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

Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( XXXX, XXXX, and TransUnion ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was involved in a data breech and all my information has been compromised and is incorrect tampered with and messed all up
Product: Debt collection

I bought a car in XXXX. Lobel Financial is the institution that provided funding. This account has been closed for around 2 years but continue to increase the overall total debt. I was notified that I had a new account opened on my credit report through XXXX. As I looked in to the notification my debt increased from the current car that I have which is {$19000.00} to {$44000.00}. Under total accounts, the number was still the same, but, Lobel Financial is now in an open status. When this happened, my credit score dropped XXXX points. Ive been fighting this institution for months. They keep changing information on my credit report that is not accurate. It seems intentional.
Product: Vehicle loan or lease

I did a pre-qualification for a car loan and was advised to send in my banking statements. I sent in XXXX, XXXX and XXXX to capital. I received an email to call in regarding my application and was advised I could not used my XXXX XXXX  banking statement. They stated I can not used this information although it is coming from XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX went to Costco with my husband who has a Costco Citi Visa in his name. He attempted to use the Citi Visa but it was declined. 
XX/XX/XXXX returned home to verify that Costco XX/XX/XXXX. bill of {$540.00} had been sent electronically by our bank through bill pay service. Check had cleared. Further, the XX/XX/XXXX. bill due in early XX/XX/XXXX was in process of being paid the precise same manner. Noted that I had paid bill pay and the check paying Citi Visa showed my name ( I have a different last name than husband ) but same address and credit card number was on the bill pay check to Citi Visa. 
XX/XX/XXXX My husband and I called Citi. We explained that we had the cleared check and they told us to send the cleared check to an incorrect PO box in S.D. 
XX/XX/XXXX I mailed the cleared check with an explanation to Citi. 
XX/XX/XXXX My mailed check to Citi was returned with message saying incorrect address XX/XX/XXXX I called Citi and they provided the correct address. For a second time, I mailed check to Citi to the correct address XX/XX/XXXX My husband received a letter ( dated XX/XX/XXXX ) from Citi Visa sayng they had recieved my check, they were holding the money {$540.00}, and asking which account it should be credited to.Also, he was incurring a late penalty. 
XX/XX/XXXX My husband and I again called Citi to explain that check bearing my name, was sent by our bank and intended for my husband 's account. We explained that I have a different last name as my husband but we live at the same address. Again, the bank check had my husband 's card account number on it. The bank said they were holding our money but could not credit my husband 's account unless we sent the form mailed to us. Citi refused to refund the late fee. The XX/XX/XXXX form says we may call Citi directly to explain.On the XX/XX/XXXX phone call, Citi Visa said they were recording our call. My husband said that he would record the call as well ( legal in VA ). Citi said they would hang up if we recorded the call. We did not record as we wanted this issue settled. 
XX/XX/XXXX Mailed the form letter back to Citi again. 
As of XX/XX/XXXX, have not heard from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on the date of XX/XX/2018 Bank of America put a hard inquiry on my XXXX  credit report. I am not aware of this, I tried calling but would just be put on hold for a long period of time.
Product: Debt collection

I receive a free XXXX  phone. when I changed companies they told me that the phone is not free anymore because I changed companies. the reason I changed companies is because my bill was getting to expensive. They said I couldn't return the phone but I never got anymore information. I thought this was cleared up. now I am receiving this big bill amount. I am on Social Security so if you work with me on payments I could try to pay.
Product: Credit card or prepaid card

Superior court of California County o XXXX XXXX case # XXXX  XXXX Stated That Based in testimonies of both parties Bank Of Amrica visa Credit Car ending in XXXX which belongs to XXXX XXXX and my name XXXX XXXX was later Added, Was used post separation, Superior Court find out that the debt then in the amount of {$21000.00} ( Now even higher for interest charge ) belongs to my ex-wife and I am not to be responsible for the said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : Transunion XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX opened up a fraudulent account in my name. My information was used and i didn't realize this.
Product: Credit reporting

I see that there is XXXX credit # XXXX appearing in my credit report which I do n't own. I contacted XXXX today ( @ XXXX XXXX XXXX ) and they say since the account is already closed they cant help .Since XXXX 2016 ( when I first checked my credit report ) I have been contacting XXXX and they never responded properly. In XXXX I contacted them and they asked me to mail the dispute to address XXXX, XXXX XXXX, SD - XXXX and it may take some time to respond .I did so. But in reality till now I never got any response from them. I contacted Transunion twice ( recent dispute raised on XXXX/XXXX/2016 ) and their investigation is still reporting the same details. Since I do n't own this card, I want the details about this card not to appear in my credit report and restore my credit score to a good score. Please help me with justice. My credit score is getting hit with this fraud.
Product: Debt collection

This company called Credit Central keeps calling me. I am not the person or persons they are looking for and I have advised them of that but they keep calling me. I do not know if this company is legitimate or not, but I have never done business with them and want them to stop calling me.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i called the number on the websit e 3 separ ate time it put me on a line with someone who does n't even sp eak English. H ow can the major credit unoions have customer reps that dont speak very good english and the fisrt thing they ask for is your social security number to start. thanks
Product: Mortgage

Bank of America has not complied with or conducted pre-foreclosure outreach requirements. 
Before recording the NOD, servicer must provide the borrower with a written statement outlining documents borrower may request per CC XXXX ( XXXX ) ( XXXX ) ( XXXX ), contact borrower by phone or in person to explore foreclosure alternatives and to offer a subsequent meeting, which must occur within 14 days of meeting request per CC XXXX ( XXXX ) ( XXXX ). If above contact is unsuccessful then servicer must send a first class letter, attempt telephone contact on 3 different days and times, and finally send a certified letter with return receipt requested, giving HUD counseling information per CC XXXX ( XXXX ). 
Bank of America never provided me with a document as indicated above. While XXXX sent a letter to me prior to the recording of the defective and deficient NOD recorded XXXX XXXX, XXXX, XXXX was not the substituted trustee at that time making any contact by XXXX moot as it predates the XXXX XXXX, XXXX Substitution of Trustee signed by Bank of America Assistant Vice President XXXX XXXX XXXX. XXXX had no right, as a matter of law, to initiate the foreclosure process prior to the recording of the Substitution of Trustee. Equally important, I had no knowledge that XXXX acted with authority or as beneficiary trustee prior to receipt of a XXXX XXXX XXXX Recorders Office certified recorded copy of the XXXX XXXX, XXXX Substitution of Trustee naming XXXX as the beneficiary trustee which I have not received to date. Who the XXXX is XXXX to me prior to being notified? For all I knew XXXX was XXXX of those scam debt collectors since Bank of America already decided to park and stall the MHA HAMP TPP process and had placed a Cease and Desist tag and code on the home loan mortgage account back in XXXX XXXX. 
According to Bank of America letter of XXXX XXXX, XXXX, Bank of America only attempted to contact me twice. This attempted contact was via telephone from a telephone line that gives no indication that the caller is Bank of America ( the caller ID is blocked ). If Bank of America wants to claim pre-foreclosure requirements have been met, then start with identifying yourself as Bank of America beforehand when you call. Otherwise, how is one to know the bank is attempting to make contact?
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$1000.00} reported XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit card

I submitted a dispute for {$80.00} for a product that wasn't delivered over the summer. The bank decided against me, but when I asked for the evidence file, none of the evidence I had submitted to them via email ( they sent an email asking for the evidence ) was in it or considered. I asked to have the dispute appealed, resubmitted the evidence along with affidavits from witnesses, and again the dispute was decided against me. I request the evidence file and once again, NONE of the evidence I submitted was considered or even included in the file.
Product: Bank account or service

