23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX checking account holders XXXX XXXX and XXXX XXXX. The fraud was committed with XXXX XXXX ' debit card. 

Debit card fraudulent purchases totaling {$5800.00} : XX/XX/XXXX - XXXX XXXX online purchase with an in-store pick-up for {$3200.00} XX/XX/XXXX - XXXX XXXX online purchase with an in-store pick-up for {$2600.00} On XX/XX/XXXX, Wells Fargo sent an email notifying of a denied purchase for XXXX for {$3200.00}. This email was not read until after the fraud was discovered. 
The wrong billing address was used on the purchase, and I do not know why they eventually approved it on XX/XX/XXXX. 

No notification was received from Wells Fargo for the XXXX XXXX purchase on XX/XX/XXXX for {$2600.00} XXXX XXXX participated in a university choir performance during the fraud and was on the XXXX campus for rehearsals and performances. There are numerous witnesses that XXXX XXXX was not in XXXX, California, where the XXXX XXXX merchandise pick-up occurred, and that she was in XXXX, California, during the fraud. 

XX/XX/XXXX Wells Fargo was notified of the fraud. 
XX/XX/XXXX Wells Fargo denied the fraud claim # XXXX. 

Numerous phone calls were placed to ask why it was denied when the wrong billing address was used, and Wells Fargo did not send any text alerts. 

XX/XX/XXXX, I requested that the case be re-opened and escalated and sent the police report. The new claim number is XXXX. 

XX/XX/XXXX Wells Fargo denied the claim. 
XX/XX/XXXX I asked that the claim be re-opened still questioning on what basics they approved the claim. 

XX/XX/XXXX Wells Fargo denied the claim stating that the consumer authorized the transaction, or no error occurred. Wells Fargo refused me to speak to anyone in the fraud department. Would not tell me how the " the consumer authorized the transactions '' and would not answer my question why the purchases were approved with the wrong billing address.
Product: Credit card or prepaid card

For the last few weeks, I have been receiving DAILY calls from XXXX XXXX XXXX. Today, I received 9 calls from this number. I have set up my payments already in the app, so I am not sure why I am being incessantly called.
Product: Credit reporting or other personal consumer reports

Hello, I noticed some issue and fraud on my credit profile that I do not recognize. These accounts are cc, and other things I am not sure of. Here are the remaining of the hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX here are the fraudulent accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraud accounts ae reporting on my XXXX report. I want all these account are removed from all XXXX credit bureaus. and all collections related to be gone to my rights within FCRA and FDCPA laws, 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 fraudulent items. I have attached a copy of FTC Identity Theft Criminal Complaint 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and pnc bank all are reporting I have opened accounts with them on XXXX which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in XX/XX/2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase with XXXX for a transaction of XXXX and I got charged for two amounts- one with XXXX and the other for XXXX. I didn't recognize the XXXX dollars so I reached out the credit card company, Capital One, to report this, and they categorized this as a fraud. However, a document generated on XX/XX/22 states that I or someone else benefited from the charge, so the charge was put back on the account for my responsibility.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I disputed XXXX accounts containing incomplete & inaccurate information on my credit report. Those accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all XXXX CRA via mail asking them to stop reporting inaccurate/incomplete information and income on my credit file. 

All XXXX accounts are " Charged off as bad debt '' and consists of incorrect information regarding date opened, date of last activity, past due amounts, and/or account status. 

Pursauant to U.S.C. 1681 of the FCRA, not only is this affecting my credit worthiness and standing by the inaccurate/incomplete information reported, its also impairing the U.S. banking system. Under the IRS Publication XXXX these above accounts are consider " Gross Income. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT. ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX/XXXX XXXX, 3 ) XXXX XXXX/XXXX XXXX, 4 ) XXXX XXXX  XXXX. I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 )
Product: Checking or savings account

Account was force closed due to to many claims not being approved they told me first that I will need to wait for the account to fully close and I should get a check with my remaining funds within 7-10 business days. I called back and told them I want my funds transferred to another bank that I can not wait I need to support my kids they told me they can not do that and now it will be up to 90 days before I get my money I have spoken to several different people and I keep several different answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made all of my payments on time. I also have the right to privacy. A consumer agency can not furnish an account without my written instructions. I wish for my payment history on my account to be changed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : 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: Checking or savings account

