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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES INC XXXXXXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. EQUIFAX AND XXXX  was sent an affidavit of truth stating that I am the original creditor and EQUIFAX AND XXXX  has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave EQUIFAX AND XXXX  any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and EQUIFAX AND XXXX  is in receipt of the INVOICE I sent that shows they are in violation.
Product: Credit card or prepaid card

I was getting XXXX XXXX during COVID and using the card each month, then suddenly the card did not work. I had a few XXXX dollars on it and I could not then buy food or other life sustaining items, When I approached Bank of America about problem, they said call XXXX XXXX, I did. Unemployment told it was Bank of America. This went back and forth for weeks. I never received my money due me and unemployment did not pay the rest of the money due me because they said the card was closed. I an still out that money due me and I want it. I have written both the Bank of America and XXXX XXXXXXXX 5 times with NO response from either of them. I have no ideas why they just stopped and confiscated the balance in the account, and no one will respond to my letters. Can you please help to get a response to clear this up? I would be very appreciative.
Product: Credit card or prepaid card

Bank of America sent a pre-approved offer for an XXXX  XXXX XXXX XXXX card to my previous address. Someone intercepted the offer and completed the application, resulting in a 3 bureau credit check on my social security number. I normally have my credit frozen, but had purchased a car earlier in the year and forgot to re-freeze my data. 

The date of the inquiry was XX/XX/22. I was in XXXX on business when I received the notification of inquiry from multiple credit monitoring sources and immediately contacted Bank of America. The phone number provided requires jumping through many hoops to get through to a fraud specialist because the initial firewall asks for customer information. Not being a BofA customer makes it extremely difficult to get through to a human being and it took several attempts to make the correct combination of verbal requests to not be disconnected. This was at great expense, as I was calling from XXXX. 

BofA informed me that the account was not opened due to incorrect date of birth. I asked them to have the inquiry removed from all three bureaus and place a fraud alert under my social security number. Their response was for me to contact all three bureaus and do it myself. 

This is not the correct response. I did not initiate a business relationship with Bank of America. It should not be MY responsibility to go through the long and drawn out process of contacting each of the three credit bureaus to dispute an inquiry that I did not initiate, nor authorize. 

Bank of America is careless and does not act in the interest of consumers. Later, I received two items of correspondence from BofA. the first was a request for more information in order to open the account. Thankfully, it was XXXX class mail and was forwarded to my new address. In the request, it asked for more information to open the account and it also provided my credit score. Had this not been forwarded to my new address, it would have assisted the perpetrator in continuing their attempt to defraud me. 

They also sent a letter to my current address with a case number. The letter stated : " Unfortunately, we couldn't complete your request because we need additional information. If you have any questions about what to send, give us a call at XXXX. We look forward to hearing from you soon. '' When I contacted them at the number provided, they said that case number meant nothing to them and they had no way of looking it up. Why would BofA send out a letter like this, requesting a call and then not be able to address it? 

Bank of America 's careless handling of my personal credit information and lack of action to correct the damage they have caused has caused my credit score to drop and make it appear as if I am seeking credit. This is personally damaging if I needed to apply for legitimate credit with a lender. I am afraid that my only option will be to take legal action against Bank of America. They have XXXX acountability.
Product: Debt collection

We had ordered new check blanks in the mail and they were stolen and used at a couple of locations, XXXX being XXXX XXXX. A police report was filed and XXXX XXXX was contacted. The bank issued us a refund of the fraudulent charges and then I received collection letters in the mail from TRS Recovery Services trying to get me to pay these charges again. Upon trying to contact this collection agency, their XXXX number is disconnected and when I call the other number and try to give my claim number it types the incorrect number. I want these charges removed from my name!
Product: Credit card or prepaid card

Citicard has blocked my card since early XXXX because the " fraud department '' can not " authenticate '' me. As a result I now want to cancel my card and receive back a prorata portion of my annual fee ( {$40.00} ). But Citibank fraud department ( to which I am automatically connected ) refuses to do so, even though there are NO charges outstanding and card payments are completely up to date. Citicard has no problem " authenticating '' me when I make a payment on the card - I did so today. It is absurd that this bank makes it easy to take money from me but will not undertake the services for which I am paying. As a result my frustration makes me want to cancel the card ( I can not use it ) but they won't even allow me to do that. When I contact the fraud department they need to call me back. My home number is not an " acceptable '' number for that purpose. When the agent calls my business line the call does not go through. She is clearly working from home and has a technology issue. It is disgraceful that Citicard discriminates against military veterans in this way
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX  has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX  has also not given me a security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXX needs to be deleted immediately.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX yr old XXXX XXXX, Con XXXX used my family and I. We ridded ourselves us this " XXXX '' FROM THE XXXX WHO SAYS SHE NEVER HAD XXXX YET SHE HAS A XXXX XXXX XXXX DAUGHTER! I LOST MY MOTHER AND NIECE XXXX showed up at my nieces funeral hadn't seen her in years. But it didn't take long to see this lady is still crazy, irresponsible and would do anything to anybody to be like by somebody. As an hurting introvert. XXXX started talking ( she XXXX that ) and I just allowed a outlet she came to my home and realized I'm WAAAAY BETTER OFF THAN WHAT SHE REMEMBER AND SHES WORSE OFF! She started asking did I " hit the lotto '' " u can stand a loosen '' weird. She said she could revamp my videos get in my phone and do videos. I was already planning to go to XXXX. She lived in XXXX. She began talking about how HER LIFE WAS XXXX HER WIFE WAS ABUSIVE ... LIES. Anyway I gave her my phone. For about XXXX hrs. Well after deep consideration seemingly after speaking to XXXX I could tell she's still disloyal, a liar and cut throat mean lady who thinks she's XXXX. She ended up scamming me to get to her house under false premeditated agenda. She started crying saying she was in love with me and she di witchcraft. That was it! I went to XXXX. Going through my finances 2 months later as I don't live check to check I seen she sent herself XXXX $ on the XXXX of XXXX and XXXX. XX/XX/XXXX. I'm a SINGLE PARENT AND I NEED MY MONEY!!! HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint was submitted in XXXX, 2017. XXXX, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived.

