23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am attaching the documentation I have regarding the duplicate charges from XXXX XXXX for a utility sink ordered XX/XX/2022. XXXX XXXX charged the USBank card 11 times. 2 charges on XX/XX/XXXX, one charge on the XXXX, two charges on the XXXX, one charge on the XXXX, two charges on the XXXX, two charges on the XXXX and 1 charge on the XXXX for the exact same amount of {$220.00}. These charges were in a Pending status on the USBank online activity site. 

I called XXXX XXXX and they said that their system will continue to charge, then credit my USBank card every day until the sink came in so I canceled the backordered utility sink and I ordered another utility sink. To date, I have not been credited for 4 of the charges of {$220.00} for a total of {$900.00}. 

I have battled between you and XXXX XXXX for 5 MONTHS! I finally got XXXX XXXX to send me proof of their claims that I was credited back on the charges that they did which were only 2. I am sending you their documentation along with mine to resolve this situation.

It appears to me that you owe my account 4 credits of {$220.00}. This needs to be resolved. I really dont want to bring attorneys into this but quite frankly, 4 months of this battle has taken its toll. 

Please resolve this matter immediately so we can continue to have a proper, secure working relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXXL XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX  business days with ( 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. 
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

Equifax had one of the largest data breach in history. I do not know what accounts, or account numbers were breached. These accounts must be deleted, but I not know which ones they are. You must be a member in order to get this information. 

I have a screen shot proving that Equifax does know that my account and information was breached by Equifax. 

I want all accounts and account numbers to be deleted from my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to send my brother XXXX dollars through cashapp. A app where you can send money fast to a person. In paying off a credit bill to my mother and she changed who to send the money to. It was XXXX XXXX  Hawaii time. He said he did not get it. Plus to get it right away there is a XXXX dollar charge. So at XXXX I sent XXXX dollars and he said he did not get that. So at XXXX I sent XXXX again and still he did not get it. I tried again but cashapp cut me off. So I told my brother I would try the next day. On XX/XX/XXXX I tried again but this time I tried with a different debit card and when I applied it the other card said it was the same bank. That is impossible. So that's when I knee something was wrong. I took that card down immediately and checked my bank and my money was not there, a totally of XXXX dollars. Cashapp has given me XXXX dollars back. But I'm having a hard time getting XXXX dollars back. Twice they told me they sent me XXXX and almost XXXX dollars back but when I called my bank they have not receive my money at. I feel they lied to me twice. I've called numerous times and emailed numerous times and I need extra help. My bank is not helping at all. I asked them for a letterhead of the month of my statement and they sent me nothing with cash app charges in it. I was very mad about that plus they made me wait until the XXXX of the month to get and nothing is on it that I can us. But I have screenshots of everything. I can prove everything I say. 
If anything, this company is bad for business, when they gave the XXXX dollars they put it in my bank then they took it out of my bank. XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX Capital one, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXXXXXX XXXXXXXX XXXX  , Capital One Auto Finance, XXXX XXXX XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

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

XXXX XXXX XXXX {$18000.00} Date Opened XX/XX/XXXX, XXXX This account is over 7 years old and should be removed from my credit. 

XXXX XXXX {$25000.00} Date Opened XX/XX/XXXX, XXXX This account was opened fraudulently and i have also spoken with the company and they agreed tp remove it. Its also almost 7 years old. 

XXXX XXXX XXXX {$26000.00} Date Opened XX/XX/2016 This account was not opend in XX/XX/2016. These dates are completely incorrect and this debt was settled.
Product: Credit card

There where credit cards and bank accounts fraudulently opened in my name with truist I seen the inquiry months ago and filed a identity theft report I also filed a complaint on cfpb and they still allowed accounts to be open in my name I would like this account deleted and removed off of my credit report and off of my name thanks My ssn is XXXX
Product: Mortgage

This is an update to a previously submitted complaint ( XX/XX/XXXX ) regarding multiple violations during the mortgage refinance application process and refusal to properly release the appraisal. I have an updated request due to the time limitations ( if action is not taken soon, appraisal will expire ) as well as Wells Fargo 's failure to communicate in a timely manner. Per my last conversation with Wells Fargo representative on XX/XX/XXXX, I was to receive an update by XXXX on XX/XX/XXXX. That did not happen, adding to the pattern of habitually late responses. Therefore, if appraisal is not completely released ( per guidelines already discussed with Wells Fargo ) before it expires, I am seeking financial damages in the full amount paid for the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item several times before XXXX XXXX home mortgage which you guys say its a foreclosure on my report how are you verifying this XXXX  and XXXX XXXX have removed this item from my report as they have found it to be not of mine or inaccurate also the account at hand is recording late payments and a payment amount monthly which is another ground for removal per the FCRA remove this immediately and or provide me with my full report and full method of verification. Please remove immediately
Product: Debt collection

