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

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit card

I had told the company that the service that was provided in regards to credit service was not available and was removed in XXXX of XXXX. They had taken money out of my account eventhough I had told them I am not receiving the service. That lead to me sending a message formally cancelling and ask that they do not take money out of my account on XX/XX/XXXX and to cancel and subscription or whatever so that I would not be charged. 

They still charged my account and stated that eventhough I had asked for cancellation well in advanced of the XX/XX/XXXX due date, they said they can not return my money that they took from me. This would be XXXX months that they are getting paid and have not provided the service as promised.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole life.
Product: Mortgage

On XX/XX/year> I paid off my loan of {$100000.00} and was told that I would receive my Lein release package in less than 30 days. I was in the process of purchasing a business and was needing that Lein to use as collateral in this deal, so we were keeping a close watch on the mail. It was supposed to be shipped to our courthouse in XXXX XXXX XXXX. I called the number on their website to hopefully speak with someone and possibly get the ball rolling a little faster so that we didn't lose this deal. This is where the complaint comes in. You CAN NOT speak with a human being at this company. There is no possible way to get a human on the phone. They congratulate me over and over for paying off my loan and tell me how to quickly go find my Lein release on the web site ( which is not there ). They also then tell you it will now take 3 to 9 months for your Lein Release to be processed. Then promptly hang up on you. I sent them messages asking politely if there was any way to speed up the process and was told they would see what they could do. They told me they would see what they could do. these messages take days back and forth to answer. I beg for a phone call but nothing. I finally receive a copy of my lien release at my home address, but the courthouse doesn't. As I read over it, I notice that they have sent it to XXXX XXXX which is in XXXX XXXX La. hundreds of miles from my house. it's not even written for my house. We contact XXXX XXXX XXXX, and they say they have received it but have to mail it back to the sender to be fixed. Now we are back at square one and don't even know if they are working on it or not. why shouldn't all companies have to have a human to talk to on the phone. This company is Rushmore servicing XXXX My name is XXXX XXXX My number is XXXX I attached a screenshot of all the times i tried to talk to them and the same response i get every time
Product: Credit reporting or other personal consumer reports

Fraudulently unauthorized access to my credit report. I dont recognize this lender or bank. According to the FCRA, these unverified and unauthorized items must be removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my information was likely compromised in a security breach. Equifax failed to protect my personal information, which may now be used to misrepresent my identity and harm my credit or incur costs to me. This has required me to pursue various means to protect my credit and identity which i would not have otherwise been required to take.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes in light of the recent CFPB lawsuit highlighting issues with the Zelle platform. Despite using Zelle numerous times and reporting the discrepancy, my banking institution and Zelle failed to investigate properly. I was informed that recovering lost or missing funds is not traceable. The CFPB 's findings indicate that Zelle neglected to protect consumers and I am apart of that group of people.
Product: Checking or savings account

I have three zero-balance accounts with PNC Bank that I would like to close. 

At approximately XXXX eastern time on XX/XX/2022 I was connected with a representative who gathered my information, carried on a conversation, and asked how she could help. The call quality was pristine. As soon as I told her I wanted to close my accounts, she immediately said that she could not hear me. For roughly 90 seconds, I would say something, she would immediately say " I can not hear you '' only after I spoke. When I pointed out that she only said that when I spoke, she quit responding and disconnected the call roughly 15 seconds later. 

Further attempts to request a callback or reach support via the @ PNCBank_Help XXXX account have not led to any communication from the bank, and since they do not offer an online account closure I am unable to close my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.
Product: Credit card or prepaid card

American Express offered me a 20 % cash back and XXXX points on restaurant spendings during the first 12 months ( capped at {$250.00} total cash back ). They honored this offer for my small restaurant spendings, but did not honor it on my largest ones. Most recently in XX/XX/2022, they categorized two of my restaurant spendings in XXXX as " other purchases '', rather than as " restaurants ''. 

Upon my inquiry in late XX/XX/2022, Customer Support agreed with me that it was " odd '', but told me to wait a few days and contact them again if the cash back and the XXXX points did not appear. Upon my second inquiry in early XX/XX/2022, Customer Support told me that those restaurant spendings were categorized as " bar & cafe '', rather than restaurants, and so did not qualify for the cash back and the XXXX points. I found this to be arbitrary for two reasons. First, the places where I made the spendings were, to any reasonable person, restaurants, and not bars nor cafes. And the spendings were on meals. Second, I had received XXXX points and cash backs from places that are obviously cafes ( such as XXXX ). So they seem to make a distinction between restaurants and " bars & cafes '' quite arbitrarily, and there is no way customers like myself can determine beforehand whether Amex would categorize a place as a restaurant or a bar/cafe. 

