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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

VANCE & HUFFMAN LLC Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX KS XXXX Amount XXXX I DO NOT consent to, benefit from or authorize any of the following inquiries
Product: Money transfer, virtual currency, or money service

Western Union sent me an email that a money transfer was done under my account. The money was transferred under the same transaction just a different name using the same phone number. One of the verification processes used by Western Union is to show proof on the cell phone that they received the transaction. Western Union pick up location did not use that verification method because it wouldve been impossible for that person to have the same cell phone number of my previous transfer. Western Union is saying they are not responsible for the fraud and that the {$2000.00} that was stolen from my account is not their responsibility. They have a responsibility to do business in the United States of America to provide, multiple verification processes for transfers. They did not go through this process and they owe me my money and you should not allow them to conduct business in this matter. If you need to reach me, call me anytime XXXX. My name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CHRYSLER CAPITAL Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

delete hard inquiries accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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

these accounts don't belong to me. Please remove them from all 3 credit reporting agencies. 
Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXXL XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX, XXXX. 
Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX BANK NA Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Account Number : XXXX This is not mine. 

30. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

31. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

32. Identity Theft XXXX Account Number : XXXX This is not mine. 

33. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

34. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

35. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide original documentation that shows that I actually own this account. I need all documentation that shows my signature on this so called account. This will give me more information to review to see if this account actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Description : When I left Virginia I paid off all my bills including paypal, Then Months after I moved I get a bill with late charges that I never made. I called them when I received my bill just saying pay this amount. I told them I have not made any charges since paying it off. They asked me if I denied the charges I said yes I did n't buy anything. They wouldnt even tell me what the charges were, they said they seen that I paid it off and there was charges after that. I told them I did n't make any charges and told them to put it through Fraud. I then received a letter in the mail telling me I 'm responsible for the bill that I did n't make and I appealed the decision, I never heard back anything and then I get another bill with a another late fee or XXXX. I am not paying for charges I did not make and they are not resolving this
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and took a loan under my name from a company that goes by the name XXXX XXXX. I have never taken any loans or done any business with this company. I have tried disputing it with them as well as the bureaus and nothing has been done.
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the recent denial of my fraud claim by Bank of America. On XX/XX/2024, I contacted Bank of America 's customer support to report several unauthorized transactions on my debit card. These transactions amounted to a significant loss of {$6900.00}. Understandably, I was in a distressed state of mind due to this substantial financial loss. 

During the initial call to file the fraud claim, I provided all the necessary information and answered the questions posed by the representative to the best of my ability. However, in hindsight, I realize that I may have inadvertently provided inaccurate information due to the extreme stress I was under. Specifically, I erroneously stated that I still had possession of my debit card, when in fact, I had lost both my wallet and phone for awhile and soon after was hit with many charges throughout the weeks. 

Despite my cooperation and submission of all required documentation, I received no further communication from Bank of America regarding the status of my claim. To my dismay, I later discovered that my claim had been summarily closed without any explanation or notification. This decision has left me feeling deeply aggrieved and betrayed by a financial institution that I have trusted for many years. 

It is important to note that such large transactions are entirely out of character for me, and I have never made purchases of this magnitude in my history with Bank of America. Furthermore, I strongly believe that my phone was compromised and used for these unauthorized transactions, as I recently experienced a hacking incident. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that I am treated fairly and justly. As a consumer, I rely on the integrity of financial institutions to protect my interests and assets. The denial of my legitimate fraud claim has not only caused me significant financial hardship but has also eroded my confidence in Bank of America 's ability to safeguard my accounts. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf and XXXX Bank of America to reopen and thoroughly investigate my fraud claim. Additionally, I seek restitution for the losses I have incurred as a result of their negligence and mishandling of this matter. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the restoration of my faith in the banking system.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, XXXX I made a Donation to XXXX to a party to build the wall XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA of {$80.00}, They took out an extra XXXX and XXXX returned the {$12.00} back into my account. Later they asked me did I want a RFUND of the XXXX dollars, I said yes. XXXX  returned the {$80.00} after I closed my SERVE  account. AMERICAN EXPRESS is refusing to give me my Money. I closed the SERVE ACCOUNT because AMERICAN EXPRESS went into my Account on XX/XX/XXXX and took out {$79.00} and {$98.00} for XXXX, and I asked them why they did that : I previously had paid XXXX {$39.00} for a one year service protection for my computer. I have all my receipts and emails from them. But for whatever reasons, somebody went back into my account and tried to recharge me, and I disputed the charges and closed the account because, I felt something not right. After I closed the SERVE ACCOUNT XXXX  returned my XXXX dollars back into my SERVE ACCOUNT. AMERICAN EXPRESS knows this and they DO NOT WANT TO GIVE ME MY MONEY. THEY are outright HOlDING MY MONEY, they said they were sending me a check in the mail. As of today : XX/XX/XXXX. I have yet to receive my {$80.00}. I had this account with this for over three years and never had a problem, and all of a sudden I had this problem, and they keep putting me on holds and hanging up on me ABout my Own Money.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$4900.00} XXXX XXXX - XXXX - {$4200.00} XXXX XXXX  - XXXX - {$6000.00} XXXXXXXX XXXX XXXX XXXX - {$2900.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions.
Product: Checking or savings account

The charged a monthly maintenance fee again after reimbursement from same complaint to you in last 40 days
Product: Money transfer, virtual currency, or money service

