23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When I returned from a 2 month trip out of state near the end of XXXXXXXX XXXX I found I had recieved letters from various credit card companies denying request for credit or asking for more information. When I called these companies Requests had been made on line around XXXX XXXX XXXXXXXX further investigation found that someone had my name, address, email, phone no., social security number and my drivers license number. 

I filed ID Teft report with FTC and police report with XXXX XXXX Sheriff I also recieved a letter in the mail from Bank of America stating that my credit line had increased. I had receved no other form of communication from BOA at that time. 

When I reviewed my statements, I found a {$22000.00} balance transfer of {$22000.00} was made on XX/XX/XXXX to a XXXX Checking account that was not in my on tthe account. I called XXXX and was able to verify my name was not on the account and they notified me that that account had been closed due to fraud. They would not give me name or address on the account. 

My first call to Bank of America was XXXX  when they opened a claim and credited account. 
XX/XX/XXXXXXXX  denied said I had seen the statments and paid on the card. Problem was, I did review statements while on vacation. i simply paid a little more than minumum on the cards to keep them current XXXX re-opened XXXX denied XXXX called again Gave BOA the information on the XXXX Transaction and the it was closed due to fraud. Told it was escalated. 
XX/XX/XXXX denied XX/XX/XXXX called and verbally asked for documentation used to make the decision. 
XX/XX/XXXX Called and requested infor again. Mailed registered letter to BOA requesting documentation on the transaction and the decision to deny calim. i also submitted copy of police report and identity theft report. 
XXXX BOA recieved letter XX/XX/XXXX Called and was told claim is still in progress XXXX called and told claim was denied and closed out, but the last message I recieved was XX/XX/XXXXXXXX - tried to get a supervisor, but was disconnected while waiting. 

It's frustrating that I have recieved no communation from BOA since XX/XX/XXXXXXXX I recieved no communication from BOA when a {$22000.00} transaction was made by phone. 

Bank of America has not done due diligence in investiagating this fraudulent transaction or responding to my questions and requests for documentation.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 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

On XX/XX/XXXX I was alerted a derogatory and late acct from XXXX was on my credit report. I called XXXX who had already sent to collection agency. The acct was opened XX/XX/ 2024, never paid, closed, and now on my report. My other XXXX years and XXXX or so accounts do not have XXXX late payment. I disputed this on XX/XX/XXXX as I never opened a XXXX acct and use XXXX. It took XXXX 3 days to verify and update the account and it will be on my credit report for years now. They did no investigation, they simply doubled down on the legitimacy of the account. This impacted my score significantly and Ive frozen my credit over it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informati
on, other than records of convictions of crimes which antedates the report by more than seven years.

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 card or prepaid card

I opened A discover Card XX/XX/XXXX and I got a random Email reporting from XXXX on XX/XX/XXXX that Discover recently closed my account out of no where. I called them multiple times asking why they closed my account and they said it was due to inactivity. I told them I wasn't able to use my card because of recent health issues. They never sent me any letters or emails or messages inside of my account that they were going to close my account. It is ruining my credit history now due to that being my longest account open.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I ordered an {$440.00} item from an XXXX seller ( now defunct ) using my credit card issued by : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX The XXXX seller subsequently provided a fraudulent confirmation number claiming that XXXX had delivered the item I ordered on XX/XX/XXXX. 

I was at home at the stated delivery day and time, and no package was delivered. I called XXXX after receiving the fake delivery claim from the seller, and confirmed the following : No package delivery to my address had been attempted by XXXX on that date. 

The delivery confirmation number the XXXX seller provided was for a 7.10 lb. 
package, and certainly not for the approximately 90 Lb. item which I had paid {$440.00} for. 

The package was sent from an XXXX account ( whose identity XXXX would not disclose ) not from the XXXX seller who billed me. 

And correctly delivered by XXXX to another party at another address in the same zip code, as the sender directed. 

XXXX stated Their was nothing they could do, as this delivery was flawless, it just had nothing whatsoever to do with me or the item I had been billed for. 

I have stated the same over the phone to three XXXX Mastercard representatives, and also in multiple written communications, and pointed out that they merely have to contact XXXX to confirm that delivery was never made, and I am not responsible for payment. 

XXXX Mastercard has reputedly replied with form letters asserting that I actually did receive the item I ordered, without making any attempt to investigate the facts proving otherwise. I believe that XXXX Mastercard 's refusal to investigate and settle this claim in my favor prior to this time is a violation of the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate.

By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.
Product: Mortgage

My mortgage was recently bought by Rocket Mortgage. Since the purchase they have been incessantly reaching out to offer to review my mortgage options with them. I have repeatedly told them I am uninterested in this review at this time and am satisfied with my current mortgage and interest rate. Even with my telling them I am not interested I have been receiving calls and/or texts every day since XX/XX/XXXX offering these services. They have also been contacting the secondary account holder of the mortgage offering the same services.
Product: Credit card

I have a general purpose credit card with Home Depot. This credit card was used by an unknown individual to make a very large purchase ( > {$12000.00} ). The purchase was substantially all of the credit limit available on the card. The charge was made in store during XX/XX/year>. 

The charge was for the following items : XXXX XXXX gallon hot water tanks, XXXX XXXX flood light camera, XXXX XXXXXXXX XXXX XXXX XXXXnd shower faucet, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cordless tool set, XXXX bundles of red oak wood flooring, XXXX bundles of XXXX XXXX solid hard wood. 
These purchases appear to be from some sort of construction contractor and not typically something you'd expect to see on a personal credit card.

For a purchase this large, you would expect to require some sort of proof of identification and require a signature. 

