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

Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for XXXX XXXX They gave me an attitude about speak with there manager. 

XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX XXXXXXXX DOES NOT BELONG TO ME. IDENTITY THEFT.
Product: Debt collection

Defamation of character and reporting false and inaccurate information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named Pacific Credit Exchange i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, Pacific Credit Exchange ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information
Product: Debt collection

I tried to apply for a mortgage and on my report it came back that I owed almost XXXX to a company called portfolio recov assoc credited by XXXX XXXX and it shows it was opened XX/XX/XXXX but I know for sure I didnt open or apply for anything in XXXX. I dont know where it came from or why they put it on my credit. I wasnt notified about it before it hit my credit. I Also didnt open the XXXX XXXX  account in XXXX i dont know why their on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

TransUnion continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. 

This is causing substantial harm to my credit report and yet Trans Union continues to violate the Fair Credit Reporting Act. 


XXXX XXXX XXXX
Product: Prepaid card

Have attempted to use an American Express gift card at multiple different retailers. Have been unsuccessful each time and do not see any way I can actually spend the money on the card. Total amount of the card is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

Dear Customer Claims Department, Fax XXXX On XX/XX/2018 two fraudulent transactions were processed on my debit card. 
In the Chase transaction report it shows as a XXXX CA gas station. 
{$390.00} XXXX and {$420.00} XXXX. I have never been to XXXX  CA, I never make large gas purchases and never make debit card purchases at middle of the night hours. Im not sure why it wasnt flagged as fraudulent and declined. 
We notified chase the same day XX/XX/18 while the transactions were still pending. After researching the claim our claim was denied stating the pin was entered and the card was somehow present. There is no possible way my card could have been there since it was in my wallet at home. I have never given my pin out to anyone. 
I have contacted the local XXXX police Please see attached proof that I was in XXXX and refund my account {$810.00} ASAP. 
Attachments : XXXX XXXX Records Work Time clock Customers/witness Tanning Report I have been a Chase Client for many many years and currently hold 6 Chase Bank/Savings accounts and 2 Credit Cards. I have never had any incidents in the past. Please make this situation right and restore my confidence in Chase Bank.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

XXXX XXXX XXXX  XXXX FNB Omaha FNB Omaha Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from the following account. I want it blocked & removed immediately. 1XXXXXXXX XXXX XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX  Corporation that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting late payments on my XXXX and Transunion consumer reports when I was never late! These late payments have been incorrectly being reported by XXXX XXXX XXXX for XXXX  years and XXXX  months. This has negatively affected my credit score and opportunities for new credit for years now. 
I have disputed this account with XXXX and Transunion and have been waiting for the removal of these late payments for TOO long. 
XXXX reported XXXX days late, XXXX days late, and XXXX days late payments. There should be penalties for this type of behavior and this happens wat too often.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an unauthorized credit inquiry made by BMO Bank on XX/XX/2024. Despite my attempts to reach out to both XXXX and BMO Bank to address the issue, I have not received any meaningful response from either party. My concerns seem to be disregarded, and it feels as though no one is taking my case seriously.

As I do not have any open accounts with BMO Bank, and given that I reside in XXXX XXXXwhere BMO Bank has no physical presencethis inquiry is completely unauthorized. It is absurd that I would have an inquiry from a bank that does not operate in my state, where the availability of branches and customer support is a key factor. 

This situation is having a negative impact on my credit report, and I believe my rights are being violated. I am requesting immediate resolution and the removal of this unauthorized inquiry from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the accounts on my credit report were misleading when I reviewed it. The XXXX credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Money transfer, virtual currency, or money service

I was caught up into to a romance/XXXX XXXX scam/theft. Discover Bank allowed me to wire transfer 7 times in 21 days for a total of {$290000.00}. The last one was to a person in XXXX for {$130000.00} a day after I was allowed to transfer {$60000.00}. 

For 14 years, as a Discover Bank customer, I had a boring bank account and there were no wire transfer out of my account. Then in XXXX weeks I have XXXX. That is not counting about {$230000.00} being wire transferred in the amount of {$230000.00} from XXXX. All of this, large amounts for my account moving in and out of it. There was not one question of what the heck is going on with your account? I am sure I am not the only customer to get scammed like this, but, Discover is/was doing absolutely nothing to question this very questionable activity. If I was laundering money, I have no doubt that Discover Bank would not have questioned it! 

Scams of all kinds are on the rise and if another customer gets scammed they need to be banking at a better bank.
Product: Credit reporting

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
Product: Mortgage

-I reached out in XX/XX/XXXX to remove my escrow account, Chase responded on XX/XX/XXXX that it would be removed effective XX/XX/XXXX. 
XXXX I reached out as the escrow account was still visible. I stated I needed clarification as my next payment ( autodebit ) was due on XXXX and I needed to know what my payment would be. Chase responded saying it would be the mortgage including Escrow, but that the extra for escrow portion of my payment would be in my escrow refund check.

