23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  section XXXX A. XXXX I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 
Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY Creditor Name XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Unauthorized inquiry. - DELETE!!! 
I hope this message finds you well. I am writing to bring to your attention my recent discovery of an unauthorized inquiry on my credit report, linked to my account [ account_ name ] - XX/XX/XXXX. I must express my disappointment and concern regarding the presence of such an inquiry, as it is in direct violation of the Fair Credit Reporting Act, which mandates the protection of my personal information and necessitates explicit authorization for access. In light of this, I respectfully request that you promptly furnish me with substantiated evidence explaining the rationale behind this unauthorized inquiry. I trust that you share my sentiment that these unwarranted inquiries have no rightful place on my credit report, and I seek your immediate assistance in rectifying this matter. 
Upon receipt of my credit report, I have observed with considerable disappointment and concern the presence of credit inquiries made by entities for which I have no recollection of granting authorization. It is firmly established that any inclusion of an inquiry on my credit file without explicit consent is categorically unacceptable. Consequently, I earnestly implore you to expeditiously initiate the necessary measures to eliminate this specific inquiry from my credit file without delay. Furthermore, I kindly request the provision of comprehensive documentation attesting to your diligent investigation and subsequent eradication of the unauthorized inquiries in question, as this would be greatly appreciated. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX of XXXX
Product: Checking or savings account

One XX/XX/XXXX, Capital One made a decision to close all my accounts. One of the accounts was a savings account I am a co-holder with XXXX XXXX, my daughter as a minor. One XX/XX/XXXX, I called Capital One because I have not received the closed out amount of {$100.00}. I was told that day that a cashier check has been mailed to me and it would take 10 business days. I was told if I don't receive the check by XX/XX/XXXX, I can call again. I did not receive the check so I called on XX/XX/XXXX. I was transferred to at least three times and after 30 minutes, they can't seem to be able to explain what happened my XXXX 's balance.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 information, 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: Vehicle loan or lease

The car was repossessed on XX/XX/XXXX and redeemed on XX/XX/XXXX. 

The credit report is showing the account has been closed and the vehicle has been repossessed. 


I contacted XXXX XXXX on XX/XX/XXXX to dispute the incorrect information. Westlake ( the company ) has updated the account to repossessed/redeemed however, the account still remains closed on my credit report.

This is incorrect and it should be updated correctly.
Product: Credit card or prepaid card

On or before XXXX XXXX I lost a folder containing my Credit card, a Copy of my Passport, and Copy of my XXXX to XXXX. During this time my folder was missing, someone used my Credit Card to make purchases. I did NOT make the purchases nor did I authorize any purchases to be made. I contacted HSBC once I noticed the card was not in my possession and that fraudulent charges have been made. I have had to repeatedly call them and tell them what has happened.. The very 1st time I contacted them I told them my card was missing.. They rejected my claim because they said that my card was present during the transaction. I did not have possession of my card when I called to tell them it was missing. I have been getting the run around with HSBC. They are now calling me to make payments on charges I did not do or authorize. When I Call HSBC they say they are recording the call.. IF they are doing so then why are they getting the story mixed up between themselves? I have done everything that they asked of me. I have went to the police station to get a police report, In which I was told I could not do so because I lost my card in another country. I informed HSBC of this. Then they told me to contact merchants that I have never been to gather information for them. I immediately did so and contacted HSBC afterwards. Every time I call HSBC they seem to bring up new things to NOT rectify this situation. They speak to me as if I never spoke to them before about this Issue. I am constantly repeating myself and I am Not sure if they are selective in what they want to hear or if they just dont care. I am now getting calls to make payments on transactions I know nothing about. HSBC is acting very unprofessional. I havent received any letter from them pertaining to any investigation or anything about my claim.. However I have received Bills and Numerous calls about making payments.. This is not fair at all. I have had to call them numerous times to see whats going on. Its like after I filed my Claim they just forgot about me..I didnt get any info about my claim. However I have received a bill, and fees for lates payments for transactions I Know nothing about. I want to know whats going on and how we can rectify this. What did they conclude? What notes they have of our conversations together? Why my claim was denied? Whats going on?. This is very frustrating. I have done Everything they ask of me. HSBC seems to not want to help its customers. I need Help with this issue. Thanks
Product: Credit card