I looked at an advertisement from XXXX, stating 150 % credit back, I went to look at it- chose items, and went to my cart to see if they were going to give me the discount, they DID NOT, so I exited the app. I NEVER HIT CHECKOUT! And they went into my cash app and took it!! My card was locked ... .I don't get how they can just take it. I called them immediately- they filed a report. AND DID NOTHING, as usual. I got scammmed last sunday- on a home rental. I gave a deposit on the home- and the lady took the keys and lease, and RAN! I filed a police report- and cash app refused to refund my money- or even try to help. The first transaction was {$360.00} total for the deposit + XXXX misc. The second ( XXXX XXXX was {$86.00} These are very expensive transactions- and I am on ssi ... minimal income. I need my funds! Please help me. Not only this- but while I was incarcerated- an acquantance got ahold of my wallet, and phone and managed to take {$2300.00} out of my cash app. She boldly sent the money to herself in several transactions... then the rest were atm withdrawls!! I never authorized these transactions. I got out about XXXX XXXX months ago- thinking I had money, but she XXXX me out!! I tried to get the funds back, and she denied it- even though I have these transactions in black and white on my account. Cash app didn absolutely nothing even though I sent them my discharge papers from the prison. Cash app needs to be dealt with. I haven lost thousands with them.
Product: Debt collection

I am a XXXX XXXX, who is going through financial hardships, The amount reported to collection is {$1700.00}, as it was opened XX/XX/2022. I have reached out to the company to resolve the situation but we could not reach a resolution.
Product: Prepaid card

I was issued a pre-paid visa card by my employer. The card had expired, but had a balance of {$290.00}. There is a {$3.00} fee being charged each month. 

The website related to the card is still active, but there is no customer service live person option to report a missing or stolen card. 

According to the card agreement on the website, the card was administered by Blackhawk Networks. The process to report a stolen or missing card via email also references Blackhawk Networks.

When I called Blackhawk Networks, they acknowledged the initial purchase of the gift card. Then, they denied that the card was under their administration. They refused to issue a new card with a valid expiration date. I have no way to access the cash -- and they will draw down a {$3.00} fee for years until the balance of the card is used up.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 i went to a XXXX dealership to lease a new vehicle and i was surprised with XXXX different hard inquiries on my credit report from banks i never authorize to get a copy of my credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I paid my last statement in full and wanted to take advantage of a 0 % transfer credit free that would expire in XX/XX/XXXX. I transferred over {$1200.00} on XXXX subject to a {$50.00} transfer fee. I received my statement and instead of applying the {$1200.00} to the 0 % promotion, they only placed $ XXXX to the promotion expiring in XXXX and applied a return credit to that 0 % transfer balance instead of applying it to my existing balance which will be subject to 27 %. I was misled and spent almost a XXXX hour on the phone with customer service with no resolution. This company misled me by saying that my entire balance transfer would be subject to 0 % until XX/XX/XXXX. Extremely shady business practice and I wouldn't be surprised if they were doing this to more people.
Product: Credit reporting or other personal consumer reports

I have submitted a FTC report. I have called and emailed about these unauthorized inquiries that are still appearing on my credit profile. Equifax keeps responding that the inquiries are actual correspondence and will remain on my profile. Equifax is simply mimicking the response per dispute. Per FCRA I have asked that Equifax provide me with their method of verification and who verified the inquiries. If Equifax can't provide me the name and contact details of the furnisher then the inquiries must be removed. Here is the list of inquiries that I want to be removed : XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated calls from different numbers. The caller i.d . will show local retail store numbers and or local business numbers. I informed the collector I will contact the original creditor because this debt was from my ex husband insurance.caller then stated the original debtor could not talk to me because the account was theirs now. I have disputed the information from my credit bureau as well.
Product: Debt collection

Capital one creditcard I have this credit card for more tha a year they used to charge a late fee every month in my bank took the money on time out of my bank and they report it late so they can charge for a late fee I call them about but last time they claimed they did resive it in my bank was allready taken out 10 day before but istill claimed they did have it so I closed this account they said I was responsable for the balance money I told them I agree but no for their stolen late fees they claimed I owe them the are stealing is a crime but the are stealing with their fake late fee
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2021, I had tried to remove all public records information from all the major credit bureaus such as XXXX, XXXX, Experian after I was told that the Bankruptcy office doesnt report personal information of any kind to the credit bureau and that the credit bureau uses outside resources to rely on their information which may stand a chance of being inaccurate According to 1681b Permissible purpose of consumer reports ( I never gave any company permission to publish my credit history )
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  MEDICAL DATA SYSTEMS INC for reporting credit information to the credit reporting agencies that was a  result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX all showed my name and report as having an account with XXXX Credit Cards. XXXX dispute was good and the bad information was removed. Equifax will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but Equifax have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Product: Mortgage

My dad XXXX XXXX on XX/XX/XXXX. I made the mortgage payment on XX/XX/XXXX to make sure the account was kept current and at that time requested an email letting me know what would be needed for me to be able to sell the house. 

I have emailed and called in an attempt to receive the needed paperwork to sell his house twice a week for this entire month. They have refused to send me the necessary paperwork so I can sell the house. Several times they have even refused to let me speak to a manager. I have email confirmations and all the of the times called. 

Every single call I have had to explain that my dad XXXX XXXX   and no one has given even the most basic of information. 

This is completely inappropriate and financially devastating to my family.