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

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX  NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Product: Debt collection

I have never heard of this company Debtsy , Inc . but I am suppose to be owner of a card that I do not have last year 5 cards were open in my name using my phyical address instead of my mailing address the way I found out about these cards is I started getting bills for accounts not being paid I am XXXX years old I am trying to get out of debt not make debt but there were 7 attempts to acrue credit in my name and 5 cards were issued to someone and it is showing up on my credit report thats when I became aware of this I talked to someone for one of the cards but it seem like i am getting know where with this, one of the cards is to a XXXX XXXX for XXXX I would not even except a XXXX card or why would I need a XXXX  card please work on taking care of this issue I do pay my bills but I can not pay bills for someone else. I have never dealt with creditor.
Product: Debt collection

XXXX XXXX Under dispute with Experian XXXX XXXX Under dispute credit report is on high security alert due to data breaches
Product: Credit reporting, credit repair services, or other personal consumer reports

This child support was opened up fraudulently there's no stamp for court use there's no signatures and it's not notarized it's illegal and it says right to a state hearing through judicial but it's only a temporary judge and it says as of XX/XX/XXXX I owe and the other one says XX/XX/XXXX no signatures it shouldn't be on my credit report it's illegal
Product: Credit card or prepaid card

My tax refund of {$3200.00} was sent to my bluebird ( American express ) account on the XX/XX/XXXX. OnXX/XX/XXXX I went online to check my account as it had been a while since I had looked at it. Upon viewing my account I saw that I had a balance of XXXX. Someone had fraudulently accessed my account and drained it to nothing. I looked in my wallet and my card was missing. I 'm unsure when or where it was stolen from me. The charhes occurred a couple weeks before I called in to file the unauthorized charges. I dis n't realize that it was even missing. It is quite previlant that it was misconduct being the money had been sithing in there for months and all of a sudden all of the money is gone in 2 days time. So o theXX/XX/XXXX I filed the dispute for {$3200.00} in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the cusomer. TheXX/XX/XXXX was the 10th day. I called in and they said they have not heard back from the fraud department and they could only send an email as they do n't have telephones. I said to them It is a government mandated law that I recieve prprovisional credit as the 10 days is up. They said the ca n't do anything but send an email and the would receive a response within 24-48 hours. I had no choice but to say ok and comply. 2 days later still no update so in call back. They tell me they have still heard no word from the fraud department. I ask for a supervisor, I wait 1 hour and they finally come on the.line. I ask them it 's been 48 hours and I 've been very patient. How is this ok that American express does not follow the law that is set fourth. She does n't say a word. Just keeps repeating about sending another email. Which I reply we tried the email already it did n't work. I repeat again, how is this ok that you guys do not follow the law. I should have been issued provisional credit 3 days ago. They tell me yes you did get the.form turned in in time before the 10 day period and you should have got the provisional credit. So I 'm just so baffled at this point. I try to ask her what the next step wpuld be and she hangs up on me. I call back and ask for a supervisor again and they tell me. All supervisors are busy assisting customers we can have them call you back. What is a good callback number. I give them my number. I never get a call back. The next day XX/XX/XXXX. Which is toda in call yet again, I get the same exact responses, all we can do is email the fraud department again. I 'm so frustrated at this point I do n't know what to do. How can they get away with breaking U.S LAW like this.
Product: Checking or savings account

I was suppose to receive my direct deposit from work on XX/XX/year>, capital one reported technical issues from a third party. I called multiple time to try and provide my direct deposit track #, but haven't been able to reach them. The biggest concern is that there is no solution, no date when my funds will be available. It seem illegal for my work pay to be withheld from a bank due to their technical issue.

This directly impacts pending payments I have scheduled, rent that is due, and the well being of my 4 year child. I Iive paycheck to paycheck I don't have someone I can just borrow money from. Also, I can't have my employer resolve this because they already paid out those funds to Capital. 

Please help escalate this matter immediately. 

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

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I will keep on refilling this to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached the Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : AMERICAN HONDA FINAN, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax ( or XXXX ) sent a letter saying that I requested not to receive pre-approval offers. I did no such thing. If it was this bureau. I request that it be removed.
Product: Checking or savings account

I still have a transaction still pending with Cashapp from XX/XX/year> and its XXXX XXXX XXXX. The charge was from XXXX. It cleared on XXXX XXXX  end but is still show pending on cash apps end. 

Mon, XX/XX/year> - Previously I've had charges that didn't make sense and when asked Cash App 's " customer service '' support via chat. I didn't feel safe to use my debt card with them. And the only answer I would get is " you are unable to complete this transaction with your cash app card. for security purposes, we do not have further information to provide ''... well who has the information then?
Product: Money transfer, virtual currency, or money service

I made a money transfer on line with Western Union on my checking account. After I pressed submit to transfer the money and message popped up saying it would take 5 business days to receive. When I realized this mistake I called them right away and was told I would be receiving my credit right away. If I wanted to send the money to the receiver for the same day then a debt card or a credit card and that I could do it on line. I was not credited but the truth took it out twice. I have been on the phone for2 hours and was told it would take 5 business days to receive one credit and the other would be by tomorrow. The supervisor said she could n't override this problem because of the back office. I asked to speak to them and she said they do n't take calls. I was helping a family member we was having a XXXX XXXX XXXX. They also said on the phone that I would receive my first transacion of {$200.00} today. I have checked my account and no monies were received. Please help me retrieve my money back. The transaction numbers are XXXX and XXXX. My gold card number is XXXX. Thank you
Product: Checking or savings account

On XXXX XXXX I deposited a United States treasury check for a XXXX disaster loan in the amount of {$25000.00} to make repairs on my home after it was flooded in a since declared disaster area of XXXX XXXX in XXXX. On XXXX XXXX  I attempted to log into my citibank checking account and it would go thru. I called the bank and was told that the check is not a usual check they see and they can't verify so they will make my account inactive and ultimately close my account and my money that was already in that account will be mailed by check in 30-60 days. The whole purpose of this loan was to fix my house and now not only do I not have the loan, but they have my money that had nothing to do with transaction. I have mortgage and car insurance payments that need to be made like today. This is not how to handle a business. Take a legit check and making it an issue for no reason. I live paycheck to paycheck. I do not have supplement funds available to me to hold me over 2 months until they decide to mail me my money that was in that account before any of this.
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. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

PROSPER /XXXX  denied my loan on the basis that my PAY-STATEMENT WERE FALSE, stating that not real, acusing me of submitting fraudulent document which is false i have been working for this company for 11 years and these are the statement they always used, they simple assume, that because these statement can be generate online there false or fraudulent i have place a complaint to the office of the attorney general, federal trade commission XXXX local and federal authorities for defemination and accusation of commuting fraud i will like you bring this to your attention and all the authority 's of there practice and XXXX  and will take this all the way
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has my information mismatching with Someone else and so does transunion it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone
Product: Credit card or prepaid card

I am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back. 

The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined. 

I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point. 

It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way. 

I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Summary : On XXXX, XXXX I received my credit report from Experian Credit Bureau. I pay attention on unauthorized charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX account which for some reason was opened on Saturday XX/XX/XXXX without my authorization. ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, CA XXXX. I never been a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, do not received any correspondence or legal bills. I did not used any services, didn't open any accounts or credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and didn't authorize anyone to do so on my behalf. Also according Legal Protection, my Credit Report is Freeze and Locked from XX/XX/XXXX to provide any requests for any financial companies in XXXX XXXX Credit Bureaus. On XXXX, XXXX I have contacted with Experian Credit Bureau regarding this accident for removing unauthorized charges XXXX XXXX XXXX XXXX / XXXX XXXX from my credit report but for some reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied my legal request. Please see attached files including XXXX police report XXXX. Thank You.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXX/XX/XXXXXXXX
Product: Checking or savings account

I received an e-mail from Bank of America on XX/XX/2023 on my personal e-mail associated with a credit card account that I have with them that my debit card for a checking account was on the way. I did not open a checking account with them. I called them on XX/XX/XXXX and told them I did not open an account. They told me it was the result of fraud and someone had called in with my social security number to set up the account and that I needed to be on alert and contact all my other banks which I did. They also closed the account. I left it at that until I came across and article by XXXX on XX/XX/XXXX stating that BOA has been fined and is paying out hundreds of millions of dollars by yht CPFB due to fraud committed by the bank for opening unauthorized accounts to make their sales numbers look better. It all clicked. The account that was opened was a checking account with a {$0.00} balance. My email address wasn't changed. My password wasn't changed. My phone number wasn't changed. My address wasn't changed. I received the debit card for the unauthorized account in the mail. There were no funds to access nor was there any way for anyone besides me to access them. Either this was the result of the dumbest criminal in the world or the bank opened the account without my authorization and lied to me about it to cover their tracks. I spent DAYS contacting banks, changing user names and passwords, setting up new email addresses, etc., all because some banker wanted to show an extra account opened. Clearly the activities they're being penalized for have not stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Equifax credit profile. On XX/XX/XXXX, our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. 

My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. 

Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. 

XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX Homebridge and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX  closed/paid in full after sale on home XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft stemming from a data breach, and the accounts listed below are fraudulent and unauthorized. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$4300.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$7900.00} XXXX. Creditor Name : XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXXXXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$3500.00} XXXX. Creditor Name : XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$4500.00} XXXX. Creditor Name : XXXX o Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX  XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : Bankruptcy XXXX Case Number : XXXX XXXX  Date Reported : XX/XX/XXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : Bankruptcy XXXX  Case Number : XXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX  Balance : {$00.00}