This practice of arbitrary categorization gives Amex the power to exploit their customers, since there is no way for customers to know Amex 's categorization of a particular spending, nor to dispute Amex 's categorization later.
Product: Checking or savings account

I had fraud on my account and closed it months ago. Now there is a negative balance because of overdrawn funds and no reason for it. I filed a previous complaint and spoke to a manager about closing my account. They said it was closed. If it is closed, how are bad checks still being written against this account and why is there a negative balance? Why can't Citi Bank just do what they said they would do? Their management is terrible, and their customer service is like talking to a box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I've discovered incorrect billing information on my credit report, showing late payments I didn't make. Please update my account to reflect my accurate payment history.
Product: Checking or savings account

I initiated a transfer of funds from an XXXX account held by Optum XXXX on XX/XX/22. I filled out a transfer form on XXXX 's web site to make the transfer, and updates on the XXXX site indicated the transfer was in process and should be completed by XX/XX/22. 

I called XXXX on XX/XX/22 to ask why the transfer wasn't complete, they had no information, had not done any follow up with Optum, and told me I had to call them. So this is complaint XXXX - their website implies they will handle the transfer, but there is no follow up. 

I called Optum on XX/XX/22, they had no available record of the transfer request and said they will " investigate '', but warned me it can take 6 weeks to transfer the account. I'm guessing they're not sending rolls of coins on horseback to XXXX, this is a ridiculous amount of time to transfer an account, while charging me monthly fees. So complaint 2 is why Optum doesn't have record of a transfer request and why it will take 6 weeks to do an electronic transfer.
Product: Credit card or prepaid card

A XXXX XXXX XXXXXXXX credit card account was created fraudulently and had an outstanding balance of {$7000.00}, exceeding its credit limit. XXXX has been contacted to investigate this account. 
A XXXX credit card account was created but was closed without any transaction. 

Many unauthorized credit inquiries occurred from XX/XX/2022 until XXXX, which caused my credit score to drop more than 200 points. I reach out to XXXX and XXXX to file a dispute. I could not do the same with Experian since an existing Experian account links to a fraudulent email address that prevents me from getting registration confirmation. Experian requested that I fax or mail in my document to claim control of that account. That will take a couple of weeks to clear. 

I have placed a credit freeze, and fraud alert through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX up on my credit report when it is not mine i do not owe money to this company or purchase anything from them, because i do not have an account with them so remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Captial One concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and capital one has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.
Product: Other financial service

My friend handed me XXXX checks that was owned by another friend of hers and told me to cash it from my bank. She drove me to the bank in a blue 4-door car, as she waited outside in the parking lot, I was cashing out the check inside. My friend and I had a verbal agreement that she will repay me. She explained that she needed my help and the money was going towards paying her bills. Since we 've been friends for XXXX years, I thought I was helping out a very close friend of mine. Instead, on XXXX/XXXX/16, my bank statement was as stated, '' RETURN ITEM CHARGEBACK. '' My daughter had to transfer money from her account into our joint account to not incur an overdraft or be in debt with the bank since, at that time, she was the main account holder. I attempted to call my friend multiple times that day, XXXX/XXXX/16 and XXXX/XXXX/16 - she did not answer any of my calls nor called me back, I left her a voicemail explaining that I will need that money to be repaid as soon as possible. Sunday, XXXX/XXXX/16, my son went to her house and spoke with her daughter and a friend. Their whole 30-minute conversation was voice-recorded through my son 's cell phone. They explained that the mother has been partnering with " XXXX '' who goes by different aliases and has been scamming friends and targeting older women for XXXX or even longer. They provided a picture of the check holder " XXXX XXXX XXXX '' and the other aliases that she goes by and her phone number. They also provided their own phone numbers, telling my son that they will be witnesses to the situation that occurred - they know the entire connection between my friend and " XXXX. '' They XXXX told my son to instruct me to no longer contact my friend, for she will plan to hide or even tell " XXXX '' and XXXX of them will avoid being caught from breaking the law. Unfortunately, my friend persuaded me into cashing out a second check from the same scam artist. On XXXX/XXXX/16, my bank statement was as stated, '' RETURN ITEM CHARGEBACK, '' again. I have all the evidence that need to be reviewed.
Product: Credit card or prepaid card

On XX/XX/2020, I applied for a Amazon Prime Card, I read through the fine print of the disclosures to see who would be the issuing card bank before I applied. It said XXXX XXXX. I applied because Amazon Prime stated the card was issued by XXXX XXXX. I got a response from JP Morgan Chase Bank, denying my request for credit. I already have a card from XXXX XXXX, so I knew that I could easily get more credit through that bank. If anywhere on the terms and conditions listed JP Morgan Chase, I would never have consented to them making a hard inquiry on my credit because I already know that JP Morgan Chase has a high probability to deny credit. Futhermore, I did not have any hard inquiries on my credit report when I gave permission for XXXX XXXX ( so I thought ) to run my credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these fraudulent accounts opened/collection accounts with XXXX ( account XXXX XXXX, XXXX XXXX ( account XXXX XXXX, XXXX ( account XXXX ), XXXXXXXX XXXX  ( account XXXX ), XXXX  accounts ( account XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX )XXXX XXXX XXXX XXXXXXXX ( account XXXX XXXX ), XXXX ( account # XXXX ), XXXX XXXXXXXX ( account # XXXX ), as well as insurance that is being reported through XXXX XXXX XXXX  ( account XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the account or inquiries below and request your prompt assistance in addressing this matter. 
Fraudulent Account : XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$10000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX