23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and subsequent identity theft, and I am formally requesting that you block and delete all unauthorized accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

These accounts and inquiries are fraudulent and were opened or made without my knowledge or consent. I request your immediate attention to investigate and take the appropriate actions to ensure these are removed from my credit file. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$89.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$93.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$89.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My monthly credit card payment to Bank of America 's office in XXXX, Texas seemed to get lost in the mail. I had my bank- XXXX XXXX  XXXX stop payment on the two checks I had mailed to Bank Of America and issued two new checks that did make it to BOA. My account is now paid off in full. But suddenly out of the blue the original two checks I asked XXXX XXXX  to stop payment on were processed causing an account credit of {$1800.00}. I can not reach a live person at BOA to get a refund and my bank charged me for stopping payment on the original two checks but still processed those checks when they turned up late. So, I am paid up but want a refund from BOA for the double payment. But, trying to get live person at BOA to assist me has not been possible. Herding cats and communicating with the dead is easier that communicating with BOA! I just want my refund!
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Open Date : XX/XX/year> - Account Number : XXXX Amount - {$XXXX} SAME ACCOUNT POSTED IN XXXX WITH NAME : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2022 to ask them to remove inquiries from my account as they are not mine. I spoke to XXXX different people and was hung up on several times. I called and spoke to XXXX supervisors one stated that they would remove the inquiries and put me on hold and the line disconnected. I called back and spoke to XXXX another supervisor who told me I needed to call the creditor back and ask for documents on their letterhead saying they have no info. I asked XXXX was he aware that Equifax is not allowed to have my info without my consent per 15 USC 1681, he stated yes. I confirmed again he stated yes again.
Product: Vehicle loan or lease

The loan was repossessed due to me not being able to title and tag because my last county claimed unpaid personal property for a vehicle owned and purchased when I no longer lived their. I called and asked if they could extend the temporary tags and they said no instead of directing me to DMV who could have granted and extension. They also did not notify me of repossession, notify me of public or private sale, notify me of the sale price and remaining balance on loan, notify me of where car was located for personal possessions. I submitted a request to remove the account from my reports due to the Commonwealth of VA code not being followed via fax on XXXX XXXX. XX/XX/XXXX I received three alerts from three different monitoring companies, XXXX XXXX, XXXX XXXX, and XXXX XXXX that they had updated the account to Closed. This re-aged the account. The account had already been closed on XX/XX/XXXX. I called them on XX/XX/XXXX and they proceeded to tell me falsehoods once a manager got on the phone saying I ignored their calls. I asked for a transcript of the call and they said their was not one ; I said their was as it stated at the beginning of the call it was recorded and this was an attempt to collect a debt. She said no ma'am it is recorded for customer service and to get a subpoena. I said I would follow another complaint with CFBP and from their the attorney general. They have also changed outstanding balance since the re-age.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Checking or savings account

held a check for 7-8 days funds availability fund is 3-5 days when to ask the banker to release funds b/c it's been six biz days they said it won't be available for another day or so XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tx XXXX
Product: Debt collection

On XX/XX/XXXX I received a notification from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt on the behalf of XXXX XXXX in the amount of {$180.00} and that they would be willing to settle the account for {$170.00}. I found this letter to be alarming because I received a notice from XXXX stating that the same amount was due. 

This issue stemmed from this summer when I was supposed to have service installed at my new residence. Prior to the scheduled installation at the new residence, I cancelled the appointment with XXXX but XXXX failed to cancel the appointment and prematurely disconnected my service at my old address. As a result, I awoke to no television, internet, or phone service. It took XXXX hours to remedy the issue and as a result, they had to create a new account in order to restore my service. I was told that my prior account would be merged with this new account number for billing and statement purposes which clearly is n't the case. 

Ironically, I receive monthly statements for my active service and I pay my bill monthly. Until XX/XX/XXXX I  never received any notification from XXXX XXXX stating that there was an outstanding bill on the previous account and that failure to submit payment would result in collection actions being taken against me. I knew nothing of this debt. While I have no issue of paying this debt, I need XXXX to remove this from collections since it was an error on their part. I take my credit very seriously and this collection will hurt my credit score and has the potential of staying on my report. 

