23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have had unauthorized transactions that I was unaware were happening taken directly out of my account. I use cash app for my work direct deposit and I have never been able to speak to a representative anytime I have had money missing or issues with my account along with the unauthorized access to make any transactions. There is not any XXXX number to speak to anyone and resolve the issues.
Product: Debt collection

Company has repeatedly had to remove and keeps re adding debt someone uses my social security number at hospital and defrauded me. This is not my debt and they are harassing everyone In my family daily, sometimes a foreign guy is threatening to come kick my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

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

File # XXXX PIN : XXXX XXXX DOS XX/XX/2021 Name : XXXX XXXX XXXX- We received a bill from CCS when he never received anything from XXXX XXXX. We sent CCS a message through their portal to verify this debt with evidence and never heard anything. They are still sending notices to pay. Obviously, wires are crossing and nothing is being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a security freeze onXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and as of today again, I received a full credit report and other info stating that my current disputes were being investigated. But when trying to make the request online, i get an error message that I need to submit an Identification such as state or driver license, utility bill and a copy of my security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, CREDIT COLLECTION SERVIC # XXXX, XXXX XXXX XXXX
Product: Checking or savings account

My debit card and cell phone were stolen on Wednesday XX/XX/XXXX. I went to the bank, Hancock Whitney Bank, on Thursday and told them my card and phone were stolen and they pulled up my account. Many charges had been made, including transferring {$3000.00} from my savings account to my checking account. Then the thief sent money to herself via XXXX and XXXX XXXX transfers. 
All charges and transfers happened late the night of XX/XX/XXXX and the early morning hours of XX/XX/XXXX. 
I filed a claim with the bank and they DENIED my claim, stating my mobile app having XXXX XXXX and there is no way for them to know I didn't make the transactions. I have no idea how someone was able to get into my XXXX without my face or passcode. But they did. 

I also filed a police report with the XXXX XXXX Police Department - Item # XXXX List of purchases and transfers : Debit XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX payment XXXX XXXX XXXX XXXX - {$300.00} XXXX payment XXXX XXXX XXXX XXXX - {$700.00} Online transfer from savings - {$1000.00} XXXX Payment XXXX XXXX XXXX XXXX XXXX {$400.00} Debit XXXX XXXX XXXX XXXX  - {$37.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$500.00} Online transfer from savings - {$2000.00} Debit Payment sent XXXX XXXX XXXX - {$100.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX - {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a XXXX name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES WERE NOT AUTHORIZED AND WANT THEM REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B obligates us to eliminate any incorrect accounts from my credit report. Can you examine the documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Mortgage

XXXX XXXX XXXX XXXX  This is my 4th complaint in 2 years against US Bank 's incompetent escrow/insurance department XXXX As a term of my loan US Bank insists on having escrow on insurance and taxes but it treats that money as monopoly money without any proper checks and balances paying bills that are already paid and expressly disregarding instructions. 

In the latest case, I had emailed US Bank on XXXX XXXX XXXX that my insurance is already paid and they no longer need to pay it and can release escrow back to me. They confirmed twice that this would be done. But yesterday I got a notice that they have indeed paid insurance again. 

I even emailed them to tell them that their online system still shows the insurance payment as a next expense and then i stopped getting responses and eventually as i feared despite a >1 month heads up they made the insurance payment despite it being made already and now i have to fight with the insurance company on getting back my double payment.
Product: Debt collection

Diversified Adjustment placed a derogatory account on my accounts with the credit bureaus. I made a complaint to the Consumer Finance Protection Bureau. On XXXX Diversified Adjustment answered the complaint # XXXX and denied responsibility for the account. Subsequently, on XXXX they verified to XXXX that account was accurate ... Diversified Adjustment lied to the XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months I have submitted dispute request via certified mail to Transunion along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as outlined In section 611 ( c ) of the FCRA the credit furnisher had 15 days to comply with providing step by step procedural of the name and title is persons verifying this false information to be true. I have grown increasingly tired of the scripted emails and stall tactics from Transunion!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.
Product: Debt collection

XX/XX/2019, approx XXXX XXXX PST. 

