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

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, American Honda Financial XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX  American Honda Financial, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
Product: Credit reporting or other personal consumer reports

Multiple inquires on my credit file that were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bank with Chase and have been a client for decades. Never filed a complaint or had any other issues. I transferred money with XXXX, a partner of Chase to a shipping company on XXXX losing {$2800.00}. On XXXX when the person ( s ) who I was allegedly doing business with on the web essentially disappeared and contact was lost, I learned it was a fraud. I've tried to rectify with bank, one person said they would refund one time as a loyalty courtesy and was relieved. Then they transferred me to another person who said absolutely not. I would have thought some protections or loyalties were in place, but apparently not. Please call me for details. I am disgusted and will likely move every account out of that bank!
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

So first my account had stop letting use my online login and then when I ask was there anything wrong with my account they told me no so after that it I went to try and withdrawal XXXX $ out of my account they said that my account had a block on it for some reason and that they were closing it and they will send me a check I dont see why I cant withdrawal my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 

My personal information as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( XXXX ) of fraudulent transactions : * Credit Cards The following is a description of the identity theft incident : An anonymous person used my information 4 times for fraud : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

XX/XX/year> {$5500.00}. 
About 10 days ago, our Realtor said we would be getting about {$6700.00} back at closing. Instead, we owed over {$700.00} at closing. While we did apparently have another months payment added to payoff amount, our mortgage was less than {$2000.00}. So, where did the other {$5500.00}?
Product: Credit card

On XX/XX/23 I sent my payment of {$7200.00} to Discover Bank and asked for written instructions for the acceptance and completion of payment to be done within XXXX business days. There has been no response from the company.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: Debt collection

I received a bill statement from XXXX XXXX XXXX collecting debt I never own. I am not owing this company or Speedy catch or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from XXXX XXXX XXXX saying that " is now servicing your delinquent account on behalf of XXXX .... '' I do not have any account with speedy cash. I am not owing this company or Speedy catch or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX   ( XXXX  ), and when confronted, XXXX XXXX produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.
Product: Credit card or prepaid card

My account was closed by card issuer without notice or explanation. I was thus denied benefits of the card ( mileage points on purchases I was forced to make using a different card ), deprived of the use for which I had paid an annual fee, and left in the dark. There was no balance due at the time of closure and my credit rating is above XXXX.
Product: Checking or savings account

I opened my account with Santander on XX/XX/2023, I made the enrollment online banking process successfully, I was able to access to the online banking trough the app. But now I cant access trough the webpage on my computer. Im using the same ID and password.
Product: Checking or savings account

Im trying to enroll in online banking using my debit card number and pin but the system doesnt recognize the information. I also tried to activate the card by phone and same issue, the system is not working. 
Can you please send a pin reminder to my mailling address or tell me how to activate the card and enroll without issues. 
thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting

What I believe is a strategy to enforce the use of XXXX ( owned by XXXX ) I have requested my credit report from Equifax and XXXX and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.
Product: Student loan

I use XXXX XXXX which handles my employer match contributions to my student loans. Prior to XX/XX/22, I already paid off my EdFinancial Services account in full. On XX/XX/22, XXXX sent a check of {$730.00} EdFinancial as a mistake even though their website says " payment made to XXXX account ending in XXXX ''. On XX/XX/22, I contacted XXXX, and according to the customer service representative, the check could not be cancelled because it was marked " processed '' by EdFinancial. Therefore, I'm not able to use the {$730.00} to pay to the correct loan servicer, XXXX. Immediately after, I contacted EdFinancial customer service, but they said that the check was not posted to my account or balance ( see the screenshot of my EdFinancial account balance -- there's no mention of the {$730.00} check ). They said they will start an investigation, but there is no way for me to keep track of the investigation other than to call back. The EdFinancial customer service agent also implied that there is an extremely long wait time, and no expected turnaround time in mind. It is highly suspicious that EdFinancial received a check nearly 2 months ago, and they haven't sent it back or posted a negative balance to my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following accounts as potentially negative when they are not. They are paid. Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All These accounts are paid
Product: Debt collection

I have been receiving calls from Midland credit for the past couple of weeks and I will put the number into a scam call detector and it says its a scam, but even after I block the number they still reach out to me from a different number. So I called them back today and they gave me the wrong name when they addressed me. The man said his name was XXXX XXXX, but he would not give that to me until I asked him multiple times, and asked why I needed his name when I first asked. He said he thought my name was XXXX, which is incorrect and I believe this is a scam because I am young and I have never even opened a credit card account so I dont understand how I would have any debts when Ive barely even bought anything.
Product: Money transfer, virtual currency, or money service

