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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX XXXX XXXX XXXX. As a victim of XXXX XXXX, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit card or prepaid card

This account was open in my name and I didnt know about it. I have no knowledge of this account this was a fraudulent account.
Product: Credit reporting or other personal consumer reports

I would like all addresses removed from my credit report except the following : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did give consent for my information to be used I have been at the same address and have a business address. The addresses listed above are my only XXXX addresses.
Product: Checking or savings account

I got a call from chase bank XX/XX/XXXX stating that someone tried to use my account to make a purchase in XXXX Georgia and wanted to know if it was me trying to make the purchase. I told them no it was not me and went through the proper channels of closing my account. This person who called had my first and last name account numbers address literally all of my information as well as the Chase bank information. Later in the day I checked my account and saw that close to {$1500.00} was removed from my secondary checking account from an ATM. I immediately called chase back the same day and reported it. I have NEVER taken money out of this account via ATM and this account has been active for over 7 years at this point. This account originally started as a savings account so it isn't linked to my bank card I can only access money from this account by transferring it from this account ( my secondary ) to my primary account. They claimed they never called me about the previous fraud charges. I spoke to a representative and he confirmed that I had been frauded and went through the necessary channels to put in my claim. I called them back several times after this on the XX/XX/XXXX, XX/XX/XXXX, and then again on XX/XX/XXXX to check the status of my claim to which they expedited a credit for my account. I asked them on every single call how it were possible for someone to remove funds from an ATM from my secondary account when if I went to the bank myself with my card I could not pull funds from an ATM from this account because this account is not able to be accessed in this way. They could not provide me with an answer and stated " Thats what they're investigating. '' I thought this was the end of it until I received a notification from my chase app today XX/XX/XXXX saying that the funds credited to my account had been removed again leaving my account balance in a place of concern for me. I immediately called chase again and literally spent the hours of XXXX trying to rectify this situation as I have OBVIOUSLY been frauded. Again I have had this account for over 7 years. I have never made an ATM transaction from it and this is literally my first time ever making any kinds of fraud claim on it. They could not provide me with any real information as to why they denied that this was fraud even though they told me my account had been added to someones XXXX XXXX that was not my own. I asked them again how it was possible multiple times for someone to use XXXX Pay to remove funds from an ATM from my secondary account when if I went to the bank myself with my card I could not pull funds from an ATM from this account because this account is not able to be accessed in this way. Nobody could provide me with any answers on this still. I am aware that I am protected from liability through Regulation E which makes the denial of the reimbursement of my funds even more strange. below I have attached bank statements dating back since I opened the account showing that I have never made an ATM withdrawal from this account as well as confirming that this was a savings account.
Product: Money transfer, virtual currency, or money service

loosing access to google account because of google pay
Product: Credit card or prepaid card

Between years of XXXX to XXXX. I have opened two visa credit cards with Bank of America one was at XXXX XXXX XXXX XXXX XXXX, CA XXXX another one was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. 
Both Credit cards never arrive to my home address after more than a month, I called Bank of America to tell that i didn't receive my credit cards after more than a month. they asked my cell phone number and sent me a code to verify. after a few days, i received a new credit card with a new number and then after another a few days i received another credit card again with a different number. i called bank of America again to tell them that i received two credit card with two different number, they said they are the same. 
i went to the Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX tried to cancel my two credit cards, but didn't successful. i have called many times and fight a lot with Bank Of America then they cancelled my credit cards.. 

I think they are cheating customer to open more credit cards. 

i had a problem with BOA with opening credit card at XXXX XXXX XXXX, ca XXXX.
Product: Credit reporting or other personal consumer reports

Jefferson Capitol - XXXX XXXX I was in XXXX XXXX at the time this account was opened without my knowledge or understanding that i could even apply for credit at that age. This is identity & credit fraud and i need this removed from XXXX, XXXX and XXXX
Product: Debt collection

In XX/XX/2018 a vehicle was purchased and I was listed as a co-signer. After the primary borrower neglected to pay I never received notification that the primary borrower was behind on payments. After the car company sold the vehicle for more than the balance owed on the vehicle and is still attempting to collect it. I am asking that this car company provide the bill of sale for this transaction which proves I do not owe anything for this vehicle. Also, I would like them to prove that they notified me when the borrower failed behind on payments. According to the Fair Credit Reporting Act, creditors must notify borrowers and give them at least 30 days to dispute the validity of debt before placing it on someone's credit report, this right was denied to me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my request to have 3 separate bankruptcies removed from my credit report in XXXX, XXXX, and also XXXX. Equifax informed me that they were unable to verify my identity. I sent over copies of my id, ssn, and proof of address several different times. I have the certified receipt showing that it was delivered XX/XX/2020 with a tracking number of XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE THE TIME OR THE MONEY TO KEEP SENDING ITEMS CERTIFIED JUST FOR EQUIFAX TO SAY THEY DID NOT RECEIVE IT. I also sent them copies from their own 3rd party verification department which is XXXX showing they have deleted the bankruptcies from my report, yet Equifax is refusing to remove them and it's causing me issues with me purchasing my home. I don't understand what the issue is. It is against the law to report un-factual information but yet it's still being reported due to them being paid to report. Equifax has already been sued in a class action lawsuit. I am requesting that it get deleted from my report immediately or i will sue Equifax. CFPB is suppose to assist consumers with things like this but yet this is my 5th complaint and nothing is getting done. 
Desired Results : REMOVE THE BANKRUPTCIES FROM MY REPORT Why : It is not verifiable and their 3rd party verification department XXXX XXXX has already deleted 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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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 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: Debt collection

