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

Thank you for your attention to my credit report and for removing some of the incorrect information. However, there was still a one inquiry that needs further review and removal. I recently checked my updated personal credit report and I noticed this unauthorized credit inquiry still remains on my personal credit report. I contacted this company and asked it to remove their credit inquiry from my credit profile. I request that you initiate an investigation and removal into the below inquiry on my credit report to determine who authorized this inquiry. If, once your investigation is complete, you find my allegation to be true, please remove this inquiry and send me an updated copy of my credit report at the address provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Checking or savings account

Three Bank of America Business Bank Accounts opened fraudulently in our Company name, XXXX XXXX, using our correct Tax ID. We attempted to have the accounts closed by reporting this to the Bank of America Fraud line, and each time the Representative terminated the call after long waits. Today, we visited a local Branch to have the fraudulent accounts closed, and after waiting several minutes in long lines, left again with no action taken. 
This is an urgent priority for our small business- but we can not get Bank of America to resolve this expeditiously.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX XXXX XXXX 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

There is an account on my XXXX Report from XXXX XXXX XXXX XXXXXXXX the Creditor Information is below. 

RENT RECOVERY SOLUTI XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX AMOUNT : {$62.00} However, I am not aware of this charge and have no knowledge of this account. Therefore I filed a dispute to all Credit Bureaus and all removed this account except XXXX. I do believe this account should be removed from XXXX. Hope you can help.
Product: Debt collection

I received calls at XXXX threatening my financial future using profanity and unfair unethical demands. 

Come to find out, all debts are already paid.
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 accounts or information which is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reappearance of two collections on my credit report. On XX/XX/year> these collections were deleted from the credit bureaus ; however, a week later, they were reinserted without proper notification. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), I should have been notified in writing within five business days if a previously deleted item was reinserted. As I did not receive such notice, I am requesting an immediate investigation and removal of these collections from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + {$11000.00}
Product: Credit card or prepaid card

I'm writing in regards to my partial XXXX - XXXX credit history with late payments. During this time I was on XXXX for most of this. My father was sick as well during such time as XXXX was in effect. He passed away. Since XXXX of XXXX I paid off my balance and have been keeping on track with payments since. As everything revolves around credit these days i'm trying to buy a house these delinquents are affecting this process. I was going through a tough time dealing with things being out to sea during the pandemic. I'm asking to please have these removed from my credit history so I can move on from the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct. XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Equifax to dispute to inquirers on my credit report. They wanted me to run all around the world just to get some information to dispute it.XXXX Took the dispute right over the phone just with me verify who I am. Equifax didnt do that. Talk to the manager and he didnt want to help me either, I really dont know why Equifax has a fraud department when they dont want to help the consumer with fraudulent items on their credit report. 
Friendly XXXX XX/XX/2020 fraudulent XXXX XXXX XXXX XX/XX/2020 fraudulent These are the two inquires thats on my credit report and theyre Fraudulent.
Product: Money transfer, virtual currency, or money service

I have screenshots and 137 assets missing they said I have no assets in the account and everything is liquidated so I have screenshots for the soul stuff. I have screenshots with the account was opened back in XXXX and now I have no access to it no money Webull trading
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to Experian, XXXX, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received an email from XXXX XXXX the senior loan processor for Discover Home Loans on XX/XX/2024 stating that they are unable to proceed with the application and the application will result in a decline due to the requested documents not received. I have always submitted all documents requested in a timely manner especially the income documentation. There was an issue months ago when XXXX XXXX stated she was having issues contacting The Port Authority of NY & NJ, my employer. I explained to her that my employer uses XXXX to verify its employees. I gave her XXXX 's information : email : XXXX ; telephone number : XXXX option 4, and Fax : XXXX. I can only conclude that there is another reason as to why this loan was rejected considering I already supplied all requested documentation and also there was never a new request for additional information for this loan from anyone at Discover Home Loans.
Product: Credit card or prepaid card

I paid my bill by check on XXXX. Payment was credited once on my statement, but debited electronically from my checking account twice ( XXXX ). On XXXX, my checking account was credited XXXX. That would have been the end of it, but then XXXX presented the actual paper check on XXXX. Repeated calls to XXXX to check my transactions were met with " we do not show a transaction for XXXX at all on XXXX. '' I spent many hours with XXXX bank trying to straighten out what appeared to be their error. Corporate XXXX was of little assistance, as they gave little or no details, just kept saying I had to straighten it out with the merchant. Once my local bankers explained how payments are processed ( electronically vs. paper ), I could see it was XXXX that was the problem. Each time I call Comenity I get a different person. On XXXX XXXX XXXX XXXX told me to have XXXX fax over supporting documents and request that my account be credited for XXXX. I immediately had that accomplished, and heard nothing. One document that XXXX provided showed the two debits to my account on XXXX and two credits the same day. The second credit did not go through, as indicated by an icon next to it. XXXX XXXX XXXX on XXXX said that XXXX was requesting " unedited '' bank statements. Her comment was " What do they need that for, this is cut and dried. We owe you XXXX. '' She said that with the weekend and the XXXX holiday, it might take until XXXX to get it fixed. Today, XXXX, I get 2 envelopes from XXXX, both containing the exact same letter requesting unedited bank statements. Is n't that odd? They duplicated the letters just like they duplicated taking money out of my account! I called XXXX again at XXXX XXXX. I believe it was XXXX this time. After explaining the whole saga again, he said this was above his level, please hold for a supervisor. After several minutes, he came on again to let me know he was n't ignoring me, just waiting for a supervisor to pick up. Back on hold for a minute and then the call was cut off. I do n't know if XXXX was hacked, but them sending my paper check through 5 weeks after receiving it seems scammy. I have been exceedingly patient up until this point, but have spent WAY too many hours of my precious personal time taking care of and being upset by their incompetence, let alone being lied to. I was fortunate enough to have had a buffer in my account or this would be worse. I now need that buffer money to pay bills.
Product: Checking or savings account

XX/XX/23 : My existing debit card number was fraudulently added to a XXXX XXXX XXXX XXXX per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware of at the time since no text alerts were delivered. Immediately a fraudulent request to replace my debit card was made per an email received at XXXX XXXX XXXX XXXX XXXX. I was unaware at the time since no text alerts were delivered. I never lost my card. 

A fraudulent {$1000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. A fraudulent {$3000.00} ATM Withdrawal was made at XXXX XXXX XXXX at Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX. I was unaware of at the time since no text alerts were delivered. They ultimately made the fraudulent transactions using the new card # despite my not receiving the card until a week later. 

XX/XX/23 XXXX  : I personally became aware of a problem since locked out of my online access when attempting a routine account check and had unexpectedly received a new debit card. Made multiple phone calls, but was unable to connect with the Chase Fraud Dept since it was after XXXX XXXX  XXXX. I was going to call back first thing in the morning and I was able to change my password. I had been on a silent hold for over an hour. 

XX/XX/23 : At XXXX XXXX XXXX while I was still sleeping ( XXXX XXXXXXXX XXXX XXXX, presumably the same fraudulent party hit again by again changing my password. Chase approved a fraudulent business account which then got linked to my username and accounts. Subsequent fraudulent actions were made draining two personal checking accounts. {$2500.00} on a different account and the account originally hit for {$1300.00}. 

XX/XX/23 : Upon waking up and discovered what had happened along with reading new emails, I then contacted Chases Fraud Dept to report the activity, file a claim, and attempted to take security measures. At XXXX XXXX XXXX, received a new email confirming while on the phone to stop sending text messages to an unauthorized cell # which was fraudulently added to my contact phone numbers without any alert. I ended up changing my User ID and Password this time and things were quiet for the time being. 

There would be subsequent unsuccessful fraudulent attempts to compromise my account which led me to terminating online access and 3 different new debit cards. They still tried hacking in leading me to change my User ID and password on two different occasions to no avail. Chase has been extremely difficult to work with despite over a dozen phone calls made plus vague denial letters.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal ioTrade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

The company - CREDITORS DISCOUNT & AUD - continues to place an account that does not belong to me. According to the information they placed on my credit report they indicate it is for " XXXX XXXX ''. Fact 1 ) I have not been to an emergency room in a long time, if ever. Fact 2 ) I have requested them to provide proof that this is my debt, and they have not only refused, they have not provided any.
Product: Debt collection

For over XXXX year, I have been receiving calls from First Credit Services. They have been trying to collect debt that I have already paid to my local gym. Even though I told them that I paid the debt, they still tried to get me to pay them. I Went to the owner of the gym and told him about it. He sent an email forwarded to me to confirm that I have paid off the amount which is {$120.00}. This was on XXXX XXXX, 2023. I received an email back from first credit services on XXXX XXXX, 2023 stating that The account has been closed and updated in their system. To this day, I still receive phone calls stating that the account is still open, and I still owe money, even though it has been resolved last year. I sent an email again to confirm that it has been paid and resolved, but they still keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.
Product: Debt collection

Creditor contacting a number which their client no longer currently lives.
Product: Credit reporting

I have disputed the XXXX inquiryy dated XX/XX/2016 and Equifax keeps responding stating that it is factual. I have a documented letter from XXXX stating that the inquiry should be deleted. This inquiry continues to lower my credit score. Equifax wastes no time reporting negative items, so what is taking them so long to delete this inquiry?
Product: Checking or savings account

I bought items that were returnes but the processing of the return failed for an unknown reason so i was advised to get my bank to refund it. Then now the bank has just stalled and stalled and it only takes a moment to see the error in the account ab that im owed it on the original purchase. I know there is no reason to wait months to check into it. I feel they wont help me. 
I had deposited XXXX last month aswell and was told the hold would be 24 hours. But they held it so long i had to contact the better business bureau then to get my money. This bank is ridiculous and very unprofessional.
Product: Credit card or prepaid card

After the card cancellation account and points issue with no notice, Amex finally reinstate my account and points. But since XXXX, Amex had been issuing me three cards that could not be initiated by myself or with the help of representative, I have paid the annual fee for a while but cards don't work as well as all the benefits should come with it.
Product: Credit reporting or other personal consumer reports

On XX/XX/09 I inquired about a HELOC and was advised there was only a " soft pull '' on my credit for pre-qualification. Instead Huntington Bank performed a hard inquiry without my authorization and caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information not correct please be provide info and remove from my credit.XXXX XXXX   for XXXX and XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for XXXX $
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE XX/XX/XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX XX/XX/XXXX# XXXX XX/XX/XXXXUNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX section XXXX XX/XX/XXXX. XXXX I have the right to privacy. 

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

XXXX U.S.C XXXXXX/XX/XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company is XXXX XXXXXXXX XXXX the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from Speedy Cash store # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a police department '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my clerical duties is to enter warrants into the XXXX  database. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3700.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$21000.00}.
Product: Credit reporting or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX please remove any other name from my file they are not right ( XXXX XXXX XXXX 
My address is XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX
Product: Credit card

Complaint Against Citi Card Unjust Interest Charge and Partial Refund I am filing a complaint against Citi Card regarding an unfair interest charge of {$220.00}, which was posted to my account on XX/XX/year>, despite my balance being fully covered before the due date. 

Summary of Events : My payment due date was XX/XX/year>. 

On XX/XX/year>, I received XXXX refunds from a merchant : {$6000.00} {$6400.00} These refunds brought my balance to {$0.00} before the due date. 

When I attempted to make an additional payment, Citis system did not allow me to proceed, displaying a message stating that my balance was already satisfied. 

Despite this, on XX/XX/year>, Citi charged me {$220.00} in interest fees. 

I called Citi multiple times and was only offered a {$100.00} credit, even though the full charge was unjust. 

Why This is Unfair : The refunds cleared before my due date, effectively satisfying my payment obligation. 

Citis system prevented me from making an additional payment, confirming that no further payment was required. 

Despite this, Citi still applied interest and refused to fully refund the unfair charge. 

A partial refund does not resolve the issueI should not have been charged at all.