On XX/XX/XXXX I contacted XXXX and explained the situation to XXXX, id # XXXX who later transferred me to a woman who later transferred me to XXXX who refused to give his id #. I spoke withe supervisor, XXXX XXXX and I advised him of the collection notice and the fact that I was not pleased with XXXX. This is because I have an active account with a triple bundle package that I pay every month. Until Saturday, I never received a notice regarding an outstanding bill on my previous residence. I explained that I was under the impression the bill from my previous residence and my current bill were supposed to be merged. He stated that was not I explained my concern for my credit rating and I was told that this account with Convergent was an in-house collection agency and would not bear adversely on my credit report.
Product: Money transfer, virtual currency, or money service

In the month of XXXX, I had to emergency move from where I used to live. This required me to have to withdraw funds from my XXXX funds at XXXX XXXX, my job. The amount I requested came in 2 separate checks in which I uploaded to Chase mobile deposit. They flagged 1/2 of the checks and placed a hold on my account. With time, they ended up suspending the checks and closing all the accounts I have with them. 

Over the course of the months, I am still fighting to get access to the money I worked years to earn. At my last attempt, I requested that the representative I spoke to at Chase would escalate my situation to their supervisor which they did after going back and forth about how nothing can be done. I re-explained myself to the Supervisor and they assured me they were going to help. After being on hold for almost 45 minutes, she added me to a 3 way call with XXXX XXXX XXXX XXXX XXXX XXXX who then confirmed that I did withdraw those funds. XXXX XXXX also explained that all specific information on the check itself can be available when they get in contact with XXXX XXXXXXXX XXXX, the bank that disbursed the funds. 

While the XXXX XXXX representative went to retrieve that information about the checks to answer JPMorgan Chase 's questions about the validity of the check, the supervisor told me that they were not willing to wait on hold. They then hung up on XXXX XXXX and advised me to tell XXXX XXXX to have all their information ready the next time I make an attempt. 


After fighting for 5 months for my own funds to released to me, I still have to deal with people that are not willing to do their jobs as part as customer Service. I am willing to submit anything that would prove my job at XXXX XXXX and confirmation of payment of funds sent. The Chase branch members took copies all this information and promised escalation and I haven't heard back for 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( XXXX XXXX  XXXX and XXXX ). Because the accounts being reported by your company, transition, XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit card or prepaid card

Citi Bank has a program called XXXX rewind where if within 90 days you find the same item at a cheaper price they refund you the difference. On XX/XX/XXXX I bought a leather recliner at my local XXXX for XXXX plus tax and went back on XX/XX/XXXX and purchased another. About 2 weeks later the items were decreased in price to XXXX and thats when I began the rewind process to be refunded the items. I sent what they required which was the receipt, the statement with items on it and sent a photo of the item on sale at the store, per information received from XXXX customer service agent. They can pull the recorded call from that day to confirm. The 1st submission from XX/XX/XXXX was approved and refunded but the second they said that the photo taken is unacceptable. So why was the first approved? Is it the customer mistake that he was give incorrect instructions on how to proceed with opening this claim? This has been going on for 6 weeks now and I am tired on getting the run around about the matter. As a loyal XXXX customer I would think there would be more consideration especially because we were told to to it this way, and now, 6 weeks later they say they need other proof, how!!????? If the product is no longer available????? I strongly request the call be pulled and listened to confirming what I am saying. XXXX  as a reputable company as XXXX is I would expect a refund as we requested and no more excuses of what the customer did wrong since I was instructed to provide a Photo of the product! Thank you for your attention to our respectful request.
Product: Credit card or prepaid card

US Bank sent me a letter stating they were reducing my credit card limit from {$5000.00} to {$500.00} because of these reasons : my score was XXXX, length of accounts is too short, too few joint accounts, too many open revolving accounts and too many inquiries. 

My credit score is almost XXXX points higher as of XX/XX/XXXX. So that is not a valid reason to reduce my credit limit by 90 %. I have had credit cards for around 2 years. This is because I lived in another country until XXXX. I have a green card and had to establish myself before I could qualify for a credit card. This feels like I'm being discriminated against for being an immigrant. As for too few joint accounts, I'm not married which is why I don't have any. Is it legal to discriminate against someone for not being married? I was not aware there were any laws that required you to have a spouse in order to get a credit card. I'm not sure why they say I have too many revolving accounts as I only have three credit cards and that is much less than most people do. The too many inquiries thing seems odd as well. I have been trying to purchase a new car, which I was finally able to do. I should not be discriminated against for trying to find the best rate. 

