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

A Paypal credit card from Synchrony Bank was fraudulently opened in my name. I learned of it when I had a note fromnthe post office that they had tried to send me a certified letter. I called them and found out a credit card was opened, maxed out and past due. I filed a fraudulent application claim, mailed back the fraud form they sent me and waited. I have just received in the mail 2 things, a letter stating they denied my claim and a new credit card. All the letter stated was that I had " benefitted from use of card/participated in the purchases ''. No other information or explanation. I never applied for or received this card.
Product: Credit reporting or other personal consumer reports

I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.
Product: Student loan

With Navient, I took out over {$100000.00} in private student loans and should have been able to bankrupt on them back in XXXX. Instead I was sent to collections and paid over $ XXXX for a school called XXXX  XXXX XXXX XXXX that ended up being shut down and all of the jobs I apply for, nobody recognizes this school 's XXXX designation. Now, I can not even contact anyone to get the diploma or transcrpit that shows I went there. THis is a horrible scam and after filing borrower defense for this as well, I should be paid back all of this money I paid in for this to make me whole. I have no way to prove I even went to this school. I need help with the Borrower defense for all of my loans and a way to actually log into my account. PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Midland Credit Managment Co on my credit. I have paid this collection despite it being not mine as the company promised to remove this account from my credit. This account is continuing to report on my credit despite being fraudulent.
Product: Checking or savings account

On X/XX/17, Wells Fargo wrongfully charged an overdraft fee in the amount of {$35.00}. Upon viewing my checking account 's balance just that morning, there were more than enough funds to cover the charge that they are claiming incurred this fee, which was {$61.00}, paid to XXXX. When I point this out to them, they blame me and refuse to correct their mistake. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed few inquires I don't recognize or authorized my information to be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.
Product: Checking or savings account

On XX/XX/XXXX someone tried to open up an account with Bank of America using my social security number. Along with an identity fraud XXXX, I reached out to Bank of America to make sure that all attempts to open accounts would be rejected. They confirmed with me that a flag would be placed on my account and no one would be able to open any accounts unless I received a notification in my Bank of America app. 

Despite this, on XX/XX/XXXX, Bank of America successfully allowed someone to open an account using my social security number and an address that was not mine. Theme for me that the flag to prevent anybody from opening accounts was not adequately placed because the past attempt was not a full open but just an attempt to open an account. 

My complaint is to escalate the fact that it is so simple, just simply using a person 's social security number and name to open a fraudulent account at Bank of America to an address that is not my address. This is an even bigger deal because I have active accounts at Bank of America and they should be well aware that this is not my address nor my phone number. 

Fortunately, the fraudster used a variation of my email address and I was alerted to the fraud but I shudder to think what would happen had it actually gone through and I didn't call Bank of America to shut down the fraudulent account.
Product: Debt collection

This account with USAA was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called XXXX acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

ONCE AGAIN. My credit is messed up because of your companies lack of care or sense of urgency. Why am i just now getting approved for the partial claim when i initially put in the request in XXXX. Your 'protections ' of my credit until XXXX was an absolute lie. now my credit shows that i am over 180 days past DUE after signing the partial claim and because of your lack of urgency when it comes to taking care of your customers who by the way did not choose y'all in the first place. FIX MY CREDIT. my credit has dropped over XXXX points today because of y'all and the lack of you trying to fix your issues. PLEASE FIX MY CREDIT. do you know how much financial strain and stress you put on me when y'all do this??? THIS IS UNACCEPTABLE and FRAUDULENT AND INACCURATE INFORMATION. FIX MY CREDIT. I DID EVERYTHING i was supposed to do regarding the partial claim I DID NOT SLACK, i followed up ACCORDINGLY and no one ever had an update y'all are CRUEL. I pray there is not a time where i fall into another financial hardship and have to deal with the stress of people not doing their job. FIX MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

XX/XX/year> I received a call from who I thought was SOFI customer service his name was XXXX he told me there was fraudulent activity on my account. The number that appeared on my phone was XXXX and it said SOFI on my caller ID. He asked me to verify the last 4 digits on my account he already had them and stated my last 4 and asked me if it was correct. He then asked me if I made a {$700.00} purchase in Florida. I told him no so he said he would start a fraud investigation he gave me a claim number of XXXX He then sent me a text message that needed my SOFI password. I did not know it and went and asked my daughter if she knew it, I told her what was going on and she googled the phone number and found out that it was a scam. She hung up the phone and told me to call SOFI and report this. I called told them what happened and they filed an account take over and froze my account! I spoke to XXXX in the fraud department and as told it could take a few days and I would get a text or phone call soon. She appreciated all the information I would have to open a new account they would transfer my money to a new account and I would have access to my funds in a couple of days. The next morning I got a call from SOFI and again they told me they appreciated the information and someone would call me and setup a new account. I got another call approximately XXXX from customer support to set up a new account, by this time I had decided to go to a bank with a physical location and told customer service I did not want to open a new account I wanted to close all my accounts and receive a check for my funds. They said they would note the account. I have called them everyday since they froze my accounts and half the time they hang up on me. They will not transfer me to the fraud dept. They have not sent a letter telling me what is going on. They wont tell me when to expect my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF ID THEFT!
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with Money lion in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX XXXX  " car loan '' in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX  ( XXXX ) Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XXXX XXXX XXXX someone opened a account with XXXX XXXX XXXX XXXX Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on date im not sure of the date someone opened a account with XXXX ( credit card ) in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not.
Product: Debt collection

Transworld apparently purchased an account from XXXX or took over an account from XXXX  for which I had an open dispute, they have reported it to credit reporting agencies negatively impacting my credit score and ability to rent in the future after a phone call with them on or about XX/XX/XXXX. I use XXXX XXXX and I received an alert from XXXX XXXX today ( XX/XX/XXXX ) that this report showed up on my credit. ( See my previous complaint again XXXX  and XXXX  XXXX  XXXX. XXXX  XXXX  was originally charging me over {$2600.00} in false charges for which they provided pictures of alleged damages. I sent in the attached letter of dispute and never heard back from anyone until Transworld initially contacted me back in XXXX. They said XXXX  XXXX  " investigated '' my dispute ( the dispute was against XXXX  XXXX  ) and that they removed all charges except {$390.00} which is for blinds and damaged doors. Their own pictures ( see previous dispute ) show the blinds and there is NO damage to the blinds. They also allege damages to doors for which they have no pictures of and I find it interesting they removed all other charges except for things they have no evidence of. I don't feel I should have to spend money hiring a lawyer when I have already proven that XXXX  XXXX   has lied and by their own admission by removing all the previous charges except for ones they have no evidence of. I explained all of this to Transworld when they called me and told them I was disputing the charges. After my phone conversation with them on or about XX/XX/XXXX, they mailed me a copy of my lease renewal in XXXX and itemized statement for the blinds and damaged doors. Again : XXXX  XXXX XXXX own pictures show the blinds and there is no damage and there are no pictures of damaged doors. The pictures XXXX  XXXX provided were of walls that weren't wiped down and dirty outside door/wall and tape on the ceiling from birthday balloons and dirty window seals, for which my deposit covered their cleanup charge of {$250.00}.
Product: Checking or savings account

between XX/XX/2024 and XX/XX/2024 Seven account transfers of {$850.00} were made from my checking account to another account. The approximate total, equalling {$6000.00}, was transferred out to another account. 

I have no record of wire transfers in my account and my personal account is my sole account, it is not associated with any other accounts. Chase will not provide me with the account information that my money was transferred to and Chase has denied my claim of fraud, stating that these were " Authorized Transactions ''
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries- Request for Removal Dear CFPB, I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit reports. These inquiries were not authorized by me and need to be removed from my credit files promptly. Below is a detailed list of the unauthorized inquiries by credit bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax : XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I respectfully request that the CFPB assist in investigating these inquiries and work with the respective credit bureaus to ensure these unauthorized hard inquiries are removed from my credit reports. These inquiries negatively impacted my credit score and were not initiated by me or with my consent. 

Please let me know if any additional documentation or information is required to resolve this matter. 

Thank you for your time and assistance. 