" XXXX '' contacted my mother, stating the call was about an investment I had made. Left callback number XXXX. Internet sources indicate this is XXXX XXXX XXXX, and that they have a history of illegally calling debtors ' relatives and employers and misrepresenting the nature of the call. 

My mother is not a party to any debts I may have.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX, NY XXXX New Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$530.00} Late/Open XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late/Open
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 b clearly any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction of the consumer.

Without a written consent from the consumer. Experian is using Aggravated Identity Theft 18 USC 1028A because they have possession of my information, and they are using it without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account for XXXX XXXX was closed XXXX of XXXX an account was opened by XXXX XXXX, without notification, my signature, my knowledge or permission. 

Closing and account affects my credit score, along with opening another account. 

I had not used XXXXXXXX one time since my original account, which was automatically closed after a year without use. I understand and am okay with that on my report. 
What I am not okay with is XXXX opening a brand new account on my credit when I had not once agreed to any of this, this is fraud, this is illegal in fact. They opened a brand new credit account without my knowledge and are affecting my financial situations. 
I received a letter from XXXX XXXX saying they reached an agreement with a new company and this is standard. This is not standard protocol to just open accounts under peoples social security numbers at will.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$61.00}, {$0.00}, {$1700.00}, {$760.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$61.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS -- XXXX. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.
Product: Credit card

The Citi Bank COSTCO card was charging me interest when my balance was always paid in full each month. When I called to question I told them to CLOSE this account. I have NEVER had an issue like this with ANY credit card. 

I put a lock on the card, I had to forfeit the cash back I had accumulated, and told them to close the card. 

This. month I got ANOTHER CHARGE for {$120.00} with the card locked. Apparently Costco charged a membership fee without approval. 

This credit card Company needs some serious oversight.
Product: Checking or savings account

I was on vacation in XXXX XXXX. and my bag was left in the car while I went to the beach, during this time I was in the water I was robbed someone entered the vehicle and went in my bag and stole my card information charging {$2200.00} on XX/XX/21, and used my card information the next day on XX/XX/21 for another unauthorized charge of {$800.00}, which during this time I was at the airport hours away. I provided documents that it is not possible for me to make these unauthorized charges and have been denied by Bank of America three times. Bank of America failed to send out an alert on my secured checking account when the first charge of over {$2200.00} was charged to my debit card and they failed to alert me of the second unauthorized charge made on the account, which put the account in a negative balance. I made a police report here in the US and in XXXX XXXX and provided the case number to the bank. Bank of America changes the reason for denial every claim made through there investigations Dept. which they failed to provide any information and sent me a denial letter accusing me of making theses unauthorized charges to my account. I am filing this complaint because Bank of America has an obligation by law to protect customers from fraudulent activity and to protect consumers finances by law and they are refusing to abide by the federal regulations. The time these charges were made I have provided documents that I could not have made these unauthorized transactions.
Product: Credit reporting or other personal consumer reports

My information was used to obtain a credit card that I didnt not file for. 

XXXX XXXX XX/XX/year>2024 {$13000.00}
Product: Debt collection

I've tried to get it resolved, I never even open up a XXXX account in XX/XX/2010. So, when I reached out to the collection agency for validation, they sent me bills and said this is the verification. I told them that it is incorrect that, I never had a phone account just only prepaid with XXXX XXXX at the time. I was asking for validation to see a verifiable, validation of proof as in Consumer Contract with a wet-ink Signature on it, of the account listed above, Ive also explain to them how it goes against fcra. This wouldn't be the first time that, my identity was stolen.
Product: Mortgage

Today I contacted Rushmore Loan Management Services based out of California. During this call I explained to Rushmore that we have been furloughed and laid off from our positions are requested a forbearance. This was granted however Rushmore is stating the forbearance is only for three months and we would need to pay the entire amount after three months. I explained the CARES ACT and was immediately told FHA are only taking three months at this time. I advised this individual you are not following the law and was immediately told to go to their website rushmorelm.com where they would have some 2 minute and 16 second video explaining the policy.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I 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 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. 
XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$930.00} XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$840.00} 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 XXXXXX/XX/XXXX
Product: Checking or savings account

For the last month or so, every time I access or use my account they freeze it and make me go through excessive steps to get the account unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Experian for XXXX XXXX ( acct # : XXXX ) and XXXX XXXX ( acct # : XXXX ). I have attached police reports with the disputes and provided plenty of supporting documents proving that these accounts are not mine. Even so, Experian has refused to remove the account stating that the companies confirmed the accounts to be valid. I asked Experian to provide me with the documentation that the companies provided to prove that they are valid even with having my police reports and they refuse to do so. They have now stated that no matter how many times I dispute unless the data furnisher removes the account they will not be removed. By having the police report and supporting documents but still allowing the accounts to stay on my credit report they violated my rights given to me under the fcra section 605B and forced me to have to pay the balances in order to move forward with getting a place to stay. I ask that you please have them remove these accounts.
Product: Checking or savings account

I opened a Citi Business checking account in XX/XX/XXXX and another in XX/XX/XXXX after that first account was closed due to fraud. I completed several transactions for business purposes with this new account. I then received a surprise letter from the Citi Fraud Prevention department dated XX/XX/XXXX. This letter stated that my account would be automatically closed within 60 days from the date on the letter. I called the fraud department hotline listed on the notice the day after I received the letter to find out the cause of the closure but was told that a reason could not be provided and that, as stated in the notice, I had to wait 60 days. According to the letter, my funds would be sent to me directly after the account closure to my home address listed on my account. The representative also confirmed I would receive a check for the remaining funds. I also received a final statement for the account for XX/XX/XXXX, through XX/XX/XXXX, showing that the account was officially closed out and had a final total balance of {$900.00}. 

I called the fraud hotline on XX/XX/XXXX, to check the status of the check owed to me per the notice. I was told by a representative named XXXX that he could see the check was issued and I was asked to allow it another 7 days minimum to arrive. I was even told I would be followed up with about this matter. I never received a call or email follow-up. I called again on XX/XX/XXXX, when I still had not received a check. I was told by the representative XXXX during this call that my account stated I was not entitled to any funds from the closed account. This of course contradicts information I received in the letter from XXXX of XXXX and in a previous call to the fraud department. I asked where the money was sent to and the representative informed me she couldn't provide any more information to me. No other correspondence occurred at any point alerting me that I would not receive my funds from the closed accounts.
Product: Money transfer, virtual currency, or money service

I found an ad on XXXX for an apartment. The security deposit was {$1100.00} and once paid I was supposed to get the keys and that never happened. Additionally, the party said they never received the money which is a lie because both XXXX XXXX and Zelle have the proof. They refused to send my money back, so I had to report it. Obviously, I was scammed.
Product: Debt collection

I was not aware of this debt of {$110.00}. I contacted XXXX to cancel this policy via phone. I also stopped making payments. The vehicle I had insured at the time was not being driven as it has transmission issues. Once I received my stimulus, I was able to repair my vehicle. I then insured my vehicle again with another company. 

XXXX did NOT notify me of this remaining alleged balance and/or discrepancy BEFORE selling this account to the CCS collection agency. I also changed my residency in the chance that a letter WAS mailed from CCS. Nor am I required to continue to PAY for a vehicle that can not be driven! A few months later AFTER I fixed it, it was then TOTALED. I don't even OWN this vehicle anymore! I have included copies of my XXXX policy as well as proof my vehicle has been totaled/sold. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. I did NOT receive any correspondence from CCS regarding this debt! I had requested FULL verification of this debt, including copies of the previous notices that were sent to a VALID UPDATED address BEFORE this debt was reported to my credit! I have NOT received a response from the creditor to date! 

The ONLY thing they did was update my BALANCE to {$0.00}. I requested them to REMOVE the debt as it shouldn't have been reported in the first place. So now I have a negative item of {$0.00} sitting on my credit. I'm also a CURRENT XXXX customer now with my NEW VEHICLE so I am APPALLED that this is how CCS treats CUSTOMERS of their current business partners! I am really considering leaving XXXX over this! I guess I will have to send a " certified '' letter to XXXX when I switch so I can have " proof '' I cancelled my policy this time so a creditor won't claim I owe a balance on an UNINSURED vehicle.