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

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX  XXXX Inquiry Date XX/XX/year>
Product: Money transfer, virtual currency, or money service

I used XXXX to pay for an online service. Unbeknownst to me, there is no buyer protection, although its backed by my bank. The vendor turned out to be a scam. I called my bank and was told there was nothing they could do because I authorized the payment. This was the first time I ever used XXXX for an online purchase. Later, I found multiple complaints on XXXX  with similar experiences to mine. Wells Fargo should be more upfront about the risks of XXXX and make their customers aware. I lost {$500.00} and was left heartbroken.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and XXXX, XXXX and Lexis Nexis are breaking the law by reporting this in inaccurately. I know that Lexis Nexis is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report on Equifax, I saw an unknown account called XXXX XXXX XXXX. I disputed this account with Equifax. I received a letter from Equifax stating that this unknown account was verified as mine. Equifax has failed to provide proof on how this account belongs to me.
Product: Money transfers

My Sister and I have accounts in Bank of America. She is in XXXX and I live in XXXX. I wanted to transfer {$200.00} to her account. I logged in the Bank of America mobile application and used the " Transfer Money '' feature. It prompted me for a Cellphone or Email address and the full name of the recipient. I input my Sister 's full name and her mobile number and clicked on Submit. The next day my Sister notified my she had not received the money yet so I called Bank of America. I spoke to one of the associates there and I was notified that the money transfer was sent to an account in XXXX XXXX. They were not able to provide me with the information of the owner of the XXXX XXXX account. Bank of America is telling me that this is my mistake. That I should have not used a mobile number. Bank of America opened a " dispute '' on the transfer but notified me that if the owner of the XXXX XXXX account refuses to return the money, then that means that I have lost the {$200.00}. I will never see the {$200.00} again. 
My Sister number is also registered under Bank of America so I do not understand why would the transfer be sent to " Outside '' of the Bank of America network instead of figuring it out that there was an account within Bank of America with the same mobile number registered. My Sister does not have an account with XXXX XXXX. She only has a XXXX XXXX through them. I am on my second day calling Bank of America and they keep avoiding me and putting me on hold. When I finally contact an associate they tell me that there is nothing they or I can do but only wait. This transfer feature is not secure and it is faulty. Bank of America needs to be held responsible for this mistake and audited to make sure this error does not happen again to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to BMW FINANCIAL SERVICES, yet BMW FINANCIAL SERVICES is not removing this fraudulent account. BMW FINANCIAL SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BMW FINANCIAL SERVICES Bank has refused to do this. The following is the fraudulent account : BMW FINANCIAL SERVICES XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Student loan

My niece defaulted on a student loan of {$9100.00} through XXXX XXXX on which I was a co-signer, that was referred to XXXX XXXX. I have now lost contact with my niece ( she finished XXXX XXXX and XXXX XXXX XXXX ). The loan went to Navient and now they have turned this over to XXXX XXXX agency. The have offered two options : Pay a lesser amount on the loan ( {$4400.00} ) or pay XXXX to take my name off the loan. 

My question is whether this is even legal since XXXX XXXX says only the original loan holder can ask for the co-signers name to be removed? 

I want this to be resolved with least cost to me but that will restore my credit ( otherwise excellent ).
Product: Checking or savings account

On XX/XX/year>, someone was unauthorized withdrawn my checking account. They made XXXX unauthorized withdrawals for {$600.00} & {$500.00}. The bank told me that they used our IDs to make withdrawal in person at the tellers in the XXXX XXXX branches. 

We had a trip to XXXX XXXX  from XXXX XXXX. We had proofs of flight ticktes, hotels, XXXX XXXX XXXX credit card transactions in XXXX at the time of the frauds incurred in XXXX. 

We called to report the frauds on XX/XX/XXXX, and filed the claims. The bank asked us to wait for 90 days for the investigations. On XX/XX/XXXX, we called to check the status. They told us no claim was filed. So we opened the claim again.
Product: Debt collection

A Mr. XXXX XXXX contacted a family member earlier today and when he was asked how he got the number, Mr. XXXX stated it was listed on his paperwork as a contact number. Mr. XXXX was informed that was not a contact number for me and not to call the number again. Immediately following that conversation, Mr. XXXX contacted the same family member once again but this time it was on his cell phone. When asked how he got the number, Mr. XXXX stated it the number was listed on his paperwork as a contact number. Again, Mr. XXXX was told that was not a contact number and was not to call the number again. Neither number Mr. XXXX called has ever been listed on any type of paperwork as a point of contact, Mr. XXXX lied. The family member called me with Mr. XXXX XXXX contact information. Upon calling the number given and entering the extension number provided, I was connected with Mr. XXXX. The call was regarding an old private student loan account with XXXX XXXX that was paid more than ten ( 10 ) years ago. Mr. XXXX insisted the only way to remove the file from them and to stop collection proceedings would be to provide a letter showing the account paid. I again told him the debt had been paid more than ten ( 10 ) years ago and demanded that I not be contacted at any number again regarding the matter. He became very ugly and informed me that they would continue to contact me. I stated that I knew the law regarding this matter and they were not to contact me. He stated he knew the law also and they would continue to contact me. I hung up the phone.
Product: Credit reporting

Transunion has fail to provide accurate and timely response of negative unverifiable information on my report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 fraudulent charges to XXXX XXXX were made for {$120.00} twice. Filed a dispute with Citi and closed account with number ending in XXXX. Citi issued a new card. 

XX/XX/2022 ( Card was closed at this time card ending in XXXX. ) Fraudulent charge for {$76.00} made to XXXX. Filed a dispute with Citi Citi told me that I needed to contact XXXX. On XX/XX/2022, I called the number that was listed on my statement from Citi ( XXXX ) and talked to XXXX. She said there was nothing they could do. 

XX/XX/2022 received a letter from Citi stating my dispute has been closed and the {$76.00} is now my responsibility. 

XX/XX/2022 again contacted XXXX at the number listed on my account ( XXXX ) and talked to XXXX and they have no record of a payment for {$76.00}. I have auto pay set up with Spectrum using a different credit card, my monthly total is {$74.00} per month. 

XX/XX/2022 wrote a letter to Citi Security Services detailing all of this information along with supporting documentation and have never heard back from them. 

XX/XX/2022 I paid the {$76.00} bill as I did not want to ruin my credit. 

XX/XX/2022 called Citi and talked to numerus people ( I was on the phone for over two hours ) they stated that I should be getting a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have an inquiry on my credit report dated X/XX/16, from XXXX XXXX XXXX, at XXXX XXXX Fire XXXX XXXX, XXXX, NC XXXX. I have not applied for any credit with them. I sent them a letter asking for the valid proof or please remove the inquiry. <P/>they sent me back a generic letter that states, " this dispute relates to an inquiry or request for consumer report. <P/>I called in to XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX, said if we show the inquiry it must have made an credit application. <P/>They can not provide it or even be certain that I did actually apply, This needs to removed.
Product: Debt collection

I contacted Kohl 's regarding a past credit card account that has been negatively reported to XXXX and other credit bureaus. The amount of the debt is incorrect. When speaking with the company, they ask for verification information such as address, social security number, phone number, etc. They did not inform me they are a debt collector and that this is an attempt to collect a debt. They proceed to tell me that I owe a balance and I can pay a balance. When I informed them that the balance they 're mentioning is incorrect, they tell me that there is no way to dispute the balance. I ask for proof and verification of the balance according to their records and they told me they have no way of providing me with proof. This has happened on three separate occasions. 

Finally, today, XXXX XXXX, 2017, I contacted them yet again to get clarification on the balance. They inform me of the collection agency that is collecting on their behalf. I reach out to the agency regarding the debt and they tell me that they have a restriction placed from Kohl 's ( Capital One ) not to contact me at all. They tell me they also have no way of verifying the debt and ca n't provide me proof of the charges or a breakdown. They offer a settlement and I inform them I am disputing the validity of the debt and my right as a consumer has been violated. They tell me I can email, fax or mail out a letter to them and they will get it back to Kohl 's. They say that normally this is an attempt to collect a debt, but as of right now it is not.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I made a rent payment via my Bank of America card. On XX/XX/XXXX I noticed a double charge and contacted BofA. I was told that they would refund the second charge within XXXX business days and the claim had been submitted at that time. I called a week or so later to check on it and was reassured that it was in process. I called a third time on XX/XX/XXXX and was told that the claim HADNT been submitted but that they could do it immediately and escalate the request so it would only take an additional XXXX business days. Meanwhile this overage drained my bank account and I had to use their credit card to live. Convenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account includes medical billing information that was billed to insurance. have disputed information on the account and am unable to dispute it. 
the account includes information on accounts that have been paid. continues to show on report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this this complaint on XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Company is reporting information without authorization from the consumer to be shared with 3rd parties and is protected by the privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

This debt is not mine and should have never been put on my account. I strongly dispute the debt and this companys claim!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX this year I got a credit report that Greensky opened a line of credit in my name. I contacted Greensky on XX/XX/2019 XXXX   XXXX/GREENSKY Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and they said that some construction company opened the account in my name. I said I did not give anyone permission to open an account in my name. And furthermore .I did not give a company permission to conduct business electronically with me. Greensky said they could care a less about that.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

The American Express portal showed me that I had 108,000+ Rewards Membership points available to use, obtained with my Amex Platinum credit card. 

