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

On XX/XX/XXXX and XX/XX/XXXX I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost XXXX days and I have not received a response. I understand that XXXX has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Product: Credit card or prepaid card

This company stated the accounts with them were charged off. They also sold these account to debt collectors and so they were indeed paid for the account. Debt collectors are now telling me I owe them for a debt. I need the balance to reflect as it should be which is XXXX. This company also did not provide me with my copy of the 1099c for their financial cancellation of this debt. If they did then that would be clear evidence that this is no longer owed. Its improper to state I owe something that they received payment for whether it be by government or myself. I need full accounting records showing they were never paid by the government which is obligated to pay for all public debts and if indeed they were then I do not owe them anything. If they can not provide that then this account should be removed.
Product: Mortgage

I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.
Product: Credit card or prepaid card

On XX/XX/2019, my husband and I attempted to book a flight from XXXX XXXX to New York on the AMEX Travel website. We received an error message indicating that the flight we attempted to book may or may not have been confirmed and that we should call AMEX Travel to confirm the status of our attempted booking. We subsequently did just that and called AMEX Travel to address the matter and were informed that our first attempt to book our desired travel did not go through. The AMEX agent on the phone then tried to book our desired flight and stated that it did not go through on her end as well. She advised that we try the next day on our own on the website. 
On XX/XX/2019, we were finally able to book a flight, though it was different from the one we initially desired and at a higher cost. On XX/XX/2019, I checked my statement and to my surprise, I saw charges for one of the attempted travel bookings on XX/XX/2019 that the agent informed us hadnt been confirmed. We never received an email confirmation for this travel. Had we received one, we wouldnt have booked travel on XX/XX/2019. There were two charges that posted for XX/XX/2019, each {$300.00} ( charge # 1 reference : XXXX, charge # 2 reference : XXXX ). 
Upon seeing these charges, I called American Express to walk them through the above and resolve the matter. I waited three hours on the phone with them and was informed that a case was logged and I would see resolution to my issue within the week. Further, I was told not to worry about paying for these charges. I hadnt heard from them all week and called on XX/XX/2019 to follow up on my concern. In my follow up call, I learned that the case is still ongoing. 
Even though I was told to not worry about these charges, I was levied a {$35.00} late fee charge on XX/XX/2019 ( reference ID : XXXX ) and an {$11.00} interest fee on XX/XX/2019 ( reference ID : XXXX ). 
The total sum I am disputing with them is thus {$640.00} ( {$300.00} + {$300.00} + {$35.00} + {$11.00} ). I really would like this resolved quickly and have been waiting very long to see a resolution to the mistake made by American Express. They are making me pay for their mistake and Im spending the time to follow up on it, which isnt very fair.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX  # XXXX BALANCE {$5300.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX BALANCE {$3700.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX BALANCE {$2400.00} -DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion you are furnishing inaccurate and incorrect information to the consumer report. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
Product: Checking or savings account

I do not have exact records of these things as I never thought I would be compensated for wrongful actions and practices committed against me by wells fargo. To my memory I had a business checking account with wells fargo around XXXX. I was incorrectly charged almost XXXX dollars in overdraft fees and was bullied into thinking this was normal and paying them. Shortly after paying the remainder of my " fees '' I closed my account as to not be stolen from any longer. The entire ordeal was awful and they fought me on every single thing I tried to do. I would like as much of that as I can possibly get back. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I attempted to apply for an auto loan on XXXX XXXX, 2016. Capital One Auto Finance failed to call and verify my personal information before running a credit report. I have asked in writing to remove the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
Product: Credit reporting or other personal consumer reports

On my credit report there is an incorrect phone number and that phone number is XXXX
Product: Debt collection

I was a victim of identify theft and don't know anything about these accounts.
Product: Checking or savings account

Around late XXXX XX/XX/2020 I tried logging into my Chase mobile banking app but it prompted me to call a phone number. I called the phone number and told them that I could not log on to my account. The person told me that my account was suspended ; I asked why but she told me it was the banks decision. She never disclosed the reason to why the bank made that decision. I found this odd because I never received a notification about the suspension since I was using the card perfectly fine the day before. She did tell me that I would eventually receive a check to my old address, my moms place. I also received an email from Chase that I had a message in my online banking account, but because my account was already closed, I could not log on to view the message. About a month or two later I called again to ask and they said my account was under investigation due to suspicious activity, which I had no clue as to why or how. I also received a new debit card of the same checking account from Chase but it did not work due to the fact that account was suspended. They told me that Id receive it in 10 business days. Then, about a month and a half later I called and they said the check was being sent, but I still did not receive a check anytime. So I called them another time just to ask them to change the delivery address to my current address because maybe there was a chance that it was sent, but someone at my old house had misplace it or something. The person also disclosed the amount that Im suppose to receive on the check. Now I called again, XX/XX/2020 and I finally got the reason to why the bank closed my account and its because of 2 suspicious deposits in XX/XX/2020. But Im confused because they told me the account was suspended before that date. The fact that company failed to notify me beforehand that my account had suspicious activity and just closed my account like that with my funds doesnt sit right with me. And this Chase checking account is the first bank account Ive ever opened since Im new to adulthood and I feel very wronged that this happened without any notices or anything. The suspicious activity that I could think of is the fact that I filed for student unemployment due to COVID-19, thus I was deposited money weekly to my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) where there must be appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report or other reporting document such as CFPB OR FTC PR reporting complaint with agency ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

That you the Equifax XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX, the XXXX XXXX XXXX XXXX located at XXXX. XXXX XXXX, XXXX, IL XXXX, and XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX block information appearing on my consumer credit report that is the result of identity Theft and Fraud ; as well as the XXXX XXXX Data Breach that took place in XXXX from an employee illegally accessing corporate records and customer financials information. I want this information removed within 4 business days within you receiving this complaint. 

