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

On or about XXXX XXXX, CitiBank allowed an authorized checking account to be opened in my name. 
Fraudulent actors diverted electronic funds into this account and stole the funds, and closed the account.
Product: Mortgage

The monthly payments are automatically debited from my checking account. I have proof that I've made the monthly payments. The most recent statement effective XX/XX/2022 shows that my mortgage loan is {$13000.00} past due. The mortgage was transferred from XXXX XXXX XXXX to Selene Finance LP on XX/XX/2022. 

I sent proof that the payments were made by sending XX/XX/2022- XX/XX/2022 bank statements to indicate that the payments were automatically taken out of my account. The information was sent to them certified, return receipt requested. It was sent to them on XX/XX/XXXX or XXXX. The postal worker stated that Selene would receive it by XX/XX/XXXX. It is now XX/XX/XXXX and supposedly no one has received it. 

I need IMMEDIATE help to resolve this issue. After a phone call with the new servicer she is now saying that it was for months before because she miraculously show that the XXXX - XX/XX/2022 payments were made.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXX/XX/XXXXon XX/XX/XXXX under the account number XXXX, an XX/XX/XXXXaccount opened at XXXXXX/XX/XXXX on XX/XX/XXXX under the account number XXXX, a XX/XX/XXXX account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XX/XX/XXXX XXXX on XX/XX/XXXX with a balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

California XXXX announced it was stopping the relationship with XXXX XXXX XXXX and would begin using Money Network in XXXX of XXXX I have received a total of 3 loads into the account ; one was for {$450.00} and the second was for {$900.00} and the most recent one ( which funded AFTER MoneyNetwork closed my card ) was for {$450.00}. Of those amounts, only the fist one was I able to obtain through the ATM. 

On XX/XX/XXXX, XXXX loaded {$900.00} onto the card. I went to a local XXXX XXXX XXXX ATM to remove money. It noted there was only {$31.00} in the same account that had received the XXXX XXXX dollars a few days prior. I immediately called the number on the back of the card and inquired about the missing funds. The staff person took down very little information, said they hoped they could help me but figured it would be a long time before they could find the money! Then, the staff person cancelled the card and told me another one would arrive in 2-3 WEEKS. What? I need that money NOW. Then, on XXXX, XXXX loaded {$450.00} into my account, but of course, I can not use it because the staff person cancelled my card. I have no way to access even the {$450.00} that is supposedly now in that account. 

I don't mind telling you that the discussion online about XXXX and MoneyNetwork is echoing the same issues. Everything seemed to work just fine with XXXX XXXX XXXXXXXX. Now, I have no idea how to obtain my funds. This has been a train-wreck of stress for someone who is now XXXX and just trying to collect XXXX  as is my right here in California.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX -BALANCE {$430.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX told me to call Capital One so they could stop blocking XXXX XXXX but Capital said that they werent.
Product: Money transfer, virtual currency, or money service

bluebird by American express fraudulent business practices they forced everyone to update the app causing all customers to be locked out we can not access our own money
Product: Money transfer, virtual currency, or money service

Sir.The prize amounted $ XXXXUsd was said that in my name and contac to the bank of america.After the contacted them they had send me prize winning certificate.I don't know who issued that certificate and the certificate are true or not.But according to those certificate issued in my name I had claimed the winning prize.But they said that first to pay the transfer and processing charged amounted to {$1700.00} Usd.I refused to pay and asked them to transfer me the amount deducting the transfer fees.But they said the prize couldn't be deductible because of uno security reason and insurance protection.so the fund is still in hold or what was the actual reason.? Now they are telling me they are going to return it in government unclaimed fund.So what was the actual reason and what should I do to achieve that prize amount if that is real and genuine .Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Checking or savings account

Numerous times in the last 5 years the bank has put a hold on my account claiming the checks that were deposited were not paid. It wasn't until the pandemic that I had the time to follow the money. As it turns out that since I have had the ability to follow the money, the bank receives the check is paid for it and at a later date places a hold it, after the bank receives the funds for it. The hold is extensive, usually ten days while they overdraw the account and claim to my creditors that the account has insufficient funds, but never notify anyone that they had placed a hold on the account even after they had collected the funds. 
This seems to happen at least once a month with the latest hold happening XXXX even after the deposit was paid on XX/XX/XXXX. This has caused me thousands in bank fees, late charges and has adversely affected my credit rating making it almost impossible to get any type of credit at a completive rate. 
I am in the process of having my accountant tally what the cost has been to me over the the time I had filed the last complaint XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd  party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS
Product: Debt collection

ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES HAS CALLED MY CELL PHONE REPEATLY PHISHING TRYING TO COLLECT A DEBT I DO NOT AND NEVER OWED THEM AGAIN ONE BROWN PENNY! THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION ACT! NEVER A LETTER COMES BEFORE THE UNLAWFUL PHONE CALLS TO MYSELF AS WITH THE IILEGAL TACTICS OF PHISHING TRYING TO COLLECT A DEBT WHICH PORTFOLIO RECOVERY ASSOCIATES IS KNOWED THRU OUT THE COUNTRY FOR! I REPORTED THEM ON THE SAME COMPLAINT XXXX ON XX/XX/XXXX ALSO CALLED THE XXXX XXXX   XXXX AND TOLD THEM TO STOP THIER NONSENSE! THE FLORIDA STATE ATTORNEY WILL GET MY NEXT LETTER TI GET THEM TO STOP VIOLATING THE LAW. I  AGAIN DO NOT OWE THEM ONE BROWN PENNY OR ANY MEDICAL INSTITUTION THEY ARE PRETENDING TO COLLECT FOR! I AM A XXXX FOR OVER 30 YEARS AND KNOW WHEN A FRAUDULENT PRACTICE IS BEING DONE TO MY REPUTATION AND MYSELF!
Product: Checking or savings account

XX/XX/XXXX On XX/XX/XXXX I received in the mail a bank statement from Wells Fargo every day checking I have never opened a Wells Fargo every day checking account or a Wells Fargo account. I called Wells Fargo with the account number on the statement as well as the surname ( that was my surname 6 years ago but not now ). I spoke to XXXX & XXXX in the fraud department of Wells Fargo explained that I never opened this account, I did have to verify the last four of my social which she verify it was correct she did tell me this account was open in XX/XX/XXXX. I was instructed to file a fraud freeze alert with credit bureaus, contact my bank and notify them of my stolen identity, file a complaint with federal trade commission/Consumer financial protection Bureau and then File a police report with my local police. I am filing this complaint because someone has stolen my identity and opened a bank account and who knows what else is out there this is FRAUD and I would like to have it stopped.
Product: Mortgage

An XX/XX/XXXX payment was made to Loan Depot. XXXX XXXX  tracked the payment and confirmed that it had been received by Loan Depot. This payment has been in dispute since XXXX. Loan Depot told us originally this would be settled by XX/XX/XXXX. The current XXXX statement XX/XX/XXXX charged us a late fee of {$45.00} for the XXXX payment when the bank statement shows the withdrawal was made on XX/XX/XXXX. When is this going to be settled?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by Credit Karma, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact Credit Karma since its supposedly a known issue that had reached resolve, so I did, and Credit Karma suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off account on my credit report from XXXX XXXX I began disputing it back in XX/XX/2021. The information for this account changes every month ( balance, date of first delinquency, etc. ), the information as to when it actually charged off between the XXXX bureaus is completely different which per the Fair Credit Reporting Act ( FCRA ) signifies inaccurate reporting. This account is sinking my credit score and I have attempted to work with both the XXXX credit bureaus and the original creditor to no avail. The company refuses to even send me a settlement letter or billing history verifying this debt, which I'm pretty sure is also a violation of my rights under the FCRA. The credit bureaus also are supposed to provide information regarding how they went about verifying the accuracy of a debt when which was not done when I requested an investiagtion. What is the point of having the FCRA if the credit bureaus and companies can simply do what they want and get away with it?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXXXX/XX/XXXX alleging that I owe {$2000.00} for XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Having never received an invoice from XXXX XXXX XXXX XXXX, XXXX for this amount I asked for an itemized invoice proving that I owe the amount. XXXX XXXX XXXX  did not provide an itemized invoice or anything from XXXX XXXX. Instead, they sent me a letter from XXXX XXXX simply indicating the amount owed. Furthermore they flagged the account as delinquent in all three credit agencies. 

If XXXX XXXX XXXX is claiming that I owe said medical debt then they must provide me with an itemized invoice. 

I have contacted the billing company for XXXX XXXX. They said they assumed billing for XXXX XXXX in XXXX and did not have access to the records prior to them taking over. Their phone number is XXXX. 

I contacted the prior billing company and they said they no longer have access to those records. Their phone number is XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, I received a notification from the Capital One app indicating purchases had been made on XX/XX/2021. As I did not recognize these purchases, I first, check the website to verify the information where I found five fraudulent charges totaling {$550.00}. All charges were made on XXXX/XXXXXXXX between XXXX and XXXX in downtown XXXX. I live over XXXX miles away in the north suburbs. I immediately called Capital One to report fraudulent charges. The representative reviewed charges, closed the compromised card and issued a new card. I received confirmation letter from Capital One dated XX/XX/2021 but information was incorrect as only three charges were included. This was followed by a second letter dated XX/XX/2021 stating that no fraud was indicated and charges would be billed back to my account. I called on XX/XX/2021 to inquire about the reason for the decision since there was no information included. I was informed that the chip had been used for in-person purchases at all locations leading to the decision no fraud had taken place. Additionally, since the chip had been used, I was informed that this would become a dispute resolution. Not knowing the nomenclature, I assumed more investigation would be conduct. I also informed the representative that I had video evidence from my XXXX XXXX showing me at home during all timepoints the fraud was committed. Capital One provided a secure link to upload screen captures from videos which was completed on XX/XX/2021. Finally, I received notification dated XX/XX/2021 that part of my claim had been denied because I failed to initiate a return with the vendor. I can not initiate a return for merchandise I did not purchase nor am in possession of. At this point, I can only assume this will be the decision with all five fraudulent charges. 
On XX/XX/2021, I again contacted Capital One to provide explanation and relief. I was provided another secure link to upload information including screen captures from my video evidence showing me at home. This was completed on XX/XX/2021 along with a fax sent to number provided from letter dated XX/XX/2021. I am now in receipt of a letters indicating Capital One has closed it's investigation and charged my account for the fraudulent charges. 
Ultimately, this is a case of fraud and NOT dispute resolution. I can not return merchandise nor provide receipts for transactions that I did not make. Additionally, I have been told by Capital One representatives that fraud involving chipped cards being cloned, copied, or hacked is impossible. A simple XXXX search returns XXXX articles and XXXX XXXX videos indicating it is not impossible.
Product: Credit reporting or other personal consumer reports

Im a victim of XXXX XXXX and please block within 4 days 605 c credit act.
Product: Credit card

I had the card for about XXXX XXXXXXXX. 
Every other month or so, the company blocks my card and says I must phone to verify my bank deposits onto the card. 
And every time I phone the credit card company, they then do a three-way call to my bank, who then verifies it is my account. 

This happened again last week, except this time the credit card company said they could not reach my bank and told me to send XXXX months of bank statements instead. 
They then sent a link for me to upload my statements, which I did. This was on XX/XX/2024. 

Now, XXXX days later, the credit card is still blocked. Meanwhile, they have more than {$1000.00} of mine that paid, and I can not access. 

Also, there is a {$300.00} debit on my card that I need to dispute but their system does not allow me to dispute it.
Product: Debt collection

My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal.
Product: Checking or savings account

I sent two emails to Banco Popular in Puerto Rico. 
Dates sent : Thursday, XX/XX/2023 XXXXXXXX XXXX  and XXXX XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX ; and a specific person who has the authority to respond. 
Subject : Urgent Request to Freeze Bank Account The email contains my mother 's full name, my official duty as her XXXX my mother 's SSA number, the bank account number, the death certificate, my contact info, offered to furnish evidence of my identity to validate request as well as stating that I live outside of Puerto Rico. 
My email request did include : 1. Added to subject field and body of email " freeze '' my mother 's accounts, 2. provide statements, provide a response On numerous times, I have also called and was unsuccessful despite that the call center staff ( 3 ) stated that they would create a " claim '' and send a message.

For any financial institution to know upfront that the inquiry is from someone who resides outside of PR, and for two separate bank locations to state that I would physically need to go directly to the branch to provide a death certificate, and not respond to a customer 's concern more than a month ago is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}