23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/ there was over 100 transactions equaling {$960.00} off of my bank account. I had filed a dispute with Chime stating the police report from when my cell phone and wallet had been stolen. I also sent in the list of transactions, the amount, a copy of the police report they denied the claim stating that, one of the merchants said there was no fraudulent activity. I then emailed both merchants who replied with. They both confirmed that there was fraudulent activity on my accounts. I took copies of those emails sent them into Chime, who then still denied my dispute a second time.
Product: Checking or savings account

I was a victim of identity theft and a scam company took money out of my account, deposited a check for over 2000 and then withdrew if from the account. The next day I contacted the back and they informed me it was a scam company and they would close the account and refund what was taken. The back closed the account but then but the information on XXXX XXXX  as if I committed the fraud bs a victim and they havent refunded the money and have in their system I owe the back. Which is completely untrue
Product: Credit reporting or other personal consumer reports

CFPB, I looked at my consumer report on XXXX, XXXX, XXXX and noticed the Equifax is reporting inaccurate information regarding XXXX XXXX XXXX account. This account was closed on XX/XX/XXXX, it has been over 3 years and Equifax is still reporting this account.The most recent reports were on XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

Not sure of the dates, besides today, XX/XX/XXXX. This happens on and off, where PNC will sometimes not cooperate with linking other accounts and things of that nature. Its a real pain in the XXXX, especially during COVID Crisis, that I am not able to access my money. I need to move money from my outside savings to my pnc. It also makes little sense because it will be allowed, like PNC allowed it, but then one day be restricted again. And I, and Im sure many others, are forced to wait days for access to our money. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that I found on my report that are inaccurate and fraudulent. I believe someone has accessed a account using my personal information. Please delete the following accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian keeps violating my rights as a consumer under 15 U.S. Code 6802, 15 U. S. Code 1681B I could go on and on! Ive been in contact with them so many times sent out multiple disputes and nothing was changed. I even ask for them to provide me the way they verified an account ( proof of verification ) and nothing is or has been provided shaking my head! I filed a FTC report because these items that are reporting on my credit report shouldnt be there and I have not given WRITTEN ( WRITTEN ) consent to report anything on my credit report! Also I even give them 30 days to provide me this information as I do have 30 days for an investigation to be complete but, but what is always happening they dont provide it to me in that case any account should be deleted but they dont do that. Experian also has different variations of my name and I only have 1 way of my name spelling! Also Experian has multiple address and variations of addresses that I do not live at like this is frustrating the credit agencies are not complying with the law that are set in place for us consumers even them they are consumers that are human! And I have derogatory accounts that I did not give consent to the creditors to report like what is all of this violating my rights in all way shape or form!
Product: Bank account or service

On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.
Product: Credit card or prepaid card

I had a card with XXXX for ten years, never once missed a payment. XXXX took over the account in I think XXXX this year. I did not have access to any account when XXXX stopped taking my payments, and the account was transferred to XXXX. I did not receive a way to pay through " XXXX '' and all my calls were on hold for over an hour, dropped, mis-transferred ( with laughing person on line and led to a transfer that was a message to call again later ), and once I even got a message ( which i have recorded and saved ) stating they were sorry no one was available to take payment, that no negative payments would be reported to credit bureaus, and to call back again with a disconnect. I received notice from XXXX XXXX that I was reported for late payment in XXXX or XXXX, when I could not make a payment after trying so many times! I have submitted disputes to all the bureaus, and a letter back from XXXX from my goodwill request that they would not honor my request to remove the late payment reported. I had thought it was just taking them time to " transfer '' I have sent them multiple letters requesting to remove the late payment, and finally was able to get someone to take the XXXX dollar payment ( all that was due ) and closed my account with them. I was never even able to get my card activated.
Product: Credit reporting or other personal consumer reports

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

Transunion : date : XX/XX/2023 Company : XXXX XXXX XXXX Type : Banks and XXXX & XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX phone : XXXX
Product: Student loan

I have graduate student loans with MOHELA I recertified my IDR plan back at the end of XXXX. My payment amount went up from XXXX XXXX {$1200.00} in early XXXX. The department of education said that the IDR certification Deadline has been extended to XX/XX/XXXX, and if you recertified and your payment went up, it would be reverted back to the lower payment. I have been calling MOHELA roughly 2 times a month to try and have my payment reverted. Every time I call I get different information. Most recently on XX/XX/XXXX I called because I have a payment due tomorrow on the XXXX and my payment has still not been reverted. They claim that there is, never been a request placed for this And put in a new one. I requested documentation of this, but it will not arrive for about XXXX weeks. Previously on XX/XX/XXXX, I spoke to XXXX at MOHELA who assured me she put in a ticket to have my plan calculated and payment reversed.It has been XXXX months of trying to get my payment reverted. I have called Miss several times and requested documentation but many of those times were prior to the online platform change that occurred over the summer and nothing on my old account shows up. It is unclear to me why this is so difficult, and why will he seems to have no clue about instructions from the department of education. I have been in and out of forbearance because I did not want to pay the higher amount, but I am going to pay the higher amount because I am now concerned about it counting towards public service loan forgiveness. I was previously told that months and this recalculation forbearance would count but honestly, I do not think I trust Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person gets tired of submitting the same complaint to the same reporting agency. Then coming to CPFB to complain about the same credit reporting agency over and over again. My name changed XXXX legally. I currently have a credit freeze on my credit file. How do inquiries get around that credit freeze? By using AKA name. How do I know? I keep getting credit offers made to me in AKA name. 

I just disputed electronically/via internet all those former/now illegal names with TransUnion. Do you know what that did? They took those former names and moved them from current names to AKA category. Former phone numbers that I have repeatedly had removed are magically back in report as well for me to have removed again! Just now. They refuse to remove names while conceding to removing ancient phone numbers. 

Every month XXXX XXXXXXXX has been making inquiries into my credit file via XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA XXXX under a former name. XXXX XXXX XXXX  has been making credit offers to me using former AKA name. It was revealed to me over the phone they got their information via a credit reporting agency. I looked in fine print of offer and there it was! " ... using the TransUnion XXXX XXXX model ... '' They know better. They know exactly what they are doing. They are working around credit freeze.
Product: Credit card or prepaid card

Bank of America credit card was opened without my authorization of the amount of {$5000.00} need this matter to be closed and be taken from credit report thank you
Product: Debt collection

report XX/XX/2017, {$980.00}, I filed for Identity Theft with the FTC.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed I had a late payment on an account that I was never late .For consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. If proof can`t be provided, I demand these payments be updated to ON TIME as they should be as I was NEVER late. thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Bankruptcy XXXX  XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$560.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I HAVE HAD A VISA MERRILL + CREDIT CARD FOR MANY YEARS. 
I CALLED AND WROTE THE BANK OF AMERICA AND MERRILL LYNCH THAT THE CARD WAS NOT WORKING.. THEY INFORMED ME THAT THEY HAD CLOSED THE ACCOUNT AND INDICATED THAT IT COULD NOT BE REOPENED. THEY NEVER GAVE ME A REASON FOR THE CANCELLATION. THE CARD EXPIRATION WAS XX/XX/2018. I HAVE OVER XXXX REWARD POINTS WITH THIS CARD WHICH THEY CONFISCATED. I ASKED THAT THEY AT LEAST HONOR THE OVER XXXX REWARD POINTS, WHICH THEY DENIED TO DO. THIS IS UNFAIR AND TOTALLY OUT OF PLACE! I DID NOT HAVE ANY IDEA THAT THEY UNILATERALLY HAD CLOSED THE ACCOUNT WITHOUT EVEN NOTIFYING ME AND APROPIATED MY REWARD POINTS. MERRILL LYNCH SENT ME A LETTER INDICATING " A REVIEW OF YOUR ACCOUNT INDICATES THAT THE ACCOUNT ON XX/XX/2016, BASED ON THE TERMS AND CONDITIONS OF YOUR POINTS PROGRAM, TO PARTICIPATE IN THE PROGRAM YOU MUST MAINTAIN AN OPEN ACCOUNT AND HAVE CHARGING PRIVILEGES ''. WELL, THEN WHY DID THEY CLOSE THE ACCOUNT IN THE FIRST PLACE?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed acct XXXX for credit bureau associates and requested they validate the debt by sending copies of the documents they have in their files that were use to validate this debt not simply responding with *verified yet they keep reporting it on my credit report i know it will automatically fall off on XX/XX/XXXX but this does not belong to me
Product: Credit card

On XX/XX/XXXX, all of a sudden I received an email from Chase stating that " after careful review '' they decided to close my accounts. 

