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

In early XXXX, I visited XXXX XXXX for about 3 days. During that time, I used my personal debit card at 8 businesses, including 2 gas stations. My debit card apparently got skimmed. 

On XX/XX/XXXX, I arrived in XXXX, CA and stayed the night. 

On XX/XX/XXXX, I arrived in Arizona and purchased fuel with my debit card in XXXX, AZ. 

On XX/XX/XXXX, someone began withdrawing cash from an ATM at XXXX XXXX XXXX in XXXX XXXX, CA. 

They continued to return, almost daily, and withdraw {$100.00}, with a {$3.00} non-Chase ATM fee, and Chase Bank never detected this as unusual activity. 

In total, they withdrew {$100.00} ( plus {$3.00} fee ) XXXX  times over the course of 30 days, from the exact same ATM. 

When I noticed the charges on XX/XX/XXXX, I immediately called Chase to take action. 

Despite my debit card records showing that I was in Arizona, and then arrived to my home location of XXXX, NM on XX/XX/XXXX, Chase denied my claim. 

The total I lost in debit card fraud was {$2600.00}.
Product: Credit reporting or other personal consumer reports

My credit report is reflecting on transunion, and XXXX that I have a late payment in XX/XX/2021. This information is incorrect. I have never had a late payment on any account and my payment history will show that. XXXX reflects that I made the payment on time. This error is affecting my credit score and my life. I would like this error fixed as it is incorrect and negatively depicts my financial behavior.
Product: Checking or savings account

Navy Federal credit union has held my funds from me for XXXX years. Via telephone, I have been transferred to the security department to deal with this issue After being on hold for XXXX hours, I was advised to go into a branch. When I went into the branch, they had me call the security center again, which I was inclined to wait there for another XXXX hours for the call to be dropped, and the branch to close. I do not have time to spend sitting in the bank for XXXX hours. Thereafter these uncomfortable interactions, my checking/savings account is no longer accessible online anymore. I feel as if I have been waiting long enough and they are unlawfully holding my funds
Product: Credit card

My balance was paid in full on XXXX/XXXX/2015 resulting in a balance of {$0.00} and interest was charged on XXXX/XXXX/2015 even though the balance was {$0.00}.
Product: Credit reporting or other personal consumer reports

Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are XXXX XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score has been drastically lowered by equifax and XXXX XXXX even though there is no derogatory info on credit report and last hard inquiry was from XX/XX/2022 by a company I dont know of and to my knowledge did not authorize to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. On My report, XXXX XXXX XXXX Account number XXXX is on my account as of today,XX/XX/XXXX. As of XX/XX/ XXXX XXXX XXXX was added to my account as a charge off for University  XXXX XXXX. They are both listed on my credit file and they are both listed as charge offs. These accounts are to be removed immediately from my credit file as they are not mine. I had attached proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed I have two late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late. 

Can you also make sure its one name on my account as ( XXXX XXXX XXXX ) any other name is not me so anything linked to XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, XXXX XXXX is not me.Thank you! Please do not disregard the screenshot attached My only adress is XXXX XXXX XXXX XXXX XXXX any other adress on my account is not me and you will be held accountable for inaccurate reporting by law which I know good. These following addresses donot belong to me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Donot belong to me please erase these addresses as soon as possible, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XXXX XXXX XXXX I tried to place a credit freeze through Transunion. Their process is unnecessarily convoluted and not at all reliable. First I had to wade through innumerable ads to use their own " lock '' service instead of the freeze I already knew I wanted. Then, instead of simply identifying myself and receiving a PIN on one simple page as with every other credit agency, I was forced to sign up for a Transunion account. 

The account creation process itself is an exercise in poor web site security practices, including silently truncating passwords over an arbitrary length, outdated " secret questions '', plain text entry fields for dates instead of date pickers, required manual formatting for dates, complexity requirements that are n't explained anywhere, and misleading or blatantly incorrect error messages. 

Once I fought through all that mess, I finally was allowed to actually request my credit freeze. After adding my payment information and answering the identification questions, I reached the standard commit page that warned me not to refresh the page or press the back button. Once everything appeared to complete and I was redirected to confirmation, the page at https : //freeze.transunion.comXXXX did n't even load! I now have no idea whether my freeze is in place or I have been charged for it. 

