23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In case XXXX I asked for my credit card statements and the branch manager finally gave them to me, but I need to report the unauthorized transactions as fraud. When I call Bank of America, they ask for the phone number on the account in order to authenticate my account. but the phone number belongs to the lady that stole and used my credit card. This was the only option they gave me to authenticate my account over the phone. I went into a branch where the Branch Manager knows me and although he released my bank statements, he stated he couldn't initiate a fraud case unless I provided two forms of ID. I advised him the suspect that stole my credit card also stole all of my ID and there is a criminal case against her. Earlier this month I ordered my ID and social security card but never received it. I notified our mail carrier and the mail carrier stated that a lady named XXXX XXXX XXXX ( she is a resident here and our suspect ) advised her that she was going to be taken care of me and that I was going to be living with her and told her to divert all of my mail to her place. All not true. I filed a complaint with the postal inspector.
Product: Checking or savings account

I notified Bank of America in XXXXXXXX XXXX XXXXXXXX that a checking account was opened fraudulently in my name. I was told it would take 60-90 business days to close the account. It is now XX/XX/XXXX and the account is still not closed. This is an unacceptable timeline and Bank of America should be ashamed of how they have treated me. Not only am I a victim of identity theft but I have also been victimized by Bank of America holding my account hostage. It should have been closed in a timely manner and they have failed. This should not be allowed to occur without some sort of penalty assessed to Bank of America. Shame on them.
Product: Credit card

I closed my account and the company sent me an email and check stating that the account was closed. However, the company is still reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent. 
There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported. 
Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXX XXXXXXXX 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 Dept of Ed? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delete the following collections and charge offs setf XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX account that was closed and now it has been reported on my credit report twice. 

My son XXXX XXXX XXXX, was born on XX/XX/XXXX, He works for the XXXX   XXXX and is XXXX  years of age. This account was closed out in XX/XX/XXXX when my son turned XXXX years of age. My credit reports ( all 3 bureaus ) reflected the following data on the file. There was a previous account that was closed and transferred, and stated closed, current in good standing and no late payments. The new account was opened in XX/XX/XXXX ( 9 years 6 months ), monthly payment each month {$0.00}, current payment status ( XXXX   late 's ) This account was closed out when my son turned XXXX years of age and it can be viewed in past credit reports. Now I have two accounts that were previous closed reopened and re-aged ( which is illegal per ( FCRA ) and the accounts showing double reporting ( which is illegal and against the ( FCRA ) As I only have XXXX  child. The information reported on the account from original account that was closed and transferred, is now different from the original filing on my report. 

It is showing opened on XX/XX/XXXX ( 17 years and 9 months ) Monthly payment {$780.00}, last payment XX/XX/XXXX, payment status as CURRENT AND wrost payment status NO INFO. But then it shows late 's from XX/XX/XXXX through XX/XX/XXXX. My son was XXXX years old in XX/XX/XXXX and is now XXXX years old in XX/XX/XXXX. The was no child support, because he was and is a adult.. It shows that the account was closed on XX/XX/XXXX. This account was closed years before the 2nd account was open in XX/XX/XXXX. It is well past the 7 year time frame and is in violation of the FCRA, due to re-aging, double reporting, inaccurate information, in all areas of the account and must be deleted and not reported again, based on The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

This error, has caused a major hardship on me personally and financially and I would like these intentional violation of the law corrected, in a timely fashion. Equifax is the only bureau, that has allowed and been a party to this gross, violation and disrespect for the law. The other agencies have operated with honor and professionalism, in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and Experian. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Product: Credit card

I have had an American Express ( AMEX ) credit card since 1979 and have been happy with the service until my recent change to a new AMEX card that offered 'no interest for 15 months on balance transfers '. I was not told during my telephone application for this card that there is a THREE PERCENT CHARGE ON BALANCE TRANSFERS. XXXX notwithstanding, I believe that it was deceptive to offer me a " no interest '' balance transfer and fail to mention the three percent service charge.
Product: Debt collection

This is connected to previous complaint submitted on XXXX XXXX, 2015, case # : XXXX. In the previous complaint, I stated XXXX XXXX claims that I owe him money on a debt. I do not owe him any money. After he was contacted XXXX, he sent me a letter stating he was attempting to make a collection on behalf of XXXX XXXX XXXX in XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX around XXXX XXXX, 2015 and inquired about any debt I may have owed them. XXXX XXXX XXXX performed what they called a " thorough check '' and did not find any thing that indicated that I owed them money ; that there was NOTHING NEGATIVE AT ALL on my account/record with the credit union. I was told by XXXX XXXX XXXX that they could only conclude that I was being scamed, as they had no connection with anyone named Dyke O'Neal. 

