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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Please see attached documents. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX, I initiated an ACH in the amount of {$900.00} to coinbase. Today coinbase withdrew {$3000.00} from my account and attempted 12 ACH request leading to nearly {$500.00} in fees besides the lost money. I contacted coinbase, they can give me no satisfactory answer, say they can not see the transaction on their side and don't know when they can get back to me.
Product: Credit reporting or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied and received a credit card from Bank of America earlier this year. 
I was using it to purchase items from XXXX and XXXX different times they blocked my card saying they suspected fraud. The first verification was late at night here in Hawaii where I live. The guy asked me questions about my credit history and it was very confusing, so I guess I didn't answer them correctly. The next day I talked to someone else who was able to verify my purchases. Then when I went to use my card again I was blocked again. I had even set up alerts in case there was fraud. They blocked me again and this time they said I had to physically verify my identity in a Bank of America branch. I live in Hawaii and there is no Bank of Ameria branch. Then next thing I know my account is closed. 
I just talked to someone today and I can't even make payments online. I have to send a check in. 
I am very humiliated as I am a XXXX  and I am XXXX  and work full time making $ XXXX a year. I have no reason to commit fraud, and I just want my credit card to be reopened so I can use and make payments. 
I am hoping you can help fix this situation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX, 2025 RE : Credit Report Dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am writing to formally dispute the reporting of closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that you investigate the following issue : 1. Lack of Written Consent : Under 15 U.S.C. 1681b, a consumer report may only be furnished under certain permissible purposes, typically requiring either the consumers written consent or a clear legal basis. I never provided written consent to any business to obtain or furnish my information regarding the closed accounts listed below. Therefore, I believe these accounts are being reported without a permissible purpose or authorization. 2. Request for Deletion of Inaccurate/Unauthorized Information : Because I have not given written consent for these specific closed accounts to be reported, and they do not appear to meet the permissible purpose criteria, I request that you delete all closed account information from my credit file. Please remove these accounts and send me an updated copy of my credit report once the investigation is complete. Below are the details of the closed accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate this matter and delete the unauthorized information from my credit report. In accordance with the Fair Credit Reporting Act, you have 30 days to complete your investigation and notify me of the results. Please send an updated credit report reflecting the changes once these items are removed. If you determine that the information can not be removed, please provide me with a detailed explanation and the method used to verify the accuracy or permissible purpose of the information in question. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have no idea. This number calls and will not identify who they are or what collection company they are affiliated with and or what the alleged debt is that is owed.
Product: Checking or savings account

On XX/XX/2023 I received a wire transfer from XXXX XXXX XXXX XXXX  later my account had a fraud hold. so I went in the bank with the person who sent the money to my account. They endorse the money to me inside XXXX XXXX XXXX branch with the vice president, XXXX. XXXX I provided documents for the business to show. It was a real business along with my identification. The fraud department still put a 14 day hold on the account the investigation went over the promised 14 day period. XX/XX/2023 I received a letter saying my account would be closed and I would be mailed a check with the remaining balance. now, XX/XX/2023 I went into the branch because I didnt receive a check in the mail in the fraud department told the banker that I had to send a document to XXXX XXXX in order to get my funds released from unclaimed property. They would let me claim the money that was in my account and they wouldnt send the money back to XXXX XXXX as requested. they told me after my account was closed that I had to send over documents, which didnt make any sense because when I research the information, none of what they said was true. I requested a fraud team manager over and over again they would not give me one. The guy XXXX that was working. My case was very rude and not helpful. Ive been treated like a criminal.
Product: Debt collection

XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX  call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card. 
These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX I placed a hold on my TransUnion credit report. I did not unfreeze my report. On XX/XX/XXXX, two new hard inquiries hit my account ( as reported to me by XXXX, a TransUnion product associated with my XXXX account ) which lowered my credit score by 51 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out several letters explaining that the information they had regarding accounts were not mine. I asked for the original signed documents to prove that the accounts belonged to me. The credit bureaus keep reporting the information as mine. 
sent letters XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. I even sent letters using certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have made experian aware of all the fraudulent/unauthorized activity on my file. I have mailed and uploaded in writing the 2 accounts on my file that should be removed due to identity theft. I included an FTC report specifying the 2 accounts ( XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX # XXXX ) This isn't right! I have provided all required documents for experian to help with the identity theft and they have done nothing.
Product: Credit card or prepaid card

Issue : I am a victim of credit card fraud but Chase has held me responsible for a fraudulent credit card charge, which is illegal according tot he Fair Credit Billing Act.

Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to XXXX XXXXXXXX purchases. Chase was able to cancel the XXXX purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. 

Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. I called Chase over the weekend but they said I had to call a different number and could not help and that service was available only during the weekday. When I called the first number given, I was given another number and another time that was more restrictive to call. When I called the fraud department on Tuesday XX/XX/2021, I spoke with Chase representatives about my issue. They reported that upon their investigation, the fraudulent charge was considered " authorized '' by me because apparently the ticket was purchased by someone using my name. I argued that this was a case of identity theft and fraud and whatever alerted them to suspect fraud was correct. 

Chase said they would be willing to reopen the investigation but that it could take time to resolve. I emailed them additional information and called XXXX XXXX for more information. When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. 

XXXX XXXX was not able to give further information upon my request and they suggested I reach out to the credit card company, Chase. 

