23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a XXXX gift card for {$99.00} as a gift and I opened it for the first time on XX/XX/23 and attempted to use it to pay for dinner. It processed for XXXX cents. The rest of the card was apparently already fraudulently used by someone else. I logged into the website for the card which is XXXX with a phone number of XXXX. On their website they showed that the card was used 3 times, on XX/XX/23, XX/XX/23, XX/XX/23 and at a XXXX XXXX in XXXX California on terminal number XXXX. At XXXX, XXXX and XXXX which is interestingly XXXX hours before the XXXX  ( all XXXX of them ) in that city even open. The card was apparently listed under the name of XXXX on the XXXX website too. Which makes no sense since I literally opened the card today ( on XX/XX/23 ) in XXXX  where it was purchased and paid for at a XXXX XXXX XXXX ( XXXX ). The XXXX people asked me for my first and last name which I provided and gave poor instructions on how to report this fraud with a hint that if I follow along they might be able to do something to get my money that was fraudulently stolen back. They asked me to upload the front and back of the card and the front and back of my government issued ID, which makes me super uncomfortable and is totally unacceptable from a company who clearly lost at least some of their XXXX credit card numbers in the first place. Who is to say they won't " lose '' my private information too. As I see it they owe me {$99.00} and shouldn't make people who are taken advantage by their poor business practices jump through hoops when they are ripped off. It wasn't even clear where to upload this on their site if I felt safe to do so specific to fraud. Any help with this company is appreciated and I hope someone can figure out who is ripping money off through a XXXX credit card terminal hours before they open. Thank you.
Product: Consumer Loan

XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written four letters disputing XXXX from XXXX, XXXX, and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Product: Credit reporting or other personal consumer reports

I am receiving a letter from the bureaus saying that I am not the one who sent the letter for inaccurate accounts and unauthorized inquiries on my credit report. this is not true because I myself send my letter to the bureaus. This is a list of negative accounts that I want to delete. 
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

I am writing to dispute an entry on my credit report. The entry in question is Credit Collection Serves. The acct # is XXXX XXXX XXXX, I believe this entry is inaccurate because it is not my account. In accordance with the Fair Credit Reporting Act, I am requesting an investigation into this matter. 
Please investigate this matter and correct my credit report as necessary. I request that you respond to me in writing with the results of your investigation. 
Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2022 I was served paperwork that a case was filed against my spouse and I in court. 
XXXX XXXX and the lawyer representing them should be fined. 
At no time prior to this case being filed were we notified of any alleged debt. We did not receive any written or verbal messages to the fact so we could have disputed this and asked for debt verification. Our rights were violated under Regulation F 12 CFR Part 1006.

From the onset prior to being served there was no communication from XXXX Gurstel Law Firm or XXXX XXXX of any alleged debt bought from a debt buyer allowing us to be able to dispute and ask for validation. 

Case should be immediately removed from Arizona court and never to be able to sue me again or my named spouse on court case.
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. 1681 c-2 ) that you, the Equifax 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 XXXX XXXX services on XX/XX/XXXX under the account number XXXX, an utility account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission.
Product: Checking or savings account

Marcus by Goldman Sachs had a special offer in early XXXX : " Get a { {$100.00} } Cash Bonus when you deposit { {$10000.00} } in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit { {$10000.00} } in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited { {$10000.00} } on XX/XX/XXXX to meet the terms of the promotion. The promotion dropped off my account due to an internal error on Marcuss part ( per their own admission ). I called and received a call back confirming they would be manually adding the XXXX bonus to my account on XX/XX/XXXX as I had met all the terms of the promotion on XX/XX/XXXX well its now XX/XX/XXXX and no bonus has posted
Product: Debt collection

On XX/XX/2021 I sent a letter to Portofolio Recovery Associates letting them know that the statue of limitation has past on account # XXXX and that I do not want to be contacted no more about this debt I will attach this letter that I sent to this dispute. My dispute is because Portfolio Recovery Associates has ignore my letter and break federal law and violate my rights under the FCDPA by sending me unrequested letters of validation every other week.
Product: Credit card or prepaid card

In mid-XX/XX/2020, Bank of America called us to inquire about some questionable charges. We reviewed recent charges with the agent on the phone, and discovered that 16 of them were made in neighborhoods and towns where we never visit. The agent flagged them and assured us they would be taken care of. A different agent explained that some pre-activated replacement cards had been mailed to us recently. ( We had no idea the company was sending replacement cards, since our current ones were not close to their expiration date. Since the cards were pre-authorized, whoever intercepted the cards must have been able to start using them with no questions asked. ) The fraudulent charges were temporarily removed from our account, pending an investigation. We then received a letter dated XX/XX/2020 stating that the disputed charges were consistent with previous charges, and therefore we were responsible for paying them, which total {$2700.00}. I've called the service number several times to explain that the charges are NOT consistent with our spending history, because we never shop in the neighborhoods/towns listed for the merchant. That is how we identified the fraudulent charges in the first place. The agents on the phone continue to tell me that they are investigating, but they refuse to remove the charges while the investigation is pending. My next bill is due XXXX XXXX, and in order to avoid additional late charges and/or interest, I will be expected to pay these fraudulent claims. 

It has now been over 2 months since they knew about the fraudulent charges. Bank of America has had ample time to investigate and see for themselves that the charges are not consistent with my history. They are refusing to take responsibility for their own lack of safeguards. If they had notified us that replacement cards were coming, or required the cardholder to call from their home phone in order to activate the cards, or if they had a mechanism to close out the existing cards when the new cards were used for the first time, then we could have avoided this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them about the fraudulently opened account and they havent responded this is and injustice that these companies can put anything on your report thats not valid and I want this remove immediately this is disrespectful and tasteless
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In accordance with the fair credit reporting act Freedom mortgage has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it's also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 BA creditor may not treat a payment on a mortgage payment under any open and consumer credit plan as late for any purpose
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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name:XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : # XXXX has violated my rights. Or list of inquiries 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: Debt collection

Called XXXX XXXX XXXX XXXX XXXX on XX/XX/23 and spoke with XXXX to inquire on account details to include : location of service, date of service and request an itemized bill. I gave her the exact amount showing on credit report {$1100.00}. They were not able to locate a bill with the specific amount that I allegedly owe. 
I would ask that the alleged debt be removed from my credit report immediately as it has prohibited me from getting a credit card. The reason for denial was a collections account on report and that is the only collections account on currently showing on my credit report.
Product: Mortgage

On Saturday XX/XX/2016 I was promised via email by the Branch Manager of Prime Lending XXXX XXXX of the XXXX that I will be refunded for money spent for the termite inspection, appraisal and home inspection. As of today I have not received a refund but was sent a letter stating every excuse possible and no explanation on why I was told I would be refunded and so far nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.
Product: Checking or savings account

I opened an account at Capital One Bank in XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX in XXXXXXXX XXXX during this time I had a lot of issues with this bank including mailing out debit cards to different addresses in XXXX  and not being able to access my accounts as well as fraud and possible identity theft with my deposits and withdrawals and unauthorized transactions. They closed my account without informing me no explanation at all Also they still have an account in my name XXXX XXXX as a XXXX XXXX XXXX now living in XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I believe this bank along with whomever is accessing this accounts under false pretenses and using said accounts to receive Federal Benefits in the state if XXXX  XXXX, XXXX, XXXX, XXXX, including XXXXI I would like this investigated. thank you my names or names these accounts are or possible under are XXXX XXXX or XXXX XXXX I currently receive XXXX benefits or even XXXX XXXX or XXXX XXXX
Product: Prepaid card

In XX/XX/XXXX, I attempted to use my prepaid card and was unsuccessful. I called Money Network to find out why. I was told that the balance of {$2900.00} had been transferred to a bank account on XX/XX/XXXX. 

I indicated that I wanted to dispute this transaction as it was fraudulent. Several days later I received two pieces of mail from Money Network on the same day. One was a Customer Dispute Form, and the other ( dated one day later ) was a denial letter.

I called customer service to ask why my dispute was denied. They told me that the money had been deposited into the account I intended for it to go into. I told them this was false. Money Network then advised that I could appeal their denial. They instructed me to provide all records of my bank accounts and financial transactions. I submitted the required documentation on XX/XX/XXXX. 

I contacted Money Network on XX/XX/XXXX to follow up. I was told my appeal was again denied because the money had been deposited into my intended account. I asked them to provide the account number it was deposited into, which they did, along with the name of the account holder. It is not my account. I asked for evidence they were using to support their claim that I authorized the transaction. They provided no further evidence beyond a bank account and name. They told me I needed to contact XXXX XXXX, the bank where the money had been deposited. I contacted XXXX XXXX on XX/XX/XXXX. They told me they couldn't help me as I didn't have a bank account with them. Their fraud department advised that I contact the police. I called the police on XX/XX/XXXX and filed a report. 

It appears Money Network has decided to side with the person who stole my money instead of me, the actual card holder. I advised them that I would be contacting CFPB today. 



Please contact me if you require any additional information.
Product: Mortgage

When I closed with KBHS they sold my loan and I was not notified, everything was on auto pay until a random company called about the status of my mortgage and I was not aware that it had been sold several times. When trying to contact KBHS they said they send all information to my old address but that is also not true because I had all mail forwarded to me. This has been a continuous battle which all started due to no communication with us which is why we have been trying to work with the current company but it has been a challenge. Out of all of the houses, we have never had to deal with anything like this. They no longer care now that the loan has been sold putting us in a difficult situation. I've made several complaints to them and it went nowhere. It has also been documented with all the companies that I the mortgage has been sold to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if you can help..I have always ( weekly ), used Credit Karma.com, to get my credit scores, and check balances on credit cards and loans..I also used them to do my taxes last year..The last time I checked was XXXXI went on their website XX/XX/19, to do my taxes, and they now say my sign on is invalid..They want to text me a verification code to verify my identity, but they are using my old phone number..Thet phone has been deactivated! I entered my new number, XXXX XXXX, but they told me it was invalid..I sent them several emails from XX/XX/19, but receive no response..They dont have a contact phone number..They are still sending me emails prompting me to use their tax service, but I can not, since it tells me to verify, thru my old phone number..I am at a loss at how to get thru to them..Please help..Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 XXXX XXXX report shows incorrect information. Lists a bank account with Routing # XXXX acct # XXXX I have no know of this account. The address listed on XX/XX/2021 is incorrect, along with my email address listed, name and phone number. 
My chex system report shows on the same day XX/XX/2021 a hard inquiry from American web loan With the same incorrect information listed on my XXXX XXXX. I believe my identity has been compromised. I have been denied over and over again for bank accounts, credit cards, car loans, Im paying a higher premium for car insurance and finally getting a car loan thru a buy here pay here dealership my interest rate is 19 %