This included my checking account and my credit card, everything with no explanation at all. The email said I was gon na receive a letter in the mail supposedly to explain the reasons as to why my accounts were closed, I was very surprised when I see literally no reasons on that letter explaining anything at all. 

I went in branch and they told me exactly the same thing, they said they " were not allowed to provide information in this type of scenario ''. 

They also told me that my credit card was not being affected and it would stay open ( which was a total lie ). 

I'm extremely disappointing at Chase and this stupid way of handling things like if everything was top secret and me not being able to know the reasons why my own account got closed for.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Company Name : Best Buy/My Best Buy Visa Account Number : XXXX On XX/XX/XXXX, I purchased a camera from XXXX for {$2400.00} using my My Best Buy Visa credit card. The camera was never delivered to my home address, yet I was charged the full amount. 

I disputed this charge with Best Buy Credit Services, explaining that I never received the merchandise. On XX/XX/XXXX, I received a letter denying my dispute claim, stating they had " documentation '' showing " the merchant provided what was expected. '' However, they have failed to provide any specific proof of delivery to my address. 
I have never received the camera I paid for, and Best Buy has not provided : Proof of delivery to my address Signature confirmation Delivery photo documentation Tracking information showing successful delivery I filed a dispute with Best Buy Credit Services which was denied in a letter dated XX/XX/XXXX. I have also contacted Best Buy customer service multiple times regarding the missing package without resolution. 

I am seeking either : A full refund of {$2400.00} to my credit card account, OR Delivery of the camera I purchased I believe Best Buy Credit Services is violating the Fair Credit Billing Act by holding me responsible for merchandise that was never delivered. This situation has caused me significant financial hardship and stress. 

I certify that the information provided is true and accurate to the best of my knowledge. 

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

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX  XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently check my account and noticed that 2 late incorrect payments on my account. XXXX report in XXXX XXXX days late in which account was closed XXXX and XXXX had already sold my account to Dept of ED/ XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXXXXXX Balance {$5500.00} XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$120.00} XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXXXXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Examine the attached documents. Eliminate this personal information that is not mine.
Product: Payday loan, title loan, or personal loan

I have been getting an ENORMOUS amount of calls from various numbers out of Ohio. I have asked them to stop calling me, I have asked to talk to management, I have told them I'm going to report them and the calls persist. Two weeks ago the calls started at XXXX Monday & totaled 15 calls by Wednesday. When I ask what this is a about they say they are calling from " First Financial about the loan I was approved for ''. I have never used this financial institution nor have I applied for any loans in years. 
I XXXX First Financial and have found that this is likely fraud. I have blocked every number they have called from and they find new ways to contact me. This is harassment plain and simple and I need it to stop. They call mostly during business hours and I have a job. I need to not be bothered with this outfit anymore. Please and thank you for looking into this and shutting them down. 
I'm on the Colorado no call list & my understanding is there are serious repercussions for violating that list. I'd like them to punished by whatever measure can be enforced.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I went online to obtain my credit reports through all XXXX credit companies everytime i identify my self it locks me out then tell me i missed my password to many times not once this year have i been able to retrieve anything from these credit companies these companies has stressed me beyond my XXXX I cant even get a human on the phone its just like the companies are tracking my number where i cant even get into my profile to look at my credit report Im XXXX yrs old I have a XXXX but I can think to get into my credit report to make sure things are ok these companies flagged me out my report 365 days to a year until I just give up. I have done been through the ringer and I am upset and fed up with these companies ' trying to control my rights. Something needs to be done because its wrong and its violating my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of credit report and I show incomplete or inaccuarte information that was not verified with acocunt holder XXXX XXXX XXXX ( auto ) account number XXXX. Per FRCA and FDCPA I have be violated due to the reinsertion act and I am request that this account be delete due to viloation. I has not contacted nor I have not received and writing certified commucation from XXXX XXXX per law. Please delete due to unverifable means and viloation of reinsertation. Also, This has been placed under FTC fraud reporting and sent certifed mail to Transunion for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has my information lost my wallet twice XXXX XXXX old navy XXXX  XXXX XXXX XXXX XXXX and many other things are involved i have lot of other things I dont understand how they got there my identification is being used since 1995
Product: Credit card

In XXXX I was at the gym and my wallet was stolen and my information was used I had no knowledge until I checked my report and I noticed all the Fraud. Please block and delete all these accounts from my credit profile asap.