Continental finance / celtric bank this company I spoke to them years ago they where supposed closed the account due to unknown charges on card they agreed to they went under a different name it wasn't on my credit for years then all of sudden it's back on my credit report saying charged off/ sold to Cks when they knew I was in the XXXX data breach back then. I have my identity theft report and my XXXX breach no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further review of my credit report all of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has several violations. Ranging from incorrect open dates to incorrect information. This is ground for removal and they also violated my rights under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My ( 2 ) federal student loans with Nelnet are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account was hacked through the coinbase website on the early monring of XX/XX/2021. They used coinbases secutiry features to remotely access my account/phone and reset my password and change my phone number. " They '' bypassed all of Coinbases security features and stole {$14000.00} that I had in my account. They also started withdrawls from my checking account that totaled in amounts over {$3000.00}, I was able to cancel these transaction I have contacted Coinbase numerous times. They have no live support, I was emailed a case number and have not heard anything back sense.My account was locked and I am no longer able to access any of my info. After doing some research it appears that it is common for Coinbase to give people a support ticket and never follow up. I want my money back from coinbase. It appears that people having money stolen from or by Coinbase is very common.
Product: Credit reporting or other personal consumer reports

I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX Transunion and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS
Product: Credit card or prepaid card

I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint myself and to inform you that there is no third party involved in the process. Im now submitting this complaint today to inform you as well as the Credit Bureaus that I was a victim of identity theft. I have researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6300.00} XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This company fraudulently reported to the 3 credit bureaus that my loan balance increased and it didn't. This caused my credit score to drop. I logged into my XXXX account today ( documents attached ), and it shows that my balance is XXXX, not XXXX as XXXX reported. I disputed this account with the with the 3 credit bureaus and XXXX responded to them fraudulently that my balance is XXXX. This is not true. The credit bureaus refused to update my balance despite the fact that I uploaded documents showing the correct balance. Please address this matter with XXXX, and if necessary the credit bureaus, since my attempts to get them to report truthfully have failed to force them to update my account.
Product: Checking or savings account

On XXXX I filed a dispute report with beyond compelling information for an approval, the bank then closed my account and removed my access to in app help and account access. i then received a acceptance from the merchant and I notified chime representatives, they stated funds regarding dispute would still be handle efficiently and quickly despite account closing, through the course of weeks Ive been following up with both merchant and chime ( recorded calls ) to ensure success of the mailed checked totaling XXXX for this dispute mainly but any any other amounts because I dont know what the value was prior to closing in any of my accounts as the closing was immediately no warning, instant account ban and no information given on why when I consulted chime agents just general book read information was given. They have lied about dates, denied me assistance and service, neglected me on numerous occasions, lied about the status of the dispute one days its done one day its not when I call in, sometimes the reps just hang up with the up most disrespect. 

Unfortunately, Chime has not performed well and the service i received was inadequate because representatives arent knowledgeably equipped or cant see that information as stated by representatives on numerous occasions leaving me the customers with XXXXXXXX XXXX, elevated XXXX and XXXX, no resolution, clarification or effective helping explanation for the actual issue at hand regarding chime withholding money, and discrimination. I am disappointed because the amount of help I got as a customer being a member for so long vs now having my account closed, has been the complete opposite of care, or the sympathy I got before it is extremely unacceptable especially when the problem can be easily completed as the merchant has already accepted dispute I even stated this was a life or death situation to the representative on XX/XX/28 as chime abruptly ended account and made all funds inconsiderately unavailable as I can no longer survive due to all funds being tied in one account leading to deterioration of life and jump starting my XXXX including XXXX, my symptoms have gotten extremely bad since then and extremely heightened after calls of bad service with chime, chime is basically holding up the line because they can and I am not a member now and this is just completely unfair to me and causing a ripple effect of chaos and struggle in my life, physically and mentally. The longer this weighs on me the more mental problems arise making my condition worse. 

To resolve the problem, I would appreciate and encourage chime to collaborate on a unique resolution that can satisfy the customer and bring healing instead of inhumane robotic behavior and actually help get this already done chargeback ( on merchants end ) to be done on chimes end chime is simply holding up a line for a time sensitive situation because they can, its unfair and I just really want this dispute completed and processed on chimes end immediately as the merchant has already accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I apply for a mortgage, while in processing, I was told to call all three credit bureaus, to have them removed the dispute, while going through underwriting. I notified immediately, and was given confirmation numbers, but my lenders states it still showing. This process have been about a month, and the are refusing to remove the dispute, even after they stated that it would only take ( 72 ). But has not been done
Product: Checking or savings account

On XX/XX/2022 I opened a checking account with Chase Bank. Two weeks later on XX/XX/XXXX, I had not received the debit card. However, someone went into a Chase Bank on XXXX and XXXX in New York City and withdrew a combined amount of {$4500.00}. {$3500.00} from a checking account and {$1000.00} from a Savings Account. Overall, 2 of my checking accounts and 1 savings account were impacted. They transferred {$2800.00} from my checking account to my savings after removing all of the money from my savings.The bank manager called me and said the teller described that the person who withdrew the funds had an " odd demeanor '' and asked their manager to call and see if it was me. I let them know that the person who withdrew the funds was not me but the fraud had already occurred and the person had already left. I froze all accounts and placed one complaint on XX/XX/2022 and another on XX/XX/2022. I have yet to receive the money back in my account- something I was told would be done as they investigated the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX  XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 )  XXXX 12 ) XXXX XXXX  XXXX XXXX 13 ) XXXX XXXX XXXX 14 )  XXXX 15 ) XXXX XXXX
Product: Checking or savings account

I might be qualify for damages of my checking and Savings account at the time between 2016-2022