If this is true, why is this man contacting me? He is sending mail to me suggesting that he is willing to settle for a lesser amount to collect the debt in an effort to assist me. I have no intention of giving this man any money and would like to have assistance in getting him to leave me and my family alone. As I stated in the previous complaint, he has been calling my family members as well. 

Additionally, since I made the initial complaint, I have been gettig even more calls with a XXXX area code from Missouri. I get these calls all hours of the night and the day and they are coming over my cell phone which also has a XXXX area code from Missouri. I do not believe this is a coincidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries appearing on my credit report
Product: Credit reporting or other personal consumer reports

There is a XXXX  XXXX credit card showing on my credit report as of today XX/XX/year> and wasnt reported by XXXX  XXXX as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. XXXX lied and stated that XXXX XXXX reported it to my bureau when investigated they had not. So XXXX made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$68.00} ; 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: Mortgage

We paid off the loan on XX/XX/2024. According to Roundpoint Mortgage, they have XXXX business days to return the remaining escrow balance on the account. In our case, that is {$5900.00}. I contacted Roundpoint Mortgage on the following dates to confirm the check was coming, and even gave them our new current mailing address as we had moved from the home the loan was on. Dates I contacted them, are XX/XX/2024, XX/XX/2024, XX/XX/2024 ( and spoke with XXXX separate agents as their stories were all different ) so I asked that a supervisor call me back. I was told that would happen within XXXX hours. No call ever came! I called again on XX/XX/2024 and an agent read the notes on our file, and agreed to stop payment on the first check ( which I am told was issued on XX/XX/2024 ) and a NEW check would be reissued within XXXX business days. 
Here we are today on XX/XX/2024 and spoke to today 's agent who answered. She stated the stop payment has been made, and the new check has not been issued yet???!!! It's " still being processed. '' XXXX business days later. 
This is OUR money that needs to be returned within the permitted timeline. OUR daily interest is stolen by this company, not to mention having the funds available to LIVE ON.
Product: Debt collection

National Credit Systems Inc is reporting a incorrect collection to my XXXX credit report. I contacted both bureau and collection to confirm this wasn't my account. They investigated and reported it as verified but wouldn't furnish any of the requested documents to verify that validity of this account. When I contacted the agency, they couldn't divulge any info about the account due to my personal info not being what they have in their system. This is wrong and it is also a crime and they need to remove this item from my credit immediately. Ive never lived at this address or been to this address nor has this address ever been on my credit. This is not my account.
Product: Checking or savings account

Can you please tell me if Im apart of this Wells Fargo might owe you money following {$3.00} XXXX settlement settlement as I was a formal customer back then. At the time my last name was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows on experian. I sent in proof to other credit reporting companies as well and the debt was removed from all but experian. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on experian. XXXX XXXX did not respond.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my Experian report for almost 4 weeks now. I can not reach anyone over the telephone, and was told this was because i am a customer of their free service. I have used to contact and explain my frustration with Experians horrendous services. Those actions have led to email correspondence which has been useless, too. The online system is unable to verify my information. Attempting to upload my documents for verification is a dead end. The phone self-service has been a waste of time. I have been trying to access my credit report because I was denied credit in the last 30 days. Now, I am being denied a credit report even though this right is federally granted to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a three credit hard inquiries on my equifax credit reports, all are fraud activity. I already submitted the FTC identity documents to Equifax and they never remove the fraudulent information from my credit reports. I Already contacted to Equifax several times and they are still not doing anything and ignores me .Please help me to remove the all fraudulent credit hard inquiries from my Equifax credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, Equifax, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a number of inquiries on my credit file inwhich i do not recognize nor did I authorize. I'm demanding that these fraudulent so called statement of facts unknown inquiries be removed from my credit file immediately.
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person and there was no disclosure to make sure it was the right person
Product: Credit card

XXXX/XXXX/16 - My Macy 's credit card account was used to make a {$78.00} purchase at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX . I had not lost my card ; I had never activated it and it was sitting in my cupboard. 
XXXX/XXXX/16 - I called Macy 's customer service line and ended up in a phone tree. Wanting to stop charges from accruing on my account, I chose the option for lost or stolen card. When I selected the " cancel my account '' option, I finally got a human on the line. She sounded XXXX and did not grasp that this was a fraudulent use of my account until I pointed that out to her. She said she would get the charges removed from my account and would also cancel it, as I requested. 
XXXX/XXXX/16 - Arrived home after a week-long trip to find another bill from Macy 's for {$100.00}, consisting of the original {$78.00} plus {$29.00} in late fees/interest. 
XXXX/XXXX/16 - Wrote a letter to Macy 's explaining the problem. 
XXXX/XXXX/16 - Began receiving recorded calls from Macy 's to pay my credit card balance. Called back and was connected with their Fraud Dept. Explained the situation again and found out that I should have been sent a fraud claim form to complete in order to notify them of fraud. 
XXXX/XXXX/16 - Received the fraud claim form ; completed it and mailed it back on XXXX/XXXX/16. 
XXXX/XXXX/16 - Received a third bill from Macy 's for {$140.00}, consisting of the original {$78.00}, plus {$68.00} in late fees. 
XXXX/XXXX/16 - Received a letter from Macy 's acknowledging my fraud claim and saying that they had accordingly reduced my Minimum Payment Due to {$68.00}, due XXXX/XXXX/16, stating " This adjustment reflects the portion of the balance that is not being disputed. '' Why should I pay Macy 's anything? I did not use my credit card, and I reported it as soon as I saw the fraudulent charge. If Macy 's chooses to outsource their Customer Service Line to an XXXX XXXX where the employees do not recognize fraud or know the procedure for handling it, I should not have to pay any late fees which result from their bad decisions or incompetence. 

I am asking your help in getting these charges removed from my account and also in closing the account.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a credit line with XX/XX/XXXX I was XXXX at the time and didnt know how to handle having a credit line I closed and payed the balance in full in XXXX the account has been closed but I just want the negative marks off as Im trying to buy my first car the vehicle Im currently in the transmission has gone out I have been building my credit for the past 5 years or so and finally have a decent enough credit to get a new car but this charge off and derogatory marks is stopping me from that I live in XXXX XX/XX/XXXXXXXX average temperature is XXXX out here right now Im walking everywhere have money saved but cant do anything to better my situation because of this when I called noble they told me they wont do anything and that I have to wait I was almost in tears begging for forgiveness for them to tell me no I feel I am human and made a mistake and I have more than learned Ive been denied many times and havent had a problem but XXXX XXXX XXXX XXXX now a decade after that decision of getting my first credit line Ive learned my lesson on finances and Ive been building myself I would really like to catch a break in life just this once please if you can help me get rid of this please Im begging at this point Im a little too old to be walking everywhere when I can afford a new car
Product: Money transfer, virtual currency, or money service

I sent {$1000.00} via Zelle associated with XXXX for a car deposit. 
To XXXX XXXX ( XXXX ) XXXX This was a scam. 
On XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner. Thank you.
Product: Credit reporting or other personal consumer reports

There are several unauthorized inquiries showing on my credit report. XXXX is inaccurately reporting unauthorized inquiries from XXXX on XX/XX/2024, XXXX XXXX on XX/XX/2024, and XXXX XXXX XXXX on XX/XX/2024. Transunion is inaccurately reporting an unauthorized inquiry from XXXX on XX/XX/2024. These are all unauthorized, and need to be removed as they are negatively impacting my credit. I have called the Credit Reporting Agencies already, as well as submitted an FTC Report. The FTC Report only allows for XXXX inquiries individually listed, and their website provides the instruction to list any additional unauthorized inquiries in the personal statement section, which I did for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that was closed out in 2018, however, it still remains in an open status on my credit report. The account is a home equity loan that was closed when we sold our home in XXXX of 2018. We contacted the bank to ask why the account is still open on our credit report, and they said that the account is completely closed on their side, so it is a recording error on the side of XXXX and XXXX and Trans Union credit reporting.