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

I Received a copy of my credit report and noticed several accounts on my credit file that i never applied for and never used. these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts 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

All of the information related to a XXXX XXXX in XXXX XXXX, CA is not mine ( not me ) I 've never lived in California
Product: Bank account or service

My Husband and I have a joined account and I notice that we had a XXXX transaction that we did n't recognize. We both called Ally Bank and explain the issue. The representative took both of our information and said that she did see anything on our new banking cards, she ask if we had lost or a card stolen my husband replied yes last XX/XX/XXXX ( lost but found a day later in the house ) the same day he notice his card missing he call and had it cancelled then the next day he cut up the card. The rep told him that this account may have still been active because he had a automatic payment attach to the account. My husband told her that it was for waste management and that that was in correct because that card was cancelled and put on the new card. But some how we still have money coming out of our account that they refuse to give back. but it 's not coming from the ATM cards we have now. They offered to give us new cards but not set up a new account. What should I do and we are 15 day from XXXX? Note I called the address on my bank statement where the money was said to be spent and it 's a day care in XXXX XXXX OH. and the XXXX in XXXX NJ
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a problem with the XXXX company. I reported inaccurate information on my credit report. I mailed a detailed letter with the inaccuracies listed and the violations on the fair credit reporting act that XXXX committed. Today is XX/XX/2022. The original letter was sent on XX/XX/2022. More than XXXX have past and still no response. The items on my report should be deleted and removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated multiple disputes with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EXPERIAN credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

After checking my personal credit report from Transunion and XXXX I discovered a collection agency account from XXXX XXXX XXXX for {$2400.00} that doesn't belong to me and is the result of identity theft. The original creditor for this item is XXXX XXXX XXXX XXXX. This collection agency charge is not mine and is the result of identity theft. There are also 3 hard credit inquiries on my Transunion and XXXX credit report that are not mine are the result of fraud. The inquiries from XXXXXXXX XXXX XXXXXXXX, XXXX  and XXXX XXXX XXXXXXXX XXXX not mine and are the result of identity theft.
Product: Credit card

I paid my account to XXXX  almost a year ago. The creditor continued to pull {$50.00} from my bank account every month no matter what I did to try to cancel payment. Called my bank, cancelled through the creditors website etc, phone calls with customer service to cancel. Each month I would call and request the refund. In XXXXXXXX XXXX XXXX I cancelled my credit card. After that like clock work they continued to pull payment and I have to call and request a refund. This is causing a financial hardship on me and is extremely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX and XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

I want to file a complaint about a debt that is on my credit that I have no knowledge of. I dont even know what company the debt is with. I have worked so hard on keeping my credit up to standards, and to have a derogatory mark on my credit is awful.
Product: Credit card or prepaid card

A number of charges appeared on my credit card that I did not authorize. Citi proactively notified me, but since then it has been a week+ of XXXX. I informed Citi I was traveling abroad BUT did not authorize payments. Citi staff notified me they would mail me a new credit card to my mailing address even though I was not home ; I requested they hold on mailing a new card numerous occasions ( at least XXXX ). The card was mailed and now sits in my mailbox which is unattended. The new card continues to have fraudulent transactions charged to it even though I am in a foreign country. Citi continues to call me and text me to alert me of transactions, however I am unable to speak with Citi as I am locked out of my account until a code can be delivered. I notified the company that the charges processed were fraudulent ( all charges in Massachusetts ) and yet the charges posted- this is a violation of regulation z/e as I had provided the transactions + my account + my name. And now it just drags on closing my accounts when all is said and done.
Product: Credit card

My identity was compromised, I locked credit, had alert credit for capital 1 was submitted. I did not submit inquiry
Product: Money transfer, virtual currency, or money service

My Cash App account was closed on XX/XX/XXXX. I contacted Cash app and they stated that it was closed because of activity that goes against their Terms of Service. I asked them what activity are they talking about and the advocate stated that they didn't have that information but they would file and appeal to another department for me. They asked me what did I use cash app for and I stated that my family and friend send me money to pay bills, buy medicine, make purchases for my household, or anything that I need done. I stated that I'm on XXXX and my family has to help me make ends meet. They stated that I would receive an email in a couple of days from the department. To date I have not received any correspondence from Cash App regarding my account. I have called several times and get the same response that they are working on it but no one can tell me what I did to have my account closed. I have not received an email or phone call from anyone. I am XXXX woman who has health issues and I need the app for my family and friends to help me throughout the month. I need to speak to someone who can help me open back up my cash app account.
Product: Prepaid card

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 

This time, I was sent an email at the end of XXXX telling me they were sending an electronic {$50.00} Vanilla Visa ( Incomm Financial ) but the card never showed up. 

I emailed the research assistant on XX/XX/2023 and let her know I never received a gift card. She emailed me back and told me that around XX/XX/2023 they were having issues with the Vanilla Visa website. She said the website was sending multiple cards to 1 email address and none to the email addresses she had been trying to send them to. 

She then sent me a {$50.00} electronic Vanilla Visa on XX/XX/XXXX. When I opened it and tried to activate it, I discovered it was already active, and the card had been drained down to about a {$9.00} balance. I contacted the research assistant again, explained what had happened and sent her a screenshot of the drained Vanilla Visa card. She sent me a replacement on XX/XX/XXXX. 

The same thing occurred with the replacement card. The balance was drained to about {$9.00}. I started comparing both cards and XXXX InComm Financial, Vanilla Visa, etc. I suspect the day the research assistant was having problems on the vanilla visa website and all the cards were going to one email address, the site may have been spoofed or hacked. All of the charges on both of the Vanilla Visas I had been sent, were dated between XX/XX/XXXX and XX/XX/XXXX even though the cards had not been sent to me until XX/XX/XXXX and XX/XX/XXXX. 

InComm makes it difficult to get your money back after one of these scams. 
I was on the phone for over an hour trying to deal with the XXXX {$50.00} cards I was given from the study. The first customer service representative hung up on me while taking my fraud report. I had to verbally provide information for the representative to start a separate dispute ticket for each card. 

This was entered into a dispute ticket form and then emailed to me for review. Both tickets had errors, so I could not electronically sign those tickets. I had to send an email notifying them of the errors and wait for the errors to be fixed before I could sign the tickets, which would then open a dispute case for each Vanilla Visa. I am still waiting for the corrections to be made and as a result, no fraud tickets have been opened. 

I have seen this exact same behavior re InComm customer service and the fraud tickets, reported by other Vanilla Visa victims on complaint sites. So, InComm seems to use the same tactics to avoid accountability. I was told that it could take up to several months for them to complete their investigation. I spent hours reading about Vanilla Visa and those cards have multiple lawsuits pending against them. It seems to be well known that those cards are hacked and drained often, and it takes forever to try and recover the money if your card was drained. 

Honestly, what kind of company allows these despicable issues to drag out for months without addressing them ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$0.00} ; 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 XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

Who it may concern, My company sales through the phone computer and services. My Merchant Account Manager is Bank of America. On XXXX, XXXX 2016 ; I received a request from Senior Procurement Manager of XXXX a quote for XXXX Laptops. After some basic verification, I send a quote for XXXX laptops. This quote was sent because the Senior Procurement Manager of XXXX XXXX told me by phone send only XXXX laptops to Alabama and the next will be send to other office. This Senior Procurement Manager of XXXX told me that company will paid with a credit card, which I accepted because we have merchant account services with Bank of America. Before to process the credit card I called at Bank of America several times, as is show in the report of my phone records. I called to verify the credit card information and the good standing of that credit card to process. 
XXXX XXXX ( XXXX ) XXXX Outbound PST 3 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 22 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 8 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 4 Minutes Bank Of America XXXX XXXX ( XXXX XXXX XXXX Outbound PST 1 Minutes Bank Of America In all those calls the Bank of America representative told that those credit card was in good standing to process. So Bank of America always state " the credit card is ok and do n't worry about that, and your money will transfer to your business account XXXX hours after the transaction was made. '' I order my distributor to ship XXXX Laptops. The laptops were ship to Alabama. XXXX shipped the laptop on Saturday XXXX, 2016. Until that day Bank of America never call me. AFTER 5 DAYS, On Monday XXXX XXXX, 2016. A Bank of America representative call me ; he identifies himself as XXXX XXXX. This called happen in the morning around XXXX XXXX. I miss the first called, so I return the called and spoke with him. In that call he ask me for the invoice for that transaction. I sent the invoice and credit card authorization form that Senior Procurement Manager of XXXX XXXX sent to XXXX. 
Around hour later XXXX XXXX called me again to tell me that that transaction was a fraudulent transaction. That this credit card was report stolen. I explain him that I called Bank America representative to verify the good standing of that credit card, and he told whoever answer the call never verify the information of that credit card. He apologized for that and hung me up. I called one more time to customer service and open a complaint with a supervisor. This supervisor told that someone from Bank America will call me in the next two or three business days. After a week I called again but the representative told me that this is not a Bank America problem. 
After that I called one more time and I spoke with a supervisor who identify himself as XXXX and he state that his employee ID is XXXX. He refused to give a case number for this complaint.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me. I believe these inquiries are fraudulent. I have been dealing with a lot of stress trying to figure out what is going on. I have already submitted an FTC report. I have called each of these companies and none of them can provide any proof that I authorized these. They are not helping me get these removed. I am out of options at this point. I am asking you to please get these removed as soon as possible as they are all fraudulent. I am trying to buy a house and this is hurting me. Thank you! 

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: Vehicle loan or lease

I paid off the loan in XX/XX/2020 but they are rude and not responding back to me and they didnt process my payment twice over course of 72 month auto loan they put payment to different account and slammed me with XXXX in late fees and XXXX in interest on late fees I have over paid them by XXXX dollars and they have ruin my credit by reporting at end loan 90 days past due and I have pay now clean my credit up 130 month costing me they refuse send me title and I paid them XXXX for XXXX auto loan and they keep giving different figures and have been discrimatory to me over phone as XXXX veteran, my credit has dropped over 130 points because of navy federal credit union
Product: Credit card or prepaid card

XX/XX/XXXX see attatched FRAUD CLAIM {$470.00} XX/XX/XXXX Confirming ( USAA policy Temporary Credits Must be made Permanet Upon Completion of Investigation. ) Date of claim was XX/XX/XXXX XX/XX/XXXX * USAA TOOK A YEAR TO COMPLETE INVESTIGATION AND MAKE TEMPORARY CREDITS PERMANET. Based on USAA Policy Above KINDLY NOTE XX/XX/XXXX STATEMENT USAA TEMPORARY OTHER CREDITS XXXX TOTAL {$2.00}, XXXX ** When?? were these {$2.00}, XXXX Temporary USAA Credits EVER MADE PERMANET AT A LATER DATE PER USAA POLICY?? * YOU KNOW AFTER WAITING OUT THE COMPLETION?? OF INVESTIGATION? LIKE THE XX/XX/XXXX FRAUD * YOU KNOW TAKING A YEAR TO COMPLETE AND BECOME PERMANET CREDITS.?? WHEN?? WHAT STATEMENT?? AFTER XX/XX/XXXX?? WERE {$2600.00} MADE PERMANET???
Product: Credit reporting or other personal consumer reports

I am requesting your help concerning this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help. Your improper handling of my credit report had me on my knees because of your inaccurate reporting my reputation was destroyed. You must remove these inaccurate information on my credit report.
Product: Debt collection

Please reference previous FTC reports ( uploaded ). 

On XXXX I received an XXXX credit report notification that I had a change to my credit report. I logged in and my credit score had decreased by XXXX points as a result of a debt collection from JEFFERSON CAPITAL SYST PERSONAL STATEMENTS on behalf of XXXX XXXX  I have received NO notifications from this company to collect the amount owed for an account that is not mine. 


I spoke to XXXX on XXXX at XXXX XXXX and reported this account fraudulent. It was opened in TN. I have never lived in TN and can provide proof of residency for the last 10 years. I then received a debt collection notice in the mail from XXXX XXXX and reported it to the company that it was fraudulent as well as filed an FTC report then ( Report number XXXX ). Police report was filed in connection to this identity theft ( XXXX XXXX XXXX ) at that time as well. 

At this point XXXX XXXX has been harassing me since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following account : XXXX XXXX Account Number : XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and overall credit health.
Product: Bank account or service

BOA likes to charge a fee when they feel like it. I took {$20.00} out of bank as my direct deposit was going through. Was charged a {$34.00} nsf fee when in the past have never had this issue. Also had previously spoke to a manager who told me if a direct deposit was pending I would be fine.
Product: Credit reporting or other personal consumer reports

There are inquiries on my TransUnion report I did not make
Product: Credit card

On XX/XX/2023 I had made a purchase for airline tickets that was blocked by the fraud department of my Bank of America Credit Card. The message sent to me said that the charge was declined and asked if I had made the charge. My account was frozen until a response from me was made. I confirmed that I did the charge but their next message said that if the charge was declined that I would have to contact the merchant and request that the charge be reprocessed, otherwise I did not have to do anything. I was told this charge was declined and would remain declined. However the merchant continued to send authorizations until the charge went through. I did not authorize them to continue billing my account. The charge was declined and shoule have remained declined. I called Bank of America when the charge posted to my account and told them what had happened. They refused to stop the merchant from billing my account after it was declined and then they refused to acknowledge their own messages to be accountable for the charge posting. Every time I called in they made the excuse that they did not have the message in front of them and could not reference it. I offered to send the text correspondence to them, they refused to consider it. They said the charge was allowed and I have to pay it, against what the text message instructed. When the charge was declined, I made other arrangements and did not want this flight... .I did not use the ticket and now am having to pay for something that I did not use and they allowed to go through on my account that should not have processed after they declined it. I did not go back to the merchant and authorize the charge a second time. I want my card balance with any late fees and interest to be refunded. I have closed this account as I do not want to do business with this company. They caused this problem. If the fraud department wanted to flag something they could have called me and take care of things directly, but that is not the level of customer service they provide.