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

I contacted this company on XX/XX/2021 regarding an issue about something on my credit they have lied and stated they have no knowledge they can't respond when i am a customer and a consumer regarding this issue. They have 3 hard inquiries on my credit report since XX/XX/2021..XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX XXXX. I have not authorized my credit to be run by any of those companies what so ever. And so disappointed that i have to contact you'll daily in order to get a resolution. I had filed a identity. Complaint and was also told that if it is unauthorized this hard inquiries can be removed. And now they don't want to respond lying and saying im not the owner of the account when clearly my name is XXXX XXXX XXXX. They are just tired of the complaints that i have submitted which they wouldn't have to worry about this issue if they would just fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Product: Credit card or prepaid card

I have had 3 full years of clear and good credit history and am trying to increase and continue to build my credit score. ( which at this time my score ranges from XXXX with the 3 major credit bureas ) I was denied beacuse of my past credit history ( bankruptcy/over 3 years ago ) and with no regard to my recent 3 years of positive credit history. I believe BANK OF AMERICAXXXX XXXX card I applied for - I have been discriminated.
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  ( Original Creditor : 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

I have filed a dispute in regards to the incorrect items on my credit report, it has been well over XXXX days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, I received a notification of a data breach indicating that my personal information, including my Social Security number, credit card information, drivers license, and other sensitive data, was compromised. As a result, I have been a victim of identity theft, leading to the creation of multiple fraudulent accounts and unauthorized inquiries on my credit reports. 

Despite filing disputes with credit bureaus and creditors, these inaccuracies remain unresolved, causing significant harm to my credit profile and financial well-being. The scope of this fraud is too extensive to name every single account and inquiry, and I request a comprehensive removal of all accounts and inquiries associated with fraudulent activity. 

Accounts to Be Removed : 1. XXXX XXXX XXXX XXXX 2.XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4XXXXXX/XX/XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Missouri of XXXX XXXX 8 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
9. XXXX. XXXX and XXXX Unauthorized Inquiries to Be Removed : All
Product: Checking or savings account

I was the victim of an online marketplace scam on XX/XX/XXXX The scammer was posing as someone else that had references and they sent me a XXXX payment ( which I did not ask for or authorize ) and then proceeded to try to get me to send the money back via XXXX XXXX  ( the amount was XXXX ) and to get me to sent it back quickly he asked for only XXXX back I was unable to send it back via XXXX XXXX  and the scammer ( posing as someone else ) was escalating the situation saying they needed it back ASAP for a client and didn't want to look like they were delaying and they requested I just XXXX the money they sent me ( that I never asked for or requested for ) to their client I unknowingly obliged and the money was sent on XXXX Days later I tried to deposit a check into my checking account ( the same one that the XXXX payment was made from ) and that feature was not accessible ( even though I have used it numerous times in the past ) I called CHASE and they said to just go into a local branch and have them call to see what the deal was and why my account was acting like this When I arrived and spoke to the Relationship Banker in person I learned that my account had been frozen and the scammer had a claim against me saying I requested funds and then sent them away ( which I NEVER did ) and I had no clue my account was frozen because CHASE did NOT notify me ( which is problem # XXXX ) I explained to the banker what had happened and she made some calls for me to the claim department to learn more and that is when we learned that the claim had been filed against me and why my account was frozen and the claim would be held on until the filer dropped it by XX/XX/XXXX I took screenshots and documented the whole ordeal to prove I was scammed and I was the victim and we sent it in to a new claim that was created by the CHASE claims agent My claim was settled overnight and NO action was taken because you can't file a claim on a XXXX payment because they said it's just like a wire transfer ( which IRONICALLY was what the scammer did- file a claim based on a XXXX XXXX ) which have NEVER found the light of day The evidence I sent in wasn't even looked at as it proved my innocence in the whole ordeal The banker then submitted my evidence to another individual in the claims department but has yet to hear back from anyone there The CHASE Claims department wrongfully has frozen my account based on a bogus claim made by a scammer ( which I have proved ) and they have enacted to freeze my account based on a XXXX XXXX ( which they told me they can't do as they settled the claim I sent in after the fact ). 

The pictures I am uploading show the start of the convo with the scammer, how it escalated into them sending me a XXXX that I did not ask for, them asking for the money back, and telling me where to send the funds It also shows documentation of a text showing when the payment went through along with my online account showing my activity and me never having asked/requested any payment
Product: Checking or savings account

I was notified by mail on XXXX at my current address that an account with CitiBank had been opened in my name and they were contacting me to confirm the information. Around the same time, my parents received account information in my name to their home mailing address. I have never lived at that address and my parents did not create the account. My mom gave me the account number and I followed-up with Citi. The account had been closed as a result of them being unable to identify my recent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$420.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, I received a text message from phone number ( XXXX ) XXXX from Capital One stating my credit card was locked and instructing me I had to call that number for it to be unlocked. Unsure of the source of the text my husband and I, who are joint account holders on the account, jointly phoned the number on the back of the card for assistance. A representative stated the account was restricted and until they received identification from an account holder they could reveal no further information. They indicated we would receive an email within 7-10 minutes with a link to follow for further action. We never received the email so called back 30 minutes later and spoke with another representative who did send a link we used to submit a copy of photo identification. Hearing nothing for 24 hours we called back on XX/XX/2020, and provided a case number. At that time we were told that although they were in receipt of the photo identification the account was still restricted, they would try to let us know something within 7-10 days, and if we did not hear anything by then we should call back to see if anyone could share information about the reason for the restricted card. 
On XX/XX/2020 I received a phone call on my home phone from a man named XXXX with the Capital One regarding fraud and our restricted card. I identified myself as a joint account holder but he stated that he could not discuss the matter with me and needed to speak with my husband. I attempted to ascertain why I could not receive information about my account but he refused to provide an answer other than he needed to talk to my husband. I expressed my frustration that as joint owner of the account my expectation and legal rights permit access to the account but he insisted that he needed to speak to my husband. I took the information and before my spouse could call Capital One my cell phone range and it was XXXX looking for my husband. I advised he had reached me, an owner of the account, the same person who received the original message about the restricted account, and the woman he just spoke with. Again, he would not provide any information about my account stating he needed to speak with my husband. 
As an XXXX  I am aware of my rights as an account holder. To be denied access and told information can only be provided to my husband reeks of gender discrimination. I am disappointed and we will be closing all our accounts. 
Please review this conduct and advise Capital One we are no longer in the XX/XX/XXXX.  When joint owners are a married XXXX couple both owners have equal access to their joint account information. As a joint owner on the account I should not be denied access to account while the male joint owner is given access.
Product: Credit card or prepaid card

I ordered through Paypal on XX/XX/XXXX and never received headphones. On XX/XX/XXXX I contacted Paypal and have requested a refund. For the last month I have been given the run around and still have not gotten either the headphones nor my money back. First date the gave for resolution was XXXX then XX/XX/XXXX then XX/XX/XXXX. Now its up to XX/XX/XXXX. At this point all I want is money back so I may close my Paypal. This company takes your money but offers no relief for its members. They protect sellers not those who buy and would encourage all not to use Paypal.
Product: Debt collection

Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment.
Product: Credit reporting or other personal consumer reports

Went to cons originally on XX/XX/2023 to inquire about financing furniture at that time a fraudulent act was committed and an inquiry was put on my record that was not removed after speaking with corporate I was contacted and told they would like to resolve the issue as well as give me a discount if I wanted to continue buisness with them so on XX/XX/23 I went in made a purchase the total of the purchase was suppose to be {$2000.00} after discount the contract I received said {$2500.00} I called them immediately as the contract was received via email at this point all I received was an email saying they would credit my account {$100.00} that was XX/XX/XXXX the following day because I was done arguing my case I excepted and moved on which should have brought the loan to {$2.00} XXXX It still does not state that amount and the amount owed isn't correct either and on my credit. The amount from the ledger the online app and on my credit are all different I've made payments XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXXin the amount of XXXX totalling {$430.00}. XXXX and the account is saying my payoff amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim of Equifax 's security breach which was reported yesterday, along with 209,000 other Americans. This breach, and Equifax 's response, are unacceptable. They did not even notify potential victims until several months after the breach occurred, and I did n't even know that I was at risk since I had never used Equifax 's services before. Their handling of user data and negligent security practices have destroyed any confidence I had for them.
Product: Credit card

I applied for a balance transfer with desirable terms to my situation. I was not consulted with or given any options, Chase Bank decided it was their choice of terms, I was not notified or given the option to decline or accept. 
I contacted Chase Bank, they agreed to get their funds returned and ADJUST the fees and charges. 
I have asked the account be frozen or closed yet it still open and I was told I need to make the minimum payments ... Even thought!!! their funds were returned over two weeks ago. 
So now I am being charged interest on over XXXX ( the same money ) by XXXX banks. 
I have kept copies of all correspondence with Chase Bank and can verify thru XXXX XXXX that funds were returned. 
I would like your help to stop them before they affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to EXPERIAN, XXXX on XX/XX/2021 for Validation of the following collections account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and received a response with no proof that the debt which is a clear violation and against the law. They are reporting inaccurate information. Delete following account immediately for violating my FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I purchased a car from XXXX and XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

Capital One, Cap One NA, 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 or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TXXXX Account Number : XXXX {$210.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$890.00} XX/XX/XXXX
Product: Debt collection

I never had any account or agreement from CONSERVE also was never notified of any debt collection. CONSERVE also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts
Product: Credit card or prepaid card

On XX/XX/2019, I was fraudulently billed {$300.00} by XXXX XXXX. The agent charged this amount without my consent. A week later, I contacted the merchant who said they put their agents before their customers and would not refund the unauthorized charge. I contacted Citibank to help settle the dispute. I provided documentation and details on the incident to Citibank and was given a conditional credit. On XX/XX/XXXX, the credit was reversed and I was told to contact XXXX XXXX again. I contacted the merchant again, and was again told that no refund would be given despite the changes being fraudulent. I reopened another dispute with Citibank and simultaneously closed my credit card after receiving a conditional credit. Before closing my account, I spent 3 hours explaining to the account manager that I have been a loyal client for over 15 years and that I would be happy to continue doing business with Citibank if the issue could be resolved.

Two months later, despite the account already being closed, I received a bill for the {$300.00}. I immediately contacted Citibank again and informed them of my refusal to pay, and that I would be seeking legal action if the charges were sent to collection. My warning was completely disregarded and despite the account being close, more charges were added in subsequent months ( totaling {$240.00} in additional fees ) until the matter was sent on to the credit bureaus. I am now in the process of applying for a loan to purchase a house and am unable to do so because of this matter. 
I have spent an exorbitant amount of time and energy attempting to remedy a conundrum that rooted from a fraudulent charge. Additionally, I have suffered unwarranted financial hardship. Before seeking legal counsel, I am looking for an honest resolution for a good, long-standing customer.
Product: Checking or savings account

My Chase account was discharged the amount of {$8.00}, XXXX XXXX, notice is attached to complaint. An external funds transfer in amount of XXXX, which was not authorized by myself, did not clear, caused account to become overdrawn, amount of overdraft not available to me. It appears Chase did not wait for external transfer to clear before making amount available, an error on their end. A debit card refund from XXXX, amount of around {$400.00}, exact amount also not available to me, posted several months ago, believe this amount needs to be refunded back to me. I suspect Chsse will not admit to error pertaining to funds availability, in which case, I request CFPB look into this. Since account is discharged, I believe XXXX refund, which should have posed to account, should be refunded. back to me. Account number ends in XXXX to best of my recollection
Product: Debt collection

I made an statement to XXXX XXXX XXXX as a dispute. To report this account because I've been with XXXX XXXX XXXX for years under my son XXXX XXXX ( XXXX  XXXX XXXX member ) I never change to another company so I explain the matter and I have my bills and all the evidence about it. This account even if is under my name or social security number doesn't belong to me. I want to reported and get this out of my credit report and stop any form of contact to my personal email, text or phone calls since they been calling me everyday any hour and multiple times a day. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of unauthorized credit inquires on my credit report. I would like to have these inquires removed from my credit report.
Product: Mortgage

I have a mortgage with CIT/OneWest Bank. When I applied for the mortgage, they assured me that once the mortgage is in place they provide 24 hour web access to the account. However, within a few weeks of my having received the mortgage, online access was gone. When I try to login I get message " System Error. We 're sorry, but an unexpected system error has occurred. We are unable to process your request. '' This has been the case since XXXX or XXXX 2016. After what probably adds up to hours on hold and with their agents, they finally told me that the error was due to a " system upgrade ''. Since XXXX I have been repeatedly told the problem will be fixed soon. I have been promised a call back from a manager, which never came. When I call about it now they just tell me that it is a known error. There is no sign that this problem will ever be fixed.