiving a cashier 's check.I looked at my email and I read it was. On XX/XX/XXXX I called Fraud Department and I was told that my accounts are closed and they don't need to explain to me why. Finally representative stated due to possible fraud and I will not be able to have access at all, nor open a new account and I have to wait 42 days for my funds. I explained my payroll gets deposited and the representative stated that I need to figure that out. I explained that a payment got rejected when I had sufficient funds. I explained I'm leaving out of state Friday and I needed access. I was told even if I go inside a branch I will not receive my money.