23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I placed a security freeze for all 3 credit bureaus to ensure nobody would try and steal my identity after the major SSN leaks. When it came to placing the freeze with TransUnion they kept saying I was getting identity confirmation errors but SOMEHOW placed a freeze. Today I go to lift it as I was applying for a new credit card and its giving me that same identity verification issue. I call TransUnion to get it sorted out and they say they can't help me and to vaguely mail my SOCIAL SECURITY CARD TO THEM? With no sort of explanation on what other documents were necessary, what to include in the package besides my Social Security Card. I don't understand how that's even okay and how is it possible to place a freeze on my credit but not be able to unfreeze it? These people are clueless and we can not keep letting people like this hold onto personal and important information. Thank goodness I figured this out before applying for things like an apartment or trying to buy a car because they wouldn't have been able to access my credit report,
Product: Checking or savings account

On XX/XX/XXXX. XXXX, {$12000.00} was wired out of my checking out illegally. I always check my accounts when I saw my money of {$12000.00} exiting my account I immediately walked to Citibank. I work 3 minutes walking distance from Citibank. I also called Citibank when I saw the money leaving my account. I signed an affidavit and notarized it stating I did not authorized anyone to withdraw money out of my account. I gave this affidavit to the XXXX XXXX at Citibank ( my banking branch ). Citibank never contacted me to inform me of this wire fraud for the large amount of {$12000.00}. I filed a police report when Citibank refused to return my funds the complaint number is XXXX. I also have a FOIL number from XXXX. I am currently waiting for the police report. Citibank said they were doing their own investigation on how this money was taken out of my account. Citibank did not assist me. They lack in customer service. Instead Citibank stated I may have clicked a link and or didnt change my password. This is ridiculous! I didnt change my password because I didnt need to. I change my password occasionally. The detective on my case ( XXXX  XXXX ) from the XXXX precinct in XXXX, XXXX stated that the money {$12000.00} was wired to XXXX  XXXX XXXX in XXXX, Virginia ( Not in XXXX where I reside ) and Citibank is liable. XXXX XXXX has been speaking and in contact with Citibank. Citibank supervisors stated some money was captured the fraud was stopped midway. However Citibank stated that XXXX  XXXX XXXX failed to disclose the amount captured. Citibank stated that I failed to secure my account. But why I have ( and still am! ) been a customer of Citibank for over 25 years there was no need for me to change my password. I use my CitiBank checking account to shop, and pay bills. I was also going to make a large payment when my account was hacked of {$12000.00}. Customer service at Citibank has been horrendous. I am put on hold for long periods of time. Citibank states there is no new news therefore they are holding my money when they claim they are FDIC insured. They dont accept messages. I have sent emails to the President of Citibank in XXXX, XXXX and to no avail. This is NOT acceptable! I want my money returned to me asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute : of Account Information - XXXX XXXX Dear TransUnion, I am writing to formally dispute the information related to my credit report, specifically concerning the account reference letter stating that XXXX XXXX loan is still paid in full. 

Please find enclosed copies of documents that support my claim, including all relevant documents, such as my loan payoff statements, I kindly request that you investigate this matter asap and update my credit report to reflect that this loan has been paid off. 

As I am currently in the process of applying for a mortgage loan, with XXXX XXXXIt is essential that my credit report accurately reflects my financial status. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, CFPB TRANSUNION IS IGNORING MY REQUEST ALL DOCUMENTS WILL BE UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB We previously reported to you concerning Bogus addresses on my Experian credit report, both myself and our attorney contacted Experian in an honest attempt to clean up my report. As you know from my prior conversations with you on the phone I have suffered from XXXX and my doctors are concerned about the stress this type of behavior coming from Experian is having on my health. We therefore, request CFPB to recheck your data base as you have previously done to see if you are at the point of taking major action against Experian as they are still being disobedient to Federal Law. 
First of all, when we realized that there were old addresses on my report that are obviously not deliverable via the U.S. Postal Service we requested Experian to remove them, but instead what they did was to duplicate them with bogus unit numbers which do not exist, Experian knows they don't exist but put them on my report anyway, this is deceptive trade practice on the part of Experian and they need to cease this behavior according to my attorneys. 
Secondly, I have never lived in XXXX XXXX yet Experian is reporting that I have, I've only driven through that city maybe four times in my life and I certainly have never lived there no more than I lived at those addresses they are listing on my report, I certainly have not. If this goes to court, and it certainly looks like it's going to, Experian had better be prepared to Prove conclusively with evidence that I did, but i'm not worried because I have never lived at those addresses.
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was posting on a XXXX page in search of concert tickets and came into communication with a woman who provided me with legitimate looking screenshots of tickets on XXXX XXXX along with her license and identification photo. I then sent her {$370.00} through Zelle at the email XXXX. After confirming that they had received the money, they said they were going to transfer the tickets through XXXX XXXX. Once time passed and I did not receive the tickets, she said that she wanted more money. I refused and she said they would return the money back and provided legitimate looking screenshots of a bank account returning the {$370.00} to my name. I have not received this money and the woman is no longer responding to my messages. My bank account has said that they can do nothing about it.
Product: Credit card

On XX/XX/year> a purchase alert came to me by the message : " Synchrony Alerts {$54.00} card not present transaction exceeds {$50.00} at AMAZON XXXX on your Prime Store Card ( Synchrony Bank ) ending ****. '' We called the number on the card to report a fraudulent purchase and close the card. They launched an investigation and didn't respond back with the results, instead sending me the {$54.00} bill without additional information. In addition, they opened a new account without my consent, putting said bill on the new account. Despite reporting the fraudulent purchase right after receiving a notification for a purchase, they still required me to pay {$54.00} on a card that stated {$0.00} fraud liability. When calling to question why I was charged even after reporting a fraudulent purchase, they simply sent out the investigation report that stated quote : " You have accepted responsibility for the charges. '' Even though I didn't. When calling Fraud Investigation Team Manager, they refused to explain what kind of investigation was made and didn't do their job in resolving the problem, simply stating " You have to pay this '' with no further help. There was a recent data breach with my network provider, which was followed by this situation. In my amazon purchase history there is no order stating what was even purchased, leaving me even more confused. The report claimed that the order was shipped to my location, despite me not receiving any packages or items. How is the shipment of the items possible if I called to cancel this fraudulent purchase?
Product: Debt collection

Portfolio Recovery is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed
Product: Debt collection

HRRG collection agency calls my phone repeatedly. 8-10 calls a day. They called me at XXXX a few days ago. I already spoke with them and explained my child had insurance and the hospital failed to bill correctly. To stop calling. The calls are all day and evening. They always call from a different number so I can block the calls. Its getting out of control. So far today they have called 10 times. Its XXXX. The calls started and XXXX. They will probably call and 5-6 times. Sometime they call back to back.
Product: Credit reporting or other personal consumer reports

1099c I do not recognize how this account is reporting on my credit report. I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, I do not recognize the late payments associated with this account. 
Please delete ASAP
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX  Attorney General and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAU is required to remove any account not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 

XXXX XXXXXXXX XXXX XXXX XXXX, MT XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXXXX/XX/XXXXBalance {$0.00}
Product: Credit card or prepaid card

Wells Fargo denied my credit card request for the XXXX XXXX in XXXX, IL. At the time, I wanted to build a home office business. I did not have a credit history but excellent payment history with a XXXX score of XXXX. XXXX XXXX XXXX approved my credit card for a {$3000.00} limit instead, which I used to set up an <bXXXX XXXX XXXX XXXX XXXXXXXX ( but not including other equipment I wanted to get like a photography camera, drone for video footage, and sewing studio, etc. ), and I build credit history with that paid in full. I am sure if the consumer was in a different income bracket there would have been better treatment. 

The date of the attempt to get a credit card was around XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Hi, I have a CashApp account from XXXX that has a negative balance of {$150.00}. I explained to CashApp that I am disputing the debt, and have no knowledge of it, but they are refusing to close my account without payment. 

Per their terms of service, I have a right to close my account. They also will not provide any additional information about the transactions. 

I contacted CashApp support on XX/XX/XXXX.
Product: Credit card

Walmart allowed someone to open a credit card in my name with my social security number, a different address than my own. I called to have them cancel the card and remove the inquiry from my credit report. 
It is now on my report as lost/or stolen making me look irresponsible ... 
I want the whole thing removed!!! 

It was opened fraudulently!!!!!!!!!!
Product: Payday loan, title loan, personal loan, or advance loan

I called Navy Federal to complete documentation on the phone for a personal loan of up to {$50000.00} on XX/XX/year> with an interest of 12.29 % for 36 months, with a payment of {$1600.00} monthly. The loan was approved, but I questioned our score when we received the credit score in the mail. They informed us that is what XXXX sent to them. I called to confirm our scores with XXXX and that was not the score they have or the detailed information they have on file. I have spoken several times with Navy Federal, and they have since denied the loan. 
My concern is the credit information of my husband and myself being used to obtain a loan. This would have been a joint loan. XXXX reports my score as XXXX and my husband 's as XXXX. When speaking with one representative at Navy Federal, the statement was for a low score. We have too much credit and may charge up all the cards after receiving the loan. We pay off most of the charges monthly except for a mortgage and a loan for a water heater. 
If we can please verify our true credit scores, we would appreciate it. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX  ,  XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.
Product: Credit card or prepaid card

I went to a club in XXXX on XXXX XX/XX/XXXX XXXX  called XXXX XXXX. My friend group and I decided to get a VIP section, to which the front host told me would be {$520.00} total. The next day, I saw my bank statement, and there was a charge for a total of {$850.00}. I called American Express to dispute {$320.00} in this transaction that I was overcharged. A few weeks later, they closed the dispute and said that the charge would remain in my account because the merchant had provided a receipt of the transaction, which I never got. Upon inspection of the receipt, the first thing I realized is that they had forged my signature. I called AMEX to discuss the dispute and they said they couldn't do anything about it even if the signature was forged, and that it was basically my word against the merchant. But because they provided a receipt, they sided with them. They did not care that the signature on the receipt was forged, even when I re-opened the dispute and provided documentation of what my signature has always looked like my entire life.
Product: Payday loan, title loan, or personal loan

I have received an email from a settlement attorney on behalf of Ace Express which works with XXXX XXXX. They have stated that if I dont pay the settlement fee of {$450.00} in 20 hours they will file a case against me and I can also receive jail time, which I know is false because they can not criminally charge me of anything. I have looked at several complaints where people have received the same email that I did and I want this resolved now.
Product: Credit reporting or other personal consumer reports

I Looked at my credit report on XXXX XXXX, XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


1. ( XXXX XXXX XXXX, XXXX, XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX  XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXXXXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. ( XXXX  XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B I WOULD LIKE THESE ACCOUNTS REMOVED.

ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting an old closed account that is over 7 years old. The creditor that is reporting this outdated closed account on my credit bureau is American Credit Acce. I have disputed this item several times with the credit bureau and the creditor.
Product: Credit reporting 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. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A joint check in the amount of {$23000.00} was issued by XXXX XXXX to me and my ex-husband ( in between the two names, there is " & '' ) on XX/XX/2023. The check was deposited without my consent/signature into my ex-husband account at Randolph brooks federal credit union XXXX XXXX XXXX XXXX XXXX XXXX, TX on XX/XX/2023. A copy of the cleared check shows that the check was signed only by my ex-husband and on the second signature line, it is clearly written " For XXXX ''. The check should not have been accepted by RBFCU and also rejected by the check issuer since it is not properly endorsed. I would like the RBFCU reverse cashed check, so I can claim my share on the check amount.
Product: Checking or savings account

On multiple occasions I was charged fees for transactions even though I didnt have any money in my account. Also letting transactions go through when my funds are low.