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

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}
Product: Money transfer, virtual currency, or money service

This is not a duplicate complaint. In XX/XX/XXXX, i filed a complaint with cfpb ( Complaint # XXXX ) regarding my unsuccessful attempts to get PayPal to close my XXXX husband 's account and send me a check for the balance left in the account ( {$690.00} ). PayPal did respond to that complaint with a letter and a check. The check was made out to XXXX XXXX and the bank refuses to cash a check made out to a XXXX person. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX, Operations Counsel, he noted PayPal had received my letter of XX/XX/XXXX,  requesting closure of the account and a check for the balance. He stated PayPal never received documents required to close the account. He seems to have missed the paragraphs in my letter in which I wrote of my repeated unsuccessful attempts to forward the documents by the FAX number given, and request for assistance in getting the documents to PayPal. 

In XX/XX/XXXX and XX/XX/XXXX, I made repeated attempts to reach XXXX XXXX. I left messages on his phone ( XXXX ) and his cell ( XXXX ) asking for assistance in getting a check issued in my name. I go no response. I wrote a letter on XX/XX/XXXX. Again -- -no response. See attachments.
Product: Credit reporting or other personal consumer reports

delete hard inquiries XXXX XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRIES en XXXX : XXXX XXXX REPORTING XXXX XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX. XXXX XXXX inquiries en TransUnion : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 .S. 81 ser hase i. States have the right to privacy. 
XXXX a XXXX XXXX XXXX XXXX stales a consumer reporting agency can not 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any comator sintinguiny if the person knows or has reasonable cause to believe that the Delete the accounts below :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with pentagon and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police report
Product: Debt collection

On the day of XXXX/XXXX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XXXX XXXX XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XXXX XXXX XXXX my employer came up to me and asked if I re cashed a check from XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XXXX/XXXX/XXXX was re cashed on XXXX/XXXX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XXXX XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXXf XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  these accounts have 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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}
Product: Checking or savings account

This complaint is regarding dispute under ID # XXXX I sent Moneylion official written confirmation of the dispute via email on the same day with an email screenshot from the merchant confirming my transactions were cancelled, but they charged my card anyway. I need Moneylion to provide a temporary credit in my checking account within 10 business days as required by Regulation E, or as soon as possible since I wasnt expecting this money to be out of my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I mailed over to TransUnion a request to investigate late payments they are currently reporting on my credit report for 2 different accounts. I've provided receipts and transaction history that proves I was never late on any payments. 

Each time that I received an update from TransUnion, it would just update the months they are claiming I was late on the account. Basically moving late payments around from month to month. For example it would go from XXXX being late and XXXX being current to XXXX being late and XXXX current. It would be a constant back and forth with moving dates around which is inaccurate. 

I would also receive stall tactics from TransUnion, one advising that my address couldn't be updated to later receiving mail at my current address that I was attempting to update. 

When requesting to verify the information they've received from the creditor, I wouldn't receive any documentation other than it's been verified but my receipts are showing something completely different. 

I've sent in proof twice already and nothing has been updated/corrected.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiry. 

XXXX, XXXX. - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.
Product: Debt collection

I've previously submitted a complaint to CFPB on XX/XX/18 about these alleged debts from Midwest Recovery Systems. Per their response, I would receive verification of these debts via mail. I haven't received absolutely anything from Midwest Recovery Systems regarding these alleged debts. I've requested verification of said debt accounts however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for these alleged debts. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.I demand that these accounts be removed from all three ( 3 ) reporting credit agencies please.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent 
accounts and inquiries from my credit report. I recently became a victim of a data breach, 
resulting in unauthorized accounts being opened in my name. According to 15 U.S.C.  1681c2(a) and the Fair Credit Reporting Act (FCRA)  605(b), I am entitled to have these fraudulent 
items removed.
Please find below the details of the unauthorized accounts and inquiries:
Fraudulent Accounts
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I attempted to make two ATM withdrawals using my Chime account : one for {$100.00} ( totaling {$100.00} with ATM fees ) and another for {$80.00} ( totaling {$82.00} with ATM fees ). Both transactions were denied by the ATM machine, and I received printed receipts confirming that no cash was dispensed.

I immediately contacted Chime customer service to report the issue. I was advised that the pending charges would likely reverse automatically since the withdrawals were unsuccessful. However, the charges were later approved and deducted from my account, despite the fact that I never received any cash.I provided Chime with evidence, including the ATM receipts, which clearly show the date, time, and location of the attempted withdrawals. The receipts confirm that the transactions were denied, matching the bank records for the dates and times in question. Despite this, Chime denied my dispute. 
I also contacted XXXX, the ATM network operator, and they informed me that any issues related to the dispute need to be resolved directly by Chime. This leaves me with no other recourse but to escalate my complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from my credit card company, Discover, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that my credit limit had been reduced to {$2500.00}. The reason stated was possibly the " number of recent inquiries as reported by an agency '' " bureau reports past or present delinquency '' and " number of revolving accts as reported by the agency. '' I made an immediate phone call to Discover and reminded the representative that I make all my payments in advance and always much more than the minimum. I own no other cards. I was instructed by Discover to contact a credit bureau known as XXXX. A representative from XXXX stated " charges pending '' on at least two accts XXXX XXXX XXXXXXXX and XXXX XXXX. I do not have any association with those companies, much less a card. The only credit card I have is a Discover card that I have always been in good standing with. I believe some Identity fraud has taken place. My credit report has been damaged because of fraudulent association with companies I have no association with. Thanks for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Notice of Civil Liability for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern.