I completed all requirements for the opening bonus but have not received it. The terms stated that I had to maintain a {$5000.00} balance for my first three statements and complete 20 debit card transactions. The debit card requirements were completed on XXXX and XX/XX/XXXX and show up on the statement as Debit Card Purchase. On XX/XX/XXXX at XXXX, a customer service representative XXXX verified that my daily balance requirement was completed as the wording was ambiguous and since the account was opened at the end of a billing period, my opening deposit was deposited on the fourth day.
Product: Debt collection

I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year>
Product: Checking or savings account

On XX/XX/year> my debit card was stolen around XXXXXXXX XXXX. in XXXX and a few hours later at around XXXXXXXX XXXX. someone withdrew {$600.00} from my bank account at a Chase ATM located at XXXX XXXX XXXX ( I also bank with Chase ) with 2 separate transactions one for {$500.00} and {$100.00}. 
I received a text alert immediately asking if these transactions were valid and I immediately declined them, however they were still able to withdraw the funds. 
I contacted Chase immediately and the opened a case where I submitted my location at the time, and proof that i declined the charges and other support. However they still found me liable for the unauthorized charges. 
I am unsure how the person ( s ) withdrew funds without by PIN, or how it was stolen from me, but I did not authorize any withdrawals. 
I asked them to show footage from the ATM to clearly see it was not me, however they declined to do so, even though it was their own companies ATM at a Chase branch with surveillance.
Product: Debt collection

Harrasing phone calls concerning a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

TransUnion has violated my consumer rights by providing my non public financial information to non affiliated third parties. In pursuant to 15 U.S Code 6802 " Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Each of the following items on my consumer report is a violation of my consumer rights. 
Promotional Inquiry XXXX XXXX XXXX  requested on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. 

Promotional Inquiry XXXX - XXXX requested on XX/XX/2023, XX/XX/2023. 

Promotional Inquiry XXXX XXXX requested on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. 

Promotional Inquiry XXXX requested on XX/XX/2023. 

Promotional Inquiry -XXXX XXXX requested on XX/XX/2023. 
Furthermore TransUnion violation of my consumer rights has caused me to be harassed by the third party non affiliates. I take my right seriously and am holding TransUnion accountable for violating my rights. I will give TransUnion the option to privately settle this matter privately by sending a itemized invoice [ {$1000.00} per violation ].
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a mortgage loan with XXXX XXXX of XXXX   XXXX & XXXX  and I was told I would need a few more points or a higher credit score to get approved and I was referred to someone described as a credit repair attorney named XXXX XXXX. Turns out, he is not a real attorney. Heres the info ; XXXX XXXX Senior Credit Analyst XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Office Direct : ( XXXX ) XXXX-XXXX Cell/Text : ( XXXX ) XXXX-XXXX Fax : ( XXXX ) XXXX-XXXX  www.whitejacobs.com/XXXX-XXXX He said his service would cost {$1600.00} and I would see results within three months. He said I can pay {$200.00} per month until I get my tax refund and he expected a payoff after I get my refund. In XXXX, I received a mail package from XXXX XXXX University and it included a written letter disputing the tuition debt I owed them. My signature had been forged on the letter by the credit repair company. I had never seen the letter and no one had asked my permission to sign it. The letter was completely inaccurate and basically accusing the school of fraud, but I did attend that college and I do owe them money. XXXX XXXX had no rights to lie on my behalf. My score dropped 37 points while in their program. It dropped from XXXX to XXXX. I have emails proving I sent them correspondence as they requested. I did my part and they did nothing, but lie. 
On XX/XX/XXXX I cancelled the service by email but XXXX XXXX said I still have to pay {$1000.00} due to the contract. I told him to stop using my debit cards and cease and desist use of my ssn and all personal info immediately. He ignored me, stopped working on my credit and still charged my account. The charge finished processing today. Heres is my email to him. 

XX/XX/XXXX Dear XXXX XXXX ; Please cancel my credit repair service. Thank you for your efforts, but I do not want to continue. Please stop the auto pay and cancel the contract. Also, please stop sending out letters and forging my signature. I no longer want your services. Cease and desist all actions on my credit today. Delete my personal account numbers from your files. 