-I am then told in another message on the same date, that although the effective date of escrow removal is XX/XX/XXXX, it can take another 5 business days to take effect. This means it isn't really effective on XX/XX/XXXX, Chase is just pretending. 
-On XXXX, I reach out AGAIN to Chase, as they applied the escrow portion of that payment as extra principle. Chase decided on it's own, even after confirming with me it would be returned, that that the escrow closure did in fact process and that this was an extra payment. 
-Chase escalated this and then responded. They agreed to refund the extra principle payment. They then put it entirely on me, stating extra money first goes to principle. The problem is that this wasn't extra money, this was money that Chase 's own employees promised me would be refunded. Instead, I had to go through all of these extra hoops. Chase needs to be responsible for what their employees state and be truthful about how these processes work. Just because Chase is a multibillion dollar company doesn't mean that they can make up their own rules/change things at their leisure. As I have received this money back at this time, this complaint is to place this in the public record, and to ensure the CFPB has another instance of Chase just " doing whatever it wants '' in regards to consumers. Whether any laws were broken, I am not sure. However, Chase actively did not do what they said they would do in writing, and I had to spend lots of time and effort to get them to fix it. 

This is a part of the final response I received from Chase : " We apologize for any confusion and inconvenience caused by the prior communication regarding your automatic payment refund. Please be assured that we will address this matter internally. ''
Product: Money transfer, virtual currency, or money service

Money sent to wrong person not refunded, and money taken out without permission. Money moved and not noticed.
Product: Credit reporting or other personal consumer reports

Shellpoint mortgage services states an account with a balance of {$24000.00} was open on XX/XX/year> and I have no knowledge. I do not have any contractual agreement with them and I did not sign for this which goes against my consumer laws. This also goes against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Account : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a XXXX XXXX XXXX  account opened on XX/XX/XXXX under the account number XXXX, a business credit card account opened at Chase on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I had asked asked the XXXX XXXX XXXX ( an organization for XXXX XXXX for help making a payment and was approved. On XX/XX/XXXX I asked them if santander has received the check. I was told they had recieved and cashed it, but had not posted to our acct. I gave till XXXX while letting santander know they were receiving a check from XXXX. Santander couldn't find check and asked if a picture of front and back of check, amount ( which was {$620.00} ), our acct XXXX for information. I told them I would have to reach out to the XXXX which I did and part of their team said they would send that information to Santander. Again now Santander couldn't find that fax. I have been back and forth with then and letting XXXX know what's going on. Check still not found but have had them calling me about payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX # XXXX Asset Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account number XXXX XXXX SYSTEM # XXXX, have violated my rights,
Product: Credit card

Cardholder purchased item that was defective using Citibank USA credit card while abroad in XXXX. Merchant refused return of item despite merchant 's documented policy allowing such a return. Citibank USA requested documents from cardholder to verify, and was irreasonable in what sort of documents cardholder could obtain while abroad for extensive portion of calendar-year. Cardholder honored Citibank USA requests for documents. 
For this XXXX 2016 purchase dispute, on XXXX XXXX, 2016, Citibank USA concluded to cardholder : " We previously contacted you requesting information necessary to complete this inquiry. Since you did not include all the requested information or documentation in your response, we are unable to assist you. Please contact the merchant directly if you wish to pursue this matter further. 
We now consider this investigation complete. '' Cardholder feels that he has honored all requests and been cooperative with Citibank USA during the 6 months of dispute and that Citibank USA has failed in its fiduciary responsibilities in handling this matter. Cardholder has suffered monetary loss of {$440.00} USD as a result.
Product: Credit reporting or other personal consumer reports

I have made several attempts to figure out this loan that has shown up on my credit report i have called the creditor several times and my social security number does not match the account holders information i have filed this complaint with XXXX and XXXX and both of those claims have not been correct as i assumed and verified myself but it is still on my credit report and its hindering me from getting an actual car loan because this account is not mine! two completely different social security numbers as Wells Fargo auto does not have any record of my social security number whatsoever.
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  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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: Checking or savings account

Bank sent me a letter to close my account because I would not allow my employer 's name to be connected with my account. Bank refused to refund me {$25.00} dollars as they were supposed to on XXXX XXXX, 2017. This is the worst bank ever, they view their customers as XXXX XXXX and XXXX. No one should continue to use this bank they look down on people are very bias. Branch Manager, XXXX XXXX XXXX, very nasty dealing with customers.