I opened an account with Capital One 360. They took my money ( via ACH ) from my other accounts. My mobile app said that the funds were not available for withdrawal. I gave it a few more business days and then called them to find out why the funds were frozen ( I could not access them ). When I called them, they said that they reviewed my account and said that they did n't want to do business with me - although I passed all XXXX and did everything they asked. If they did n't want to do business with me, why would they open an account, take my funds, then wait to close it and freeze my funds where they were not available to me? I 've escalated and am still awaiting a return call. I passed all incremental XXXX and am not sure why they are keeping my funds. Additionally, I directed some of my payroll to this account since it was set up and they mailed me a debit card in the mail. I never imagined that they would open the account, mail me a card, etc. and then close the account and freeze my funds. As well, when I called to get help, the agent said they could not help me, that I needed to speak with another department and it took WELL over an hour just to get someone to answer the call ... and that person then said we do n't want to do business with me ... even though they took my money and mailed me a card
Product: Credit reporting or other personal consumer reports

I have several inquiries that I did not authorize. These inquiries are due to Identity theft.
Product: Debt collection

I am XXXX XXXX, I was incarcerated from XX/XX/XXXX, through XX/XX/XXXX. During this time XXXX XXXX was assigned as my POA. My credit cards were stolen from her possession. The Cards were reported stolen, and reissued, but time and again the card was intercepted and taken. In order to preserve my credit, my POA paid minimum payments until my release from prison. I found out that multiple cards were opened in my name. Police reports were made. The person that stole my identity and credit has been arrested, charged, and waiting sentencing. She has been indicted. There are approx 30 felony charges against the person. My POA sent copy of police report, copy of proof of the person charged and arrested. Yet TD Bank REFUSES to acknowledge the theft, and REFUSES to remove the fraud charges and refund all money paid to them. The are destroying my credit. All other Banks have finally refunded and removed are charges. I am asking the Banking department to assist in getting TD Bank to acknowledge the theft and remove all charges, restore my credit and refund money that was paid to keep the account current until I was free to fight this action myself. The Prosecutors office has already made clear that this card is part of the criminal action against the person responsible. 
Please feel free to contact me. 
The Prosecutor file number : XXXX in XXXX XXXX Victim Witness Advocate is XXXX XXXX XXXX. Because XXXX XXXX is my POA the Prosecutor acknowledged the theft and therefore prosecuted. 
Complaint Actions Requesting to have TD Card Services REMOVE all Charges, RESTORE my credit, and REFUND all payments made on fraudulent charges. All other card accounts from XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, etc. have refunded
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information onto my consumer report. My only name is XXXX XXXX. No other name or spellings should be listed on my report. My address is XXXX XXXX XXXX, XXXX, CA XXXX this should be the only address report. Under federal law the credit bureaus are responsible for damages caused my inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Product: Credit card

Situation : Opened a dispute with Chase regarding partial transaction of service missed from XXXX XXXX. Chase rebilled partial charge credit back to my account on XXXX XXXX claiming merchant will not offer refund to Chase because they claim I did not miss out on any of the transaction, which is untrue. Story below. 
We missed our XXXX flight on XXXX XXXX due to the airlines could not locate our seats, they told us we had not paid the merchant, because the merchant had not issued us seats. I spent 4 hours that morning on the phone getting our original ticket numbers and once the airlines looked it up, they said there was a system connectivity issue. They said they notified the merchant after XXXX XXXX multiple times to issue us new seats because XXXX and XXXX had merged, but XXXX XXXX never issued new tickets. XXXX blamed the airlines saying they did issue new tickets, but that the airlines had not re-issued us new seats. In the meantime, we did go to the XXXX Gate because the flight info had updated, but we could not see behind the scenes that we had no seat assigned due to system failure. Neither the airlines nor the merchant would accept responsibility, and kept blaming XXXX another. We missed the first full 24 hours of our all-inclusive vacation at our resort due to this issue, and I had to pay for a hotel for our layover in NC that evening, and all extra food expenses, which were a result of missing our flight. As a consumer, I did n't receive the full product of my purchase and I am asking for a partial credit in return for missing part of my vacation, along with additional incurred expenses. I should be protected by my credit card company to help make this right. I knew going into this dispute that XXXX XXXX would not take ownership for the " system mishap '' as neither did the airlines. This is why I turned to Chase to help give me a partial refund due to missing part of my vacation and having to pay for food and hotel in North Carolina. Chase decided they would not help me for this transaction. They were negligent in their part to protect me and offer the credit for the portion of service I did not receive by the merchant.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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