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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( TransUnion ) 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. 


I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and another credit card account opened at XXXX XXXX XXXX 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 demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I have these students loans on my credit report and by law thats a violation of XXXX XXXX per XXXX U.S.C. 1232g ( b ) and the date is XX/XX/XXXX Its diffrent amounts charged to my credit
Product: Checking or savings account

I am writing to formally complain about multiple overdraft fees I incurred on Cash App. Despite having sufficient funds when transactions were authorized, I was charged due to delayed posting of charges and credits. This aligns with recent CFPB findings against Cash App. Additionally, I encountered fake live agents during customer support calls. I request an investigation into my account transactions and a resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX, around XXXX, XXXX husband and I purchased furniture at a local store in XXXX. The furniture stores has a sign that it finances their furniture. We made a purchase and never filled out an application, instead, the gentleman filled out something upon paying after we purchase the furniture. 

We were told that it got approved {$2000.00}, never told us from where the money was coming from. We assumed they were financing. After a few days, we receive a card from Synchrony bank and we have paid the card, even though right now, my husband 's income as a XXXX veteran and i have not worked due to a fall in a XXXX place, and on treatment, we have paid up to now. 
The problem is that I called the bank due to amount no going down, instead has gone up and never comes down. The bank said that it was due to old interest charged back onto the account, since we did not cancel amount of debt in a promotional time allowed. 
We were not told of any promotional time allowed, we were just told to sell us the furniture, that if we paid it in six months or less, we wouldnt pay any interest within that time, but obviously, we could not, and so we continue paying, but it is outrage, how we pay any amount above and beyond and we get charged late fees, interest upon new totals treated as purchases when they are not and interest on top of interest. This is total abuse. We called the bank on friday XXXX XX/XX/XXXX, and they have denied us any information such as contracts etc, instead, they went ahead and closed a credit card account which I never eceived, and entered my credit without authrization to make excuse reasons for closing, in reprisal for my affirmation that I was going to report them to your Agency. And so, saturday, XXXX, I received a letter from the same bank stating that the credit card from XXXX is now closed, but it will not allowed me into the system, because i never got this card. All I had was a statement about being able to shop and so, it never came to pass.
Product: Checking or savings account

It was an impossible but obvious error on my Citibank checking acct : A check ( # XXXX ) I wrote to pay a merchant was cashed twice on a same day ( XX/XX/22 ), for the amount I wrote, {$7300.00}, and another {$730.00}. I called Citi the next day and a rep named XXXX agreed to correct the error, saying the next XXXX  ( XX/XX/22 ) the credit of {$730.00} would be on my acct. But it hadnt happened until XXXX  ( XX/XX/22 ) when I called it again. A rep named XXXX ( who was nice ) with her supervisor ( who sounded quite inpatient ) said they'd credit it back to me next XXXX  ( XX/XX/22 ) ; but the {$730.00} debit is still shown on my acct today XX/XX/22 ). Nothing happened, no call and no email ( as they said they'd do ). I'm requesting Citibank to remedy the error by paying me {$300.00} for its ongoing negligence as well as crediting the {$730.00} to my account.
Product: Checking or savings account

I have been trying to open an account in different banks for more than 1 year and they won't let me say that I have something negative in the reports of the bank bureaus. 

I really do not know exactly where the topic comes from, however, the one who closed an account on one occasion was Bank of America due to a suspected fraud. 

There are two or three big banks that have special " Second Chance '' accounts and they also deny them to me. 

If this comes from Bank of America it is very unfair what is happening because I remember that someone deposited a false check in my account and I do not remember the amount at the moment, but less than 5K but they did it in another city I think I remember what happened in XXXX But I never used those funds because I told my bank executive myself that I was not expecting that deposit, I never knew who did it, they simply closed my account with no option to defend myself. 

But if this is the reason that they do not open accounts, it is very serious because it was not my fault, rather I should claim BOFA as it is that someone I do not know can make a deposit in my account without my authorization and be me the great injured.
Product: Credit reporting

I spoke to XXXX from ARS requested I fax copy of benefits from XXXX for XXXX to XXXX called XXXX ( spoke to XXXX ref # XXXX XXXX/XXXXXX/XX/XXXX XXXX indicated did n't owe it was covered under the urgent care copay. Called ARS gave marys contact info. Also did a XXXX way. ARS said they would Look into it. Never updated me and never called be back to let me know a status update. 
name company never resolved issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. Transunion 30 day late XXXX 30 day late In accordance with the fair credit reporting act XXXX XXXX  Account # XXXX has violated my rights Transunion 30 day late XXXX 30 day late XXXX. 30 day late In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights XXXX 30 days late Transunion. 30 days late XXXX. 30 days late also never late and neither report reflects accurate information 15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a-Definitions ; rules of construction- exclusions-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I have contacted Nordstrom, at least 3 times, in efforts of resolving issues with payments that are made on my account. In XXXX, I called and was told that payments were being held on my account because my account was new, which is totally not the case. This account with them has been open since XXXX and I have had the same bank account since XXXX, none the less, my payments being on hold because they feel like it is unacceptable. I contacted Nordstrom again today and spoke to XXXX in California. I have made 3 payments to offsets charges on my card, one for XXXX, one for XXXX and one for XXXX, all made in store and 2 with cash. All payments are on hold. This is ridiculous. In addition there is a credit of XXXX on my account that is just sitting and instead of Nordstrom adjusting the bill PRIOR to reporting it to the credit bureaus, they report a high balance which effects my utilization which is simply inaccurate reporting according to the FCRA. This is by far THE WORSE department store card that I have.
Product: Money transfer, virtual currency, or money service

Sent money but didnt get a chance to check to see if it was the right person. Money was takes right out of my account
Product: Checking or savings account

Closed checking account on XX/XX/2023 and received cashier check in branch issued by wells Fargo banker, then deposited cashier check with XXXX XXXX  in ATM, few hours later received an email from XXXX  XXXX states security alert, then called bank, got transferred to security team been told they can not verify my cashier check thru wells fargo, meanwhile my XXXX XXXX account get freeze due to abnormal activity, means I can not withraw ANY fund from my XXXX XXXX checking. then called wells fargo customer service few times talked to supervisor to verify the situation been told nothing they can to. 

Date XX/XX/XXXX Amount {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
Product: Credit reporting or other personal consumer reports

These items are listed enemy credit report in which is affectingly score. This affects my daily life. These items are a result of fraud from the data information breach leak. These shall be removed from my credit. 

LATE PAYMENTS XXXX XXXXXXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX - {$0.00} ( past due XXXX XXXX XXXX XXXX - {$18.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2800.00} CHARGE OFFS XXXX XXXX XXXX  {$220.00} INQUIRES Equifax Mortgage Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I closed my account. They informed me that I had a late fee of XXXX to pay. Told them I just sent you a payment for XXXX, I pay you XXXX every other month. My payment is just XXXX a month that I charge every month. So that day I went to the post office and sent out the check for XXXX certificated mail # XXXX. They received the check on XXXX XXXX signed for by XXXX XXXX. I never heard from them or got a statement at all in XXXX. On XXXX XXXX, they still haven't cashed the check for XXXX ( certificated mail and signed for as stated above ) so I stopped payment on that check and sent out a check for XXXX. I sent out a letter with proof asking the company why they still haven't cashed my check for XXXX, that enclosed is a check for XXXX sent out certificated mail # XXXX and tracking # XXXX account ending in XXXX enclosed all this information on the check too. I went to the bank today and they just cashed my check from XXXX XXXX, for XXXX, they signed for it on XXXX XXXX, XXXX XXXX I got a bill for XXXX. They are still charging me a late fee on top of late fees. Plus every day they call me none stop. I have no idea why, when all they had to do in XXXX is just cash the check for XXXX that they signed for and that would have been the end of it. But no they just had to harass me every day by phone never saying hello or never leaving a message either. They started this problem not me. This is a bank every one should be aware if how Comenity Bank is treating people. I would never do business with them again and I think every one should close there accounts with Comenity Bank and let them go under. They have XXXX different cards, close all XXXX different cards. They don't deserve anyone 's money, if they want to treat people this way for paying there bills. Shut them down.We all have the power to shut these companies down when we aren't treated right.
Product: Money transfers

Made a purchase of a puppy off a website XXXX XXXX The puppy never existed ( only pictures fraudulently used on website ). The seller was working with a non existent shipper whose website has now been suspended. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost a lot of money as they were very believable. Please do not respond to websites for purchase of items especially pets that you actually can, t see.
Product: Debt collection

sent me a letter out of nowhere, I have never seen anything related to this before. I moved out of XXXX  already for a year to XXXX I have always had insurance, for the last 6 years the same policy and company and never saw any claims from quest.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is fraudulently still showing I owe to XXXX  XXXX XXXX credit card. it was all paid. Balance is zero.
Product: Mortgage

My husband got a VA loan with GMFS Lending. My husband is self employed and had a big decline in his income. We contacted GMFS immediately and they sent us a packet to be completed and sent back with documents that they requested. We did exactly what we were told. Within 30 days we received a letter stating that we were missing documents that we had proof was faxed. So we resend the missing documents and called to see if they have received them. We were told that it takes 2 days for the information to be uploaded into the system. When we would call back in 2 days were told that all documents were received and was headed to the underwriter putting foreclosure on hold. Later we received a letter denial stating that my husband did not have enough money to afford the home. Evidently we did not fill out the packet correctly so we had to start the process all over again. We have been play this game since XX/XX/XXXX and finally we were served foreclosure papers and a sale date of XX/XX/XXXX We were shocked because we were under the impression that our paper work was under review. On XX/XX/XXXX I called GMFS and spoke to XXXX ID # XXXX to inquire about what was going on. At that time XXXX informed us that he did not see a sale date or any papers for foreclosure. but he will send an email to loss mitigation inquiring about our modification. When we did not hear anything from GMFS we called again. Again we were told that they did not see a sale date. I explained to them that I was holding the papers in my hands, we were served. We were told to disregard that because their computer does not show that any papers were served or a sale date. We have been calling GMFS every 2 days or so to check the status and was told that our paperwork was received but they did not know why it has not been sent to the underwriter. We were told to call back in 2 days. We called back and was told the same thing and that they were going to escalate to management. We called back in 2 more days and was told the same thing. Today is XX/XX/XXXX my husband called GMFS and was told that the paper work was not sent to the underwriter and did not know why but they were going to escalate it to another manager to call back in 2 days. We have been playing this game too long. We are not looking to live here for free we want this resolved so we can sleep at night.
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. I have contact Equifax four times to remove this address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Remove off my report and add my real address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit card

I was on a vacation from my home in XXXX to XXXXXXXX XXXXe and back. I rented a car, bought fuel, food, attractions, and motel rooms from XXXX XXXX- XX/XX/year> and charged everything on my Capital One credit card. 
On the evening of XXXX I was ready to find a room for the night and came upon a road sign in rural XXXX  that said " XXXX XXXX '' miles ahead. So I pulled over and brought up the XXXX website on my phone. I typed in the required information on each screen ( like I had done the night before when in XXXX, XXXX ) - what date ( XXXX ), city ( XXXXXXXX XXXX  ), number of guests ( 1 ), credit card information, etc. agreed to terms and conditions, and on the next screen XXXX sent confirmation that I was booked into a motel in XXXXXXXX XXXX XXXX Since that obviously wasn't correct, I tried to see if there was some way to contact XXXX to correct their mistake but couldn't find any. 
So I drove on to the next town, and tried again, typing in XXXX, XXXX as the city now. After I got through all the steps this time, I got a confirmation of a room in XXXXXXXX XXXX. Frustrated with XXXX, I drove on and booked a motel through XXXX instead, and stayed the night in an XXXX  there nearer to XXXX, XXXX 
After I got home and received my Capital One statement I saw that I had been billed for all XXXX rooms for the same night. So on XXXX XXXX, I called the phone number listed on my statement for XXXX to attempt to straighten out their error. I was told that my complaint was over 90 days old ( it was over 30 days, but certainly not over 90 days ). So I called Capital One and filed a dispute. 
Capital One initially removed the charges but reinstated them when XXXX provided documents that they had provided me with rooms in XXXXXXXX XXXX  and XXXX, XXXX for the night in question. I wrote to Capital One and called them to explain the obvious error but they refuse to remove the incorrect charges because I am " unable to provide documents '' to prove my side of the story.
Product: Credit reporting or other personal consumer reports

myEquifax Not only refused to remove XXXX from My Credit Report after Months of Disputing this Company 's Allegations but my Equifax claims >>> We have researched the credit account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : DEPT OF ED, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX... And they put The Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX I DON'T LIVE THERE I NEVER AGREED TO PAY XXXX XXXX XXXX Hasn't Taken XXXX off of my credit report either After Months of Disputing This but XXXX Has and so These other XXXX credit Reporting Agencies Need To Remove Immediately and Not Allow XXXX Back on any of My Credit Reports... Just because they have my name e-mail passed addresses social security numbers ect doesn't mean they had any agreement with me and they refused to send me the agreement they Alleged that I signed with them they posted my address on the CFPB letter yet they sent the letter to addresses they Know I Don't live at this is what makes it another Breach of My Information I don't know who lives at that address or how they will use the information in How XXXX Plans to Use the No Response to their benefit even when I have a CFPB but I do Know that I didn't verify my information with any myEQuifax XXXX or XXXX or CFPB accounts to be used in this way Of Course I'm who I Am but I Never Did What XXXX Says I did and They WON'T Sign Their Own Paper Work So I Don't Even Trust This Company and When They Send My Information To Multiple Addresses knowing they won't get any response there They Also Cause The People Who Live or Own Those Addresses Issues because then those people may end up having to go through eviction process to prevent me or anyone with my name from staying there even when we already don't stay there
Product: Mortgage

I am a XXXX XXXX and Castle & Cooke Mortgage out of the Mississippi location told my borrower she could do a bond loan through XXXX XXXX XXXX XXXX via one of their programs or if that didn't work she could do a loan through the XXXX XXXX. The borrower well exceeds the income guidelines for both programs as well as exceeds the income guidelines for USDA. I spoke with them and told them she did not qualify. I was told they wouldn't be counting her stipend income or her second job income. I contacted all 3 entities and confirmed what I knew to be correct ... this is fraud. The fact they knew her income was too great for the programs they were telling her they would put her under even after she had provided income documentation seems to be a clear cut bait and switch tactic to me. I explained this to the borrower but at this point they pulled the FHA case number the day we tried to pull it and will not transfer it. They are still telling her they can do one of these loans or find something with no down payment. I inquired with them about the programs they offer and no such program exist based on this customer profile. My XXXX # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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