23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute a charge of {$4200.00} to my Bank of America credit account ending in XXXX on XX/XX/year>. The charges made from XXXX are fraudulent because they were placed using a hacked account without my knowledge or authorization. 
There are XXXX unique charges for XXXX items. These orders were all flagged as suspicious by XXXX themselves ( confirmation email attached ). These items included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In your response to the claim being denied you cite notifications from XXXX that " Multiple Data Points Indicating Legitimate Transaction '' One of these data points is " tracking information establishing item as delivered to [ Address Verification System ] verified address. '' USPS provided me with 2 tracking numbers for these XXXX items : XXXX. Tracking # XXXX : o Purportedly for the XXXX women 's wetsuits listed above o Shipped via Priority Mail o Shipping Weight = XXXX lbs A typical woman 's XXXX XXXX  wetsuit could be expected to weight between XXXX and XXXX lbs. XXXX of them would weight at least XXXX lbs. Not the XXXX lb shipping weight listed It states the package was left with " Front Desk / Reception / Mail Room. 
My shipping address is a single family home, and I have neither a front desk, nor reception area, nor mail room. 

XXXX. Tracking # XXXX : o Purportedly for the XXXX (! ) guitars and amplifiers o Shipped via USPS Ground Advantage o Shipping weight = XXXX ounces (! ) A similar listing for these guitars show a shipping weight of XXXX lbs each. The expected shipping weight for this package ( XXXX ) would then be expected to be XXXX lbs! This is significantly more than the XXXX ounces USPS documented as this shipping weight. 
In addition, USPS Ground XXXX will NOT ship any item over XXXX. 

While the US post office representative could not give me the exact addresses to where these packages were shipped, he did confirm that both were shipped to separate addresses that were NOT my " Address Verification System ] verified address '' of XXXX XXXX XXXX 
. 
He further elaborated that this is a well-known USPS fraud scheme as their tracking system only shows " DELIVERED '' status and the delivered ZIP CODE. 

Bank of America Denied my claims twice, Once on XX/XX/XXXX and once on XX/XX/XXXX. Evidence cited to not honor their " {$0.00} Liability Guarantee '' is " Based on your account history, this charge is consistent with previous charges made with this merchant. '' This is unacceptable evidence give the merchant has specifically said the charges are suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX EQUIFAX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called One main they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone number. Also the letter didn't say why I was denied.
Product: Debt collection

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
ROOMS TO GO ACCOUNT # XXXX TOTALLING {$860.00} SYCHRONY XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO ROOMS TO GO. I AM NOW SENDING IT TO XXXX XXXX XXXX. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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: Debt collection

MERCHANTS ADJ SERVICE Reported : XXXX. XXXX, 2024 - {$1200.00} XXXX XXXX XXXX XXXX MERCHANTS ADJ SERVICE Reported : XXXX. XXXX, 2024 - {$530.00} Needs Attention XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2016, I C System placed a derogatory remark on my credit file. They claim that I owe {$670.00} to XXXX XXXX XXXX. I 100 % dispute this charge. This is a service that I told them that I never wanted and they charged me for it anyways. I would like for you to please have this negative remark removed from my credit history as it is greatly affecting me in a negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 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 items 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 if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed inaccurate information being reported by XXXX from an alleged account From XXXX XXXX XXXX XXXX XXXX is reporting that the account was closed XX/XX/year> until now, while Equifax is reporting on time payments in XXXX. Both of these can not be correct so with that being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. with this, XXXX is not following the consumer right law and I would like for this information to be DELETED immediately.
Product: Credit card

