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

In XX/XX/XXXX I discovered that on XX/XX/XXXX a charge had been made on my Visa card for {$540.00}. I am the person who constantly checks her account to make sure all my charges match with my purchases and I knew that I did not make this purchase. I still had my card in my wallet and I am the only person with this card. I had not given out my card # to anyone else. 
I immediately called the bank holding my card as I had never experienced anything like this before. They directed me to security and proceeded to go through security procedures - they had me take a photo of myself and send it to them, put me through questions, and cancelled the card and sent me a new one. They reassured me that it was all right and all taken care of. I thought that was it. They never told me I had to fill out paperwork or directed me to do anything else. 
So imagine my surprise when the charge showed back up on my credit card statement at XXXX - XX/XX/XXXX. I was so confused - 3 months had gone by. 
I called them immediately because I thought some kind of mistake had been made, and that is when they told me that my claim had been denied ( nothing came in the mail etc ... ). 
I was flabbergasted. I told them again I did not make that charge and they asked if I had anything else to add, which I didn't. What could I add? I knew nothing. So I filed a new complaint over the phone. They again took the charge off my account but by XXXX they sent me a new denial letter in my e-mail ( I had to look for it in my junk email ). 
I opened up another complaint and asked to be sent formal paperwork and the guy I talked to said, " Why? you owe this, we have proof. We have something you signed and and IP # ''. I told him that was impossible because I didn't make the charge and it did not exist. He said it did. So I asked him to send me a copy and he refused. 
Now I understood that they were not going to stand behind me, the customer. So I found the email of the place that was listed on my bill ( a foundation/mission ). I got ahold of the director and response back from him on XX/XX/XXXX. He proceeded to tell me that there had been many false charges exactly like mine in XXXX and XX/XX/XXXX and they had had to get the County Attorneys office involved, as well as an investigator. They had come to the conclusion that someone made a fraudulent charge with my # ( and all the other victims # 's ) to their own " fake '' account set up in the missions name. 
He said my claim was the only one he knew of that had been denied.

I re-opened the claim and sent the credit card company a copy of the email, the directors name, and the information he had given me. On XX/XX/XXXX my claim was again denied. Unbelievable. 

So here I am disputing the claim again. I've already sent them info on the Bogus company, stolen #, attorneys and investigators, info on getting in touch with the director. What more can I add. If there is evidence against me I now know that by law they have to send me that proof so I can see If I need a lawyer for the almost 8 months of suffering through this nonsense and the anxiety it has caused.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX Account number : XXXX 4. Account name : XXXX XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX XXXX XXXX Account number : XXXX 6. Account name : XXXX XXXX XXXX XXXX Account number : XXXX 7. Account name : XXXX XXXX Account number : XXXX 8. Account name : XXXX XXXX Account number : XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit 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. 
XXXX, XXXX XXXX XXXX XXXX XXXX, and 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.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my frustration and seek your assistance in removing unauthorized hard inquiries from my XXXX, XXXX and equifax credit reports. Despite repeatedly explaining to the credit bureaus that these inquiries were not authorized by me, no action has been taken to resolve this matter. These unauthorized inquiries are negatively impacting my credit score, and I urgently request your intervention to have them removed immediately. 

Below is a list of the unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize any of these inquiries and have never given my consent for these companies to access my credit information. I have contacted the credit bureaus and the companies in question to no avail. The unauthorized nature of these inquiries constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Your assistance in resolving this issue is greatly appreciated.
Product: Mortgage

