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

On XX/XX/year> I report fraud on my debit card someone used my debit card number in XXXX Texas I explain to navy federal that I do. Not live in XXXX XXXX is XXXX hours away from my home and Im not sure how someone can get my card number. Navy federal representative told me anyone can get your card number they are aware of scams well navy federal decided to revoke and terminate my debit card and said I abuse my card by reporting fraud when honestly it was really fraud
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX Account : XXXX, XXXX - XXXX XXXX  Account : XXXX, XXXX XXXX XXXX Account : XXXX, violated my rights. 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: Credit reporting, credit repair services, or other personal consumer reports

This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$600.00}
Product: Debt collection

My debt with XXXX XXXX was {$150.00}, The night of my visit i paid {$4.00}, then after {$25.00}, subsequently I set up bill pay through my bank XXXX. making 4 payments of {$34.00} each, which total sum is $ {$160.00}, over paying XXXX XXXX by {$11.00}. XXXX XXXX had my XX/XX/XXXX payment missing from there record, they send the record they have to a collection agency, Namely XXXX XXXX. I contacted XXXX XXXX several time, sending them the correct info. but they  never get it fixed. I call XXXX XXXX, they told me that it will not fixed using my banks statement only has verification, i need to send copies of the check from bill pay, so i when and get hard copy of the check and send it to XXXX XXXX, but neither XXXX XXXX nor XXXX XXXX never contacted me. all that was done, was that the amount they had on file saying i owed was reduce to {$39.00}. I was denied credit because of this
Product: Credit reporting or other personal consumer reports

I filed four complaints previously requesting specific information from XXXX XXXX in regards to the account that thats being disputed. The validity of balance post closing is that question. I specifically asked for. ( Proof of transaction/purchases from vendor/company with location and dates to show proof of balance before account was closed. I continue to get responses in regards to other information affiliated with the account after closing. XXXX XXXX is willfully denying me evidence to show that the validity of the account is not valid what so ever. THEY CANT AND WONT PROVE PROOF OF CHARGES MADE ON THE ACCOUNT BEFORE IT WAS CLOSED.
Product: Credit card or prepaid card

I have a discover it credit card, On XX/XX/2019 they closed my account because of not enough personal information. But I faxed them three times my ssn and my driver license. They called me the last minute  saying that they cant see my driver license because of too blurry. I am going to fix it in few days, but they closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME THAT I HAVE ASKED EXPERIAN TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Student loan

I applied for a in school deferment a couple of months ago. I called to check the status of the difirment because it was time for a payment and I have automatic draft. The rep. Stated the difirment was on the account and all the information was in that was needed. She told me that she would cancel any future automatic drafts this was in XXXX. On XXXX XXXX another payment was taken out. That Friday I called and spoke with another rep who said she wold cancel the automatic draft and have someone call me back to refund my money and that someone from that department would call me Monday or Tuesday. Today by XXXX I did not receive any calls so I called once again because I was not able to make payments on another bill because this money had been taken out. The rep today explained the automatic payment was not canceled again and tha the difirment has not been accepted. I was very upset and needed to calm down and did not want to take it out on the rep on the phone. She gave me a number to call a supervisor.
Product: Debt collection

In XXXX of XXXX, someone opened a XXXX XXXX credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then Portfolio Recovery Associates bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. Portfolio Recovery Associates state  that someone opened the account in XXXX of XXXX, I confirmed with XXXX XXXX themselves, and XXXX  XXXX states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.
Product: Bank account or service

Citi Bank opened and issued me a MasterCard credit card in my name without my consent or request.As you know this can lower my credit score, and share information I want kept private. My mail box has been invaded by junk mail from them for years trying to give me their card and now they just by passed my consent and issued it to me.
Product: Credit reporting or other personal consumer reports

I have a few collections accounts on my reports which do not belong to me. I have disputed these accounts on numerous occasions with all the credit bureaus and they always respond with the information is correct, which its not. I have never had a credit card with XXXX XXXX XXXX and I personally called XXXX about the collections account they are reporting and XXXX  confirmed to me that I do not owe them any money and they have no record of such debt. I have sent letters requesting the original contracts with my signatures and it was never sent to me. These collections have been on my report for several years and They do not go away. This has affected my credit scores tremendously. My payment history is at 100 % and has been they way for many many years.
Product: Credit reporting or other personal consumer reports

I submitted a few requests to Transunion related to this issue. I need to have my name posted correctly when my information is checked. They never had it fixed.
Product: Checking or savings account

On XXXX, 2023 - from my Bank of America account someone made a transaction of {$5300.00}. As soon as I knew the transaction was done - I called the bank and informed them about the issue- but till now they are not able to resolve my issue. It's been more than XXXX already and I haven't received my money. It's a big money and I have been going through a lot of financial issues. The bank should have considered my situation and help me resolve this in my favor once I said that I didn't made the payment. Bank is just saying that the transaction is done from my device which is absolutely wrong. Bank is also providing the information that the device has been logged from Texas and many other places- where I have never been to in my entire life- how could it be possible to login to my account from that place. It should be banks responsibility to find to whose account the money is transferred not mine. Bank has more power and access than me. I have already provided all the necessary proof and my device IP addresses which shows that my device was not used in the fraudulent activity. Please take strict action on this as soon as possible and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Trans Union regarding my extended fraud alert and requested that my phone number be added to the alert. I have applied for credit applications and those applications have either been placed on hold or denied because the credit bureaus have not honored my credit and added my cell phone number to the alert. Trans Union and XXXX have not added the extended fraud alert to my credit report at all and it was added to XXXX credit back in XX/XX/2019. I am in the process of having two credit card applications approved and they are being held up based on the fact that my cell phone doesnt appear on the fraud alert and XXXX is delaying the process or just not getting not at all. I contacted Trans Union and they told me that they never received any information that I had an extended alert and would not add the extended alert to my credit report. XXXX and XXXX XXXX have both told me that they would have to re-run my credit again, resulting in an additional hard credit pull if and when XXXX and Trans Union add my cell phone number to the fraud alert which should have been done back in XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from Sheffield Financial . Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, Sheffield Financial has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :. 
1. It's been more than 7 years since the last activity on this account 2. Sheffield has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
3. Sheffield filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how Sheffield came up with this amount since for the past 7 years the balance they have been reporting was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. 

The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Transunion acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, has violated my rights. 

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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and XXXX am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this debt with XXXX XXXX. I do not have a contract with this company. They did not provide a contract as requested.
Product: Credit card or prepaid card

Citi denied a card after saying i i was pre-aprroved.If they saw my credit report they saw the bankruptcy. Algorithm needs fixed or an exam needs to review this process. 3 of ther 4 denial reasons say bankruptcy from many years ago. I have 6 cards, i XXXX XXXX XXXX XXXX  card. credit i snot an issue, they have me blackballed. Consumer harm to my credit report. Called and reported. Citi needs to review their application process, make it fair, and this seems to be an in fair practice or UDAP...... definitely need an examination team from the west region to review hwo they process pre-approvals and denials. Seens to be a disconnect. screwing consumers over is a not a good business practice. 

I have a less than 30 % debt to income, i pay no taxes so my gross is my net, and my last 5 years of credit is perfect. Again they seem to be providing much consumer harm. As one would expect from a citi card with what seems little to no compliance oversight, or board reviews., Just from me talking to them once. See attached denial letter. Ridiculous 3 of the 4 reference bankruptcy, 1 would be appropriate, 3 is abusive. 

I would have consumer stay away until remedied.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts that need to be removed. They are affecting my ability to obtain credit. 

Incorrect Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX payroll check {$220.00} from my current job was sent to am old cashapp account that I can't get access to because I no longer get in my old email and recovery phone as well. My purse and phone was stolen a few months ago. On XX/XX/year> my friend XXXX XXXX accidentally sent me {$180.00} to my old Cashapp account which is the same account I have issues with. I called, email and chatted with Cashapp agents. I did everything they asked. I gave them the correct account information and even verified my identification on the app. But for some security reasons, which the refuse to tell me in detail the reason why. I filed a complaint with the XXXX FTC AND FDIC. Trying to resolve the issue and I filed a subpoena with Block .inc legal department XXXX 
I have not heard back from Cashapp yet. 
Please help me understand what can I do next.
Product: Credit reporting or other personal consumer reports

I traveled down to XXXX since XXXX to take care of my sick father who was on hospice. i kept all my belongings with a friend and when i came back XX/XX/XXXX, i discovered that there have been a couple of fraudulent reporting on my consumer credit report. i made attempts to speak with the companies involved and to speak with the consumer credit reporting agencies that the reports should be deleted and i was advised this morning by a representative of XXXX to get in touch with FTC.GOV that transferred me here. I have also sent to XXXX, XXXX and Transunion copies of my proof of address which is my government issued driver 's license and Social Security Card with Bank statement to prove that the address the companies were reporting is fraudulent and i have no dealing with the address. The companies reporting fraudulent report on my credit report are as follows with the account numbers being reported and all of them use this fraudulent address. A fraud alert has now been placed on my consumer credit report as advised by the consumer credit reporting agencies. 
Below are the list of the fraudulent accounts and the address being used by the companies reporting these fraudulent accounts Incorrect Account being reported ; XXXX XXXX XXXX  XXXX, GA XXXX My Address ; XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Fraudulent Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Dispute of Charge-Off, Down Payment, Credit Inquiries, and Removal of Hyundai Finance from Credit Reports Account number XXXX To Whom It May Concern, I am writing to dispute several issues related to my account with Hyundai Finance Company, as well as to request the removal of Hyundai Finance from XXXX and XXXX under Section 609 of the Fair Credit Reporting Act ( FCRA ). Furthermore, I request a cease and desist, and the release of vehicle titles and forfeiture of the vehicle contract. 

1. **Charge-Off and Down Payment Issue** : I am disputing the charge-off status on my account, as I believe the down payment made was done so under questionable circumstances and may have been illegal under U.S. Code 1666a. I request a thorough review of the down payment transaction and the charge-off status on my account.

2. **Credit Inquiries** : My credit was run in remedy, as stated in U.S. Code 1662 and U.S. Code 1635. I was not adequately informed of this action, nor did I authorize the credit inquiries made on my behalf. I request clarification and resolution regarding these credit inquiries. 

3. **Removal of Hyundai Finance from XXXX and XXXX : Hyundai Finance has been removed from my XXXX credit file, and I request the immediate removal of Hyundai Finance XXXX XXXX XXXX and XXXX credit reports under Section 609 of the FCRA. The inaccurate reporting negatively impacts my creditworthiness and financial standing.

4. **Cease and Desist Request** : I request that Hyundai Finance cease and desist all reporting activities related to my accounts. Please refrain from further reporting to any credit reporting agencies regarding my accounts, as it is my right to request such action under the FCRA. 

5. **Request for Vehicle Titles and Forfeiture of Vehicle Contract** : Furthermore, I request the immediate release of vehicle titles associated with my accounts held by Hyundai Finance . I hereby forfeit the vehicle contract associated with the aforementioned accounts and request that Hyundai Finance take the necessary steps to facilitate the return and transfer of ownership of the vehicle ( s ).

I expect a prompt response to this letter within the statutory timeframes outlined by the FCRA. If you require any further information or documentation, please do not hesitate to contact me at Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, I was charged {$1400.00} at Bloomingdale 's department store in XXXX for an online purchase. 

Citibank called me, asked me if I made the purchase, I said no, they reversed the charge and credited my account the amount. 

XX/XX/XXXX, I received notification that the charge was being re-issued after Citi claims they were provided information showing the charge was shipped to my house in XXXX, and that the investigation was closed. I called Citi, Bloomingdale 's, back and forth, both company 's kept saying the other would handle the dispute, neither did. Citibank did tell me that in order to recover my funds, I'd have to prove the item was never shipped to my address. 

Bloomingdale 's finally put me in touch with their own Fraud Research Group who told me that they had information stating that someone contacted Bloomingdales after the purchase was confirmed online from an unknown number and changed the shipping address to an address in XXXX, XXXX. I attempted to give this information to Citi at their original request, but they maintained the investigation was closed. This was still in XX/XX/XXXX. XXXX XXXX has given me a XXXX tracking number, which I've since forwarded to XXXX and asked for their help regarding this matter. 

I've also taken matters to the police in XXXX.