I provided Chase with an email showing evidence that on the day when someone stole my identity and traveled from XXXX to XXXX, I was in fact in XXXX CT. I am able to provide evidence showing credit card purchases from XX/XX/XXXX at restaurants in XXXX. Additionally, I emailed them a XXXX XXXX XXXX  of my hourly whereabouts on XX/XX/2021 when someone stole my credit card and identity to travel from XXXX to XXXX. I clearly demonstrated that this was a fraudulent purchase that occurred on XX/XX/XXXX and identity theft on XX/XX/XXXX, as I was nowhere near the Airport. This evidence will also be attached to this complaint.
Product: Money transfer, virtual currency, or money service

I used my debit card to pay for something through XX/XX/XXXX on XX/XX/XXXX I received the items damaged and the merchant was rude and didnt help cant reach anybody from XX/XX/XXXX called my bank and did a claim now there not hleping me
Product: Credit card or prepaid card

Bank : US Bank Reliacard Texas Unemployment Benefits XX/XX/2020 : The bank 's website rejected my password and forced me to re-set the password. 
I encounter consistent problems trying to log in to their website. 

XX/XX/2020 : Four attempts to use the card for purchases and a withdrawal of cash at an ATM card were declined. 

Their website has no forms to contact them, no email, no fax, no physical address, and no way at all to contact them except to call an XXXX number. 

That XXXX number repeatedly kicks me off the line, and when it does not kick me off it has wait times well over an hour and more. Have been unable to contact anybody from this bank. 

I am an old man, I need my money to pay rent and utilities.
Product: Credit reporting or other personal consumer reports

On several occasions this year, I have sought to lift the temporary freeze on my account, encountering persistent challenges stemming from inaccuracies within Equifax 's records. Despite my repeated efforts, these impediments persist each time I attempt to unfreeze my report, resulting in multiple instances of denied credit. The adverse effects of these issues have notably impacted my applications with XXXX XXXX XXXX, and XXXX XXXX XXXX 

In my most recent interaction with Equifax on Wednesday, XXXX, I encountered anticipated challenges. I had lifted the freeze on my credit online to facilitate a phone service check for XXXX, scheduled for installation this week. However, despite my efforts, they continued to assert that the credit freeze persisted. In response, I contacted Equifax to investigate the matter, only to be informed that a system-triggered measure required me to submit my ID and social security card by mail to remove the freeze. 

Seeking resolution, I escalated the matter to a supervisor, who communicated that the freeze would persist until I submitted the necessary documentation to verify my identity. In response, I asserted that I had initiated the freeze and, therefore, Equifax had no right to maintain it, impeding my ability to access credit. 

Regrettably, this situation has resulted in yet another missed opportunity in my credit application. It is crucial that Equifax be held accountable for the profound impact these recurring issues have on individuals ' financial lives.
Product: Checking or savings account

CashApp closed my original account without warning $ XXXX and cashed the funds out to an invalid debit card tied to a closed account because of a technical issue their app was experiencing that would not allow me to update my information prior to closing the account causing me to no longer have access to it. My XXXX XXXX  account was closed on XX/XX/2022 and CashApp sent my money to that closed account on XX/XX/2022. The amount of the cash out was {$110.00}. I have provided my bank with the transaction ID given to me by CashApp and they confirmed they do not have a record of this transaction or any other made to my bank account since XX/XX/2022 and had they sent it on the morning of XX/XX/2022, it would have been returned to the sending bank automatically per bank policy by eob on the same day. I have provided CashApp with a copy of my most recent and final bank statement from XXXX showing the account closed on XX/XX/2022 with a XXXX balance. I have done all of these things three times to many different chat support agents, phone support agents and XXXX supervisors to no avail. I have been disconnected in both chat and over the phone, and I have never once received an email or a phone call from anyone with CashApp concerning this issue, despite being told by all 3 supervisors and at least 20 different agents on both chat and calls that I would be contacted within 24 hours. Today is now XX/XX/2022 and I still do not have my money. My money. My husband of 35 years passed away on XX/XX/2022 and I lost my job as a result on XX/XX/2022 and currently have no way to support myself and I have this company stealing my {$110.00}. This is completely unacceptable and their support and service is absolutely abhorrent in nature. I expect to receive a call from an executive level escalation specialist or a manager in their payment processing team by EOB today or I will be contacting an attorney and we will not be filing a class action, but a civil/financial suit for theft by XXXX tomorrow. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

# 1 ) We are a victim of the {$35.00} overdraft fee ( not once but twice in XX/XX/XXXX ) settlement that Bofa made with CFPB. Attached news article regarding this. 

We have been a loyal customer for more than 15 years and yet when asked them respecfully to waive the fees they declined, despite escalating it to the rep 's manager ( XXXX - id XXXX ). Her manager XXXX wasn't available to discuss the matter. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Below is an excerpt from the article : " Bank of America eliminated all non-sufficient fund fees and reduced overdraft fees from {$35.00} to {$10.00} in the first half of XXXX. As a result, " revenue from these fees has dropped more than 90 percent, the bank said in a statement to XXXX XXXX '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - # 2 ) We have also been charged {$12.00} " Monthly Maintenance Fee '' - the minimum balance was {$750.00} - at some time it was raised to {$1500.00} - we kept thinking it was the former out of habit and we were out of country for 3 months in XXXX when we were charged this fee 3 times. The rep was able to refund us the fee for 1 month but refused to do so for the other 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect Personal information on my credit report
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file.