This Fraudulent, inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX ending in XXXX opened XX/XX/XXXX ; an online banking account ending in XXXX opened XX/XX/XXXX at XXXX XXXX and another personal credit card at XXXX XXXX Bank account ending in XXXX opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquires as well as difficult times accessing my own credit opportunities due to fraudulent collections appearing on my consumer FICO credit report I have attached the credit report and the fraudulent accounts opened and closed however when I went to screen shot the report I was greeted with a message from the company which I also included not sure whats going on with that. 

I do not recognize the aforementioned accounts, collections and/or hard inquires associated with said accounts and as reported. Therefore I would appreciate the hard inquiry as well as the aforementioned accounts to be removed. 
Therefore aforementioned accoutns, collections and hardinquires appearing on my consumer report were maintained by you were not opened, made, and/or initiated by me. 

All of the aforementioned accounts, collections and/or hard inquiries are the result of identity theft and company fraud.
Product: Checking or savings account

I just received mail from SoFi bank that my SoFi XXXX was closed effective immediately due to " activity that indicates the account may have been used in violation of the SoFi Bank XXXX Account Agreement ''. 

I've reached out to SoFi customer service to check what activity they were talking about but was told they don't have that information except confirming that my account was indeed closed. 

I used SoFi as my main checking/saving account to pay credit cards and transfer funds, I don't think I have any activity that violates SoFi Bank XXXX Account XXXX XXXX XXXX just closed my account without any valid reason or asking any questions or any solid poof. This is not right, now I can't access my fund and my bank statements in the past 7 years, which is important for my own book keeping purpose and tax purpose.
Product: Credit reporting or other personal consumer reports

these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXXXXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX, XXXX Inquiry dateXXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I requested the original contract from Caine and Weiner and they removed it but 3-6 months later put it back on my credit report and updated it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : XXXX XXXX -- - account # XXXX -- - {$2300.00} OPEN XX/XX/XXXX XXXX XXXX -- - account # XXXX -- -- - {$1500.00} OPEN XX/XX/XXXX XXXX XXXX -- - account # XXXX -- - {$3100.00} OPEN XX/XX/XXXX XXXX XXXX -- -- account # XXXX -- - {$0.00} OPEN XX/XX/XXXX XXXX XXXX -- - account # XXXX -- - {$6400.00} OPEN XX/XX/XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed transactions are not done by myself.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy chapter complete and discharged the debt is over XXXX yrs old company still refuse to delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an order was placed using my synchrony bank credit card the orders were delivered on XX/XX/XXXX and they were damaged they were picked up and returned to the warehouse on the XXXX they try to re-deliver a wedge and the wedge was damaged along with all the other furniture which I sent email to Ashley furniture on the XXXX XXXX XXXX males came in the warehouse I called I spoke with customer service a woman by the name of XXXX with customer service that said the items have been received in the warehouse I also spoke with another customer service rep named XXXX that also confirm that the items were received in the warehouse I was sent information from synchrony bank that was supplied to them by Ashley furniture with a signature that does not match my signature and the name that does not match my name stating that these items were delivered to a place that does not even match the description of my place I do not have any furniture from XXXX as they were delivered damaged and refused and returned and now I am on rightfully being charged for the amount a bit these items which is effecting my credit I want all items removed off my credit and so I have no merchandise from XXXX and it was confirmed more than XXXX time that the items were delivered and receipt to the warehouse.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Your Full Name ] [ Your Address ] [ Your City, State, ZIP Code ] [ Your Date of Birth ] [ Your Social Security Number ] [ Date ] Credit Bureau Name [ Credit Bureau Address ] [ Credit Bureau City, State, ZIP Code ] Subject : Request for Correction of Personal Information Dear [ Credit Bureau Name ], I recently reviewed my credit report and found incorrect names and addresses listed. To ensure the accuracy of my report, please update my personal information as follows : XXXX. My Name : My legal name is [ Your First Name ] [ Your Last Name ]. Please remove any other names, as they are incorrect and not associated with me. 
XXXX. My Address : Please ensure my address is correctly listed. My accurate address is : [ Address Line XXXX ] [ City, State, ZIP Code ] Additionally, please remove all other references to addresses that are not associated with me. 

Once these updates have been completed, I kindly request that you send me an updated copy of my credit report for verification. 

Thank you for your time and assistance. 

Sincerely, [ Your Full Name ]
Product: Credit reporting or other personal consumer reports

Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

MY CREDIT SCORE IS ONLY REPORTING IN XXXX, IT DOES NOT REPORT ME IN THE OTHER CREDIT BUREAUS LIKE EQUIFAX AND XXXX, I CALLED THEM AND TALKED TO A SUPERVISOR AND THEY TOLD ME THEY HAVE NO INFORMATION ABOUT ME.
Product: Credit reporting or other personal consumer reports

Transunion used and allowed for my personal information to be available and subject to fraud.
Product: Credit card or prepaid card

Amex closed all my credit cards and business checking account today without notice. I have a credit balance on my credit card. I have membership reward points worth {$2000.00} that are gone due to the closure.