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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$220.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Date of request : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of request : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate and unverifiable accounts on my XXXX credit report, but they failed to properly investigate or provide proof under the Fair Credit Reporting Act ( FCRA ). The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and U.S. Dept. of Education. XXXX is also reporting incorrect addressesmy only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Requested Resolution : Remove all unverifiable accounts. Correct or delete inaccurate personal information. Ensure XXXX  complies with FCRA guidelines. I have attached my dispute letter and supporting documents for review. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. 

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the Equifax data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a payment for all 3 medical bills in amount of {$81.00} to be deleted off credit report on XX/XX/20
Product: Checking or savings account

On XX/XX/year>, my banking information with Fifth Third Bank was compromised and my money was moved to one banking account to another and a XXXX transfer of {$1000.00} was sent to an unrecognized/unauthorized name and number. I received no notifications from Fifth Third Bank due to the unauthorized party who gained entry to my account to turn off my notifications with my banking application and adding their personal number to my banking account, authorizing a XXXX of {$1000.00}. 

I notified Fifth Third Bank of the issue when I discovered the above and the Disputes and Fraud departments both stated that there was " nothing '' they could do aside from dispute the XXXX amount of {$1000.00} with XXXX. There was no case opened with the bank to look into unauthorized access to my bank account, who moved the funds, and who the money was sent to because Fifth Third Bank stated there was nothing they could do about this issue. Fifth Third states that they have several security measures in place to protect the customer 's identity and information which they have failed to do even after being presented with proof that someone added their number to my banking account from another state that I do not live in. 

I called on XX/XX/year> and the representative did not ask me any personal questions to identify who was calling regarding my account which she was supposed to do. I opened a dispute with Fifth Third on XX/XX/year> to recover my funds and they stated it would take up to 10 business days ( excluding holidays ) to provide a decision. I called on XX/XX/year> and they further stated that they had no decision. I called again on XX/XX/year> and they stated that a decision was made on XX/XX/year> with no notice to me about the decision. 

On XX/XX/year>, I spoke with a representative in the Disputes department yet again and she stated that the claim was denied but gave no descriptive reasoning as to why. She further stated that the dispute was incorrectly notated to XXXX when asked about the message in my banking application that provides proof that someone added their number to my personal banking information from another state unauthorized. This information was not provided when opening my initial dispute and has further elongated my process to recover my funds so I believe Fifth Third failed to handle this situation properly on the basis that they should have looked into this issue of fraud more carefully and diligently.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit reports due to documented instances of data breaches that compromised my personal information. Specifically, my information was compromised in the following incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a result of these breaches, my personal information, including but not limited to my Social Security number, credit card details, and other sensitive data, has been exposed to unauthorized parties. This has led to fraudulent activities, including unauthorized credit inquiries on my credit reports, which were conducted without my knowledge or consent. 

I have attached documentation from XXXX and XXXX XXXX XXXX  confirming that my data was compromised in these breaches. I believe these unauthorized inquiries have had a negative impact on my credit score, and they should be promptly removed from my credit reports. 

I have contacted the credit bureaus directly regarding this matter, but I have not received a satisfactory resolution. As such, I am escalating this issue to the Consumer Financial Protection Bureau for further investigation and assistance. 

The unauthorized inquiries that I request to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documentation to proceed with the removal of these unauthorized inquiries. 

Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

Last year I got scammed. I was trying to sell my shoes on online platform and scammer counterfeit to buy a shoes. They asked for my name, address, and phone number so they can send the check to my address. I gave all that information to them, until I realized it is a scam. I filed a complaint immediately with the federal trade commission. XX/XX/2023, Credit Collection Services sent a letter to me, saying that I owe XXXX XXXX XXXX XXXX XXXX I don't even know the company. I just opened a mail from Credit Collection yesterday because I moved out for my college and my mom comes to visit me on my birthday so my mom brought the letter to me. I don't know what to do. I don't want this to be affect on my credit.
Product: Debt collection

A supposed law firm has been repeatedly calling me. They say they are from Citibank a company I have never opened and account with or one associated with it. everyday from am until pm I receive phone calls from XXXX, CT phone number XXXX. There message reads this message is intended for -- -- -- -- -- my first name and last from in house processing division. I received an order for you it looks like pending matter unfortunately because I haven't been able to reach you I will be pursuing you at your place of employment. and your case number is XXXX press if you want to speak to a representative or contact us at XXXX. So when I call it they tell me their name is XXXX from inhouse processing for Citibank and I owe XXXX from an account I supposedly opened in 2012. I never did nor did anyone trying to steal my identity because I moniter my credit has never been inquired or hit by any card or loan or mortgage by Citibank. I ask there address the company they are calling from they just say in house law firm and XXXX and when I state I have never had an account or card affiliated with Citibank they tell me I will be arrested and good luck in court in front of a judge and hang up. they have called my brothers house and repeatedly called my mothers residence threatening her they will arrest me. I called Citibank and mortgage they cant find anything related to me or my social security number. my mother had to change her phone number due to the threatening calls this is just not acceptable or right If there is anything you can do to help please do. thank you I have never received one piece of paperwork from these people EVER!!! not in mail in person only threatening phone calls.they have also called from XXXX are code and more.
Product: Credit card

I am XXXX, full time employed $ XXXX per annum with CREDIT score of XXXX. My father had Citi thank you preferred credit card, i was an authorized user since XX/XX/XXXX. He died XX/XX/XXXX I closed his accounts and credit cards. This was about 15 months ago. 
I want to start travelling again. I only have XXXX. I have been turned down by Citi, XXXX and XXXX. Either for my age or for closing a credit card within the last 24 months. I need XXXX and XXXX now to prepare myself for a visit to XXXX and XXXX, staring XX/XX/XXXX. Can you assist me?
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.
Product: Checking or savings account

On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Georgia and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect
Product: Credit reporting or other personal consumer reports

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

Account Name 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

I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and XXXX is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after XXXX  deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is XXXX will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.
Product: Credit card

This relates to a Credit Card ending in the four digits XXXX. 

On XX/XX/XXXX I was charged an annual fee of {$99.00} by Chase Credit Cards. I closed the account on XX/XX/XXXX and as communicated by their documentation and to me orally, as long as it was cancelled within the first 40 days after an annual fee assessment, it would be refunded. I began calling on XX/XX/XXXX requesting the refund and kept being told it would happen " automatically '' within XXXX billing cycles. I continued to call during this time period and received no relief. I was referred to multiple Supervisors during this time period and was told my case was being escalated. On XX/XX/XXXX, I talked to a supervisor named XXXX and she said she would escalate the issue again. Then I noticed that my credit card noted above was no longer available to view on my User Log On. So I called again on XX/XX/XXXX and spoke to a supervisor in XXXX, MO named XXXX, and he said he'd refer the matter again and I'd hear something soon. He had to make any new noted on this issued under another accounts since the convienently " purged '' all records, conversations and data from the card ending in XXXX. I've called again on XX/XX/XXXX and XX/XX/XXXX and condinue to get nowhere. Only told I need to speak to a supervisor, however, to do that the telephone wait time is over XXXX hours.
Product: Debt collection

Autovest LLC is bought debt from another company and is pursuing a lawsuit. The company committed an fraudulent act and pulled my credit report under false pretense per 15 U.S.C. 1681q to obtain my current information and address. I did not authorize them permission and was unaware of the inquiry. They do not have permission to have my personal information. Their printouts are photoshopped and robosigned and i don't recall anything that they are alleging.
Product: Checking or savings account

I am trying to close out three bank accounts with Bank of America that are part of my fathers estate. The accounts had to go through probate which was completed and I am the executor of the estate. I mailed the information requested from Bank of America to their estate unit XX/XX/2021. This included the information they requested like the death certificate, letters testamentary, and their forms. 