With everything that XXXX has done over the last several months, this sort of incompetence on a public facing web site of a credit reporting agency is simply gross negligence. And these agencies have the gall to charge us for their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate DEPT OF ED/XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History and an FCRA violation. Please remove it from my credit report.
Product: Debt collection

On XX/XX/22 I mailed a dispute letter to Jefferson Capital System ( Account # XXXX ) and my mail receipt indicated that they received the letter on XX/XX/22. After 30 days of waiting for Jefferson Capital System to validate the debt they reported to my personal credit report, it is now XX/XX/22 and they have failed to verify that the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors, ( XXXX/XXXX  and Midland Credit Management XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my vivid instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from GM financial and the other from XXXX XXXX. However, I noticed a month later that XXXX is showing a second hard inquiry from GM Financial on XX/XX/XXXX2017. I contacted GM Financial and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact XXXX. I contacted XXXX and was told to get a letter from GM financial in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. GM financial will not send me a letter Because they 're saying they did n't request my credit report on that date. XXXX is not removing the inquiry stating that I need a letter from GM Fianncial. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from GM financial on XXXX XXXX 2017 to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.
Product: Credit reporting or other personal consumer reports

On reviewing my consumer FICO credit report, I discovered several accounts that I did not authorize or recognize. These accounts have resulted in unauthorized financial activities including several hard inquiries and fraudulent collections which has impacted my credit standing. I have no knowledge of these accounts, and they were created without my consent, indicating identity theft and fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the EQUIFAX credit reporting agency , block information appearing in my consumer report that is a result of this identity theft and fraud within four business days of your receipt of this complaint. I demand that the fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I have attached copies of my FTC Identity Theft Criminal Complaint numbers XXXX XXXXXXXX and XXXX along with a copy of the police report number that I filed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I tried to upload a copy of the Equifax credit report which you, Equifax the credit reporting agency maintain but i was unable to attach to this complaint.
Product: Checking or savings account

Back in XX/XX/2021, I filed a police report regarding of my wallet got lost. I replaced all of my driver license, credit cards, debit cards, ... but never received once until I request a second time. In late XXXX, someone used my new driver license to withdraw {$200.00} from my saving account. I filed a fraud claim on XX/XX/XXXX and haven't heard anything from Bank of America. I called Bank of America several times to follow up on my claim but they said it may take up to 90 days so I should be patient and wait. In XXXX, I found out that someone used my driver license again to withdraw {$500.00} from my checking account. I have to open the new claim but I also received the email from Bank of America that my old claim couldn't be honor because they were not notified that my identification was lost or stolen. That was nonsense since back in XXXX they have called me a few times because someone who has my replacement debit cards tried to activate that cards using my name and my address. I called Bank of America again and they said if I want to reopen the claim I have to fax them the police report. Today ( XX/XX/XXXX ) I called them to know the update on my claims but they tried to transfer me back and forth between some fraud departments, and every time they transfer me it takes me XXXX minutes to wait for the line, the last agent I have spoken with was in XXXX, he was in the XXXX Fraud department, he asked me what happened on that claim and then suddenly he said " oh I'll transfer you to the check fraud department right away because that's on the checking account '' and he put me on hold again... I was in the check fraud department earlier but the agent in Texas said my claim was created by XXXX Fraud department so I have to speak to them. That's so unprofessional. I'm just a customer and I just need my money back but they keep pushing me back and forth. The police in my city even caught the guy who stole my mailbox but Bank of America seems not to want to give my money back. I want to close the account but they said if I decide to close my account they won't process my claim and it automatically be denied.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX  to run my credit report on TransUnion nor do I have knowledge of it
Product: Student loan