While in the XXXX, my credit card was compromised XXXX different times for cash advances amounting to {$790.00}. XXXX of the transactions was a Doctors office where a credit adjustment for {$230.00} was issued against my card. 
Elan Financial Services is the issuer of the card and refuse to remove the bogus charges from my account. They stated that because I still physically have the card they are not responsible. 
Please help me, I am XXXX XXXX XXXX and will not pay this because I didn't do it. 
I talked to them today and they refuse to reopen and investigate this fraudulent activity.
Product: Credit card or prepaid card

I have had a BOA Visa credit card for approximately 28 years. When married, my husband had charging privileges. In XXXX I deleted him from the card and started divorce proceedings. I have been paying the card down since then as he has run it up substantially. I have not been charging on it lately. 

I save my mileage for trips, plane tickets and rely this as I am on a limited budget. BOA credit cards have always had a " no expiration '' on mileage policy. They have never taken back mileage from me until now. I looked at my mileage on XX/XX/XXXX and noticed that my mileage was less than 50 % of what it should be. I called and spoke with their customer service rep and was advised that I have only been a member since XXXX, which is 100 % false. I was advised that each month they have been taking mileage from me once the mileage hit 5 years of age because they expire. So basically, every month in XXXX, BOA takes my earned mileage back when it hits XXXX XXXX XXXX. I was told that I should have been notified of this each time. I HAVE NEVER BEEN NOTIFIED THAT THEY ARE TAKING MY EARNED MILEAGE BACK. I would have used the points! The representative claims that this is the type of credit card that I have. I have never had this type of credit card with BOA, whereas they take my earned mileage back. I googled BOA mileage expirations, and my research indicates that BOA mileage does not expire. I was told that my current non-usage of the card has nothing to do with them taking my mileage back. I really need my mileage back as I plan to take a trip soon.
Product: Debt collection

GM FINAMCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Open XX/XX/year> that was part of identify theft and was removed from XXXX and XXXX, but not from XXXX. 15 USC 1618c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never owned a XXXX account. I have been with XXXX which was later acquired by XXXX since 2010. 

I have contacted Experian multiple times about XXXX accounts being reported to my account which might be from a compromised SSN or smething. 

I have called XXXX and they can not provide me with any information either as the accounts use my SSN but are not under my name.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

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 information, 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 reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Chase Credit card balance off around XX/XX/2017.  I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call Chase and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I authorized payment of a {$2500.00} invoice using my XXXX XXXX XXXX credit card using Paypal. Instead of paying the invoice as I authorized, Paypal illegally and fraudulently embezzled funds using my Paypal balance. I immediately contacted Paypal customer service to correct their error, Paypal refused. They stated I had to request a refund from the vendor and she would have to reissue the invoice to use my credit. I called back and spoke with the Paypal Fraud department, as Paypal had in fact committed fraud, wherein the Fraud rep lied about the reason for their unlawful action. XXXX in the Paypal Fraud Department alleged my Paypal balance was used because XXXX XXXX declined the charge. This claim was utterly suspect as XXXX XXXX 's procedure in such cases is to contact the cardholder immediately with notice of such a decline. No notice was received, so I called XXXX XXXX. The agent stated that as is normal procedure, a " test '' transaction was in fact received from Paypal, however the {$2500.00} actual charge was not subsequently submitted, so the charge had never been declined. The XXXX XXXX agent offered to call the Paypal Fraud Dept while on the phone with me. Paypal Fraud Agent XXXX verified that, in fact the charge had NEVER been declined. She provided no reason for why my express payment authorization was usurped and my Paypal funds were misappropriated. Agent XXXX continued to refuse to correct the error. I contacted the vendor to issue a refund, but the vendor had already transferred the payment to her bank account XXXX smart ) so the funds were in transit. I conveyed this to XXXX, she said it did not matter the the funds would be returned regardless of where they were. After the refund was issued, Paypal 's website first indicated the funds would be in my account by XX/XX/XXXX, an hour later that date had been stricken and XX/XX/XXXX was listed. On XX/XX/XXXX, the funds were still not retuned to my Paypal account so I called. After an 18 minute hold, the Paypal rep asked me to refresh the screen and my funds MAGICALLY appeared. I immediately transferred the finds to my bank account, Paypal indicated my fund would arrive on XX/XX/XXXX - some 11 days AFTER this fraudulent transaction occurred. Paypal has ILLEGALLY commingled funds from 2 different businesses we own. This has caused not only severe emotional distress, but has resulted in the inability to pay bills for a completely unrelated business, because the income from that business was misappropriated by Paypal. If this is a pattern and practice of Paypal they should be severely sanctioned by this agency and perhaps a class action lawsuit is in order. Adding insult to injury, the vendor I paid {$2500.00} to - due to these facts - now refuses to do business with me. On top of that, the first customer service rep said this could all have been avoided had I processed the invoice payment as a " Guest '' instead of login in to my Paypal account. So Paypal treats " Guests ' BETTER THAN ITS CUSTOMERS. Note to self, we'll be using XXXX for payment processing going forward.
Product: Credit card or prepaid card

