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

I have been a BANK OF AMERICA customer for over 10 years and never had any problem till recently when i had lost my card at a XXXX gas station in month of XX/XX/XXXX. This is what happened i went on line on XX/XX/2018 to make a payment on my credit card that was issued by BANK OF AMERICA and noticed many transaction on my statement that was not authorized by me nor anyone i know, i immediately contacted bank of america and notified them about these unauthorized charges and the gentleman that was helping me asked me if i have my card on me and told them let me check and told him i can not find my card i think it is lost. Right after that he told me he is going to block that card and he is going to issue me a new card also told me that i am not going to be responsible for any of these unauthorized charges and we went on list of the transaction that was done fraudulently and they give me a case number and that was the end of conversation. A day later i git an e mail that my new cards on the way and i looked at my  statement and noticed that my account was credited {$1200.00} which that was not the correct amount the correct amount was over {$13000.00}, i immediately contacted bank of america and this time i spoke to a lady that we had to do the same thing go over all the charges and they said that they are sorry and they credited my account for the difference. I assumed everything was final because i never got a fraud package from them but i got an email that said the money was credited to my account they are taking back because there was three charges that i disputed originally and the person was taking the note from me forgot to put those charges in their notes and base on that they are telling me all the other charges are mine. which is the reason i am here to solve this issue because no one needs to go through what i am going through. Please HELP ME.
Product: Credit card

I had a credit card opened in my name in Capital One about a year ago. I was alerted to the account from my credit report and I immediately called and asked to close the account and reported it as fraudulent. 

Several months later I get another credit alert showing that the account had not been closed and now it's up to XXXX XXXX dollars in debt. I called again and asked why wasn't it closed and why am still listed as the owner of the account. 

I was told that another investigation will be done and to wait. I never heard back until about a month ago ( XX/XX/year> ) I started getting calls from XXXX XXXX ( a debt collection agency ). I called again and they told me they would reopen the investigation ( they refused to elaborate what exactly they were investigating nor they they ask me for anything ). 

3 days later ( XXXX XXXX ) I get a letter saying the account was not found fraudulent. I called back again and they still refuse to elaborate on what they're investigating and to report the account as fraudulent.
Product: Money transfer, virtual currency, or money service

I am unable to log onto blockchain.com, they keep telling to try certain things and provide screenshots repeatedly. I have correct phrases etc. I don't get prompted to logon
Product: Credit reporting or other personal consumer reports

XXXX, transunion and XXXX failed to provide factual documents about these accounts and they have to be removed. 

Transunion -Employer is no longer XXXX -Address has to be removed-XXXX XXXX  XXXX XXXX  XXXX XXXX, NJ XXXX XXXXfailed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX Installment account # XXXX -failed to provide factual documents about XXXX XXXX revolving account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -Address has to be removed XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX XXXXfailed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -failed to provide factual documents about XXXX XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX
Product: Student loan

Since XX/XX/XXXX, I owed the U.S. Department of Education {$14000.00} on a student loan. I have been making payments, including deferred payments. ByXX/XX/XXXX, {$9000.00} had been paid off. 
SinceXX/XX/XXXX, a debt collection agency for the Department, Conserve, has been taking payments offset by income taxes every year, includingXX/XX/XXXX. 
By now, this debt should have been paid off. However, I still owe {$2200.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank Victoria 's Secret is reporting lates on my accounts for XX/XX/20 XX/XX/20. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Comenity Bank Victorias Secret please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not XXXX
Product: Credit reporting

I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.
Product: Credit reporting or other personal consumer reports

XXXX credit instead of honoring there buyers credit warrenty they choose to lock me out of my account that was disputed and then XXXX started taking XXXX a month with out my connsent on a debt older than 7 years old in MN. They breached the contract when XXXX out of XXXX orders from XXXX never arrived in the XXXX. They had me wait so long the 2 months was up to dispute. Now XXXX is lying to the credit reporting companys and it is XXXX dollars. All 3 major reporting companys and I have reported them 2 or 3 times to each one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX Experian & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to  intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.
Product: Mortgage

I was in the loan modification process this year, on XX/XX/XXXX I was sent a letter from Flagstar Bank to send my income docs, hardship letter, and income worksheet. We mailed the information back in the envelope that was sent on XX/XX/XXXX and in XXXX when I called to make a payment I was told that my home was now in foreclosure, this is not what I was originally told. The customer service rep stated, If I continue making payments and send docs when requested the payments that were not made during the hardship forbearance would not be considered late due to COVID. Then on my credit report, it showed over 180 past due for those payments not made while I was in the forbearance. I was told that by continuing to make my payments those would not be held against me but the payments would show on my credit report in good standings. So I got approved for a new modification but the late pays still shows on my credit when I did everything they asked when I called and asked why I was ever denied the representative told me they have a new servicer that didn't accept the original documents and I never was told that. So now this hurts my employment because I work in the XXXX XXXX and lowered my score drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, NY XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I want these hard inquiries REMOVED!
Product: Student loan