In XX/XX/XXXX I requested a loan remodification due to financial hardship ( I am a displaced worker attending school full-time ) with Citimortgage. I was told by my homeowner support specialists, XXXX XXXX and XXXX XXXX, that Citimortgage would report negative information to the credit reporting agencies regarding my account while the remodification was being processed and that after the remodification was approved and a XXXX day trial payment period was completed that Citimortgage would contact the credit reporting agencies to remove the negative information. The remodification was approved and I was advised that HUD paid my past due payment totaling {$6900.00} and escrow of XXXX a total of {$8400.00} and that a sub lien on my property must be satisfied before I can refinance or sale my home. I co-signed for a car loan for my son, co-owner of the property, in late XXXX of this year and I received several denial letters indicating that there were serious delinquincies on my credit report with XXXX. I requested a copy of my credit report with XXXX and it indicates that there was a maximum delinquency with Citimortgage of {$12000.00} for XXXX and {$6900.00} for XXXX. ( FYI homeowner support specialist also stated that my XX/XX/XXXX and XXXX payments would be included in the remodification and therefore I did not have to make those payments ) The delinquency period reported to the credit reporting agencies was from XXXX thru XXXX. I have contacted Citimortgage several times regarding this issue and this week I spoke with XXXX XXXX who stated that Citimortgage reports to the credit reporting agencies that the loan has been remodified and the delinquency has been resolved in situations such as mine. However, that is not what my credit reports reflects. XXXX XXXX stated that Citimortgage is a creditor and has no control over what the credit agency reports on my file when I advised her of what is actually reflected on my credit report. I also have a credit report from XXXX and it does not indicate that my loan was remodified and that the delinquency has been resolved. Therefore I am fairly certain that the same is true with XXXX. It is difficult for me to accept that a credit reporting agency would report any other than the information they receive from the creditor.
Product: Mortgage

In XX/XX/XXXX, I received a notice that my city property taxes for XXXX had not been paid. Since then I have contacted the mortgage company twice monthly to get this resolved. I have been told that my concern was in the research dept, I spoke to a representative in the delinquent tax department, XXXX, and she confirmed the taxes had not been paid. She requested I forward an up-to-date statement through their website of what was now owed to include all late charges and penalties. It was confirmed through a a different rep ( when I called again on a later date ) that they did in fact receive it. I have been told that the check is being processed ( that was a month ago ), I again called and the rep was no help. I am in the process of selling my home, the XXXX taxes are due next month, XXXX, may name has been put in the paper for delinquent taxes and I need this to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

This is another complaint I am submitting directed to XXXX and Equifax Credit Bureaus, as I can see the XXXX have made some changes in my XXXX credit report. But the Equifax that had only one fraudulent inquiry left they haven't removed it yet up until now. So please I am kindly requesting the CFPB to please help me in immediate solving of this issue by administering the deletion of these remaining fraudulent inquiries. Here are the remaining inquiries that NEEDED to be REMOVED : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a account with BBVA. On XX/XX/XXXX I went into the bank to fund the account but it was denied. Reason I had a charge off in XX/XX/XXXX- XX/XX/XXXX for XXXX. With a third party Bank call Simple. I never opened a account with them. Whoever open a account used a old address where I use to stay in XX/XX/XXXX/XX/XX/XXXX. I contacted Simple several times they would say someone would contact me, but never did. Simple couldn't tell me if it was being investigated are what was going on. 
On XX/XX/XXXX I received a letter from XXXX XXXX that my checking account was denied on XX/XX/XXXX. Never did try to open a account. I contacted XXXX XXXX they told me to contact Identity theft.gov. On XX/XX/XXXX I put a freeze and faurd alert on my credit. I also provided information to identity theft.gov. I contacted all three credit agencies.
Product: Credit card or prepaid card

They have not removed the disputed balance from my account they have tons of evidence to support the claim. Im not suppose to be charged anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am asking that the following inquiries are deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the bank pull my credit report and found out that there are FRAUDULENT student loans on my credit I reach out to the company no response I have never attended school.
Product: Checking or savings account

I contracted XXXX was hospitalized, I there were some discrepancies that happened with my business account due to my daughter accidentally using the wrong card in her effort to assist me as I was unable to handle my affairs or return to work. It took me a while to recover from the effects of XXXX. 

I am trying to restore my business and open another account due to this one being closed. I sent payment with the most recent communication I received from the debt collection agency as well as communication via email. 

On XXXX I called to verify if payment was received, and it was verified they received it on XX/XX/2022. The representative stated it was sent to original creditor. I asked for communication regarding receipt of payment as well as closure regarding the collection as the balance has been received and paid in full. 

I also sent communication in writing via email, and received no response. 

I was told by the representative that I had to wait 30 days, of which did not make any sense as the account has been resolved with payment in full. I am trying to establish another account so I can conduct business and I need written resolution an closure regarding this debt as it was an account closed associated with my business. 

.
Product: Debt collection

So this company XXXX XXXX XXXX is trying to collect a debt from the original creditor, which was XXXX. XXXX they were bought by XXXX XXXX debt collection. Now my information is being sold to third-party debt collector. They are not the original creditors and this debt has fallen off my credit report. It also has been over XXXX years on this debt. They have been contacting me through text sending me documents and calling my phone. I want this to stop. I contacted XXXX And I was Told that this debt from XXXX or XXXX was no longer on my credit report I will also be contacting the other XXXX because this is an old debt that should have been removed and I dont want companies taking advantage of me by trying to resurrect Old debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like 90 going north. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie.

They should be fined and penalized by the CFPB.

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.
Product: Debt collection

I own a XXXX company, I built a XXXX at a Local Mall, last winter, they owe me a large amount of money and refuse to pay, I am now taking the client to court, this has financially drained me. I had a XXXX XXXX, was hospitalize, and for some reason the insurance did n't cover 100 %, so it went to collections. This collection agency, calls every week to either my wife or myself, making harassing remarks such as they will seize our property or assets. I told the collection person XXXX, we will pay this debt as soon as we reach a settlement concerning my Mechanical Lien towards the XXXX I built. Right now, there is a hold on my bank account by the XXXX for XXXX XXXX XXXX Taxes that are owed, so it is essential I follow through pursuing getting my monies owed to me. Because my client refuses to pay me I have properly through my XXXX, will be foreclosing their XXXX holdings.
Product: Debt collection

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX The account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Product: Checking or savings account

I don't have exact dates as I have been with this company since XXXX but I have been charged numerous and extremely large amounts of overdraft fees some leaving me with little to no money to last me until the next payday. I stayed with them only because of the daughting and aggravation of getting everything switched over to another bank. There was. A few years there they were eating me up in overdraft fees. I would say XXXX to XXXX to was unreal. I was working to pay them. I would plead with them to help me and they would drop XXXX od fee. Ridiculous and greedy people.
Product: Credit card

I have on several occasions tried to bring a complaint about being refused my right as an consumer to make my credit card payment to the attention of wells fargo. I have been denied my right as consumer to a resolution now as well. They will not call me back to discuss this matter or get any actual facts in regards to the situation at hand. 
Instead, they write a vague response with fraudulent facts about a payment being processed. They will not address the actual issue. The report says I refused to make my payment at the branch. THATS A BLATANT LIE! The person who investigated the matter wrote a fraudulent statement and needs to be held accountable. 
Now they have shut my credit card off stating suspicious activity but never once contacted me regarding the suspicious activity. I want proof the suspected unusual activity. This is illegal. This is fruad. THIS IS DISCRIMINATION AND RETALIATORY RESPONSE FOR MY MANY COMPLAINTS. 
This bank is known for discrimination and fraud against minorities and needs to be held accountable. I deserve a complete audit of my accounts and outside investigation from non associated persons with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, Experian, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, Experian  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an inquiry to the Consumer Financial Protection Bureau ( CFPB ) regarding discrepancies on my XXXX XXXX XXXX account ending in XXXX. This inquiry was prompted by inaccuracies I observed on my credit report, which negatively impacted my credit standing. 

On XX/XX/year>, I received a response from XXXX stating that they had previously addressed a similar inquiry ( Case # XXXX ) and that any discrepancies with my credit report should be directed to the credit reporting agencies. XXXX also declined my request for compensation. 

I believe XXXX has not fulfilled its legal obligation to ensure accurate reporting and correct any errors in a timely manner. Given the potential violation of my rights as a consumer, I am seeking a thorough investigation into the discrepancies reported and a resolution to this matter.
Product: Checking or savings account

I opened 2 Chase accounts in 2019 of XXXX. I went to XXXX .for a health issue on my XXXX.I gave my key to a friend well he pretended to be one ) to water the plants he stoked my checks and my credit cards he charged {$50.00} since then I had 3 XXXX  been sick, chase refuses to clear this from my account or reimburse me ) I send them tickets and proof but they dont care they dont clean it from the reports ) I need ur help please this is not fair at all ) injustice in this country please help me to solve this issue they have caused me so much stress I even send them tickets proof of passports when flew ) they refuse to clean the!!! They harass me with letters all the time thanks