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

Unauthorized Inquires on my credit report XXXX XXXX XXXX Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX, XXXX ( Bank ) XXXX XXXX, XXXX  XXXX ( Finance ) XX/XX/2022 2022
Product: Money transfer, virtual currency, or money service

XXXX XXXX is reporting the allegedly he didnt receive the money transferred to him via zelle. XXXX $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received two text messages from Bank of America ( XXXX texted me ) that asked me to verify these two transactions. I get these text from Bank of America all the time, as I have had fraudulent activity in the past, so this is standard for them to text me to verify. 

Bank Of America : Did You Attempt A XXXX Payment For The Amount Of {$4900.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS Bank Of America XXXX Did You Attempt A XXXX Payment For The Amount Of {$4500.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS I replied NO and received a phone call right away, per usual, from Bank of America ( XXXX ) called me, which I verified to be the Bank of America customer service number , while speaking to this person. The person representing Bank of America then asked if I was trying to send money to some person. I did not know the name and explained that I did not know this person and I do not verify these transactions. They went on to explain that the money was already on its way to the other persons XXXX XXXX account and that I would have to create an account in order to get the money back. They walked me through a few steps, when I then hesitated to say this doesnt feel right and the person hangs up on me. I have screenshots showing that it looks like I am sending the money back to myself via XXXX at XXXX. When I called Bank of America customer service ( XXXX ) to make the complaint that now I indeed just had fraudulent activity and I am out {$6400.00}, the BoA rep went on to explain that this is spoofing, ha, it happens all the time. You got spoofed. I said, Im sorry, what does that mean and why are you laughing? The rep says spoofing happens ALL the time, its when someone pretends to be a trusted source by using the trusted sources actual phone number. This is what happened here and because it was through XXXX, we are not able to do anything at all or help in any way. We can try to put in the request but Im not sure we will be able to get your money back. The rep was laughing while telling me this. They were not able to get the money back and Im shocked as this is obviously FDIC. Please help!
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX XXXX XXXX  credit reports via XXXX XXXX, & I noticed an unauthorized hard inquiry by Capital One on each of my credit reports, I never authorized this hard inquiry, these inquiries were made on XXXX XXXX XXXX
Product: Mortgage

We began the process with BB & T of a construction to permanent loan. After demonstrating we had sufficient income, credit, and down payment, we were extremely disappointed in the due-care and professionalism of our mortgage contact at BB & T. Our appraisal, although told by BB & T would take about 2 weeks to get back, took over a month and a half. The first XXXX versions of the appraisal were based on the wrong set of architectural plans and the next XXXX versions contained XXXX of XXXX houses in different school districts and XXXX of XXXX houses that were over 20 years old compared to our new construction. Our mortgage contact at BB & T was unresponsive, did not return emails, did not return phone calls, and acted in a manner that lacked professionalism. His response to my frustration with the entire process was simply to state, " duly noted. '' We have expended considerable time and energy to at this point and were extremely frustrated that we had to fire BB & T even though we met all of their pre-approval requirements and could just not get adequate professional service.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXXThis is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX, This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXXXXXX XXXX XXXX. This Account does not belong to me. Public Record US BKPT CT TX XXXX XXXX I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. 
INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX  XXXX XX/XX/2020 and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XXXX XXXX # XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, TX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

The card was blocked right after activation. I have provided my state driver 's license - front and back, a valid scan of my social security card, a boarding agreement at my residential address, a recent court document showing my address, and scanned the letter that Capital One sent to me and they still refuse to unblock the card.
Product: Credit reporting or other personal consumer reports

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On or around XX/XX/2021, I made a {$7500.00} bill payment from my Schwab bank account to a XXXX XXXX credit card account. I made the payment in error as the credit card that I was paying had been closed. 

Since this time, I have spent numerous hours on the phone with customer service representatives who have been unable to find resolution. On multiple occasions, we have been advised that an investigation has been initiated and that we should call back in 14 or 30 days. 

The Barclay Bank representatives follow a script and in nearly every instance they advise that they are having system issue and request that we call back. We have called Barclay Bank dozens of times- this is no exaggeration, as phone records would illustrate. I have attached the proof of payment below and yet this remains unresolved. 

Further adding to this issue is the fact that XXXX XXXX  outsources all bill payment activities to a third party, thereby reducing their accountability for helping to drive resolution. 

Today is XXXX XX/XX/2021, and this situation remains unresolved. I am fully prepared to hire an attorney at this point. 

Thank you for your consideration of this matter.
Product: Credit card or prepaid card

In the fall of 2021 I received an offer about XXXX American Express cards with a very high bonus award. I applied for and received the card and met the spending criteria but have not received the bonus awards. 
When I called to check on it, I was told I was ineligible for the bonus because of past cards. I do not recall any information being provided to me indicating that I was ineligible to receive this award. 
I believe it's misleading advertising for the company to send a solicitation to a customer who is ineligible for the bonus. I would never have applied for this card except for the bonus offer because I have another great card with 2 % cash back. Between the annual fee of {$95.00} and the forgone cash back, I am out hundreds of dollars because I used the American Express Card -- not to mention the value of the award. 
I spent an hour and a half on the phone trying to understand this and get some type of relief but got nothing but " I'm very sorry but we can not help you. '' The representative did say that these awards are " Once in a lifetime '' which further underscores the fraudulent nature of sending solicitations to an ineligible individual.
Product: Mortgage

My husband XXXX XXXX and myself ( XXXX XXXX ) tried to purchase a XXXX home at the property address of : XXXX XXXX XXXX XXXX, TX XXXX through the sales person XXXX XXXX of XXXX XXXX  ( Phone Number : ( XXXX ) XXXX ) ) using our XXXX  Approval Letter from XXXX XXXX at XXXX XXXX. However, the sales person XXXX refuses to put us under contract for the home because he states we are using an outside lender and his corporate office will not accept our approved letter. This is illegal as they can not deny us for simply using a lender that is not one of their preferred lenders.
Product: Credit card

Company reported a late payment to my account under This law 15 U.S. Code 1666b is a law that governs the timing of payments for credit card accounts. It also covers the length of billing periods and the effect of late delivery of statements. 
There should be no late payments on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at Transunion, XXXX XXXX XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy reporting on my Transunion, XXXX, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Complaint about U.S. Bank, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX/XXXX  XXXX, XXXX N.W. XXXX XXXX, XXXX, FL XXXX Dates : XXXX XXXX and XXXX XXXX, 2017 ; two charges of {$32.00} vs. one charge of $ XXXX {$59.00}. A vendor arbitrarily changed the billing protocol without notifying me ; this resulted in my monthly premium being raised to the vendor 's advantage. There was no notice given to me and I only found out when I received my credit card statement. I called the vendor and in the ensuing " chat '' was told that this was the way they were going to proceed henceforward and I had no recourse. It appeared from the " chat '' that XXXX had only recently taken over billing for XXXX XXXX. I asked for the matter to be forwarded to a supervisor and that I be contacted by email since I had already been on the phone for an elongated period of time ; I was told that I would be transferred to " the first available agent '' ( not a supervisor ) but that they had no email capability and that I would have to comply with their dictates. I tried to dispute the matter with US Bank but they refused to take the dispute and told me that the most they would consider would be to modify one payment so that the aggregate amounts would equal the correct total. As with the involved vendor, I was told that I had no recourse except to accept their directive ; to reiterate, US Bank refused to take the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Transunion, and XXXX on three different occasions XX/XX/2020, XX/XX/2020, and XX/XX/2020 about fraudulent accounts and inaccurate personal information that is present on my credit profile also due to fraud, I also called in Transunion and spoke with the supervisor XXXX XXXX, ref # for the call is XXXX XXXX XXXX, I also spoke with XXXX same reference number I was told inaccurate info would be removed ( addresses, names, inquiries ). Those items are yet to be removed. I also sent proof from FTC report with dispute letters. It is evident they are breaking the law seeing that they haven't responded in over 90 days. These are the tacking numbers for each certified dispute that was sent out XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These are the fraudulent accounts and inaccurate info requested be removed XXXX XXXX XXXX account # XXXX, XXXX XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Please review this info and check with these bureau to see why they haven't removed these accounts or even responded to me within the legal time frame. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, 15 US C 1681a ( 2 ) ( B ) right of exclusions and the latter was truth and lending act, They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

During the year of 2017 I was XXXX  to XXXX XXXX XXXXXXXX XXXX XXXX. I was having XXXX  and they transferred me to XXXX XXXX XXXX XXXX. I had insurance through XXXX and it was paid in full. I was unaware of any lingering debt amount and was not aware of any collection proceedings until I acquired my credit report. I would like to put my debt under financial hardship and will need full support due to being unemployed and would like for my debt to be cleared and settled with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion hasnt deleted hard inquiries off my TransUnion report yet. Eleven inquiries should be deleted as of the XXXX of XXXX. Transunion is not reporting information correctly. They are to slow to do anything. My credit score is never accurate. Im so tired of having to correct information they are required to report accurately.