I have been denied credit and housing because of this negative item as previously complained in XXXX.
Product: Credit reporting

Experian has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015. They advised I am " locked out of their system '' even though I am able to confirm that all my identifying information matches what they are reporting. They were unable to provide an explanation as to why I am locked of their system and were unwilling to provide me with my own credit report number. I asked to speak to their escalation department and spoke to a supervisor who also advised she was not able to tell my why I was denied online access. I am XXXX at a business and if I refused to provide my clients with their own proprietary/personal identifying information or was unable to tell them why, my company would no longer be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DPT ED/XXXX
Product: Credit card or prepaid card

A few months ago I received a Chase Sapphire Reserve card from Chase. The initial offer said that I would receive XXXX points after spending a certain amount within the first 3 months of having the card. It also states that for Sapphire Reserve members, each point that is used towards travel booked through the Chase site is worth 1.5 times  the actual points in my rewards account. 

Approximately three weeks ago I attempted to use my points to book a flight for XX/XX/2019. When I got to the purchase page on the site, it didn't allow my card to go through. I called Chase Travel directly to try and book the flight, they also couldn't purchase it and claimed there was a problem with their computer system. They didn't offer a timeline for it being fixed, and I submitted a claim, claim number XXXX. They said I would receive a follow up contact regarding my claim, which I never did, and when I called back days later they had no claim in their system matching that number or related to my card For the past three weeks I have continuously tried to use the site to use my rewards only for an error to pop up each time. I tried again to book a flight through Chase today, only to receive an error message saying the Chase travel site was unable to load. I called Chase travel and they told me there was a red flag on my account stating that my card was not a card eligible for travel rewards. They transferred me to the rewards department, who told me that there was no such red flag on my account, then transferred me back to travel who stated that there was nothing that they could do and no other department they could contact to resolve the claim. 

The flight I'm trying to book is a family trip, but I have to purchase my wife and son 's tickets separately. Since the time I've started trying to use MY rewards, that trip has gone up in price approximately {$1200.00}. No one from Chase has returned any of the calls from my claims or offered an alternative solution, and I have over XXXX points through their system that I am unable to use with no one willing to help resolve the claim
Product: Credit reporting or other personal consumer reports

This is my numerous 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX AV XXXX, XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following inquiries on my credit report was not authorized or initiated by me. I have disputed these inquiries numerous of times and XXXX declined my dispute within 24 hours. And say this will remain on record for two years. Why is it on record for two years if i did not authorize it? Please delete these inquiries from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Ive disputed this information with transunion and keeps getting declined stating its part of the record for 2 years. I didnt initiate nor authorize these inquiries. Called the business multiple times and they cant provide any information and to dispute it with the credit bureau. Well Ive done that with no success. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/21, I used INGO app to cash a check. The company stated that my identity needed to be verified and that the check was not cashed. When I tried to cash it later, it was already indicated that the check was cashed. The company does not answer emails or the phone. It has no customer service. They don't respond. They sent me a message saying they confirmed my identity, but it stated that the check was not cashed, but the it was cashed and is no longer working.
Product: Credit reporting or other personal consumer reports

citi is reporting to XXXX XXXX  that i basically wrote a fraudulent check wth no proof of the check nor the purchase agreement. ive disputed with citi and XXXX XXXX as well. that this was not my doing. they are reporting fraudulent activity on my behalf but in actuality is on their 's. XX/XX/year> is the date in question ... in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 XXXX / 4. XXXX XXXX XXXX XXXX  Companies XX/XX/2021 XXXX  / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - TransUnion / 6. XXXX XXXX Mortgage Companies XX/XX/2021 TransUnion / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 XXXX  / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 TransUnion / -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

-- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

Auto dealership forge my signature with Golden one bank. I tried to dispute the charge off against my name for {$25000.00} but I was denied by the bank, even when supporting documents from the court stating that I was awarded an abstract of judgement for {$43000.00} XXXX XXXX superior court of XXXX XXXX XXXX XXXX which was never satisfied and it is now a tort or dormant judgement. All necessary documents was provided to them and they still denied it. My case still open since 2010 with no movement becaused I can not afford a lawyer and could not get a loan due to credit issues. I tried getting help from FBI and Secretary of State but no help at all. Please let me know if you could help me out. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that one of my accounts was reporting incorrect information. The account in question is XXXX XXXX XXXX XXXXXXXX, account number XXXX. This account is reporting a unpaid balance of {$1400.00}, I in fact have paid the balance in full.