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

Someone is sending bogus info to early warning. All the banks have the same account number. Waiting for copy of police report that will include the people doing this. I am a victim of fraud
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Credit card

On XX/XX/XXXX, Synchrony Bank, the bank for care credit, opened an account without my authorization. I immediately notified the bank that I had not authorized the opening of the account and that I wanted it closed and any inquiry on my credit to be immediately removed. I was assured by the representative that I spoke with that the matter would be resolved. More than a month later, not only is the inquiry still on my credit report ( XXXX ), the unauthorized tradeline began reporting on my credit reports as of XX/XX/XXXX. On multiple occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have called into Synchrony bank and have spoken to several representatives and account supervisors that all who have assured me that the matter would be resolved in a timely manner. Specifically, I was told by a representative on XX/XX/XXXX and XX/XX/XXXX, that my credit report was being updated to remove the hard inquiry within XXXX days and that I would not have to take any further action. It is now more than 30 days since I first notified the bank of the unauthorized account, and as of today, the tradeline is now reporting and the inquiry remains on my credit report. Although the account was to remain closed as of the date it was opened, as of XX/XX/XXXX, it had been opened and when I called into speak with a representative, I was treated as a active customer with an open account.
Product: Credit card or prepaid card

I notified American Express and I reported my credit card lost/stolen but I told them there was no fraud activity on that card number ending XXXX ( the new card number ) and the next day I was trying added this card to XXXX XXXX and American Express has blocked my card for fraud in which is false and told me I need to fax in some documents back to them in 15 days ... and I explain to them I dont have any ID or social security card to send them over and I have a police report and they refused to accept that neither nor the supervisor would and i have the police report from XXXX XXXX police department # XXXX and once again they refused to accept it ... I will be closing my account in about a month this is the third American Express has put my account in fraud review
Product: Debt collection

Above not accurate, attempted withdrawal from bank acccount. 
I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.
Product: Mortgage

Step 1 : On XX/XX/2019, at our request, Flagstar Bank, our mortgage holder, sent out a payment from our escrow account of {$1200.00} to our home insurance company. The check was never received by that company. We called and asked them to find out what had happened. The money was not refunded to our escrow account. 

Step 2 Flagstar then sent out another check in the amount of {$1200.00} on XX/XX/2019, but they put a stop payment on it. This second amount was refunded to our escrow account. 

Step 3 In XXXX, we called Flagstar back and asked them to ensure the money had been sent. Flagstar finally sent a payment again from our escrow account in the amount of {$1200.00} on XX/XX/XXXX. We almost lost our home insurance because of this delay. 

The insurance company did receive this last payment and that was settled. However, the first payment made on XX/XX/XXXX has never been refunded to our escrow account. We have called four times. Each time, we have been assured that the money will be refunded. It is now XXXX, our escrow account is overdrawn, and Flagstar Bank has increased our monthly payments due to this shortage. We are at a loss on what to do.
Product: Debt collection

The SSI has already taken the debt of my deceased Father, XXXX XXXX XXXX, XXXX in the amount of {$1200.00}. I signed my name on a document at the Social Security Office. The representative explained that my signing the document was only if my father could not communicate.. in the event of a XXXX. After my father died, the Social Security Administration started harassing me stating that they sent out checks after my fathers death. The checks were cashed. I was not on my fathers bank account, nor did he and I live together. The Social Security Administration owed my father back pay as well. I spoke with countless representatives about this issue. The Social Security Administration took the money from my tax refund and then placed that debt in collections on my credit report.
Product: Checking or savings account

I was really using paypal to buy services and also to receive some payment until my account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names XXXX XXXX XXXX Incorrect Address : XXXXXXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM XXXX/XXXX   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has put 2 inquiries on my report. That is not accurate and I would like 1 of them to be Removed. The inquiry on my XXXX XXXX report from XXXX XXXX dated XX/XX/year> is inaccurate and I want it removed
Product: Debt collection

ERC is attempting to collect {$200.00} for a sprint phone bill. We had sprint for 1 month only. This can be easily verified. We signed up under a no obligation trial promotion. This is verifiable by googling sprint free trial etc. we cancelled and were told by a manager we would not be responsible. The is extremely ridiculous considering the OWE ME MONEY. They took our XXXX trade ins and we never got them back after we cancelled. XXXX fails to tell you that when you do the trial promo. So we lost our phones to XXXX, had to pay XXXX for them, and now they are trying to collect a months bill from me for a promo I shouldnt be responsible for anyway AND THEIR SERVICE DID NOT WORK IN OUR HOME! I cant move because of this collection affecting my credit score. This is an erroneous collection. Ive attached photos that show old excerpts about the promo.
Product: Checking or savings account

I opened an account with Truist Bank in XX/XX/XXXX. I tried to cash my payroll check, which came from my place of employment in XX/XX/XXXX. I had to wait for the check to clear which was fine. Then after the check cleared I was told that the check set off some type of fraudulent activity and the funds can not be released. I have tried to show them proof of who I was by traveling 6 hours to the nearest branch and nothing. They told me to contact my jobs HR Department to see about getting the check recalled, which the check is in the amount {$1400.00}. My HR department contacted the issuer of the check, XXXX XXXX XXXX, and was told since the check is cashed and the funds were released they can not recall the check. My HR personnel even tried speaking to someone from Truist but nothing or no one answered or seems to assist. In XXXX of XXXX, I was told to get a letter from my HR showing that the check in fact came from my job but I would have to go or contact a local branch, which is over 4 hours away, for the bank personnel to email to the claims department BECAUSE the claims department do not have an email that customer can send documentation to. Currently, my account has been closed by Truist and my money of {$1400.00} is just sitting in a closed account and NO ONE cant seem to tell me when, how, or if Im going to get my money back. I really need some assistance! All I did was cashed my paycheck into my account and here I am 3 months later still can not access my funds.
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses PLEASE REMOVE THEM FROM MY CREDIT REPORT IMMEDIATELY Do NOT REPORT AS FORMER PLEASE REMOVE IMMEDIATELY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I applied for First Progress Secured MASTERCARD/ Synovis Bank on XX/XX/2023. Paid {$200.00} security deposit which which was debited from and posted to my checking account on XX/XX/2023. The card never arrived. There is no email address to contact First Progress/ Synovus Bank . The phone number asks for the credit card number but that is impossible since Ive never been issued a card. They just took my money. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My parent has the same name as me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. 
As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate XXXX XXXX XXXX XXXX XXXX Account XXXX Please removed from my public record
Product: Checking or savings account

I tried to cash XXXX checks with Citibank after opening my checking and savings accounts with them, checking account number XXXX. XXXX was from payroll where I work for {$200.00}. The second was from XXXX XXXX for a closed account for {$1500.00}. Citibank closed my account and told me the checks declined due to my account being closed and that I would be free to cash them elsewhere. I spent a whole day driving around trying to get these checks cashed, they kept declining. XXXX refused to give me any information besides telling me the check was already cashed. XXXX would not tell me where the check was cashed. I contacted Citibank again today after hearing back from XXXX about the check already having been cashed and Citibank is refusing to give me any information regarding the checks. I need Citibank to finish closing my account and send me the funds for the checks if they were cashed OR provide me with the information requested. This has ruined my mental health and I am no longer able to pay for XXXX XXXX  because Citibank closed my account and I do not currently have a debit card number. I also expect some kind of compensation from Citibank for all of these issues and the distress they have caused me or I will be pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested a courtesy update to my credit reporting as I was affected by Covid. An agent advised me they would do so, and every time I followed up they stated they were handling it. After six messages and getting the run around, no changes have been made. 

I told Chase that I was unemployed during the pandemic and once I got my job I immediately paid up. They in turn closed my account without any notice. 

All Im asking for is for my two late payment statuses to show as on time as they originally promised. The late payments were out of my control and only for two months.
Product: Prepaid card

This complaint is not a duplicate. This is a new complaint based on continued issues with newly purchased card. Gift card was purchased on XX/XX/year> and an attempt to make a purchase were made on XX/XX/year>. Upon use of the card ending in XXXX, transactions were blocked at the merchant and subsequent merchants. It has been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If a purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? This same issue is present with previous cards purchased. So instead of more replacement cards, I am respectfully requesting that a check with the purchase fee be sent to my address. Attached is copy of the receipt of the gift card purchase and the gift card itself. 

In response to a previous complaint reply from Incomm regarding a similar issue, the company stated that " enhanced security measures ... do not appear to function in XXXXXXXX XXXX XXXX desired capacity ''. I am respectfully requested the specifics on what is the " desired capacity ''. The gift card package of the product did not have specifics on how and when to spend the funds on the card. Without clear guidance on the package itself, how is a consumer able to know why declined transactions are for the sake of security? Is the intent of the gift card to spend the funds on the card that accepts XXXX? 

Why is it that when a consumer 's transaction is declined access to the funds on the card, that it is the consumer that is responsible to beg and plead to have the funds release for use? Per the letter, declining transactions on the card in addition to declining refund requests of the card itself effectively seals off the ability to use funds on the card. Is the consumer supposedly to simply throw away the card in the garbage if the transaction is declined and forfeit the funds since refunds will no longer be honored at the time of purchase?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding an unauthorized hard inquiry on my credit report. This inquiry is definitely invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I believe it's Equifax that has that on there you said another trying to work through the issue or whatever but the thing is it's like there's really no trying to work through the issue when that's the like law or like rule you know it's like law is supposed to be like taking to the word not to like interpretation so that needs to be removed then
Product: Payday loan

There 's an organization in West Virginia that 's loaning money to Municipalities for demolition and these loans are required to be used for redevelopment. The Agency is called the West Virginia Housing Development Fund and they 've loaned about XXXX XXXX dollars to the City of XXXX, WV and countless homes have been destroyed by way of illegal use of theses funds. Residents and property owners have had their homes wrongfully Condemned and placed for demoltion and have been denied the opportunity to repair or do work on their houses. Funds loaned to the Municipalities were required to comply with WV XXXX The Urban Renewal Authority Law for Slum Blight Clearance and owners were by law to have had their homes acquired and compensated. This did n't happen and the City of XXXX demolished houses that they had no intention of redeveloping and vacant lots were left and owners told they could n't build on the land because variances had changed so that they were left with a useless piece of land. Incidentally. houses were Condemned by uncertified Code Officials that XXXX hired and permitted and hired them to do this. There is a lot that XXXX 's XXXX mother lived across the street from that I owned and the neighbor was friends with the City Officials and complained to Code Enforcement until the house was Condemned and placed on the Demolition list, torn down, and vacant lot obtained by XXXX from my bank whom I was buying the property off of. The bank told me to deed the property back over to them or be foreclosed on and then the bank deeded the property over to the City for partial payment of the demolition cost and the neighbor who all along wanted the lot purchased it from XXXX.There is a property where a demoltion occured and the lot where the City demolished it later was the sight of new construction of a apartment house owed by the XXXX City XXXX 's brother and his XXXX called XXXX. This all sounds like racketeering and must be stopped and acted upon. Please help this stop-now XXXX is using XXXX XXXX XXXX XXXX to continue on with the illegal demolitions. The WVHDF is now lending money again illegally to the City of XXXX, WV Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

APPLE CARD - GOLDMAN SACHS BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/2023. 

I am requesting that this creditor update my credit file with all 3 credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.