23daVinci/CFPB_Complaints huggingface dataset:
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 {$94.00}, {$0.00}.

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 and 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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX2024 of this year I had come across an individual by the name of XXXX XXXX. This woman claimed that a majority of mortgages are in fact fraud and have been paid by the original promissory note. Her example of proof was a supreme Court case ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). She held a mentoring class which cost {$1000.00} and she explained how her claim and the governing system works. I am XXXX with XXXX kids and a wife who stays home with our children and I explained to XXXX XXXX on a one on one phone call that I am the only source of income and we live paycheck to paycheck and could not afford her class. XXXX XXXX assured my wife and I that we would never have to make another mortgage payment again, that it was fraudulent and to use what we would have paid for the mortgage, for her class. XXXX XXXXXXXX XXXX class consisted of over XXXX other classmates where she provided all templates and affidavits moving forward to send to all registered agents and mortgage companies requesting, not copies but proof of original promissory note and security instrument prior to sending any additional payments. In addition, a cease and desist affidavit and a notice of non-reporting until proof of documents were provided and all credit reporting agencies were placed on 'security freeze ' until proof was established.

I did not receive all documents requested from Valon XXXX XXXX  until XX/XX/XXXX2024 at which time my wife and I came to an understanding that our mortgage was not fraudulent and immediately brought our mortgage payments up to date and current on XX/XX/XXXX2024. I also called and personally apologized to Valon XXXX XXXX along with an email of requesting credit reporting be removed but they said they would not.

I was raised in understanding that credit score is one of the most important things in life. Since I was XXXX years of
age, I have done whatever necessary to make sure all my bills were/are paid before and or on time and my XXXX years of credit history will prove this claim as well.
Product: Credit card

My complaint is simple. XXXX XXXX took advantage of my impaired husband and placed a {$1600.00} order with him. When he received a receipt by e-mail, and realized the mistake, he called XXXX XXXX twice. XXXX times the calls were escalated up the management hierarchical chain, but nobody would cancel the order. The meat was in transit for 6 days, all of the dry ice melted, and the meat browning. When I received XXXX large coolers of meat that was beginning to smell, I called XXXX XXXX ( no help ) and Citi Bank in order to dispute the charge. 
We were to have 30 days to respond to XXXX XXXX ' XXXX page response ( attached ). Citi Bank instead closed the dispute and added the {$1600.00} back onto our Citi Bank Credit Card before receiving our rebuttal.. 
Upon receiving XXXX XXXX ' letter, our dispute was removed from our accounts ' message board on the Citi Website. It could not be retrieved and the Citi customer rep could only tell us to e-mail Citi asking for the disputed information. 
Citi Bank had no intention of considering our response. The 30 days stated was purely perfunctory and cosmetic. It is clear that Citi would side with the merchant under any circumstance, and dismiss the cardholder 's response. 
Politicians are correct. The system is rigged in favor of the too large to fail banks. The consumer is not given an opportunity to even respond to a dispute. For a consumer, there is no possible way of winning a dispute with a merchant. The attached documents explain this travesty by CitiBank in greater detail.
Product: Debt collection

XX/XX/XXXX, {$680.00} XX/XX/XXXX, {$1600.00} XX/XX/XXXX, {$1000.00} XX/XX/XXXX, {$940.00} These all are on my credit report in collections and I have no knowledge of ever making these transactions
Product: Credit card or prepaid card

On XX/XX/XXXX an amount of XXXX XXXX  was paid to Discover Credit Card company.The total balance which I owe them.My Fiancee paid this amount to help me.I am ever grateful to my XXXX XXXXXXXX. I got the confirmation through email that the payment was received.But after receiving the amount, the card was closed without my consent.When I asked what the reason was for the closure they are citing to an older email sent on XX/XX/XXXX which never stated the reason for the closure. 
This has caused a lot of inconvenience to me in terms of payment of bills and financial planning for my expenses.I have been using their account for more than 5 years now. 

I want your good office to instruct Discover card to reinstate my account.This is not the first time Discover card has caused me inconvenience.They are acting under the witch hunt tactics of XXXX XXXX, my disgruntled ex-employer.
Product: Money transfer, virtual currency, or money service

Heres the combined summary of your complaint : Complaint Summary I am filing this complaint against CashApp ( Block , Inc. ) due to inadequate customer service, unfair and deceptive practices, and non-compliance with consumer protection laws. Specifically : 1. Failure to Prevent and Address Fraud : CashApp failed to take timely and effective measures to prevent and address fraudulent activity on their platform, resulting in financial harm.

2. Inadequate Customer Support : The company has not provided timely or effective responses to disputes and inquiries, leaving issues unresolved and exacerbating consumer frustration.

3. Violation of the Electronic Fund Transfer Act ( EFTA ) : CashApp did not fulfill its legal obligations under the EFTA, including the investigation and resolution of unauthorized transactions in a timely manner.

4. Unfair and Deceptive Practices : The companys lack of proper fraud prevention measures and failure to address disputes mislead consumers and undermine their trust. 

These actions have caused significant financial and emotional distress, and I seek appropriate resolution and accountability under the Consumer Financial Protection Act and other applicable laws.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items Need to dispute : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/year>XXXX  Balance : {$74000.00} Late/Open
Product: Prepaid card

I had XXXX accounts with NetSpend. These were prepaid temporary cards that you purchase in the store. 
I tried to activate them and they told me that I did not qualify to activate the cards and that they would send me a check in the mail. 

This was about 6 months ago and I never received any checks in the mail. 
I have unused balances that may be continuing to accrue charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before, all documents sent have been notarized showing you I am indeed who I say I am. On XX/XX/2021 I sent this company a letter disputing unknown, misleading, unverifiable information. Again I sent them a letter on XX/XX/2021 because I NEVER received a response from them. XX/XX/2021 I filed a complaint with the CFPB. I see today XX/XX/2021 that the company responded that there is a unauthorized party on XX/XX/2021 which is a lie the dispute is coming from me XXXX XXXX. I called today XX/XX/2021 at XXXX to TransUnion and spoke to the Customer Service Rep XXXX and she stated " the account is currently being investigated ''. It has now been WELL OVER 60 DAYS! I'm frustrated your company is breaking the law! it should not take over 60 days to complete an investigation, in fact being that your company has took over the amount of time granted under THE LAW the accounts in question must be REMOVED!!
Product: Money transfer, virtual currency, or money service

I was contacted by what I thought was a person I work with, asking for my to make a paypal paymnet on her behalf It was a fake. But I didn't realize & paid {$920.00} via Paypal. They contacted me again asking for more money. XXXX & paypal won't do anything
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Debt collection

The debt collector Portfolio Recovery Associates , LLC They already sued me for the balance of {$640.00} they said that I have been using the amount for my XXXX XXXX credit card for shopping, the account does not apply to me because someone has been using my information my XXXX, XXXX, and opened this account in XXXX  XXXX and I never lived there before and that account has been opened my someone in XXXX XXXX and the address was XXXX XXXX XXXX, XXXX, XXXX XXXX and In the same year 2014 I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. 
Thank You
Product: Prepaid card

I have spent an enormous amount of time, proof and effort only to be given the same response. " That either myself or someone I authorized '' had made these purchases. I will restate that -I was nowhere in the vicinity of where the transactions occurred and I have never authorized anyone. Every claim I have submitted to bank of America has been denied due to the above mentioned reason. The part that I'm not understanding is that I received a compensation check from bank of America for the same time period in which my claims stated I had not made those transactions. I believe it stands to reason that if Bank of Americas individualized review process came to the conclusions that I did not have access to those funds and issued a check to me as compensation for me not having access to those funds, than how could the prepaid card investigation team come to a conclusion that either myself or somebody I authorized had used those funds. XXXX Bank of Americas XXXX came to their conclusion without me providing any information, The prepaid investigation team have been given on multiple occasion information showing it was not possible for me to have made those transactions. I really hope that this complaint is addressed correctly and that my funds are returned to me.
Product: Checking or savings account

On XX/XX/XXXX my account was closed due to an error by unemployment and I had available remaining funds that was deposited into my account betweenXX/XX/XXXX from unemployment. I made few purchases and a withdrawal that day I had issues with chase prior with their online app banking and I filed varied complaints about not having access to my statements and how it goes blank that wasnt resolved at all. Finally on XX/XX/XXXX or XXXX I got a letter stating my account will be close if I dont show proper documentation of payments so I went to the nearest branch and spoke to a banking manager which they made a copy of both my statement and Id and still they closed my account do to error on unemployment who states the funds are mines if they dont release them either send it back to unemployment or give it back to me.
Product: Debt collection

A debt collections agency, Transworld Systems, has harassed me for several months attempting to collect on unpaid bills to XXXX XXXX, a Texas  based utility. The amount is {$890.00}. My credit score has been greatly impacted by this event dropping by nearly XXXX points. 

I do not owe these amounts. It is an impossibility for me to owe XXXX XXXX {$890.00}. I have no account with XXXX and have never lived in Texas  within their service area. 

Over the past month I have reached out directly to XXXX and requested detail of the SSN and account detail associated with the unpaid bills to support conversations with the XXXX XXXX XXXX and Consumer Financial Protection Bureau. I have received no engagement from Transworld or XXXX. 

- The collection was filed XX/XX/XXXX in the amount of {$890.00} owed to XXXX XXXX XXXX filed XXXX complaint against XXXX XXXX XXXX XXXX responded on XX/XX/XXXX. XX/XX/XXXX - - response from XXXX attached. 

- XX/XX/XXXX reached out directly to TSI and received no response - XX/XX/XXXX filed XXXX complaint against Transworld
Product: Credit reporting

Equifax has continued to report my credit incorrectly even after several attempts by myself to correct the information. Equifax is refusing to report my auto loan by XXXX. Equifax starts disputes on my accounts without me even asking. Equifax refuse to remove fraudulent inquires and put dispute comments on accounts that I never disputed
Product: Prepaid card

Tried logging in multiple times over the prior week on usbankfocus.com and it returned with an error message. Tried resetting password and going through the " get login help '' option on usbankfocus.com but it sent a message saying to call the support line. Called the support line on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for help accessing the account online through usbankfocus.com and did not receive a solution. {$300.00} dollars in cash I am unable to access or withdraw or transfer.
Product: Checking or savings account

I deposited roughly {$8000.00} into a Chase ATM and the money disappeared. The ATM just gave me a receipt and did not credit the account. This is the second time this has happened with that particular ATM. 

The first time I resolved the issue through the bank but it's apparent they are still operating a dysfunctional ATM and I can not trust it to work correctly. 

Info from the receipt : Date : XX/XX/year> XXXX XXXX  Bank location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX  # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report.

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY CAPITAL ONE BANK ( SEE ATTACHMENT ) XXXX XXXX - 17 late payment reporting including 6 months of being reported as CO XXXX  XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off ( SEE ATTACHMENT ) XXXX  XXXX - NO DATA Capital One is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX  they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting CO. To XXXX  they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card or prepaid card

I received a Visa credit card from First National Bank of Omaha that I never applied for. I called and was told that my XXXX gas charge card was being discontinued and my account had automatically been moved to a Visa. I told them I did not want the Visa and was told to call XXXX to cancel. I called XXXX and was told the gas card would be closed effective Sunday and I would have to call the bank next week to cancel the Visa as they did not have my information yet ( but had still issued a card ). 

Now, instead of having a card with which the possibility of fraud only existed at a certain gas station, I was unwillingly given a card that would open me up to fraud a nywhere. In addition, adding a Visa would negatively affect my credit score and closing that Visa immediately on receipt would even further negatively affect my score. I was told that it was too bad and that sometimes things are just out of our control. I do not want this Visa, do not want any mention of this Visa on my credit score, and never applied for this card I was sent. First National Bank of Omaha will cause damage to my credit that will take a long time to rectify and it was forced on me without my request or consent. If there are truly bad trade practices, I believe this would be among the defining pictures.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to Equifax, XXXX, and XXXX. I have asked for methods of validation and none have been provided. I would like assistance in making sure the credit bureaus complete an appropriate investigation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of Avant. The account number is unknown.

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( 9years ago ) and paid in a settlement in or around XXXX ( 6years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.