23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I've received a prepaid gift card of {$50.00} and tried to use at a store but was declined many times. When I called them, the operator told me that this card was part of a fraudulent activity and asked that I need to submit my personal information including photo of driver license and SS #. I am not comfortable providing this for a prepaid gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX-XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$540.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX SV ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$910.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
Product: Credit reporting or other personal consumer reports

Stole 17 months of on time never late payments to XXXX and refused to put it back bt still keep ousting worthless credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit card

I opened a dispute for unauthorized charges on my credit card several days ago. My previous card was shut off with a new one shipped to me, however I havent been credited for the amount lost due to fraud. Ally representatives have not given me any information about when I can expect the credits. It seems they are trying to hold me responsible for charges I didnt make, despite having a zero liability guarantee. 

I need the amount of these transactions to be credited back to my card so I dont have to pay for fraudulent charges when my statement closes in approximately one week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i am being billed for an transaction that I'm not supposed to be. XXXX XXXX XXXX needs to send the correct bill to the correct party This is listed on my Credit Report as : {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

Accounts : 1st is the Current XXXX  XXXX XXXX XXXX XXXX ; then Bank of America/XXXX  ; and the reason starting this FRAUD COUNTRYWIDE THST WAS FOUND GUILTY OF FRAUD AGAINST US MORTGAGE HOMEOWNERS. 
_____________________________ XXXX  XXXX XXXX / XXXX # XXXX Loan # XXXX ; then -BOA/ XXXX  - Loan # XXXX ; then - XXXX/BOA/ XXXX XXXXXXXX # XXXX XXXX XXXX ( They have and had all these loan amounts listed bogusly with bogus amounts to keep me from refinancing away without them being able to steal my equity with these bogus balloon balance ) XXXX XXXX XXXX ( is the culprit on all 3-loans ), XXXX  knows the fraud that is being committed with this bogus balloon balance ( s ). 

Balloon balances listed on my credit and payment Balloon balance listed {$150000.00} XXXX  balance list : {>= $1,000,000} ( Balloons are fraudulent and should be discharged or removed ) Illegal Fees pd XX/XX/XXXX. {$450.00} Illegal Escrow shortage : {$420.00} ( XX/XX/XXXX ) More now Unpaid bal : {$570000.00} ( XX/XX/XXXX ) wrong this should be about $ XXXX ( I have been in my home over 20 years with a 30 years and I have never missed a payment ). XXXX  started this fraud and BOA AND XXXX CONTINUED THE THEFT. 
New unpaid bal : {$620000.00} fraudulent- Please do your job and read, listen and hear what I am telling your office that is supposed to protect me. 

The XXXX  balance on my mortgage is bogus. It was place on by XXXX  illegally just before XXXX  went under due to FRAUD TO THEIR CUSTOMERS ( ME! ) I was a customer mortgage holder. This bogus XXXX  balance then passed on or was acquired by Bank of America XXXX who I sued in court but they failed to remove it due to fraud again they just tried to give me money and keep the XXXX  balance to illegally continue to steal my equity. Then because of this law suit that they tried to pass this XXXX  balance to XXXX  XXXX XXXX XXXX XXXX. XXXX knows they are still committed fraud still continuing stealing my equity and steal in each mortgage payments. They know I am XXXX XXXX XXXX and can not afford an attorney XXXX to fight in court which is why YOUR OFFICES, my governor and government should be ashamed not protecting me. I need this FRAUDULENT XXXX BALANCE REMOVED FROM MY MORTGAGE. 

XXXX  started this fraud and Bank of America and XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX knows this snd continues this theft and fraud because your offices will not do your job to correct this theft and protect me. Protect me and send this balloon balance back to XXXX the other two banks have been capitalizing offer of this fraud too long.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my report or I believe some one applied for something in my name there was 2 inquires And I have been trying for months now to dispute them with XXXX and they have been nothing but unsupportive The following bank names and dates are : XXXX - XX/XX/XXXXXXXX Wells Fargo Bank XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Debt collection

This morning, I saw that my credit score dropped XXXX points and a third line of credit was opened through my bank. It was a debt of {$70.00}. The name of the organization that posted it was XXXX XXXX XXXX. From further research, online it says they collect for XXXX. I have not had an agreement with XXXX in nearly XXXX  years and have received nothing from them/XXXX  regarding unpaid services. I tried calling Waypoint and it said they could not answer because of technical problems. Every review says this group is scamming people and provide no documentation to support what theyre trying to collect. I need assistance getting this removed from my credit report and ensuring they do not have any of my information moving forward.
Product: Credit reporting or other personal consumer reports

TRADEMARK VIOLATION " XXXX XXXX XXXX XXXX. ''
Product: Credit card or prepaid card

I have had my account with Citi since XX/XX/XXXX. I had a {$XXXX} limit. I used the card sparingly for travel or small purchases. i always paid my card on time and never approached my limit. I had not used the card for a period of time. In XXXX of XXXX, This was split into two purchases of approximately {$1900.00} each at the start and finish of a car repair. On XX/XX/XXXX I was notified my limit had been reduced to just over my balance. I contacted them for an explanation and request to return my limit to it's original limit. They refuses and advised I could ask for a review in 6 months. This has damaged my credit score since, going from XXXX in XXXX to XXXX in XXXX. due to the lack of available balance. Today ( XX/XX/XXXX ) they again reduced my limit to just {$60.00} above my current balance. I anticipate this will have the same affect again, and cause my score to be reduced. I contacted them again today and was provided the same response as before, which was 'due to credit report and other factors ', I closed the account as a result. This type of activity has directly damaged my credit and practices like this are unfair and border on abusive, especially during such a difficult time ( COVID ). I pay nearly 2x my monthly payment split bi-weekly when paid. Thank you for reviewing my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate and fraudulent information on my credit report as a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I am requesting the removal or correction of the following erroneous accounts and inquiries, which I believe to be the result of fraudulent activity. 

As a victim of identity theft, I have reason to believe these accounts and/or inquiries are a direct result of unauthorized access to my personal information. This claim is further substantiated by the recent security breaches involving XXXX and XXXX, where millions of consumers sensitive data were exposed to potential identity theft. 



The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed information on my credit report within 30 days of receipt of this notice. In addition, under 1681c-2, I am requesting a block of all fraudulent information resulting from identity theft. I have attached a copy of my Identity Theft Report and other supporting documentation, including : 1. A copy of my government-issued ID.

2. A copy of a utility bill to verify my address.

3. A copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).

4. Police report confirming my identity theft claim.

In light of these breaches and my circumstances, I also request that the CFPB ensure XXXX and XXXX comply with their obligations under the FCRA to safeguard consumer information and rectify any errors arising from identity theft. 
Please investigate this matter thoroughly and provide a written response regarding your findings and actions. If the disputed items are not corrected or removed, I request a detailed explanation of the investigation process, as required by FCRA 1681i ( a ) ( 6 ).

Thank you for your immediate attention to this matter. I look forward to your response.
Product: Debt collection

Date XX/XX/2020, Location of XXXX store : XXXX, New Jersey . 

On the date mentioned above I was falsely sold on a promotional Bogo deal as a 8 year loyal, military veteran account holding customer. On the purchase of a new XXXX XXXX which was on sale for XXXX and by adding an additional line qualified for the bogo deal, which provide an additional phone free of charge. The sales rep at the XXXX store, told me that in 2 months time I should have a bill reflecting the fee for the one phone and the credit for the promotional deal. The two months came and passed and no update was found, no letter was sent, then month three came along and I had received a letter of collections from a debt collection agency without seeing a bill reflecting my promotional credit paid. I called XXXX over 10 times prior to that and 10 more times trying to acquire a bill and it was in vain, then I went into a XXXX store in XXXX XXXX XXXX  some time in late XXXX, to see if they can handle the situation and it was in vain as well they made promises that where never kept and now its been over a year and they are still in pursuit of theyre wrongful attempt of collecting a debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Payment Inaccurate 18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, deceptive and unfair trade.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : States a consumer report does not include any report containing information solely as to transactions or experiences between XXXX XXXX XXXX ( the consumer ) and XXXX XXXX XXXX XXXX ( the person ) making the report. 

15 USC 1666b : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 1681s-2 ( a ) ( 1 ) : States 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 or other personal consumer reports

On XX/XX/XXXX I opened an installment loan with XXXX XXXX. On XX/XX/XXXX XXXX company pulled a hard inquiry of my credit report. I did not authorize this hard inquiry.
Product: Mortgage

In XXXX, XXXX XXXX XXXX XXXX XXXX, who is now XXXX, had our home refinanced through Wells Fargo Mortgage Company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; for verification, I do have documentation of her living will. My name is on the deed, not on the mortgage loan ). After passing away in XXXX, I inherited the home, in which I am currently residing. At the time of her passing, I had called numerous times to WFMC concerning the loan and trying to refinance the home in my name. They never returned my calls; all I got was auto voice, transferring me from one person to the other. Still, I wasn't able to talk with anyone. By the way, I am of the XXXX XXXX XXXX XXXX XXXX XXXX. I did get mail correspondences informing me to call such phone numbers and talk to persons. When I did, no response ; only voicemail and so forth. As a result of this whole scenario that I went through, I had to declare bankruptcy because of my job situation and payments were getting behind. I didn't appreciate how WFMC treated me as a customer. They could have cared less. Even through the bankruptcy process, I had to pay the escrow on the mortgage, and not to mention, they increased the payments while under XXXX. I did make the payments, faithfully, so much until they threatened foreclosure. I was not a happy camper. I will be more than happy to send documentations of this by faxing or mail or emailing.
Product: Debt collection

Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature
Product: Credit card or prepaid card

I opened a Synchrony bank CareCredit card in XXXX to pay for a XXXX. It is the only purchase made on the account and should have been paid off in XXXX with the regular monthly payment ( about {$400.00} ). I noticed in XX/XX/XXXX that the balance was nowhere near XXXX. I saw I was charged a " XXXX XXXX '' charge every month equal to about {$160.00}. I never agreed to this add-on. I have all the original paperwork and even the envelope from when I opened the account. " XXXX XXXX '' is not in any of the paperwork. I can also say that it would be an absurd decision to pay for this as it is nearly 1/2 of what the monthly payment was supposed to be ( $ XXXX {$400.00} ), so no one would logically choose this option. 

I sent a secure message to the company two times in XXXX explaining this and did not receive a return message. I called three times, when I finally got through their representative after 20 minutes of holding they were having phone line issues and they could not be heard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against Citi for pulling my credit report without authorization. I never authorized them to access my XXXX report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. I contacted them at the address listed on my XXXX credit report twice. They ignored the first letter and sent me a form response so I wrote a very detailed 2nd letter and sent the form response they sent me back to them via certified mail requesting them to remove the unauthorized inquiries as they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. Instead of reading my complaint and responding as asked I simply got a form letter saying the inquires were legitimate but not providing the requested documentation proving that these were in fact authorized so a police report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report that I did not authorize. I have attached my XXXX report for reference. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, On XXXX XXXX I mailed ( tracking # - XXXX ) a dispute for the following inaccurate accounts listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C1681I ) and Metro 2 compliance standards, I challenged all inaccuracies or deficiencies of reporting. Transunion failed to remove the above inaccurate/deficient accounts. 

On XXXX XXXX I mailed ( tracking # - XXXX ) a letter requesting Transunion 's method of verification to include the following : 1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2 What certified documents were reviewed to conclude your investigation? 
3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4 What did it cost your company to obtain the documents needed to complete your investigation? 
5 Please provide proof of your timely procurement of certified documents. 
6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? 
ii On what date? 
iii How long was the conversation? 
iv What was their position? 
v What telephone number did you call? 
vi What is the name of the employee of your company that spoke directly to the above party? 
vii What is the position of the employee of your company that spoke directly to the above party? 
viii How long has that employee been employed by your company? 
ix What formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9 Provide the date of the commencement of delinquency. 
10 Provide the SPECIFIC date reporting that these items will cease. 

Transunion did not provide to me the information required by law and the allotted time frame to provide this information has expired. I have documented all of my efforts and will seek any legal remedy available to me. 

This information must be deleted immediately to avoid civil liability.
Product: Checking or savings account

I received some transfers to my TD Bank account. I've spent months waiting for them to resolve the issue, and now they're finally saying that those transactions will be returned to the sender and that I can't touch the money I previously had in the account because they are still investigating. This is completely crazy since they are closing my accounts and refusing to return my money.