In XX/XX/scrub> 2024, we had many fraudulent charges on this credit card. We do not use this account, but there were XXXX  charges to an XXXX account we do not own. We disputed the charges and barclays resolved it in our favor. But they credited our account for the same transactions multiple times. Then cleared the balance and later returned all thr credits to our account, putting each original dispute transactions back on our balance, but 3 to 4 times per transactions. We've called about 10 times, and every time we spend hours on the phone being sent from one person to the next until they say a manager needs to call us. They say we'll get a call within 24 to 48 hours. We either never do, or when barclays calls, there is no one on the line. Just silence. I've stayed on the call for 2 plus minutes. All you hear is this call is being recorded and then total silence no one on the call. I've also sent a letter by mail and received a response saying we need to call. Which I did, spent 1 hour and 43 minutes on the call to be told customer service will call me back. Our current balance is almost XXXX of duplicated charges and we can't get any answers.
Product: Credit reporting

1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts2. I have been unsuccessfully trying to get removed the XXXX collection account, " recovery '' item also agreed to by XXXX to remove in the attached e-mailThank you for your helpXXXX XXXXDOB : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX : XXXXXXXXXXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated, but how is that possible if the fraudulent account was never blocked due to identity theft. I have sent them a copy of my police report and also informed Transunion that the id theft situation is already being investigated and the listed account shall be removed and blocked. This is ground for removal and they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX credit card it was closed and now it says dispute resolved customer disagrees or something along those lines. I have contacted the credit bureaus and it gets removed and then reappears. Im not sure what to do. The account was in good standing and was paid off in full
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed that there are accounts reporting double for education loans. This information is detrimental to my debt to income ratio because I am in the process of trying to purchase a home and this is setback to accomplishing this goal because inaccurate information is being displayed. The credit bureau is supposed to make sure all information that is reported is accurate and complete, however this is not the case. 

XXXX XXXX  XXXX is not my loan servicer currently, however this is information is on my credit file as well as showing a 90 day past due on all accounts form XX/XX/year> which is also inaccurate because the prior XXXX months are reporting as OK or on time, so it is not possible to be on time XX/XX/year> and XX/XX/year> if the accounts were past due 90 days XX/XX/year>. Below are the amounts that are listed as owing, but they were paid and transferred to XXXX which is also showing. 

{$1300.00} {$2100.00} {$4100.00} {$24000.00} {$1100.00} {$15000.00} {$650.00} {$1800.00} {$12000.00} {$770.00} {$6400.00}
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX XXXX XXXX. I am currently receiving PUA unemployment due to COVID-19. I have been on unemployment since XXXX. I have never had a problem with my reliacard until XX/XX/2020. I made a transfer of {$1400.00} from my reliacard to my XXXX XXXX card. After I attempt to make the transfer my card was block from any further purchases and the {$1400.00} never deposit into my XXXX  XXXX  account. I awaited numerous days and currently still waiting and nothing. Ive made several calls to reliacard and they told me I needed to fax verification to them for proof of identity to try and combat fraud. I sent my ID, my passport, my birth certificate and my card ID number right away and it has now been 18 days and I still dont have any access to any of my funds and my transfer was never completed. I have proof of everything. Please help me. I am not a scammer, I am not committing fraud. Im just a mom of XXXX  who needs to feed her children and pay my bills. Please help me. My telephone number is XXXX and my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This bank is supposed to give rewards for purchases. They are very slow in giving rewards on purpose. It's a continuous problem with Citizens and Mastercard. They are slow ... .. in updating. Their website for credit cards says to go to e-mail to retrieve a one time passcode but it is never there even after a half hour of waiting. There is something terribly wrong and it has to be corrected. Here I get XXXX cents interest on a large sum of money but they advertise big rewards. And then one has to ask for the rewards which are unattainable! Please investigate this possible consumer issue.
Product: Vehicle loan or lease

I purchased a car from Carvana and they state that all maintenance was done on the car before purchase. After 2 weeks of having the car the change oil light came on. When I contacted them they said too bad, this is routine maintenance. I had to pay for it myself.
Product: Checking or savings account

On XX/XX/XXXX I became aware that my business partner had removed me from our business accounts after making exaggerative and false claims to the bank. The bank holds the operating agreement and never contacted me allowing her to not only remove me from the accounts, but to put old accounts on hold and open a new business account with only her name on the account. 
They have said that because I was not listed on XXXX here in florida as an owner on the account, but allowed up to keep running the account stating that the operating account was good in all it stated. The bank Manager of the XXXX XXXX branch XXXX XXXX had told us that the agreement needed to be updated to make it clear so my business partner and I did correct the document to meet the needs of the bank. 
Upon my partner, XXXX XXXX being made aware for a final time she needed to correct the way she was billing XXXX by me becoming aware she was breaking the law she went to the bank and had me removed. XXXX XXXX went to meet with XXXX along with her ex husband and claimed many false things and XXXX the manager of the XXXX XXXX XXXX branch at XXXX XXXX XXXX then proceeded to remove me and then he refused to speak with me about the matter in any detail at all. 
I then contacted the small business banking 1800 number who stated this seemed to be wrong on XXXX 's part as Forida law does count the operating agreement as ownership notice and the agreement clearly states 50/50 voting rights as well. I then found my way up to speak to XXXX XXXX who met with PNC banks attorney 's and came back saying that XXXX had made a correct choice in removing me. After speaking with the state they have made it clear that they should not have removed me in this manner and even more it goes as a breach of contract against XXXX XXXX XXXX XXXX. XXXX then proceeded to claim thousands of dollars of charges were fraudulent including monies that were paid to employees and helpers at the birthing center. She also refused to pay some employees as backlash for them being supportive of me. It is imperative for the safety of mothers who will deliver at the center and the financial livelihood of some employees and myself as a true owner that she is not allowed full control any longer. 
At this time XXXX XXXX is under investigation by the Attorney General and my fear is she will be using these business funds to use in her XXXX fraud case, the state of Florida as well as XXXX are starting an investigation against her for other issues along with XXXX fraud. XXXX XXXX has been able to steal from me at this point along with the government via XXXX fraud and the bank is enabling her by allowing her to put all business funds in a separate account. Even more than theft her carelessness has allowed babies to almost die and this stems from her having full control of the business funds.
Product: Credit reporting

TRANSUNION HAS REFUSED TO UPDATE MY CREDIT REPORT WITH XXXX AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. THEY HAVE COMPLIED WITH THE XXXX, BUT NOT MY AUTO LOAN WITH XXXX TRANSUNION ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am demanding the deletion of public record the bankruptcy that is currently reporting with your company as you are. not able to verify the accuracy of this information. If you can verity this account, please forward me the appropriate information, In accordance with the Fair Credit Reporting Act XXXX has violated my right 15 U.S.C.1681b 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A Section 2 A consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TXXXX XXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

The repeated errors on my report are causing me a great deal of stress and anxiety. It feels like I'm constantly fighting an uphill battle, trying to prove my creditworthiness when these inaccuracies paint a completely false picture of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has listed my credit score as XXXX out of XXXX. It is listed as " Fair '' credit out of the following categories : 1. Excellent 2. Very Good 3. Good 4. Fair 5. Poor I have 0 late payment history. I have 0 % credit utilization of existing credit line, which means I am not in debt with my credit card company. I had 100 % utilization, but my score was not changed significantly from 100 % to 0 % and in fact increased. So that was not the issue. I have only 1 hard inquiry.

The only category they rate me low in is with the number of accounts. This category is listed as having a " Low Impact '' on my score. Since the possible high score is XXXX and mine is XXXX, that is not a " Low Impact '' score, that is a very HIGH IMPACT. They can't explain it. They transferred me to three supervisors, one of which claimed I had more than one credit card account. I told them I didn't and he disagreed with me. I pushed the issue and he finally admitted I only had one and the other one was an auto loan that is in good standing. So they are not clear on their procedures and looking at data when they accused me of having more than one credit card. 

They also told me that they can not investigate. They have told me they can't give out information regarding the criteria affecting my score. Later a supervisor became frustrated and made up an answer as to why, but could not confirm it. They are giving me the run around. More than one rep has said they don't know exactly why, they only have assumptions. Guessing is not appropriate. It is illegal for the credit bureau to report information they can not verify, to merchants issuing credit. I need help.