I am writing to formally address a matter of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds entities civilly liable for failure to comply with the Act due to negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / filed with It has come to my attention that Experian failed to ensure the accuracy of my credit report, and did not properly investigate my disputes. 
This failure constitutes negligent noncompliance and has resulted in damages, including but not limited to [ list damages, e.g., financial harm, credit score impact, emotional distress, lost opportunities ]. 
Under 15 U.S.C. 1681o, an entity that negligently violates the FCRA is liable for : Actual damages sustained as a result of the violation.

Attorneys ' fees and costs in successful legal actions. 
To resolve this matter amicably, I request that you correct the inaccurate information within 30 days, provide a written statement of compliance, compensate for damages. Failure to comply may result in further legal action, including a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or a lawsuit to recover damages as permitted under federal law. 
Please respond to this notice in writing within 30 days of receipt. If you require any additional information to facilitate a resolution, do not hesitate to contact me at the details provided above. 
I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Product: Checking or savings account

Bank of America claims to reimburse for fraud and yet someone was able to make an account at XXXX XXXXXXXX XXXX in my name, then wire XXXX $ from my checking account at Bank of America to that account at XXXX XXXXXXXX XXXX without even my authorization. They have access to my accounts. All of this done while i wasnt even in the country! So theres no way i could have done it. I reported the fraud immediately on monday XX/XX/XXXX, and today XX/XX/XXXX i called them to see the status of my claim and the representative said they already resolved it and sent me an email yesterday XX/XX/XXXX. They took less than 48 hours to investigate a fraud of nearly XXXX $??? And came to the conclusion that i had initiated it through my laptop? I was HOME ALONE WITH MY LAPTOP OFF THE WHOLE DAY. I dont believe they did proper investigation at all and just dont want to reimburse me that amount. The first representative said that the FBI was going to investigate, i dont think anyone did any thorough investigation. Also theres no way they could even know which laptop executed the wire. Also when i check the status of my claim on their app it says i dont have any claims in the last 120 days! So they didnt even file my claim! You can see all of my transactions for the last half a year are in XXXX, im not even in the XXXX right now. I have thousands of followers on XXXX and i am gathering information to share on my social media and im sure i will have hundreds of retweets, the worst fraud of all has been from this bank lying that they would reimburse fraud cases. Theres many holes in their investigation of my case.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

some time on and around XXXX 2017 an inquiry show up on my credit report. the company is XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX iL XXXX I have notify Equifax and XXXX. XXXX contact the company and they remove but no not Equifax. I never apply for credit and I contact then and they told me that they do not take for customer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX in accordance wit the fair credit reporting act XXXX  accounts number XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

Wells Fargo refuses to close acct, always coming up with another excuse then tries to ding me for overdrafts from subscription services the ex wife has and has not closed.
Product: Credit card or prepaid card

In XXXX, Home Depot offered me a Store Credit Card with a $ 50-100 reward upon initial purchase of $ XXXX within first 90 days of obtaining credit card ( XXXX ), I purchased various items totaling in amount of {$330.00} within two weeks of receiving the credit card. And I paid an amount of {$280.00} immediately as I received the first bill of {$330.00}. This amount was simply calculated the total Balance of {$330.00} minus the {$50.00} initial offered reward. Later in XXXX, I received another bill in Amount of outstanding balance for {$79.00}, which was stated being the remaining {$50.00} as an outstanding balance plus late fee charges. I called the Home Depot Customer service Dept & the matter I was told was taken care of and the mistakes corrected. Later I received Another Bill, this time for {$120.00} stating the initial {$50.00} balance plus repeated late fees mounting to {$120.00}. I called the Home depot Customer service again & the matter was again, ( I was told ) was taken care of. I asked for confirmation number. She told me simply her name to be used as confirmation code ( GUDRUM ) Later I called the CitiBank ( The bank behind the Home Depot Store Credit Card ) They clearly stated that the Store needs to correct the mistake & they can not be helpful to my case. During this two month, I have been writing emails to the customer Service Dept. at Home Depot ( Four Times ) AND YET TO RECEIVE A RESPONSE TO MY INWUIRY. 
I went to the store as I was told to do so by the Citibank Customer service Dept in the Store in XXXX, IL. They were on the phone with the customer service dept for an extended amount of time with no resolution. The Home Dept appears to be simply unable to correct their mistakes.
Product: Debt collection

I have asked Medical Data Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Student loan

MOHELA is now the servicer of my federal student loans. The MOHELA website had transitioned to a different platform and my previous login information is no longer valid and I am locked out of logging in to pay my bill. There is no option for IT or customer service chat or emails and the only recourse is calling in to MOHELA and needing to wait for XXXX hours. My loans are about to fall into default because of their incompetence.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I Pulled my credit report and I see inquires I do not recognize.