23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent purchase was made by someone who hacked into my XXXX account. On XX/XX/XXXX, I noticed that {$1200.00} was missing from my account and found the transaction in the pending section of my online account information. I immediately contacted Bank of America to let them know that I did not make this purchase. The representative told me that they would open a claim and investigate the transaction. The representative stated that the money would likely be returned to my account in 5-7 days, but that an investigation could take up to 45 days. While I waited for a response from Bank of America, I noticed that the pending charge was moved from pending to Authorized, even though I had already contacted Bank of America to let them know I did not make the purchase. I received a notification via email that I had a message from Bank of America in my XXXX XXXX on XXXX. The message stated that my claim was denied and only gave the following information : Our records show the transaction activity in question was authorized and posted correctly to your account. 

I was in the hospital giving birth on XXXX, but once I was released on XXXX, I contacted Bank of America to see why the fraud claim was denied. The representative stated that the claim was denied because I " had an extensive history purchasing with XXXX ''. 

XXXX is the biggest company in the world. Of course I have ordered from them in the past. I do not have a history of making $ XXXX purchases from XXXX XXXX I have been a Bank of America customer for over 10 years and I do not have a history of making fraud claims. I feel that, in this case Bank of America, did the bare minimum of investigation into this claim. XXXX sent me an email on XXXX letting me know that my account had been hacked and that this purchase appears to fraud. Bank of America obviously did not contact XXXX to investigate this claim. The email from XXXX was faxed to Bank of America on XXXX and I am currently waiting for my claim to be re-reviewed. I feel disappointed that my bank, who I have been a customer of for over 10 years, would allow someone to take $ XXXX dollars from my account and then deny a fraud claim without any substantial investigation. The timing of this is awful. I have a hospital bill that I was planning to use this money to help pay for, I will be on maternity leave and not receiving my typical income, not to mention the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts
Product: Money transfer, virtual currency, or money service

I lost much money from myself, my family, and my friends because of XXXX XXXX XXXX. The sum of all of us is roughly XXXX XXXX. That happened about a year ago from now. 

XXXX XXXX XXXX told us a false online site ( later discovered ) that he made money from investments and demanded money from us. 

After we sent the money to his account, XXXX XXXX was dismissed shortly after attempting bankruptcy in XXXX XXXX.
Product: Debt collection

i made many attempts to reach the company they responded saying they can not find this account but it still shows on my credit report.
Product: Debt collection

Starting in XX/XX/2021 received multiple phone calls throughout the day as well as letter threatening to sue. No validation of debt was provided, and debt was previously disputed before being given to this law firm which they apparently do not care about.
Product: Debt collection

Capital Accounts LLC has placed a collection on my credit profiles claiming that I owe {$260.00} to XXXX XXXX XXXX. I've never been to that facility as I DONT HAVE ANY PETS!!!!! It's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiry listed. The unauthorized inquiry is listed below. 

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

I've been trying to get these fraudulent inquiries removed from my credit report for a while now. I told them that i didnt authorize any transactions from these businesses. One of those inquiries is for a gas station... i would never apply forb a gas card because my credit bureau already gives me 3 % cash back plus a whole lot more than some gas card! I also tried to explain to experian that i dont have an account with first XXXX XXXX XXXX but they said they wont fix it because im an authorized user? But they are playing games with me because everyone knows that authorized are not to have their files pulled because ita a breach of private. Im not sure why they are being difficult but I'd appreciate it if you can help me get them removed because i dont want them on my credit report.. then i can move on. Thanks you *** i just remembered that I also have a late payment on my credit report by XXXX XXXX XXXX i just forgot about it after a while because they kept playing games. I paid the account on time... it was just on a holiday ( XX/XX/XXXX ) and i was informed that no late payment would be given. Years later, when i got serious about my credit, i saw the late payment but i already had paid the loan off. SEVERAL times, I've informed the credit bureaus that I was never late but they keep saying that the account was verified? How does that even make sense when im the one who had the car and i know i was never late? Moreover, they cant even get their lies straight! Experian says i was late on 1 month but then XXXX says another? Please help me with this situation as well so i can finally relax. Thank you
Product: Checking or savings account

Hello, I went to log into my account for USAA checking account and noticed it was closed. 