Sincerely,
Product: Credit card or prepaid card

My Bank of America Business Debit Card XXXX XXXX XXXX XXXX XXXX XXXX - account ending in XXXX ) has charges for purchases from XXXX that I reported as FRAUD. Some one made several charges to my card totaling {$1600.00} as follows : XX/XX/XXXX {$360.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$380.00} I reported this fraud to XXXX as well as some of the items were sent to my house.??? 
I insisted that XXXX send UPS to pick up these items that I did not order. After weeks of correspondence with XXXX, they finally sent UPS to get the fraudulently ordered items. 
Initially, Bank of America told me that I would not be responsible for fraudulent items charged to my card so they issued temporary credits which B.O.A has now reversed and taken the money from my account leaving me once again with over draft fees and a negative balance. I just put money ( that I need to use for my bills ) in that B.O.A account to bring it current. To make matters worse, Bank of America said they would take even MORE money from me on XX/XX/2018. They need to stop stealing my money! I have spoken to several fraud investigators at Bank Of America regarding this ... .hours and hours on the phone. One of the investigators even told me : " I've been doing this a long time and if it was fraud the items wouldn't have not been sent to your house. Really? If he knew every move criminals and thieves make why did bank of America let the the thieves make charges to my account then? He implied that I was lying and myself or some one I know did in fact order from XXXX. I then asked him to look at the history of my account and tell me when I ever ordered from XXXX. He agreed he didn't see where I had. In essence, Bank Of America is denying my claim and stealing my money because they said those charges fit my pattern and XXXX said it wasn't fraud because the card and address was linked to me. I insist it was and is FRAUD and I want ALL of my money back from XXXX and Bank Of America. I've been a loyal customer of B.O.A. before they were Bank of America. I am disgusted at this unfair discriminatory treatment I am receiving from Bank Of America. They should have never allowed these charges to go thorough it the first place because clearly ordering from XXXX for 4 days is NOT my shopping pattern. Shame on you Bank of America for your unfair, unjust and discriminatory treatment to me! 
XXXX XXXX XXXX & XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Do not recognize these credit inquiries and you have asked for them to be removed and the bureau did not do as you asked. I am providing and identity theft report, I am requesting them to be removed because they are in accurate and not yours please removed my credit report XXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

I HAVE BEEN NOTICING MULTIPLE INQUIRES FROM THE SAME COMPANIES APPEARING ON MY CREDIT REPORTS, COMPANIES THAT I ALREADY HAVE CREDIT CARDS WITH AND MOST OFFFER CREDIT CARD INCREASES WITH A SOFT PULL. I HAVE FILED AN IDENTITY THEFT REPORT BECAUSE I BELIEVE SOME ONE HAS MY INFORMATION. I HAVE REACED OUT TO ALL THREE CONSUMER AGENCIES WITH LNO LUCK ON GETTING THESE FRAUDULENT INQUIRES OFF, WAS TOLD THAT IT WAS NOTHING THEY COULD DO. THESE INQUIRES FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALREADY HAVE XXXX XXXX  AND XXXX XXXX  WHY WOULD I APPLY FOR THEM AGAIN I SHOULD HAVE XXXX OF EACH NOT XXXX OR XXXX, BUT THE REPRESENTATIVE SAID SHE CANT DO ANYTHING EVEN AFTER I TOLD HER THESE INQUIRES WERE FRAUDULENT AND I HAVE MAILED IN MY DOCUMENTATION. THIS WAS XX/XX/2023 AT XXXX XXXX  WHEN I CALLED ALL XXXX, MAJOR CREDIT AGENCIES. I HAVE BEEN TRYING TO FIND A APARTMENT BUT I KEEP GETTING DENIED BECAUSE OF ALL THE FRAUDULENT INQUIRES, I WILL BE HOMELESS IN 30 DAYS IF I DONT FIND A PLACE
Product: Credit reporting, credit repair services, 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 - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 
Since they have gone past the 30 day mark and can'nt verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Checking or savings account

On XXXX at around XXXX  I attempted to use an ATM but the ATMS ar four different locations were out of order. I ran into customers who also could not access funds. Sometimes the ATM said my card was invalid, other times it said out of order. I attemped to use my card at the grocery store and it was denied. I was not able to buy dinner with my credit card either. 
I called US Bank and they insisted there was no outage and nothing they could do. I see on XXXX there was huge outage starting on XX/XX/XXXX but US Bank won't acknowledge it is ongoing or tell us when it will be fixed. I have not been able to access my account for several days now. I'm concerned my autopayments and rent won't be processed either.