Today I received a Master Card from Synchronity Bank to replace my regular JCPenney credit card. I called the number on the back of the card to ensure that the card was NOT activated. I never requested the card and do NOT want the card. I was told that the credit was simply sent to everyone who qualified and that simply sending the card was the request to " opt in '' to use the new card. The same thing happened to me a few months ago with my Old Navy card backed by Synchronity. Again, I did NOT request the bank card and did NOT want the card. I did not activate that card either. 

In this day of identity theft and fraud, I thought that it was illegal to simply send an unsolicited credit card in the mail. I'm perfectly happy using my store credit cards and do NOT need another bank card. 

I tried calling the bank to ask about their procedures. I found a couple of phone numbers on the internet. However, after providing my new credit card number and the last 4 digits of my social security number, the automated system says that they don't match any records and that I called the wrong number for my card. Then the call was disconnected. I already called the number for the credit card to close the account. I wanted to talk to some one at the bank that made the decision to send me the card. I was NEVER able to talk with an actual human after 3-4 calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have 2 collections on my account from the same company. I do not owe this company any money never signed anything with them or anyone there represent. The company name is XXXX XXXX XXXX  they claim I owe them {$370.00} & {$400.00} to them. I do not owe them any money. I have no idea who they are or what there talking about. This is fraud/identity theft as I have no knowledge of this and never authorized or signed anything for these amounts.
Product: Credit card or prepaid card

someone opened a charge card with XXXX XXXX and i only use my bank only i got letter telling me to come here again to fill out form and have notorized cant find theform this page is not user friendly they want a police report but police wont do anything we been down this road before why we put security on our bank accounts and looks like we notgetting help now being told tofill forms out that not available
Product: Checking or savings account

I have had my identity stolen. Someone opened multiple accounts with Bank of America in my name and then used it for fraudulent purposes. The accounts were closed by the bank due to fraud but it has negatively impacted my credit tremendously. I have spoken to the bank and their investigation may take months. 

The perpetrators used an expired ID card in my name apparently so the accounts should never have been opened in the first place. I need help. 

Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For CauseXXXX XXXX
Product: Money transfer, virtual currency, or money service

The spoof usaa number called me and they hacked my account to wire transfer XXXX to themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested a credit report from Credit Plus. Nearly 1 week later I received a 7 page credit report belonging to SOMEONE ELSE! I emailed Credit Plus and did not receive a response.
Product: Checking or savings account

On XX/XX/2024 I paid a down payment to XXXXXXXX XXXX XXXXXXXX. In spite of my husband 's credit rating being over XXXX he was denied for the {$1300.00} loan. The sales representative assured me that I would be refunded in a couple business days. XXXX weeks passed and I contacted XXXXXXXX XXXX XXXX and they stated that I needed to resolve the dispute with my bank. XXXX week later Bank of America responded stating that it would take up to 45 days before a decision is made. I don't feel BOA advocated for my refund quick enough. The bank did not even offer a temporary credit, which I feel I was due. This should have been an easy fix.