23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX ) XXXX XXXX XXXX XXXXXXXX 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

On XX/XX/2022, there was a fraud on my checking account whereby a total of {$15000.00} were withdrawn with my account without my authorization ( one for {$10000.00} and another one for {$5000.00} both on the same day and via XXXX transfer to an account unknown to me under an unknown person called XXXX XXXX ). I did not make this transfer and did not authorize it. In fact, upon making this alleged transaction, Bank of America sent a text message to the cell phone registered under my account and asked me to confirm whether I recognized this transaction and I said NO and still Bank of America withdrew the funds which is a clear evidence that their security system failed since I did not authorize Bank of America to withdraw the funds ( see Appendix file attached to this complaint ). 

Upon finding about this, I called Bank of America on XX/XX/2022, to file a complaint and Bank of America blocked my account and the complaint # is XXXX. 

I asked Bank of America to credit back the {$15000.00} to my account. The bank conducted the investigation and on XX/XX/2022, responded via e-mail with this decision " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity '' After receiving this, I talked to a Bank of America Fraud Department representative on XX/XX/2022, and they provided me with the IP address ( XXXX ) that was used to make the wire transfer and I conducted my own investigation and found that this IP address is in XXXX, XXXX. I have never in my life been to this place nor authorized anyone from this IP address to access my account. I have never used this IP address before, but the bank insists that this IP address was used before to access my account which is not true. 

To summarize, I would like Bank of America to refund the stolen amount of {$15000.00} to my account as this was clearly a security breach to their system and I had nothing to do with it.
Product: Credit reporting or other personal consumer reports

my account Equifax was never late i had exceptional payment with history with XXXX XXXXXXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I owe them a balance on my credit accounts with them. I called them in XXXX, and they said they no longer own the debt, but they are still reporting that I owe them a balance for two accounts, when it should be reporting a XXXX balance if they sold the debt. I waited to receive a letter from them or the collection company to validate the debt, and didn't receive anything. I disputed the accounts on XX/XX/2020 through Experian. On XX/XX/2020, Experian completed their investigation, and the accounts were not updated to reflect the correct information, nor were they removed. I called XXXX XXXX on XX/XX/2020, to confirm, and they said they do not own the debt, which means they should not be reporting that I owe them a balance.
Product: Credit card or prepaid card

I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Product: Checking or savings account

On XX/XX/XXXX all funds were removed from the account and XXXX ( XXXX XXXX XXXX ) were instructed by recorded phone call that they were to close the account effective XX/XX/XXXX. 

On XX/XX/XXXX unsolicited email was received from XXXX stating that additional information was required to review my application for a XXXX Checking Account. That same day I responded to this correspondence stating : " Close this account as previously requested. '' On XX/XX/XXXX I received a phone call from XXXX. They stated that during the 10 days my account had a positive balance that it had earned {$1.00} in interest. This interest was added on XX/XX/XXXX, fifteen days after the account was to be closed. I was told that I would need to remove the funds from the account ( again ) before it can be closed. That same day I once again removed all funds in the account. 

On XX/XX/XXXX I received another unsolicited email from XXXX. This email stated : " We need additional information to review your XXXX XXXX request. ". At no time have I ever made any request to XXXX for any type of funding product or service. On the same day I advised XXXX that we did no longer have a transactional relationship and that they were in violation of the CAN-SPAM Act of XXXX for sending unsolicited emails without the ability to unsubscribe. 

On XX/XX/XXXX XXXX responded to my email stating that they would unsubscribe me from marketing emails, but that as I still had an account with them they were unable to stop transactional emails. I advised XXXX that twice now I have closed this account. They responded by stating that there was now {$2.00} in the account, which appears that they reversed my transfer request of {$1.00} made on XX/XX/XXXX on XX/XX/XXXX. It appears they have now XXXX my ability to remove funds from the account using the bank account that was used to fund the account. Not only did they reverse the transaction, they also added an additional {$1.00} to the account, despite the account have no funds in it for over a month. 

I have reason to believe that XXXX is refusing to close this account in an attempt to artificially increase their customer numbers with the goal of defrauding investors. As such, I have filed this complaint with the CFPB and will be filing a complaint with the SEC as well.
Product: Debt collection

Andreu, Palma, Lavin, and Solis notified me by postal mail they were trying to collect a debt for XXXX XXXX  account ending XXXX owned by XXXX XXXX. I emailed on XX/XX/2023 disputing debt, and specifically asked for verification through USPS. Never received a response. I am now getting letters from lawyers with case number # XXXX. I stated I was disputing the debt until I received supporting documentation from the original creditor, which I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement.
Product: Debt collection

This company has made no attempt at contacting me other than rotating this supposed charge that should have been submitted to the Veterans Administration for payment due to being covered by VA Seltect at the time of the treatment. Instead of the hospital following up with the VA for payment they submitted it to collections. The current holder has made no effort to collect. They however closed the account on the XX/XX/XXXX and then reopened it via XXXX and XXXX, with the express purpose of destroying my credit. My credit just moved from a XXXX to a XXXX due to them " reselling '' or reopening the account is not a fair practice.
Product: Credit reporting or other personal consumer reports

Please remove the inquiries since I did not submit applications for any of them.
Product: Credit card

I was charged {$19.00} by XXXX for a trip. I couldn't find this trip anyway in my uber history on the app. I informed Wells Fargo about it. They called me and asked me for proof. I emailed screenshots of my app for days before and after XX/XX/year>, which was when the charge was posted. When I heard nothing, I went ahead and uploaded the documents onto the website under the dispute. Two days ago, Wells Fargo informed me that they had closed my dispute, no reason given. 

I complained previously that Wells Fargo no longer investigates credit card disputes. They are downsizing and cutting staff and this has affected the dispute handling process. Now, they simply close disputes without investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}
Product: Mortgage

Loan agent said my current rate is 5.5 % and I would refi to 3.75 % dropping my payment amount {$150.00}. This was said on a recorded line from the mortgage company Carrington Mortgage. When the closer came out to my house with the paperwork, I noticed the rate was not what the loan agent told me we called the agent and he said he did not remember and I told the closer I wrote it down but I searched and could not find the paper I wrote it on. Days later I found the note. I called Carrington on XX/XX/21 and reported my issue. I want the recorded phone conversations reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDSTER XXXX XXXX  AND EQUIFAX HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.
Product: Credit reporting or other personal consumer reports

It was reported to my XXXX XXXX that I was 30 days late 2 times. 
XXXX and XXXX. Both these months I made my payment. {$1400.00} paid in XXXX. I confirmed that I was not late on that payment. I made that payment from my XXXX XXXX Checking account. I also made another payment of {$9.00}. For my XXXX statement i made multiple payments totalling over {$57000.00}. These were also internal payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PAYPAL ACCOUNT ID : XXXX Dispute regarding transaction : {$60.00} PAYPAL XXXX XXXX CH I had purchased a shoe rack from XXXX Details attached. 

As I bought it, I was asked to send money over via Paypal as a part of the checkout flow. Screenshot of order is attached. Since then I have discovered it's a scam website and the account is an offshore XXXX account. 

Instead of shipping the item to me, the seller shipped a XXXX item to a random address in XXXX , WA and claimed that they shipped the product. They shared a tracking number on XXXX XXXX for a date in the past : XXXX. This tracking number does deliver a random package in XXXX, WA. 

This tracking number was not sent to me. I have confirmed with XXXX that no such package has been delivered or shipped to my address. If paypal were to check they would get to know the same. 

This is a well known scam apparently : Buyer buys something via Paypal Scammer sends a random package to an address in city of buyer, usually a public address Buyer never receives anything and files chargeback via Paypal Paypal only looks at a tracking number and reject the claim INSTANTLY with no recourse. 

The XXXX weighs XXXX pounds, the XXXX package sent the next day was XXXX lbs and next day saver would have cost over a hundred dollars. 

The website itself is fraud and if Paypal had even done a second level investigation before denying my claim they would realize that this merchant 's account and all associated accounts need to be closed immediately. The website is probably redirecting money to different paypal addresses for this scam. 

Now Paypal itself is systematically letting this fraud go on since it doesnt train its agents properly. Despite sharing all this info in the claim, the agent roboticly rejected the claim without using their brain on what had happened : Case Resolution Decided in seller 's favour Adjudication reason Valid tracking info provided by the seller. 

I tried to escalate to a supervisor, however my email was met with an auto reply that they wont respond to emails and help center got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on Transunion, XXXX, and XXXX. All have different Amounts, a past due amount on collection items and I have a payday loan that was deleted and now is back on my credit report. I filled a dispute on XX/XX/XXXX for. XXXX which is {$1100.00} XXXX for {$3300.00}. XXXX XXXX XXXX  doesnt have the right address. XXXX XXXX has different amounts on all 3 credit bureaus. Its a closed account with a past due balance of {$1600.00}.
Product: Money transfer, virtual currency, or money service

I received an email from PayPal on XX/XX/2021 that my account had been limited permanently and the money in it will be available for withdrawal after 180 days. It is now over 200 days and I have not received it, and the company is not helping avail it for withdrawal even with my multiple attempts and requests for them to help me out.
Product: Checking or savings account

XXXX XXXX XXXX there were over {$450.00} worth of transactions in small ammounts to 3 emails. i reported it as fraudulant charges and identity theft. they understood the problem and deemed it authorized transactions because it came from my acout even though i had no acess to my acount and my phone was hacked and i was receiving death threats.paypal closed the case a second time even faster after i send the dispute letter from the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXXXXXX
Product: Debt collection

On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and have noticed unauthorized accounts on my credit report. I've asked all three agencies ( XXXX, Equifax, and XXXX ) to remove all these account off my credit report and demanded to opted out of having my information shared without my consent! I gave these agencies no authorization to share nor sell my information. I demand that this be resolved immediately. Thank you
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. 1681c-2 ) that you, the XXXX 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 on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit card or prepaid card

Chronological history of my encounters with XXXX XXXX XXXX  which operates the following business located at : Prosper Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Prosper Marketplace, XXXX NMLS # XXXX On XXXX, I received an alert from XXXX XXXX a credit monitoring agency, that a new inquiry has appeared on my credit report that contained my identity information including my residential address. The inquiry was generated by XXXX XXXX Prosper with this phone number XXXX On XXXX, I contacted Prosper by phone and spoke with XXXX. I informed him that I have never applied for any credit or requested any funding from Prosper. He told me that yes, indeed, an account was opened using my name, my birthdate, and my address. During the conversation I was asked to provide my contact phone number and e-mail address. I was also told that they will forward this info to their Fraud Team and I will hear from them within 24-48 hours. They provided me with this confirmation number XXXX. 

Subsequent to that I spoke with a number of different individuals, XXXX, XXXX, and others, at Prosper, over several days but did not receive any appropriate response or resolution as to the status of my complaint or inquiry. At one point, I was told that the account application is NOT moving further on their end as it was possibly an incomplete application. 

To my total surprise, on XXXX, within 10 days of my first contacting them, I received a credit card from Prosper LLC. It is a XXXX from Prosper, an unsecured credit card issued by XXXX XXXX XXXX, member, FDIC. It also included instructions as to how to activate it. 

This is ENTIRELY fraudulent. The company has completely failed to act in good faith and to resolve this in a timely manner after being notified. I also strongly suspect that the company, Prosper LLC and XXXX XXXX XXXX, may be involved in opening such Fraudulent Accounts without any legitimate applications for credit from their potential clients.
Product: Credit card or prepaid card

Regarding : Citibank card : Cardmember since XXXX Account ending in XXXX I had a fraudulent charge on my card in California. I live in GA. I called them. They said they would remove it, cancel the card and send me a new one. They did send me a new card ending in XXXX. I have not even activated it yet! And there are ALREADY NINE fraudulent charges with XXXX and XXXX XXXX in California. I have called them and used their website. It will not let me dispute the charges online, so I used the chat function last night and again today. They keep giving me the runaround and are allowing these charges to continue
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX