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

There are a copious amount of inquiries on my credit report that I did not authorize and are unrecognized. I have requested to the bureaus that these be deleted but they still show on my credit report. I am attaching the identity theft report I filed. 


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

There is an inquiry on my report from XXXX XXXX that was not generated or authorized by me, for a company I do not know and there is no additional information about who its from and how to contact them. 

When i asked to investigate this as fraud I was told they don't do that and I would need to figure out how to locate the company and dispute it with the company. 

I asked how was I supposed to track down a company with a XXXX XXXX and no phone number that they readily accepted this inquiry from I might add with no additional identifiable information. 

I quoted from the consumer rights printed on the bottom of their report " incorrect, incomplete information is to be investigated by the company '' upon notification and still they indicated they will not do this. 

On top of this they are unable to verify my identity, though I am able to do this on every other site including the government free credit report site and due to this they won't update my mailing address which is currently missing my apartment and incorrect. 

It has been a vicious circle with this agency for a week and I am the one stuck with things on my report that I can not get removed, disputed and they keep telling me they will MAIL me further information, which I have requested them not to as they will again open me to identity theft by mailing documents with sensitive information to an incorrect address.
Product: Debt collection

This debt collection is an attempt to collect the same debt from CFPB case # XXXX. The debt is now under NATIONAL CREDIT ADJUSTAccount XXXX. The debt was deemed invalid due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Product: Debt collection

I took a loan with XXXX  and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX  called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX  did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes.

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX  sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX

Thanks, XXXX
Product: Credit card

I have boa credit card - XXXX XXXX XXXX XXXX - i consolidated credit from another credit card in XXXX by paying full as it has higher interest and credit limit was transferred to this credit card. My credit limit was XXXX - and i have been making minimum payments and using this credit card from past 1 year. This acct has been open since 15 years. BOA reduced my credit to XXXX as it is lower fixed interest rate credit card. Also they did not pay me the better rewards balance on all of my 4 credit cards that I have. I am supposed to get XXXX $ for all 4 of them after they forcibly transferred to another unlimited cash back rewards credit cards without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft personal information on dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

Dear CFPB, I will continue to submit complaints until you hear my plea 's. You hear and do nothing and I wish you would take action. I continue to be bullied and overcharged for interest by a predatory financial center. Every time I email and request help, they extend the abuse, hopping I will quit complaining and raising my voice as an oppressed consumer. But I will not, I will scream at the top of my lungs to the the rulers of the jurisdiction under which they lay. 
You, Dear CFPB, must speak up as a voice of the people and answer the cries of those without a voice, you must give the key to those shackled by the tyrannical oppressors! It is you oh great CFPB that must answer the call and respond to the injustice laid before you here today!
Product: Vehicle loan or lease

I requested a close out statement in writing it was received by Ally Financial on XX/XX/21 according to the certified post marked receipt from the USPS.The document stated I owed 36 payments of {$260.00} and did not document any other charges. I made the 36 payments but now the agency is saying I owe additional charges that were not on the documents I received from them.
Product: Money transfer, virtual currency, or money service

I contacted cashapp on multiple occasions regarding XXXX separate transactions. XXXX of the transactions was for {$500.00} in XXXX and the other was for {$100.00} in XXXX. Cashapp stated that the funds couldn't be reversed and couldn't provide ant information on why.
Product: Bank account or service

Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process, i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed, lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it, because there is no way to do it ... 
The second part of the problem is that bank super computers magically only processing bank transactions on " business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only " business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow, postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the " business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason, explanation or excuse why these " to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( XXXX ) is reporting these false inquires identity theft fraud on my account please remove of report asap please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 XXXX XXXX  XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 XXXX XXXX XXXX Dispute this Address Date XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022
Product: Checking or savings account