Based on this information, I was led to believe that I was in position to transfer XXXX points to XXXX XXXX loyalty miles program, which would have allowed me to buy a flight at an advantageous rate. I thus canceled an existing reservation with another airline ( XXXX XXXX ) for a ticket worth {$700.00}, and proceeded to transfer the XXXX points to purchase the XXXX XXXX award flight. 

But when I tried transferring the points, at the very last page, when submitting, I was told that my account was under review and that the system would not let me use my points. 

I called American Express to solve the problem. They told me that the review could take up to 90 days. They also told me that I should not see my 108,000+ Rewards Membserhip points as being " Available '', and yet that's what the website displayed to me ( see attached screenshot ). 

Overall, this situation has led me to loose a {$700.00} flight, that I can not rebook at this rate. I had to go through the expensive process of buying XXXX XXXX XXXX miles for cash at a rate of 2 euros per 100 points. That is, I incurred an expense of about {$1000.00} to buy these points, while the Amex website misled me to believe there were available and made me cancel my other flight. 

One takeaway from this experience is that consumers should not trust American Express when their website claim that you have a certain amount of rewards point available. At any time, they can place a hold on your account, without notifying you, and without showing you anything on the portal, until you try to make a purchase.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters regarding this matter. I have requested from this company a letter of validation of debt. This company never provided proof that the debt in question " XXXX XXXX '' is valid. I have never seen a copy of a contract that contains my signed signature attached. This is a complete violation of FDCPA and could result in a fine of {$1000.00} per violation. It is now well over the allotted time to proved proof of debt, now I am requesting to have XXXX XXXX : ACCOUNT # XXXX removed from my credit report immediately as this is damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a small business owner. I was trying to buy a commercial space to scale my business and realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my report. It is a defamation of my character.
Product: Debt collection

XXXX XXXX XXXX offered me a XXXX money-back guarantee for aligners for my teeth. I tried the aligners but didn't like them, so I requested my money back within 30 days. When I emailed XXXX on XX/XX/XXXX, within my XXXX trial period, I was informed that XXXX had gone under as a company and is no longer honoring those guarantees. Now, I am stuck with a balance with Healthcare Finance Direct of {$2000.00} for a product I do not want because of the promised trial period that was not honored.
Product: Credit reporting or other personal consumer reports

I went to jail couple months ago for driving a stolen vehicle that I didn't know it was stolen. I was bailed out, The charges where dropped when I went to court by the owners because it was not me that they had in camera.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money was sent to God-daughter, a XXXX gift. She is unable to pick up, lost id and has a XXXX. 

On XX/XX/XXXX e-mail XXXX and received case number, SF XXXX, on XX/XX/XXXX with instructions to use at store for refund. 

On XX/XX/XXXX tried to use case number at store for refund, CSR unable to locate case number. Called XXXX stayed on phone for 14 minutes -- CSR unable to assist with refund. 

On XX/XX/XXXX sent another e-mail to XXXX asking for a refund via check. I have received no response. 

To date the XXXX still had the money. It has not been picked up. 

The total amount due to me is {$57.00}. 

As of today, XXXX XX/XX/XXXX Reference No. XXXX Transaction Status Ready For Pickup Receiver XXXX XXXX Send Amount XXXX USD In-Store
Product: Payday loan, title loan, or personal loan

Netcredit.com would not delete my personal information including name, email address, bank information, etc. The customer service rep said by Federal Law they could not delete my information. I believe that is incorrect. I want all my information deleted from all their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Agency via XXXX XXXX XXXX XXXX XXXX loan applications keeps listing erroneous very harmful info on my report.
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, has violated my rights. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 

In XX/XX/2019, XXXX XXXX responded to a complaint with the CFPB # XXXX, indicating that after investigation REMOVING Bankruptcy record # XXXX from my XXXX file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XXXX of 2020.