Thanks! 
SS - In summary, I want my money back and I want this company to stop signing my signature and using my social security number and name immediately!
Product: Debt collection

this account is reporting under different names but same account they have not been able to verify this debt but reporting to credit bureaus that is right
Product: Credit reporting or other personal consumer reports

Despite repeated efforts to have this issue addressed, the incorrect information remains on my credit history, causing undue harm to my creditworthiness and financial standing. I have made multiple requests to have this issue resolved, yet the inaccurate information persists in XXXX and XXXX Credit Bureaus. I have enclosed copies of my previous dispute letters for your reference. I kindly request that you conduct a thorough investigation into this matter and take immediate action to correct my credit report by removing this inaccurate late open account. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and up-to-date credit information, and the persistence of this inaccuracy is a violation of my rights. I expect a written response from your bureau within 30 days of receiving this letter, in accordance with the FCRA. Please help me correct this account immediately : XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

Wilber Group told me that they have filed a claim with the XXXX to have my XXXX XXXX until I prove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first person I spoke to lied about the definition of the term XXXX, telling me that it is a fancy term for XXXX XXXX. Then refused to let me speak as I tried to inform her of her blatant misinformation.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2024, I received the following error message from payments.google.com : Your profile is under review. 
Your profile is under review. Your service is still active but some transactions may be limited. Please respond to any request for information. 

When I selected Learn More, I was redirected to support.google.com where I received the following prompt : Verify your account We were unable to verify some information in your Google Account, so we have temporarily suspended your account. Until we verify your account information and reactivate your account, you may be unable to buy things from Google or use some Google products. 

To reactivate your account, please provide the information and documents listed below. It's important that the " Email '' field contain the email address of the account that has been suspended. 

You'll need : A government-issued ID. 
A document, such as a bank statement or utility bill, showing your name and address.
Product: Credit reporting or other personal consumer reports

USPS Priority Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax currently has 5 unauthorized inquires reporting on my Equifax credit report. I have no existing accounts with these companies that are reporting inquires on my credit report and I did not initiate these inquires. 

These inquires arose from IDENTITY THEFT on my consumer report and Equifax failed to verify as required by law on my consumer report. Equifax has a history of inaccurate reporting for my Consumer Credit Report. Equifax also has a history of ignoring my identity theft letters regarding unauthorized inquiries. In the past, Equifax has failed to report my current address correctly, and even stated my father 's name, XXXX XXXX, and other names such as XXXX XXXX as my own personal name in the past. I address all this in my Identity Theft Letter and Change of Address Letter. See XXXX County Sheriff Police Report ID : XXXX XXXX I AM A VICTIM OF IDENTITY THEFT. XXXX & XXXX have deleted alleged unauthorized inquires from my credit reports throughout the year XXXX. 

Equifax is suppose to operate in Uniform with its fellow credit reporting agencies. Secondly, Companies are using my copyright name for unauthorized commercial gain. All supporting documents are attached. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

as an independent contractor working as a field engineer, my consumer credit profile is very important to me. I have completed 2 XXXX remodels contracts in XXXX, and worked the the XXXX XXXX XXXX in XXXX FL with XXXX engineers and XXXX XXXX XXXX IT Services staff. Small Business financing is very important for me to secure more long term contracts for the future. inaccurate reporting by Equifax is hindering my small business operations. I also have a XXXX  brother that was hazed by the XXXX XXXX  XXXX on XX/XX/XXXX. XXXX XXXX, my only sibling. It is national news, XXXX " XXXX police XXXX XXXX  ". I am keeping count of the economic and monetary damages Equifax is causing me, my small business, and my family. I will submit an affidavit of truth and invoice Equifax for my monetary damages if this is not resolved shortly. 

Unauthorized Equifax Inquires : EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX N/A XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FIFTH THIRD BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with FIFTH THIRD BANK. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with FIFTH THIRD BANK for review or collection.
Product: Credit card

On XXXX XXXX XXXX I closed my account with First progress. However they were accusing me of paying late and charging unnecessary fees. CFPB was able to help me resolve the situation. They said they would refund the fees and interest and refund me my full deposit for the card. However its been more almost 30 days and I have not received my deposit. They also still charged me fees even though in their letter to me they said they would refund me and give me my full deposit.
Product: Mortgage

I paid off my mortgage due to sale of house. I chose the Forbearance option for 1 month. A forbearance notice is negatively affecting my credit score. When I contacted mortgage bank, I was told that all that could be done is a written letter mailed to a PO Box to REQUEST that the Forebearance be removed.
Product: Credit reporting or other personal consumer reports

Transunion stated the account XXXX XXXX was verified as accurate but provided no evidence how did you verify this? The consumer agencies must provide a reason investigation into all my claims. They provided no proof that they did an investigation how did you verify this information provide it to be I have a right to know examine it! The other two consumer agencies are not reporting this account so how is Transunion even allowed too. Furthermore I did not sign up for your service in your arbitration agreement you state if a consumer states our service cause harm I may sue and this is notice I will.