I immediately disputed the charge through the Company 's online credit card platform. It was initially removed, pending investigation, however, months later it was placed back on the card. After calling multiple times to figure out what happened, the investigating team would not provide an adequate explanation as to why or how they determined the legitimacy of the charge.

I began the process of filing a policy report with the police department so that I had something on file. The police department informed me that they do not handle credit card theft/disputes/fraudulent activities and to follow the dispute process available through the Company website. 

I consistently made my claim that the charge was fraudulent and that I wanted to understand what steps were taken by the investigating team. I asked for details pertaining to who they spoke with, if they viewed or have copies of the in-store video footage, etc. I was never provided this detail, yet they concluded that the charge was legitimate. 

I continued to dispute the charge and had them re-open the investigation. Unfortunately, the same scenario played out where I was never contacted by anyone for further information. I only realized that the investigation had been closed when I saw the charge back to my account. Again, I called multiple times to get to the bottom of the investigation and conclusions reached but still got no where. 

Now the charge has been filed as delinquent by Home Depot and it appears on my credit report as a delinquent/missed payments.

It is not fair to a consumer who is not responsible for a significant charge to get no valid explanation for the conclusions reached, to have to constantly deal with the stress of a massive credit card bill that was not theirs, and to also have their credit report negatively affected.

I don't know what else to do about this fraudulent charge, how to get it off of my credit card/credit report, and how to repair my damaged credit report.
Product: Debt collection

I paid this debt off over a year ago and was promised that it would be taken off my credit report and yet as I go through all of my credit reports, I notice this sill reads as Resolving & Deragtory. Essentially showing that I've yet to take care of this account, but it was settled over a year ago.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2025 Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove this account that is affecting my credit report.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless,, of several requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, The account listed as " XXXX '' with Account number : XXXX, Account status is misleading : showing different per bureau. I have attached a full 3 bureau report with inaccurate reporting. XXXX and XXXX do not show this account. 

Can you delete this from my EQUIFAX consumer report ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting or other personal consumer reports

An FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney fees. These inquiries listed in my letter are mine and I demand they be investigated thoroughly.
Product: Credit card

Company puts me into a loop of automated prompts or leaves me on hold for hours at a time. 

Signed up with XXXX XXXX XXXX card service on XX/XX/XXXX. Tried to sign up for online program of payment XXXX times. The website could not find my account number. Sent a letter on XX/XX/XXXX requesting paper statements because the website was useless. Called on XX/XX/XXXX and after calling XXXX different numbers and being on hold a combined XXXX hours i was able to speak to a human being. Called herself XXXX. Tried to help me sign up online and was unable to. I asked for a copy of the first statement and asked that if there was a late charge it be waived as it was their fault i could not get my balance or make a payment. I did not receive that statement at any time. I tried to call on XX/XX/XXXX but kept getting a message that the system was down. I did receive a statement around XX/XX/XXXX with a {$29.00} late charge. Also received a letter around the same time saying that my payment was late. Made the payment by mail and it got to them with no problem. The XXXX statement arrived sometime around XX/XX/XXXX and was promptly paid. Received the XXXX statement paid promptly but they have not posted the payment yet. I have tried calling but have been on hold for a total of over XXXX hours the past XXXX days. They have not been impacted by weather, there is no reason for this poor customer service. They have now charged another {$40.00} late fee for a payment they should have had in the office by XX/XX/XXXX. I am tired of the poor customer service from TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Debt collection

I received a collection letter from the XXXX   State Treasury Dept. indicating that I have a collection balance of {$3200.00}. When I contacted them they indicated that this balance had already been sent to a collection agency and was referred to contact them. I contacted the collection agency and was advised that the balance was for not filing XXXX XXXX  State Taxes. I explained that I did not live in XXXX  in XXXX, I lived in XXXX  and filed State Taxes in XXXX. I moved to XXXX   XX/XX/XXXX ; therefore, taxes were not filed with the state of XXXX  for that year. I was instructed to send proof that I had filed elsewhere. I explained that I no longer have copies of my XXXX tax returns or W2s as this was over 8 years ago. As this is not my error, I asked the Collection Agency to  research this mistake on their end, as due diligence should have been done prior to sending me to collections. I was advised they were unable to do that. I tried obtaining the requested information but there's a {$200.00} fee to pull these records and have spent countless hours on the phone trying to contact the IRS to obtain such info, which there is also a fee for. In addition, I was never notified that there was an outstanding balance until I was already sent to collections. I am requesting that this is investigated further and cleared, as no error was made on my part and I shouldn't have to send any information to them.
Product: Credit card or prepaid card

On XX/XX/XXXX ( approximately ) i called AMEX to report my card was misplaced and i needed a new card. just a little background i am a senior banker for XXXX, i am an expert on credit usage as well as credit accounts. I informed AMEX that i was going through a rough patch. was in bad car accident on the XXXXXXXX XXXX XXXXXXXX, couldn't work, Rental car was stolen on the XXXXXXXX XXXX XXXXXXXX. so i called to vent to AMEX as well as to fix the issue. i have never had a late payment with AMEX and have always been a valued customer. when my account was closed i called AMEX to understand what was going on, only to find out they had closed my account which caused a bill to be sent to collections and my credit to drop over XXXX points. i pleaded with them and tried to reason with them. i requested they review the call and reinstate my account because it was their error. they refused knowing how i used their services and was a valued customer to reinstate my account. since closing my account ive been denied credit and have fallen low with my credit. AMEX knew that i was a banker and that im quite aware of credit but still refused to acknowledge my frustration. loosing a XXXX $ line of credit has affected me in ways they have no idea. they told me the term close a card means to close the account completely. however, if they would have listened to the call i stressed several times that it was the card not the account