XXXX XXXX XXXX  company has placed several collections on my credit report. I have not received any information from this in regards to what they have placed on my account. I have attempted to call and write them and requested written information verifying the validity of their information. They have yet to respond.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

i contacting today regarding in a victim of identity theft.i checked my credit file and i see some unauthorized fraudulent inquiries listed on my credit report.i have no knowledge of these companies.i never gave anyone permission to run my credit.please remove the following fraudulent 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
Product: Credit card or prepaid card

I did not open nor charge any purchases onto the Destiny credit card. I have tried to reach out to the company without any response. Any assistance with this being removed would be helpful.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$45.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX. NATIONAL CREDIT ADJUST - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

I deposited a cashier 's check to my Bank of America account, and noticed a hold was still in place two days later, even though it was a cashier 's check drawn on a reputable XXXX bank- XXXX Bank. I contacted Bank of America customer service and was told the hold could not be released. I escalated my request, and was told the hold could not be released. I was told " a cashier 's check is considered more risky. '' I asked, " more risky than what? It's a check drawn from the funds of a bank. '' The representative said " more risky than a regular check from a checking account. '' Though I explained the nature of a cashier 's check, the representative was unable to do more that repeat her statement. 

In addition, the check was for under {$5000.00} and I have hundreds of thousands on deposit at Bank of America. 

Bank of America is fraudulently claiming these funds are " risky '' so that they can hold the funds and collect interest on them in the interim. I understand risk of fraud, but they know these funds are guaranteed, or certainly have the power to find out two days after a counter deposit. Banking clients should be the ones collecting interest on our own funds- especially when they are clearly guaranteed by a banking institution, not Bank of America. They are hiding behind a veil of policies that are actually a money-making scheme. 

This should be investigated.
Product: Checking or savings account

On XXXX XXXX 2017, I opened a business account with Bank of America. Initially, everything was going fine. They sent me a welcome email on XXXX XXXX 2017 and they let me know that my business debit card was coming in the mail. On XXXX XXXX 2017, I tried to activate my new business debit card and it said the card could not be found. I spoke with a customer service representative and they told me that my account was closed. I asked why it was closed and all she would say is that " it was a business decision. '' I asked to speak to her superior and she told me that I could but they would tell me the same thing. When I spoke to her superior, I was told again that my account was closed and she did n't have to give me a reason why the account was closed but it was on page 2 of my contract stating that they could close the account at any time. I told her I 've never received any contract and I could not find any information stating this information. I filed a complaint with the Better Business Bureau on the same day. On XXXX XXXX 2017, I received a call from XXXX XXXX and he stated he was with the Complaints Department with Bank of America and he received my complaint from the Better Business Bureau and he wanted to know what happened. I told him what happened but something about this guy did n't sound right with me. He told me that he would look into the matter and get back to me as to why the account was closed. What I could n't understand was he was able to pull up my information in his computer yet he could n't see why the account was closed? I grew more suspicious of XXXX XXXX and thought this guy is going to come up with some sort of lie as to why the account was closed which to this day, there 's no reason for at all. The next day, I received a packet in the mail from Bank of America welcoming me to their bank and issued my bank account number. I called XXXX XXXX and told him that the customer service representative on the phone expressed to me that I would not be receiving this packet in the mail because the account was closed, yet I received it. All this guy could tell me was it was already sent off and they can not control when the packet would arrive at my house but he would get back to me no later than XXXX XXXX 2017 which he said was on a Monday. When I looked at the calendar, it falls on a Saturday. These people are going around the world and back to come up with a lie as to why they closed the account and no one ever gave me an honest answer. I 've since learned through reading complaints about Bank of America that this has happened before where they 've closed people 's accounts for no reason.
Product: Debt collection

My sister and Brother in law filed Chapter XXXX on XX/XX/XXXX. On XXXX XXXX, I attempted to settle a $ XXXX dollars mortgage debt since i signed the mortgage documents - with Specialized Loan Services. I was made aware of the past due/collections trough my credit report. The company never attempted to collect from me in the past nor showed late on the report. They asked me for $ XXXX to settle on XX/XX/XXXX, I tried negotiating and each time the amount gest higher and higher. Now, I have the $ XXXX and they wo n't accept it. I am paying the debt being that I did not file for Chapter XXXX and I want the lien to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed on my Experian credit report a hard inquiry from XXXX XXXX XXXX dated XX/XX/2020, with an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX and a phone number of XXXX. 

