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

i seen a copy of my credit report and i notice these accounts that i didn't apply for i don't know how these accounts got there can you please look into this matter please.
Product: Credit card

On XX/XX/year> I was logged into my XXXX XXXX account and purchasing two tickets. At check out, I was given the opportunity to apply for the Citi AAdvantage Credit Card with the offer being XXXX miles after spending {$3500.00} w/i the first 4 months, a {$200.00} statement credit for XXXXXXXX XXXX purchases made in the first 6 months and no annual fee the first year ( {$99.00} thereafter ). 
Since my ticket was just shy of {$3500.00}, and this is a great mileage reward, I decided to apply for, and was approved for, the credit card, which I used at checkout. 
I then used my card for various other small purchases to achieve the {$3500.00} needed. I watched my account, but was never given any more than XXXX reward miles. I inquired with Customer Service, only to be told that I must provide a screenshot of the offer, and that it must have my name on it. I explained that I did not take a screenshot at the time of applying, as I had no reason to suspect they would not honor their offer. They gave me an email to submit any evidence to, and said I would hear back in 7-10 business days. I waited, and after I did not hear anything, I inquired with Customer Service again. I was told that I was given the wrong email address, and was provided with a different one. 
I did a XXXX XXXX of the offer, took a screenshot of what I found, and provided that, as well as a very detailed explanation to the new email address. I received a letter back stating that I was only being given the normal promo for XXXX miles. 
I called Customer Service AGAIN to explain everything that had happened, and ask why they were not honoring the offer I applied to, and was approved for. They said they do not honor promotional offers unless it is a personal letter sent directly to me, and that I would have to prove to them that I received such letter. 
This is not only false advertising, but fraud. They gave me a personalized offer on the XXXX XXXX website, as I was logged into my personal account. This offer was the only reason I applied. They are now refusing to honor the contracted offer they gave me. After doing some research, I am finding that this is a common occurrence with Citibank.
Product: Debt collection

On XX/XX/XXXX I noticed I had a collection from XXXX XXXX XXXX. The amount was {$4900.00}. They seem to have purchased a debt from Capital One. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

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

PAYPAL banned me from using their services and hold my money I earned through online services from XXXX XXXX XX/XX/2021. The Paypal blocked me for the reason of violation in their user agreement and acceptable use policy. Upon re-reading the policies I am confident that I did not violate any of the rules. I am relatively new to Paypal and they must have been confused with my activities in to dealing with restricted activities.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 opened the Capital One Venture X credit card on XXXX XXXX XXXX I was assessed an annual fee of {$390.00} on XXXX XXXX XXXX. I called Capital One on XXXX XXXX  in an attempt to close the account and refund the fee. My call log shows I was on hold for 54 minutes but was unable to speak to a representative. I called again today XXXX XXXX XXXX  and spoke to an agent who informed me I could not receive a fee refund because 40 days had passed since the fee was charged, and 39 days was the limit. I informed the agent that the fee was charged early ( prior to the anniversary of the card ). They did not care. I pointed out I had called before but was unable to speak to a representative. They did not care. 

I want the fee refunded and the card cancelled. 

The employee I spoke to is : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I charged {$180.00} worth of merchandise at Bloomingdales ', and returned that same merchandise for credit -- before the closing date for the billing period. Now, Bloomingdales ' continues to call ( seven times now -- early morning and at night ), saying my account is " past due ; '' I feel that they are harassing me. They are quite aggressive, and have billed me a {$27.00} late fee.. My account balance is XXXX, yet when I ask for an explanation, they say I should have made a payment no matter whether I returned the merchandise or not, that the " credit '' for the returned products will be deducted in the next billing cycle ( BUT the return shows up on the current bill ). This makes absolutely no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent {$360.00} sending dispute letters ( 609 fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ). I am asking them to verify the collections on my account with an original signed signature from me to prove those collections are mine. They have failed to do so and i have 4 return receipts from each credit bureau with there stamp on it to prove they have received my letters in the mail. 

Dates they received my letters below : XXXX - XXXX, XXXX, XXXX, XXXX XXXX - XXXX, XXXX, XXXX, XXXX Transunion - XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries.

Fraudulent Accounts to Be Deleted : 1. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} 2. Creditor : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Unauthorized Inquiries to Be Deleted : 1. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 4. XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt or credit management

Five Lakes Law Group engaged in deceptive business practices, falsely promising debt reduction and financial improvement. They are not licensed to practice law in Illinois and misrepresented their qualifications. They charged excessive fees, exceeding the 15 % cap set by Illinois law, and instead charged 27 % of the total debt amount. Despite paying substantial fees, they failed to provide the promised debt settlement services, which worsened my financial situation and credit score.As a direct result of their actions, I am now being sued by XXXX XXXX. Their attorney is aggressively pursuing the lawsuit, which could lead to the garnishment of my bank account. This situation puts me at risk of becoming homeless and completely destroying my credit history. We are currently suing Five Lakes Law Group for these violations and the severe personal and financial harm they have caused.
Product: Credit reporting or other personal consumer reports

I am conducting a forensic audit on my credit profile and discovered that you are reporting inaccurate information on my credit report. This account XXXX XXXX XXXX has been charged off, which means the creditor has forfeited the right to collect on this account which is now a taxable income of which I have assumed tax liability for it as an income to me according to IRS. 
I have requested a 1099-C Cancellation Of Debt Form from the original creditor but they declined and denied charging of this account as well as stated that they are not obligated to issue me a 1099-C.

Please be advised that this account has multiple inaccuracies eg, CO was listed multiple times instead of once. 15 USC 1681eb states that you have a responsibility to report maximum accuracy on my credit report.

Ultimately, this creditor is in violation of my rights under FCRA, 15 USC 1681b and 18 USC 1028A which states that the creditor must obtain written instruction from me permitting them to report my information to the credit bureau. Secondly banks and credit bureaus are passing around my information without proper authority.

Please, I need this account deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX  XXXX XXXX  XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/24 my bank account was robbed after scammers, posing as my bank under the name Chime XXXX, informed me of a pending {$500.00} charge in XXXX Texas and proceeded to call me and told me to sign into my account. 
When did as told they had me approve their spending telling me that I will be refunded shortly. 
Since then I have been wrestling with Chime to refund my money and have been denied for five days straight. They refuse to give me a reason why my account was denied and now it seems they want ME to pay them {$640.00} for charges I did not make.

Im financially ruined and now having to live off my dads credit card all because of scammers and a bank that refuses to help.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL, XXXX EMPLOYER XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  XXXX ? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Product: Checking or savings account

I am filing an grievance regarding funds that where stolen from my account. On XX/XX/2018 I have left USA and went to XXXX ( please see attached ticket ) and I came back on XX/XX/2018. Because I have 3 cellphones I took two with me to XXXX thinking that one XXXXXXXX XXXX  was left at home. I was not aware that I have lost my phone and because I was thinking that my phone was in my home in Michigan. Upon my return to the US I did not look for my phone or logged in my bank account right away, I was able to use my debit card without any issue. All of sudden I have noticed that my account was negative and upon logging in Ive found out that I was a victim of a fraud and Ive contacted TCF Bank and started dispute. TCF representative told me that possibly someone made copy of my debit card and was using it. Before my next trip to XXXX Ive found out that my cellphone is stolen and Ive filled claim with XXXX and new phone was sent to me as replacement. 
I had TCF Debit card connected to the XXXX XXXX on my old phone ( one that is stolen ) and I had XXXX MasterCard connected to that phone too. My MasterCard was used without any approval and I have filled fraud claim with them and they told me that my MasterCard was used on that stolen phone and I assume that same thing happened with TCF Debit card. 
Because I did not authorized charges for almost {$10000.00} and when those charges happened I was out of country and I could not make those purchases please refund me my founds under fraud guarantee. 
Please look at claim number XXXX and in that claim you can find proof of claim with XXXX and Police report with XXXX XXXX PD, also I am sending you my ticket showing that during that time when fraudulent charges happened I was in XXXX. You can also see that during that time I was using my Debit Card in XXXX and that way I was not able to use it in USA.

I had filled two fraud cases number XXXX and number XXXX but bank did not give me my money back or provided explanation why my founds are not given back to me. Also TCF National Bank and/or VISA did not provide me with any proof how I could authorize those purchases when at that time I was 5000 miles away in XXXX. 
Since I am again in XXXX thank you for accepting this Appeal over the email. If you need to contact me you can do it by calling XXXX or by email. 

Please give me my founds back as soon as possible because I can not m are payments to my bills in USA and my credit score is being hurt! 

I am giving this statement under penalty of perjury and if any not this information is not correct I am ready to be criminal charged!
Product: Credit card or prepaid card

I received my monthly bill from chase which included charges of {$800.00} made on XX/XX/2011. They were submitted 19 different times for {$42.00} for each order on the same day and were not even questioned by Amazon or Chase. The charges were on my Amazon charge card for XXXX XXXX which I don't even know what they are. I have spoken to Chase numerous times and they keep referring me to Amazon. I have contacted Amazon multiple times and am told that I will receive an email from the fraud department within 24 hours. Every time I received emails from the fraud department they keep saying they are working on my claim. In the meantime now when I call, they say that I have been blocked by Amazon and they can't get into the account. They have shut me off from XXXX XXXX which I paid for separately and I am not allowed to order anything from Amazon. I think that I should be reimbursed for XXXX because I can't use or watch shows on it. This has been going on for three months with no satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called XXXX have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...
Product: Credit card or prepaid card

bank of america sent a renew credit card to my old address. some one got the credit card and used it to make at {$900.00} purchase at XXXX XXXX XXXX XXXX store at XX/XX/2019. i reported and filed a XXXX   dispute with bank of america right away while the transaction still pending. bank of america denied my dispute for the reason that the card was used for the charge. the card was used because it was stolen. how can bank of america let the card to be used without activation?
Product: Debt collection

Received a notification about this hitting my credit report, when I have no idea who they are, it says a medical debt, but I am a XXXX XXXX XXXXXXXX veteran and have been under Va care since 2010. ALL my medical is covered by the VA, so not sure how they're saying I owe them anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX employee called me on XX/XX/XXXX said, the package I shipped from CA has been head off by XXXX customs, because theres 5 passport and 7 credit card in it. And he told me if I did not shipped this package I need to call the police office in XXXX to report this issue. Then he transfer the call to what they say XXXX police office. And the man who answer the call, asked my ID number. then They said one of my bank accounts in XXXX had been used by others for fraud. And they said this is a confidential case, so I must not tell that to anyone I know even my family. Otherwise they will be in danger. And they asked me to do safety check ( send them my location and environment photo 5 times a day ) and also they monitored me through XXXX XXXX  24hrs everyday ) Because they said I involved in a confidential crime, if I want to continue my study the best way to do this is bail pending trail, so if they approved this I need to provide bail money that is around XXXX dollars. And I transferred the money to bank account. The account name is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and XXXX  because of these results.
Product: Debt collection

Call this company, we agreed on my paying {$400.00} to settle the debt. The representative refuse to provide documentation that stated he/she would remove all negative reporting. 

He felt that because our conversation was being recorded that this was sufficient, but we know business is business, if its not in writing it did not happen. 

I have been ready to satisfy this debt, what's the point of paying if they refuse to remove all negative reporting.
Product: Mortgage

CHASE Bank reached out proactively to refinance an active loan # XXXX for property address XXXX XXXX XXXX XXXX. During the refinance of loan # XXXX to loan # XXXX, CHASE mistakenly recorded my current mailing address XXXX XXXX XXXX XXXX as the property address being refinanced. Due to this error, there is currently no active loan for XXXX XXXX XXXX XXXX XXXX, OR XXXX. Rather it shows as a lien against XXXX XXXX XXXX XXXX XXXX, OR XXXX. I have applied for a HELOC with XXXX for XXXX XXXX XXXX XXXX, but am unable to move forward due to the incorrect lien against my property. I have been working with CHASE to fix the issue, but am unable to get them to take the necessary action. CHASE has verified the discrepancy, but have yet to fix the problem. CHASE has never owned the loan or been involved in anyway for XXXX XXXX XXXX XXXX. This is having a real and significant impact on my homeownership and financial well being. I have spent significant time and effort toward resolution. This should be illegal on all sides. It is unclear how something like this can make its way through the many checks and balances associated with Banking and Mortgage Fraud. I assume that there is some sort of consumer protection in place. Please help! Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Republican Finance keep updating me account its paid off and its been over 7 years will not reporting to take off my credit report.This a law I open this account 2015 They needs to remove off my credit report