My first follow up call was XX/XX/2021. On the XX/XX/XXXX call the representative confirmed they had received all of the required information and would put in an escalation request to have accounts closed. 

My second call was on XX/XX/XXXX when I was told it was still in back office review. 

My third call was XX/XX/XXXX. Representative was giving me same story about it being in back office review. Complained that is what I was told last time and the response was that they would put in an escalation request. I explained that was said on XX/XX/XXXX and they claimed not to have any record of that. Call continued and she claims to have gotten a manager involved after putting me on hold multiple times. She said account were approved for closure and that checks would be sent out in 2-3 days. 

My fourth call on XX/XX/XXXX I was told checks were mailed but needed to give it until Monday the XXXX to see if they arrive. 

My fifth call on XX/XX/XXXX. Representative confirmed approval on XX/XX/XXXX but then said something was showing red on document intake. He did confirm they had all documents needed. Same story about escalating it to a supervisor. Said they had 4-5 people working on it which is a hilarious exaggeration. End of the call he said he would call me back either end of that day or no later than the following afternoon. Never received a call back. 

My sixth call on XX/XX/XXXX. First representative transferred me to another representative which was supposed to be a specialist on the case. They had no knowledge or history on the case and it was like starting from zero as with all other calls. You talk to a different person each time. They make you wait on hold an average of 20 minutes before you get to the first person. After you get to them you may be transferred again or out on hold multiple times while they work on it. The call ended with me asking how can I have my attorney contact them and where can he send a letter. The representative would not answer and said I would have to talk to manager. When I asked for that was told they are not available. Representative promised to call me back within 5-10 minutes and confirmed my contact number. Of course nobody called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax since XX/XX/2022 to have fraudulent inquiries removed, I have provided them with numerous sets of documents via both postal mail and fax on several occasions, including Drivers License, SSN Card, FTC Report and Police Report, they have continually assured me that the below list of inquiries will be removed, I recently received a letter from Equifax confirming the inquiries have been deleted from my report ( attached ) and upon checking they remain on my report. This is false information that is on my report, its fraudulent has been proven to be fraudulent and Equifax are not reporting correctly, the letter they provided confirming they have removed the information is a LIE and should be investigated by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the XXXX update my address on the credit report several times. It's incorrect. XXXX has refused. I have also sent in the utility bill and other documents to have the address update..Now there is inaccurate information on my credit profile and XXXX is willingly and knowingly refusing to change it. 

In addition to that, I have tried on several occasions to pull my free annual report and XXXX is blocking that. 


I have also called and sent letters to Experian as well so that they can update the address and its not updated.
Product: Credit reporting or other personal consumer reports

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. 

My only name is XXXX XXXX XXXX My only current address is XXXX XXXX XXXX, XXXX, TX XXXX My social security number is XXXX My birthdate is XX/XX/year> Inaccurate Name : XXXX XXXX XXXX - I do not associate with this name. Kindly remove it and update my report Inaccurate Addresses : XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I have a credit card with american express under my current company XXXX. Prior to this, I also had a corporate card with my previous employer, which I closed in XX/XX/2022 when I changed employers. I have been consistently making payments to American Express over the last few months, but my bank has been sending the money to my old account. American Express never informed me of these unallocated funds sitting on a closed card. I have not received any interest on these funds that they have been keeping. Nor did they allocate the funds to the new corporate credit, even though they're under the same profile and same social security number. When I called them to find out what was going on, and I've been charged {$43.00} as a delinquency fee that they refused to waive. 
XXXX. They should have informed me of the funds sitting there in a closed account under the same profile. Contact details are the same. 
XXXX. At least provide an interest income to offset the {$43.00} delinquency charges XXXX. Transfer the money to the right account as its under the same profile.
Product: Checking or savings account

I am writing to file a complaint against NAVY FEDERAL CREDIT UNION regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.