23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've never filed a complaint here before, but this issue really needs to be corrected before other consumers fall victim. 

On XX/XX/XXXX, I chatted with jet blue via their online site and spoke to Barclay 's Bank on the phone. I had an upcoming trip from XX/XX/XXXX through XXXX that I had already paid for and at this point i wanted to know if there was a way I could get my bags checked for free somehow. I hadn't paid for the checked bags yet, only the tickets. I was led to believe through the chat and reassured on the phone that applying for a jetblue credit card, if I was approved, would allow me to be reimbursed for the checked bags fees for me and my two traveling companions.

After the chat agent suggested I apply for the credit card, I immediately applied for the card ( Barclay/jetblue with about {$100.00} annual fee ) and got approved. I then went back into to find out exactly how to proceed with advanced payment for the bags ( {$180.00} total ) the agents in the chat then gave me conflicting information and suggested that since I wouldn't receive my jetblue card before my flight, I was now ineligible for the free checked bags. This information also conflicted with the info I got on two separate calls with Barclay 's ( using phone number provided by the jeblue agent ). Before I purchased the baggage fees, I hsd called Barclay 's and the agent told me it was OK for me to purchase baggage fees before my flight with another credit card ( since I had not received my jet blue credit card in the mail yet ) and that I would be reimbursed afterward to compensate for the {$180.00} bag expense.

When I got home from the trip and having now received my card, I called Barclay 's to get the reimbursement ( today XXXX ). The Barclay 's representative assured me that i would be reimbursed for the fees ( which backed up what the previous Barclay 's agent told me before I first purchased the bag fees prior to the trip ) She then transferred me to a jet blue agent who now says they can't refund bag fees paid for with a non jet blue credit card. I am now on hold waiting for a supervisor ( they estimated 40 minutes wait time ) Here is some verbiage from the chat as we were talking about the free checked bag feature, before I applied for the jetblue card : Me : if I get a blueplus credit card, do I get free checked bags? ...

me : so even though I didn't pay for the flight through this card I can still do it? If I get approved?

Live agent : yes that's right But the most infuriating aspect of this is the blatant conflicting information between Barclay 's jetblue credit card and some of the jetblue agents. Two Barclay 's credit card agents told me I'd be reimbursed ( 1 today, XXXX and 1 on XX/XX/XXXX ) I have no doubt that if other consumers haven't already been cheated out of bag fees reimbursement the same way I did, many will soon if this issue is not corrected
Product: Credit card or prepaid card

I have two outstanding issues with UBS. 

1. I have a credit card that normally carries a {$490.00} annual fee. The fee was waived for me because I moved all my assets to UBS, however I was just charged this fee again.

2. I was charged a {$270.00} annual fee for my XXXX XXXX accounts. I was told that this fee is waived if have {$1000.00} in direct deposits in any of my linked accounts, which I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX County to civil court to obtain records of an unlawful detainer that is reporting on my Transunion report. They had no record of the detainer listed. This item is making it hard for me to obtain a house and the information reported is not truthful.
Product: Credit reporting or other personal consumer reports

I have settled a debt with XXXX XXXX which is the debt collector for XXXX XXXX XXXX  XXXX In exchange for me settling this debt it was agreed that this would be completely removed from my credit report with Experian. However EXPERIAN AND XXXX XXXX has violated my rights by still reporting this impactful information on my credit report. I have already submitted a complaint to the CFPB which is attached and XXXX XXXX responded saying the did receive the payment. I would like this removed from my credit report immediately and I am seeking monetary relief for violating my consumer rights. Also, It's been XXXX  years since this account has been closed, there's absolutely NO reason why this account is still reporting on my credit report. I am holding XXXX XXXX AND EXPERIAN responsible and I am seeking monetary relief from both companies.
Product: Credit reporting

There are multiple inquiries reporting on my credit report and I have reached out to TransUnion multiple times letting them know I did not authorize the inquires. I am always told I need to contact the creditor, which I have tried and have not been successful. I call TransUnion back, and no one attempts to assist me and tell me there is nothing that can be done. 

The companies that I did not authorize are as followed : XXXX Inquiry Date XX/XX/2016 XXXX Inquiry Date XX/XX/2016 XXXX Inquiry Dates XX/XX/2016, XX/XX/2016, XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of Education/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not credit reports exist with Experian & XXXX. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX  reporting.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
Name-Jefferson Capital system Amount - {$770.00} XXXX XX/XX/XXXX Name-XXXX XXXX XXXX Amount- {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them.

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX bank. Keeps lying about this issues credit one bank claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Accounts XXXX MTR - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove inaccurate information on my credit report. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please remove this inaccurate information Correct Address Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX The following personal information is incorrect : Correct Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX remove this inaccurate information
Product: Debt collection

XX/XX/2019 This collection has is listed as a factoring account on my report. The company is Portfolio Recovery Associates which is a debt collection company and not a factoring company.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there depute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readress
Product: Checking or savings account

The told me via email and in their app they were closing my account and won't tell me why
Product: Prepaid card

when ever i make a purchase my rush card hold more then my purchase was
Product: Vehicle loan or lease

Gateway One Lending & Finance sold vehicle loan to Santander Consumer USA on XX/XX/2020. The loan balance stated does not include XX/XX/2020 payment with a principle payment of ( XXXX ) interest ( XXXX ). Santander Consumer USA has populated a statement with the incorrect loan balance. 
{$22000.00} is reported. Aprox. {$22000.00} is the correct balance. 
I have contacted Santander Consumer USA on 3 occasions, and the accounting department has yet to fix the issue. The transaction history shows this payment, but is not deducted from the previous statement account balance.
Product: Debt collection

For the past couple of months, I have been getting text messages from a debt collector called portfolio recovery at any all types of hours through the day. When I look at my credit report on XX/XX/XXXX, I see that there is a collection in the amount of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 61 points with Transunion only because my credit card balance increased by {$79.00} and my Dad credit score dropped only 20 points and his credit card balance increased by {$130.00} with Transunion. When I called Transunion and asked a Transunion representative on the phone about my account, he said that nothing had changed, but when I paid Transunion to see what my credit score was, it showed that I had lost 61 points the same as what XXXX XXXX was showing me.

How can I lose 61 points for a {$79.00} increase on my credit card and someone else only lose 20 points for a higher increase on there credit card? I looked at my credit report and nothing else had changed to cause my score to drop that much. I have attached two documents showing proof of what I'm saying.
Product: Mortgage

I was told my mortgage company would be America Pacific Mortgage through the whole loan process by my loan officer XXXX XXXX XXXX of XXXX. Loan went through alls good then I get a billing statement from a company called XXXX who told me they bought the loan yet I am still getting mail from America Pacific Mortgage. XXXX also ran my credit before the loan was even finalized. I tried calling American Pacific Mortgage but could only leave a message and no one is calling me back. My first payment is due XX/XX/XXXX and I do n't want to pay the wrong company. What do I do?
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 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 or other personal consumer reports

The hard inquiries on my credit report are unauthorized and fall under 15 USC 16c-2. Kindly remove them to correct the report.
Product: Checking or savings account

Subject : Formal Complaint Against Citizens Bank Unexplained Account Hold & Verification Issues To Whom It May Concern, I am filing this complaint against Citizens Bank due to their failure to provide a valid reason for placing an unauthorized hold on my account, repeated refusal to verify my identity despite my compliance, and their lack of transparency in handling my funds.

Background of the Issue : 1. On [ date ], I contacted Citizens Bank to address an issue with my account. I fully verified my identity and provided all requested information.

2. The representative placed me on hold for approximately five minutes and then transferred me to another department without informing me.

3. Shortly after this transfer, an authorization hold was placed on my account without notification or explanation.

4. When I called back to inquire, a fraud supervisor refused to provide a reason, stating that there could be multiple reasons and that Citizens Bank does not have to disclose this information.

5. Despite repeated attempts to verify my account, customer service continues to claim that I can not be verified, even though I have provided all necessary information multiple times.

6. Citizens Bank is denying me access to my own funds without any justification, which has caused significant stress and financial disruption.

Violations & Consumer Protection Concerns : Lack of Disclosure : Under the Truth in Savings Act ( TISA ) and Electronic Funds Transfer Act ( EFTA ), banks are required to inform customers of account holds and provide a reason.

Failure to Verify Me Properly : Despite verifying my identity multiple times, I am being told that I can not be verified, which raises concerns of negligence or discriminatory practices.

Financial Harm : This hold has prevented me from accessing my own money, potentially leading to missed payments, late fees, or other financial consequences.

Unfair or Deceptive Banking Practices : Citizens Bank is refusing to explain why my funds are being withheld and is failing to provide adequate customer service to resolve the matter.

Requested Resolution : I demand that : 1. Citizens Bank provide a written explanation for the authorization hold placed on my account.

2. Immediate removal of any unjustified holds that are restricting my access to my funds.

3. An investigation into the misconduct of the representatives and supervisors who refused to provide information despite my full verification.

4. Compensation for any financial damages incurred due to this unnecessary account restriction.

If this matter is not resolved immediately, I will escalate it further by seeking legal action and publicly reporting Citizens Banks misconduct to federal regulators.

I expect a written response within 10 business days addressing my concerns. If Citizens Bank fails to comply, I will pursue all legal and regulatory avenues necessary to protect my financial rights.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I applied for a {$35000.00} loan with ONEMAIN FINANCIAL and was told that my application was unable to be approved. ONEMAIN FINACIAL placed a hard inquiry o my credit profile and sate falsely claim that I did not meet the criteria for a loan. This is inaccurate as the entire consumer transaction is predicated on my own credit which I am merely seeking to access a portion of. The denial of my application is a false and misleading denial of my own credit pursuant to : 15 U.S. Code 1611 - Criminal liability for willful and knowing violation For my application denial, ONEMAIN FINANCIAL states the following reasons : Percent of XXXX XXXX  in use Credit amount on revolving trades Percent of revolving credit in use Ratio of balance to credit These reason for denial of the application is not in accordance with the FTC, CFR, and the FCRA as they are predicated upon willful and erroneous data to cause me denial and financial injuries As you made be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 
Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 upon my application being denied I received no letter In writing telling my why I was lawfully denied. Instead, I received an electronic notice ( see attachment ) stating the four unlawful above to justify the loan denial reasons. 
This is booth evidence and proof that I have been discriminated against, ONEMAIN FINANCIAL Is also criminally Liable and should resort to reasonable procedures to rectify this affair and compensate me for this use of my security, otherwise this would be security fraud since I have no BENEFIT. 

according the ONEMAIN FINANCIAL prospectus : The information in this preliminary prospectus supplement and the accompanying prospectus is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are part of an effective registration statement filed with the Securities and Exchange Commission. This preliminary prospectus supplement and the accompanying prospectus are neither offers to sell nor solicitations of offers to buy these securities in any jurisdiction where the offer or sale thereof is not permitted. 
Filed Pursuant to Rule 424 ( b ) ( 7 ) Registration Statement No. XXXX Since they are taken said position as to guarantee not to sell my security or make no offer to by my security they have admitted to financial fraud in the act denying me my security.
Product: Credit card or prepaid card

XX/XX/22 I needed to pay some utility bills online as well as other things and to be safe I went to XXXX and loaded {$500.00} cash onto a Netspend/PayPal prepaid card. A {$5.00} fee was charged leaving {$490.00} on the card. I then activated the card and tried to pay the bill, it was declined. I proceeded to register the card online and they asked for documents to verify my identity. They asked for ID and a utility bill. I provided the documents asap and shortly after they responded saying my account was fully ready to use. I try again to pay a bill/shop and they blocked my online acces and ask for the same documents again. Their response email said they respond within 6 business hours. They did not respond until XX/XX/22 saying the documents had to be in color. I re-sent the documents within the hour and they replied again that they will respond within 6 business hours. They still have not responded or unlocked the account. I am now late with the bills I needed to pay and they have stolen {$500.00} from me.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXXXX/XX/year>