Called Experian at XXXX for assistance on this, and they hung up on me. Called the number listed by the alleged inquiry, got a voice mailbox. 

I have never heard from this company, never done business with this company, and I never authorized them to pull my credit at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a Creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I requested a validation of debt via certified mail on XX/XX/24. All they sent me was the same paperwork ( bill/statement ) that they initially sent the first time. Nothing in regards to proving that the debt actually belongs to me ( correct person, personal information tying me to the debt ) or any specific documentation that was requested from the letter of validation that was sent to validate the debt. I sent another notice on XX/XX/24 stating they have yet to present validating evidence that the debt is accurate and indeed is owed.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate and verify negative items on my credit report. These inaccuracies and Equifax 's improper handling of disputes have significantly impacted my credit score and financial opportunities. 

The negative items in question include, but are not limited to : Late Payments Bankruptcies Charge-Offs Collections Unverified or Unauthorized Credit Inquiries Nature of the Complaint Inadequate Verification Processes : I have disputed multiple negative items on my credit report with Equifax, yet the company continues to report them as " verified '' without providing any detailed evidence of their verification process. As required under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must conduct a reasonable investigation into disputes, and I believe Equifax has failed to meet this standard.

Failure to Provide Proof of Verification : Despite my requests, Equifax has not provided sufficient documentation to support the validity of the disputed items. I have not received original creditor agreements, account records, or any tangible evidence that these items are accurate or legitimately reported. Their generic responses strongly indicate a lack of meaningful investigation. 

Retention of Inaccurate or Unverified Information : Equifax continues to report several items that I believe are either outdated, unverified, or inaccurate. For example, I have identified unauthorized credit inquiries, as well as accounts that may have surpassed the statute of limitations for reporting, which Equifax has refused to address despite my disputes. 

Harm to Creditworthiness : These unresolved inaccuracies are causing unnecessary harm to my credit profile and limiting my financial opportunities. Equifax 's refusal to properly investigate or remove incorrect information has amplified the financial and emotional strain caused by these errors. 

Accounts but not limited : 1. XX/XX/XXXX LATE PAYMENTXX/XX/XXXX. XXXX LATE PAYMENT AND OVER LIMIT 3. XXXX XXXX 4. XXXX ACCOUNT SYSTEMS- COLLECTION 5. BANKRUPTCY XXXX XXXX # XXXX 6. ALL CREDIT INQUIRES
Product: Credit reporting or other personal consumer reports

I am writing to get help updating my personal information with Experian, XXXX, and XXXX I have been trying for years to get my address, birth date, and correct spelling of my name my only employer with Experian, XXXX, and XXXX and they will not update my personal information I have mailed in proof of my Residence and my Drivers License light bills, XXXX 's and still no change I started disputing in 2019.
Product: Debt collection

I have a XXXX credit card that was issued by Chase Bank The card number is XXXX. On multiple times I had my card stolen and I reported same to the Chase Bank. Upon close examination there are charges on my card that were no made by me. 
Chase has a policy that states that the card holder is 100 percent not liable for charges that are not made by the card user. 
I have reported such items to Chase and they refuse to credit my account for these charges not made by me. 
The charges in question are as follows : XXXX on XX/XX/18 in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX There charges are not all encompassing as there may be additional charges to this account that were not made by me.
Product: Credit card

A credit card from Chime arrived via postal mail. The account was set up without my knowledge. 

Other info : *The name on the card was an odd spelling of my name.

*I called Chime and had the credit card account cancelled.

*The envelope with the credit card came to my mailbox, which is locked, so there was no ( easy ) way for someone to steal the credit card from my mailbox.

*While this incident didn't cost me loss of money ( yet ), it has already caused my household lots of undue stress. I personally spent XXXX hours checking how to protect myself and my household from further identity theft.