The card is currently paid in full as well. I have never gone over the limit either. 

I would like the card reinstated to the {$5000.00} limit they originally gave me. I don't feel it's fair to discriminate against me because I am an unmarried female immigrant.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit file by XXXX XXXX. This account was paid in full on XX/XX/XXXX, as shown in the attached settlement document. However, XXXX XXXX incorrectly updated the account in XX/XX/XXXX, making it appear recent. This false reporting is damaging my XXXX XXXX and misrepresenting my payment history. 

I have attempted to resolve this issue through XXXX, but their online dispute system has been unavailable despite multiple attempts. I am requesting that XXXX XXXX and all credit reporting agencies immediately correct the reporting to reflect the actual date of closure and last payment. 

Under the Fair Credit Reporting Act ( XXXX  ), I have the right to accurate reporting, and failure to correct this issue is a violation of federal law. I request an urgent review and correction of my file. I expect a written response within the legally required timeframe.
Product: Payday loan, title loan, or personal loan

Breach of contract, unfair business practices, and deficiency in service to my home equity line of credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXXXXXX XXXX  i made a call because I was having problems sending money though this app. I asked to speak to a manager and i was told that one was not available. After calling my bank and then calling them back at XXXX I asked to speak to a manager and was told yes they have one on i can be transferred too. So I was lie to by the first guy and then after getting transferred I was speaking to someone with just a lot of experience. Finding out i was lied to by the lady as well. Part of a business practice should not be lying to your customers. And nothing was fixed with my transaction so i just had to cancel it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX  and they have no record of me or any accounts with my SSN. This is not my account!
Product: Vehicle loan or lease

I dont have work for long time to continue pay so i pass the bike to my friend supposed he continued pay but never did
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Student loan

The student loan servicer, Navient incorrectly reported a missed payment on my credit report when I actually paid. They have placed my account on forbearance without notice and I am still accruing interest. They have been inaccurately reporting my account and I have been paying and I owe more than I initially borrowed. I took my bank information off my account on there website and they have gone into my bank account and taken money out without consent. I have called them for this several times I was steered into forbearance instead of an income-driven repayment plan, some payments have been misallocated. I received no notice that my account was put into forbearance.
Product: Payday loan, title loan, or personal loan

I received these checks in the mail from this company and I deposited it and started a loan. For some reason it slipped my mind. I started in XXXX and by XXXX the company had sent me to the Ohio court system once that happened I am immediately paid my account to get it up to date. 
I apologized to them and advised I would not miss a payment going forward they said this was fine they advise the court documents would go away they advised they were no longer seeking a judgement. They also advised me I did not need to go to court. What happened next was weird because my credit score went down I am starting to show this account was now in collections and there was a past due amount of {$120.00}, which made no sense I called The local office they said your account is not past due youre actually paid up a couple months so I left it alone. I checked my credit report again and it still shows that the account was past due and collections. I attempted to file a correction with the credit bureau, that failed. I Filed a complaint with the XXXX  XXXX  XXXX  then the company contacted me back and says well your account is listed as collections any time it has to go through the court process which I was not advised before then they said even though your account is paid up were still gon na show its past due For court cost until its paid off which makes no sense at all if my account is technically paid up a few months why would you still show a past due balance that is actually lying. They say well its our system which is not fair to the consumer at all if they have a system issue they need to fix it. That can not be legal to reflect someone as past due mess up their credit for months and on top of that they got a judgment against me when they told me I did not need to go to court. I dont see how this is fair at all if I needed to show up to court to defend myself or put my statement in, I would have done so now it looks like I did not show up to court and they got just a simple judgment against me. I intend to pay this off in full as I have been doing. But for this to reflect this way on my credit report and for them to go to the courts and get a judgment when they lied its not fair at all and I would like this looked into. I even asked for official company documents that state if you miss a payment your account is reported as a collection and it will report as a past due balance on your credit report every month until it is paid off in full and no one at the company has sent this information to me. I can even attach a screenshot from my mariner account where it shows I dont even have a payment due until XXXX so how was his company allowed to mess with my credit like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/year>, i applied for a business credit card. And it was for {$25000.00} XXXX XXXX XXXX XXXXXXXX Product ; XXXX XXXX XXXX wrongfully denied me credit.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have a permissible purpose. I also attached evidence. 

The following list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The inquiries listed have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.