contacted you once before about a chase check account and have not heard from you. 
The man on the phone when i called XXXX XXXX of chase bank XXXX XXXX XXXX XXXX telXXXX-XXXX and someone intercepted the call. He said his name was XXXX. He told me that to change ny address on the checks I had to come down to the bank. He also told me he could give me the phone number of who changed it. Once or twice the address change and Mr XXXX knew. XXXX told me it was changed over the internet, which I dont have access to. The account was opened with XXXX XXXX and i told both her and Mr. XXXX that no changes were allowed from the internet, the app or on the phone. XXXX, whos last name is XXXX, lied to me on the phone and said to come down and he would fix it. Upon arriving there he was talking out loud to himself. He said he was on the speaker phone, and was being told what to do. Who was talking in his ear like he said someone did, and why did he listen. If I cant change the number how did it change at all. The address on the checks was defitnetly altered. Anyone who says otherwise is misled or llying. Now as per Mr XXXX each time I order checks I have to go down tho chase to alter the address on the checks. Is this banking law. If you dont answer I will call XXXX XXXX XXXX as I did with Sheriff XXXX. When I was leaving XXXX XXXX said watch how you say things Sheriff XXXX knows of you. Am I being followed by him too. He has XXXX XXXX XXXX ties, who said they would follow me. Does anyone at the chase bank. JP Morgan will hear of this too. With a XXXX XXXX XXXX, recieved from a XXXX XXXX  XXXX manager, I sometimes make mistakes-I apologized in advance like I did to Mr. XXXX and XXXX. Tried to logon to get a complaint num but no luck
Product: Mortgage

On XX/XX/XXXX, we ( my fiance and I ) submitted our mortgage information ( bank account numbers, Social Security numbers, etc. ) through a fax machine. We sent the papers to a fax number that was on a Navy Federal fax cover sheet. We received notification that it successfully went through. Navy Federal ( they ) emailed us after asking if we submitted our documents. On XX/XX/XXXX we realized that Navy Federal had not received our paperwork. We were told on XX/XX/XXXX that it was at a Navy Federal and they needed to locate the paperwork. On XX/XX/XXXX Navy Federal realized the documents were not in their possession. On XX/XX/XXXX they said they received communication from the law firm " found a fax that Navy Federal sent but they did not have our forms '' ( Navy Federal did send a fax in the beginning trying to locate the papers ). We called the law firm, not believing Navy Federal and they located our forms within 5 minutes of the start of our conversation. The law firm did destroy the papers. Navy Federal apologized however they refuse to provide any compensation or sense of security of our private information as we " did not lose any money '' and " it was a glitch in the system as to why they provided the wrong fax number. '' Attached I have my call log of who, when, the phone number and anecdotal notes of what was said. I even included the law firm 's contact information too.
Product: Debt collection

CENTRAL FINL CONTROLACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX, CA XXXX : XXXX FAX : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXXADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

applied for laser loan and was told i would get no interest for 2 years. been making my payments as agreed and i just notcied that theres interest being charged from day one.
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.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Both my business account and the personal account would be charged an overdraft fee because the funds were not in the account but they were the funds would be taken out when the purchases were made and would be pending I would still be charged an overdraft fee
Product: Debt collection

Credit control corp has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe to XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 items XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to all 3 credit bureau 's over 30 days ago and we have not received a response yet.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXL Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I purchased two ( 2 ) XXXX gift cards at the XXXX XXXX XXXX XXXX Bank of America, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, from teller XXXX. The amount placed on each card was {$490.00} ; however, I was billed {$990.00} for each card. I have written the bank branch explaining this and requesting a refund to no avail. Bank of America refuses to acknowledge their error.
Product: Vehicle loan or lease

The report shows that I was 30 days delinquent back in XX/XX/XXXX, however, I had an approved deferment for that monthly payment. However, back in XX/XX/XXXX, I sold the car to pay off the lease and close out the account, and the account is reporting negatively on my credit reports with the three reporting agencies.
Product: Mortgage

I submitted a Request for Information/Notice of Error on behalf of XXXX to MidFirst Bank c/o Midland Mortgage on XX/XX/2017. Midland Mortgage is claiming that XXXX is in default but he insists that since his Trial Period Plan, he has never missed a payment. Midland Mortgage has failed to respond in any way to the Request for Information/Notice of Error and XXXX files this complaint.