I changed my phone number recently. When I went to log in to Robinhood with my email and password it is prompting me to verify but only with my phone number, email is not an option. I no longer have access to that phone number so I can not get into my account. There is no way to request support unless you are logged in through your account. I tried calling their number and you are directed to login. I contacted them through email, XXXX, XXXX and XXXX. They responded on XXXX saying you can continue without app but that is not listed as an option, you can only login, forgot password, forgot email, or log in to someone elses account. There is no way to receive help from this company when you can not get into your account.
Product: Debt collection

They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i am a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I.am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FED LOAN SERVICING-XXXX FED LOAN SERVICINGXXXX CLAIM NUMBER WITH XXXX XXXX XXXX ENGAGEMENT NUMBER IS XXXX
Product: Debt collection

Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).
Product: Credit card

We reported fraudulent activity on our account, they provided credit at first. Then the said that the charges were valid ( showing us no proof of validation ) and put the charges back on our account and closed our credit card.
Product: Credit card or prepaid card

Please reference the Mastercard Dispute Resolution Management COVID-19 Guidelines dated XX/XX/XXXX XXXX attached. Please see page 4 question 1. 
This is my dispute. 
XXXX cancelled my trip XX/XX/XXXX. Services were not rendered. Merchant was unable to provide services and is now out of business. 
I contacted the resort and the room was cancelled by XXXX. I contacted XXXX XXXX and the refund for the flight was refunded to XXXX and we have not received any money back. 
The charge was XX/XX/XXXX for {$4300.00}. 
I have been in contact with Citi Bank and continue to get no resolution since XXXX XXXX. I have filed 2 disputes and still no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> received numerous calls from Radius Global Solutions and told them to stop harassing me via telephone. They call using multiple different numbers throughout the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a 609 letter informing equifax, XXXX and XXXX credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling equifax I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that equifax knew that people 's information was compromised and did n't do anything after the fact.
Product: Debt collection

Credit Collection Service XXXX XXXX XXXX, XXXX, MA XXXX - XXXX Monday - Friday : XXXX to XXXX ET On XXXX CCS sent me a " password '' protected email in response to my denial of owing XXXX XXXX {$170.00}. 
I was unable to open the email. There was NO 'reset the password ' option. I wrote a letter, requesting they send the response by U S mail. 
I did not get a response by any means. No mail, no further emails. 
CCS elected to send the info to the credit reporting agencies, and I suffered a significant loss to my credit score. 

Who decides who's right? XXXX or me or CCS????
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND EQUIFAX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.
Product: Credit card or prepaid card

In XX/XX/2017 I obtained a secured credit card from Wells Fargo, paying an initial deposit of {$300.00}. I was told by the branch manager in XXXX, Oregon that after 1 year of making on time payments, that my security deposit would be refunded and my card would be converted to an unsecured card and my deposit refunded and credited to my checking account. It has been 2 full years now since I have had the secured card. I have never missed or been late on a single payment. I have always paid more than my minimum payment as well. 
I tried to resolve this after the first year, and was advised that they do not automatically convert the card to a secured card ; they said they review the card periodically and then decide to convert it or not. The security deposit is also " non interest bearing '' as well, meaning they are making money off my deposit and not giving me any of the interest earned. All they did was waive the new annual fee of {$25.00}.
Product: Debt collection

Certegy continues to try to collect on a debt that is not owed. This is my final complaint before I contact my Attorney on Tuesday and file suit against them, their collections department, and XXXX. I have already contacted XXXX and was assured that the issue was handled and that Certegy would be contacted. Apparently this hasn't happened. I am attaching an email that was sent about 2 months ago and the response from XXXX XXXX CEO Office. Certegy states that they investigated a matter ... they haven't, because I am not going to provide a DL Number or any other information to help them verify something that they should not already have. I have already stated on a recorded line that the DL number and SSN is not mine. That is more than enough. On behalf of the FDCPA, I have grounds to sue because it is on them to prove that this debt belongs to me, which it does not. They have not done so and the burden is on them to prove that with the information provided, which they have not done so. I do not owe anyone any money. I am not giving my personal information while they continue to have security breaches. The next person that they will hear from is my attorney if this isn't resolved asap.
Product: Credit reporting or other personal consumer reports

I am not affiliated with these inquiries or the creditors shown. I urgently request their removal from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

Date XX/XX/2020, Amount owed {$1000.00} Midland Credit Management discussed my account with a family member who is not on the account and they obtained his phone number illegally.