I want EdFinancial to return the {$30000.00} to my home address. I also want direct contact with the person handling my case to complete this transaction. I have been waiting over a year for these checks to come through. I have submitted numerous complaints to the FSA website and one to CFPB. 
On XX/XX/XXXX, I submitted a complaint to FSA ( case # XXXX ). I received a response on XX/XX/XXXX, stating that their review determined that they located the two submitted checks amounting to {$30000.00} from XXXX and have issued a refund back to XXXX. I waited until XXXX to call EdFinancial for a status update, but the customer service representatives were no help, and there was no one else to talk to get an update. I have attached their XXXX response. 
On XX/XX/XXXX, I submitted a complaint to CFPB ( case # XXXX ) detailing the events that occurred. EdFinancial responded on XX/XX/XXXX, and stated an error was identified when processing the refund to XXXX. No one from XXXX reached out, saying there was an issue refunding the money to XXXX. Do they need wiring instructions or an account number? Instead, the solution was to send the money to XXXX, and XXXX would then send to XXXX. The letter from EdFinancial states the money was sent on XX/XX/XXXX, and will take about 60 days to complete. Sixty days from XX/XX/XXXX is on XXXX XXXX. I have attached their XXXX response. 
On XX/XX/XXXX, I submitted a complaint to FSA ( case # XXXX ). Since it was closer to the 60 days, I decided to get a status update on the refund to XXXX. Their review confirmed on XX/XX/XXXX, XXXX payments totaling {$30000.00} were sent to XXXX via the XXXX XXXX and XXXX XXXX ( XXXX ). However, it can take up to 60 days from XX/XX/XXXX. I have attached their XXXX response. 
I called EdFinancial a couple of days after the XXXX XXXX since it was past the 60-day window EdFinancial stated in two separate letters. I spoke to the escalation team, who informed me that it was 60 business days, and I must wait for the transaction to go through. I can not speak to anyone at the XXXX XXXX XXXX and the XXXX Department. 
Sixty business days from XXXX XXXX were on XX/XX/XXXX, and there is no wire transfer from EdFinancial to XXXX. This is unacceptable! I need someone to be direct on the items required to resolve this situation instead of me waiting MONTHS to figure out that there was an issue.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my identity was breached data breach fraud theft I turned it in and turned it in since XXXXXXXX XXXX XXXXXXXX my information has been sold twice last year and once this year I have hackers since XXXX every company I go with the hackers follow Me I have been fighting this by myself because no lawyers will take my case even tho the lady at Experaian and using my information going by XXXX XXXX and I got her and she hung up on .me and and another Lady from another company. Using my information too Going by XXXX XXXX used my information she worked at XXXX AND THEY LIED AND SPEAD THE LIES ON MY CREDIT report and I got threatened by there kin folks the same day she got busted and they wanted me to sign there paper and if I didn't they would do fraudulent things and lead it back to .me and they said they would use kids against me and they did everything I have been explained myself for a year and 5 months now and I still have the hackers bothering me and I got 4 accounts at XXXX AND THEY REFUSE TOO SHUT THEM DOWN THEY LIED UNDER OATH I DIDNT KNOW ANYTHING ABOUT THIS BANK UNTIL XX/XX/XXXX I TRIED TO OPEN ACCOUNT AND THATS WHEN THEY TOLD ME I DIDN'T KNOW I GOT A SETTLEMENT OR I DIDN'T KNOW ABOUT THE TAXES EITHER I DIDN'T OWN a phone back then I didn't get a phone really XXXX that I kept and I get social security XXXX and I have received it XXXX and I don't know anyone outside of the United States either my mother died in XX/XX/XXXX her name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the only child I have been married 4 times married the XXXX XXXX twice Long.Anyway I don't know who my father is I was born and raised in XXXX TN I have only been in two States XXXX all of my life except XXXX XXXX XXXX so I don't have nobody outside of the United States I am a united state citizen and I am a victim not a criminal and I have been treated unfairly and My rights have been violated and I am stand alone this is unfair that I have been telling my story for a year and 5 months now
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights were violated, XXXX still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX XXXX  is reporting closed but its open. XXXX and Equifax are reporting its closed as well. XXXX has a fraud alert in which i asked several times to remove, Equifax are reporting fraud inquires
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

ON XXXX XX/XX/2021 I've initiated 2 money transfer using REMITLY to XXXX. The amount in XXXX is Payment Details Submitted XX/XX/2021 XXXX XXXX PDT AND the second one Submitted XX/XX/2021 XXXX XXXX PDT Reference No. XXXX XXXX XXXX XXXX AND XXXX XXXX. XXXX Delivery XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Available XX/XX/2021 XXXX XXXX PDT XX/XX/2021 XXXX XXXX XXXX Payment Method XXXX XXXX XXXX XXXX Acct. ending in XXXX Amount Sent XXXX XXXX  AND Fee XXXX XXXX Total Amount Charged {$1700.00} XXXX Net Recipient Amount R {$10000.00} XXXX XXXX Rate 1 USD = XXXX XXXX AND Amount XXXX XXXX They receive XXXX XXXX Sent on XX/XX/2021 Remitly may earn revenue from the conversion of XXXX to other currencies. 
THE AMOUNTS WAS NEVER DEPOSITED AND SINCE THEN I HAVE BEEN CONTACTING REMITLY FOR MY MONEY BACK AND THEY KEEP SAYING THEY DONT KNOW B/C THE MONEY WAS TRANSFERED TO THE PARTNER BANK THAT IS NOT RESPONDING TO THEM AT THIS MOMENT AND THEY ARE AMKING ME WAIT FOR ALL THIS TIME.
Product: Debt collection

In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX began reporting this account derogatory in XX/XX/XXXX. It was only when I retrieved a copy of my credit report on XX/XX/XXXX that I noticed this erroneous, inaccurate entry on my reports. I have not received any correspondence from this company regarding this entry. XXXX did not provide a dunning letter as required by law thus violating my rights to dispute the validity of this claim. 

I have never did any business with XXXX nor have I ever entered into a contractual agreement with them. XXXX should have provided : *An agreement that states their authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of their bonding agent for collection agency in case legal action becomes necessary Further, XXXX should provide a copy of the financial responsibility page as well as any and all documents that bear my original signature and consents to XXXX having access to the alleged information associated with the alleged debt. Too, XXXX did not allow me to request that they cease any and all collection activities and reporting until I can validate the alleged debt. 

It appears that XXXX is in direct violation of my consumer rights and therefore, is negligent in reporting this entry on my credit reports. DELETE this entry immediately.