The XXXX XXXX enables federal student loan borrowers to receive a refund on any payments made after XX/XX/2020. In accordance with this policy, I've requested a refund from my student loan provider, EdFinancial, for the payments made during this period. In response, EdFinancial has given an unreasonable timeline of five or more months for the balance to be reinstated with an additional processing time upwards of several months after being reinstated for a check with the refunded amount to be sent to my home address. Furthermore, they have refused to provide confirmation of my request in any written or electronic form. As gathered from other borrowers who have requested payment refunds from their provider, it seems that other providers have provided much more reasonable timelines of one to two months for the loan to be reinstated and the refund sent to the borrower. As far as I've gathered, EdFinancial is the only provider giving such a lengthy timeline. Other borrowers have also been able to receive written and electronic confirmations of their request from their provider. I'm worried that this unreasonable processing time from my student loan provider could prevent me from receiving the potential student loan refund announced by executive order recently. Further, the quantity I've requested for refund is quite significant, over {$14000.00}, and thus receiving it in a reasonable timeframe will not only ameliorate personal financial stressors, but will also limit financial damages as a result of the time value of money. It's been two months since requesting this refund, and I have been given no updates or timeline after calling customer service and requesting it.
Product: Checking or savings account

XXXX Order XXXX - XX/XX/XXXX XXXX Of the amount of {$XXXX} XXXX Order XXXX XXXX  XX/XX/XXXX XXXX of the amount of {$XXXX} XXXX XXXX Order XXXX  XX/XX/XXXX at XXXX of the amount of {$XXXX} XXXX Order XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX of the amount of {$XXXX} XXXX XXXX Order - XX/XX/XXXX XXXX XXXX of the amount of {$XXXX} I have an account with XXXX  and I pay them XXXX but ever since XXXX Ive been paying twice a month on XXXX different cards. Im not sure how but I never used my Chime account for that subscription, I have been charged separately on XXXX different accounts XXXX of them being chime and that is an unauthorized charge. I contacted melaleuca and they were unable to find the account connected to my Chime account. They suggested I contact Chime and dispute the charges so I did just that. I was issued a new card from Chime but I was denied the dispute of the unauthorized charges. I am extremely upset that they were unable to resolve the issue. The images i provided are from my authorized melaleuca account that I pay monthly but those charges are on the right card which is my mastercard ending in XXXX. I was charged completely separately on a different card that is a visa ending in XXXX those transactions are not showing up on my XXXX account and those charges should not be there.
Product: Credit reporting or other personal consumer reports

Im giving XXXX and XXXX XXXX days before I file a claim of unfair and deceptive practices Against equifax for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX and XXXX will remove accounts removed non public accounts in XXXX days of receipt of this notice If XXXX and XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on XXXX and XXXX taking you to 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 Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXX and XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXXto notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report this afternoon and was shocked with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.
Product: Mortgage

My loan has been transferred to another Leander. The new lender does not answer or return repested phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX ; the account ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00}.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Collection Accounts on Credit Reports I am filing this complaint regarding eight collection accounts appearing on my credit reports with Equifax, XXXX, and XXXX. These accounts total approximately {$8000.00} and have been disputed multiple times through XXXX XXXX, without resolution. 

I received IRS Form 1099-C for these accounts, indicating that the debts were cancelled by the original creditors and reported as income. Since this cancelled debt has been documented as income through the issuance of 1099-C forms, these accounts should no longer be reported as outstanding or delinquent by the credit reporting agencies. 

Furthermore, the accounts in question are reported by third-party debt collectors, not the original creditors who issued the 1099-Cs. Given the debt has been cancelled, these accounts should reflect a XXXX balance and be removed from delinquency status on my credit report. 

Despite submitting disputes, the credit reporting agencies continue to report these debts as valid. I can provide Copy B of the 1099-C forms if necessary to verify my claim and request that these accounts be updated to reflect a XXXX balance or be removed entirely. 

Thank you for your attention to this matter.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX, XXXX XXXX XXXX XX/XX/2024 Subject : Request to Block Fraudulent Information Under FCRA Section 605B To Whom It May Concern, Transunion Transunion Dispute Concern XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX Dispute Center XXXX XXXX XXXXXXXX, XXXX, TX XXXX Subject : Request to Block Fraudulent Information Under FCRA Section 605B To Whom It May Concern, I am writing to formally request that you block specific information on my consumer credit report that I believe is the result of identity theft and fraud. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

The fraudulent, inaccurate, and false information that I need removed from my credit report includes the following accounts : 1. **Credit Card Applied at Chase Bank** - Applied on XXXX XXXX 

XXXX. ** Credit Card Applied at XXXX XXXX - Applied on XXXX, XXXX. 

These application were submitted using my identity, and I did not authorize any of them. As a result, several unauthorized hard inquiries have also been made on my credit report. 

Please send me a written confirmation once these items have been blocked and removed from my credit report. I would also appreciate any additional guidance or steps that may be necessary to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. 

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

Since XX/XX/XXXX XXXX XXXX XXXX  ( Mortgage owned by XXXX XXXX XXXX ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. Transunion closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to Transunion. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX  XXXX   to manage mortgages, and it is now with XXXX XXXX. I would like Transunion to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT FROM THE EQUIFAX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.