USAA is stating my exhusband whom iv been divorced from for about 10 years was CO owner on the account and closed it this is their speculation by the way. 

They can not confirm who closed my account WITHOUT my permission. 

My exhusband hasnt has access to my account nor any of the security questions that usaa asked to speak on behalf of your account. 

would like to note they said this person called in- couldnt provide with who or pull the call I have attached my last statement with USAA Showing my account was in good standing. This account is not my primary account as there are limited transactions. 




We may require you to give us a minimum of seven ( 7 ) calendar days advance written notice when you intend to close your account by withdrawing your funds. We may refuse to close your account. NO NOTICE WAS GIVEN
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , remove the following information account : XXXX  XXXX balance {$5600.00}, XXXX  XXXX account : XXXX balance {$4000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance XXXX XXXX XXXX  account : XXXX balance {$2600.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX balance {$16000.00}, XXXX XXXX account XXXX XXXX balance {$14000.00}, XXXX XXXX account XXXX XXXX balance {$10000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$26000.00}. This is a result of identity theft and fraud, please remove all listed accounts within XXXX business days of receiving this complaint. This activity has resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I've attached 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 negative accounts listed above. The aforementioned accounts, inquiries, collections, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX/XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd XXXX XXXX  XXXX  account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXXs, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a complaint with XXXX, Trans Union, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Reached out to world acceptance. Requested accurate amount and dates. no response. The account is now over Seven years old. As of XXXX. It's now XXXX, XXXX. The account should be removed. Cause its been over seven years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every dam month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / Verisk Financial/ LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTBROOKLYN of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!
Product: Debt collection

On XX/XX/2014, I XXXX XXXX was engaged in a specific extension of credit with Capital One Bank. Capital One would send me statements stating that I owed a debt which included phone calls and emails that stated that this was an attempt to collect a debt and any information would be used for that purpose. This is a violation according to15 U.S. Code 1692d ( 2 ), ( 5 ) - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I also submitted and affidavit of truth to Capital One in which they did not respond. Capital One then caused adverse action by closing my account yet requesting me to pay the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed
Product: Credit reporting or other personal consumer reports

I called XXXX XX/XX/XXXX anfd was on the phone with them for almost XXXX hours. I informed them that my student loan balance is showing duplicated on my credit report. They informed me that this is a known issue and that they submitted a ticket however, they would not provide me with a letter verifying that a ticket was submitted. It has been over a month and the issue is still not resolved. I am in the process of purchasing a home but I have been denied due to the errors being made by XXXX 's faulty system. I am being penalized and denied the opportunity to provide a better living situation for myself and my family. I have called on three separate occasions and am being told the same thing, a ticket was submitted. I need this resolved immediately. Experian is refusing to remove the information as they are receiving it from XXXX.
Product: Debt collection

Ms. XXXX called me XX/XX/XXXX, trying to collect a debt from XX/XX/XXXX. She would not verify herself, her company, and she did not verify me. She did not read the " this is an attempt to collect a debt '' nor was i on a recorded line. If i was on a recorded line, she did not notify me. She told me I had ONE hour to pay. I told her I needed time and needed to research this before paying. She then somehow called my boss 's mobile phone, was rude to her, and this was extremely embarrassing to me at my place of work. When I called her back ( I called her on an XXXX number, she answered " hello '', she did not answer with a business name ) to tell her it is illegal to contact my boss, and it is also illegal the way she handled the entire call. She became irate, unprofessional, and told me to " quit stealing money and I should know better '' then she became threatening, and told me to " just wait '' There are SEVERAL Fair Debt Collection Act violations in this scenario, and I can not find any information on " XXXX XXXX '' there is also a XXXX number she has called from.
Product: Vehicle loan or lease

Since XX/XX/2020, we not only as a country, but the world has been affected by Covid. I had still managed to pay but note. But after multiple requests from XX/XX/2020, until now, the company has ignored the CARES act in offering assistance with my loan. I have spoke to over 20-30 agents. For a while it was literally someone new every time once my original account manager left. She was amazing! Her communication, humanity was unspeakable. I will commend XXXX I believe as well. This whole ordeal has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account 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 XXXX, and I'm including it again. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report, with XXXX  ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will Experian remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is ANOTHER NOTICE. Please remove the inquiries resulting from erroneous credit reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX