23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Could you please advise me what is " Fraud Charge Off '' ( see attached )
Product: Checking or savings account

On XX/XX/2021, my husband XXXX XXXX was approved by XXXX XXXX for 2 loan, 1 of XXXX and the Second of XXXX XXXX that was made in 2 deposits and both were deposited to the Citibank Account, when we went to the Citibank branch of XXXX XXXX to withdraw cash. XXXX XXXX asked to identify ourselves, so we did, after more than 25 minutes of not having a response from them, we left the Bank, later we try to withdraw money from the bank and they told me my account was blocked, I went to the branch located on XXXX, in XXXX XXXX, CA. they told me the account is going to be closed they did not explain why they just said you are going to receive a letter explaining why. My husband and I call customer service to know the reasons why they closed it, they did not said why this person was very rude We asked for information about the money that was in the Account, and they only told us that they would send us a letter explaining everything and that they would send us the money by check. 

From the month of XX/XX/2021 to date XX/XX/XXXX, and after several visits and calls to Costumer Service of Citibank have not given us an answer about the destination of the XXXX loan, they only indicate that as soon as they have a response, they will contact us. 

The last thing we knew was that the Account was put in Hold for fraud, which does not exist. They did not proved we committed any fraud since the beginning we identified ourselves and they themselves verified calling XXXX. We explain about that the loan, my husband XXXX XXXX met all the requirements for the XXXX loan. to be a creditor to this loan he met all the requirements for this loan application. 
From XXXX to this date my husband has been checking with XXXX if the money has already been returned to them to be redistributed to the new Bank Account, however the response has been that Citibank has not returned the money to them. Nor have they returned to us, and we don't have any statement or notice about this XXXX For this situation I ask you to be so kind to be able to help us solve this situation since the lack and refusal of responses from the bank indicate that they can act with all impunity and not give a response.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Seller scammed me over XXXX. Signed a contract for services and sent payment of {$2000.00} on XX/XX/2019 and never delivered services, and refused refunds. I called the Chase Fraud line in XXXX to get the payment reversed and was told that they can not reverse the fund even though it was a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

This is my 2nd complaint against Equifax. It has been over a year and this issue has not been resolved. I have been trying to pull my credit report and it always comes up there is an error. They finally asked me to send info via USPS which is the most non secure form of verifying info. I sent the info several times only for them to tell me that the papers were blurred. That is impossible as I checked several times. I have re-sent the paperwork yet again and now they are saying there are some form letters incorrect so there is still nothing that can be done. Each representative I get has a different response. My next step is to file a formal lawsuit against Equifax as this is not acceptable customer service to continue to get the run around about my credit. All of the other bureaus have figured it out so I am unclear why Equifax can not.
Product: Bank account or service

My account was suspended due to fraud and was debited {$500.00} due to an error for a chargeback that was already paid back and I submitted attorney paperwork to the bank that sent the chargebacks to my account I have had for over 5 years but it was not reviewed and my account was closed with no review or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 





UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Debt collection

To whom it may concern, the following bill that was provided is incorrect. I do not owe any amount of money to cypress grove apartments. I have paid receipts and bank transaction showing I paid my rent every month from XX/XX/XXXX until XX/XX/XXXX right when the apartment complex was sold to another owner out of XXXX fl. I'm a former employee who use to live and work there and i know all the lies and misinformation that XXXX XXXX and XXXX XXXX do as property management. I work with The XXXX XXXX XXXX as the property management company until their services were no longer needed. I had my lease transferred to another property by The XXXX XXXX group as i stayed on with the company when XXXX grove changed hands. please look at the XXXX transactions and bank history provided in the complaint. XXXX and XXXX grove couldnt send in the full lease agreement as you can see only page 1 & 9. where are the other pages? not only the damage information is incorrect, they are not allowed to charge for resurfacing the bathroom and and counter top as that is part of the normal getting the unit ready to move in. i have photos ( provided from my unit when i moved out. XXXX couldnt provide any proof the unit was damage so they dont charge for this so XXXX and all are trying to get extra money out of nothing since i didnt stay on with the company. I gave them my 60 day notice in XXXX which should be in my file unless they took it out but the XXXX XXXX XXXX XXXX XXXX signed off on all my notices. i have all contact information needed for XXXX can call and speak to whomever. This collection should be removed immediately. 

You can have someone at XXXX services to email me with any information that XXXX/XXXX  couldnt provide. i have provided pictures and transaction from the pay site showing XXXX grove.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. ACCORDING TO LAW 605B it is illegal to report my information on my credit report without my permission.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRADULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Amex with XXXX membership solicited a interest free introductory period which in my case was until XXXX 2015. XX/XX/XXXX the interest rate was to start accruing, however Amex has been double billing interest as well as finance charges on my account. I contacted them at least XXXX time to speak with a customer service representative which has been documented. They initially credited my account for XXXX of the interest rate charges and they backed them back into my account. I have only made purchases on this account and should not have been billed XXXX different interest rate charges as attached. This is in violation of their disclosure statement which clearly states the rate of interest at 15 % and there are not any disclosures which allow them to double bill interest rate : Your current annual interest rates as of XX/XX/XXXX:15.24 % Purchases25.24 %
Product: Credit reporting or other personal consumer reports

Can you please take these inquiries off? I am not aware of this, and the company did it without my authorization.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card or prepaid card

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the XXXX Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting

I went to Equifax on line site and filed a request for my credit report they wanted {$10.00}. I did n't see where there was a free option available. After filling out the required information my request was rejected. I then received an email stating that I had tried to excess my account and that it had been rejected there for the account was locked and to call their number on the msg. When I called the number I talked to a lady who did n't speak my kind of english and I could n't get enough information across to her to take care of my problem. I finally gave up. I want my score and I do n't want to pay {$10.00} for it this is the first time in years I 've asked for my score.
Product: Credit reporting or other personal consumer reports

I have always been known from child birth and current as XXXX XXXX and have never been known as XXXX XXXX nor any other names I have contacted Experian multiple times and they refuse and have absolutely done anything to help me out and continue having on my credit report XXXX XXXX. I need XXXX XXXX removed immediately cause that not my name and I have never been known by that name. 

I have also sent over to them my license and nothing on their behalf. 

Also I need all addresses removed immediately I have told them as well an no help whatsoever
Product: Checking or savings account

A check was written for my rent on XX/XX/XXXX. Though Capital One shows the check cashed, there is no signature endorsement on the back. My landlord said she did not cash this check, as she always signs it. I have called Capital One since XX/XX/. They are constantly saying their 'fraud team ' or their 'management team ' is handling this and will get back to me. I keep calling over and over and nothing is being done. How long can it take to find out where this check was cashed? I don't understand why they keep jerking me around. I have wasted hours and hours on hold while someone contacts " their manager '' or the person in charge or whatever. It's almost laughable now when they tell me they will have someone get back to me. This has gone on far too long and I feel they are not even handling it. I have copies of the front and back of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We are current in our mortgage payment, but our new servicing company called Ditech XXXX. LLC of XXXX XXXX South Dakota has denied we are current. The company is threatening to forclose our home even though we are current. in our mortgage payments. XXXX XXXX are being forced to hire a lawyer at a great expense to our budget. Is this denial of payment not fraud tricks to force a foreclosure of our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had contacted many times XXXX XXXXXXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago wirh no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry -Sears/cbna Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I saw XXXX collecting  for XXXX  XXXX XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately
Product: Checking or savings account

On XX/XX/2022 someone used debit card number to purchase an unknown item from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}. Again on XXXX XXXX my debit card number was used to purchase home security system from XXXX in Michigan in the amount of {$56.00}. I did not make either of these purchases. I disputed both of these charges immediately. After Capital One did their investigation I was told I would be held responsible for the charges. They claim that they sent me a text, and I okayed the purchases. That is absolutely not the case. 
My total SS income is only {$1300.00} a month. When these purchases were presented to Capital One I only had {$760.00} in my account. The fraudulent purchases should have been declined, but instead the were processed. I am a XXXX XXXX XXXX woman on XXXX. I can not afford to loose {$2000.00}. That is more than I get in an entire month. I have made numerous calls to Capital One, I have explained my situation to 8 different people and their decision stays the same. Please help me please. Most sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

An apartment complex, XXXX at XXXX in Texas, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX used the tenant/rental screening service Safe Rent Solutions to determine eligibility for lease approval. In their report Safe Rent advised XXXX to DENY the application based on the credit score they claim to have received from the reporting agencies. The score Safe Rent Solutions claimed returned to them was XXXX which was below the threshold of a minimum of 460 to be approved. By my actual credit score was XXXX at the time. This false report caused me to be denied a lease on my own credit and was used to force me to bring on a pre approved cosigner with an agreement already established with XXXX, whom I had to pay an additional {$3000.00} for the service, just to get into the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have tried to resolve the issue between XXXX and now SPS who they serviced transferred to. XXXX never sent my {$3800.00} they wrongfully collected to pay taxes not owed and have had this money since XX/XX/XXXX. I paid off the loan early from the payoff and per diem also owed to me as we as a shortage that didnt exist of {$280.00} on payoff. I have contacted them over XXXX times since XXXX both SPS and XXXX and cant find this money they claim they sent to tax accessor on XX/XX/XXXX per their own document and than the story changed to XX/XX/XXXX to Sps which they claim They never received and refuse to contact XXXX  to resolve my issue. The {$670.00} they did send me was for an ADDITIONAL tax credit owed for my last payment and not to do with the {$5100.00} owed to me still {$3800.00} escrow refund XXXX lost and never transferred with my file {$1000.00} per diem overpayment owed since XX/XX/XXXX {$280.00} no escrow shortage for taxes that were never due to the county.

If I would have owed these taxes actually and not paid off the mortgage either I would have been screwed cause the money is still unaccounted for 140 days later. To say Im frustrated is an under statement. They had someone form Sps call me yesterday without a clue. I just want my {$5100.00} Asking me to wait XXXX more days seems ridiculous {$3800.00} escrow refund {$1000.00} per diem refund {$280.00} escrow shortage collected in error {$5100.00} Thank you
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result I have been greatly affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.