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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Double charged by XXXX XXXX on my Amex card {$130.00} dated XX/XX/year> for flight res XXXX XXXX in where I paid for the bags in advance and then they double charged me again for the bags. This double charge needs to be refunded in full {$130.00} and XXXX XXXX has committed a fraud by untruthfully responding to American Express who has refused to protect my consumer rights. This violation is potentially criminal in nature and against consumer protection laws. 

If I do not receive the full {$130.00} refunded I will continue to pursue complaints with other agencies such as the XXXX, XXXX  Attorney General, and XXXX in addition to local courts. 

I have witnesses that support my claims, even thought I should not need them because XXXX XXXX can see from their baggage manifest that I paid for the bags included with my tickets and they charged me for XXXX extra bags I did not have and then the manifest shows only XXXX bags were loaded, therefore I was charged for XXXX bags with my tickets and then charged for another XXXX bags equaling XXXX bags even though only XXXX bags were loaded into the aircraft. Clearly this is is a double charge and I am entitled to a full refund of the {$130.00}.
Product: Credit reporting or other personal consumer reports

Late payments listed on my credit report seem to be mistakes. Please correct these inaccuracies to reflect my history.
Product: Credit card or prepaid card

Received initial text message on XX/XX/19 from # ( XXXX ) XXXX claiming to be Capital One, the text addressed me using my real name, asking if Id applied for a Capital One credit card and to please respond with an answer. After I did not respond to the first text, they sent another, again using my real name, insisting that I respond urgently. Knowing that I definitely have never applied for a Capital One credit card, I brushed the text off as just a scammer considering I do receive a number of different scam calls and texts ( mostly phone calls, multiple per day ) regarding numerous things, but this text in particular did stand out as Ive not only never received any other similar calls or messages and this was the only instance where my real name was used. However, on XX/XX/19 I received in the mail an actual Capital One credit card in my name that Id absolutely and definitively never applied for, and it was mailed to my parents house in which I no longer live ( I bring up this fact because if hypothetically I were to apply for a credit card, I would have it mailed to my current address, not my parents ) I called Capital One and the automated system was unable to locate any account under my name, however the card had yet to be activated but I have no intention on activating the card. I was able to speak with a live representative on XX/XX/19 who could see that an application had in fact been filed under my name to which I was approved for and the card was sent out to me, but did not yet have an actual account since I have not activated my card. I attempted several times to speak to a supervisor which were all unsuccessful, though I was assuredly told by the rep that I spoke with that the text messages were in no way affiliated with Capital One. I intended to take further action this evening when I return from work, however my fianc who lives with me called earlier to tell me that she had received a text message from the same number listed above, referring to her as Mrs. { My real name } and asking if shed applied for a Capital One card and that a card was already in the mail to be delivered on XX/XX/19, when she responded asking for them to verify their authenticity, they requested that she send photos of the front and back of the credit card when it comes in the mail. They only referred to her as Mrs { My name } or just my name, never hers. I do not have any idea as to how they obtained her phone number or knew we were connected. I will again be contacting Capital One in an attempt to speak to a supervisor later on however I felt the need to report this incident to the proper authority.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B 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. This fraudulent inaccurate and false information consists of a personal CAR LOAN account opened at XXXX on XX/XX/XXXX ( XXXX # XXXX ) BALANCE {$39000.00}. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Checking or savings account

For reasons I am not aware of, Chase recently closed down my account, but I did not do any such thing for which Chase should close down my account. I managed my account properly and did not commit any abuse of it.
Product: Credit reporting or other personal consumer reports

Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I placed an order via PayPal on my smartphone, while going through the routine checkout phase, I the checkout chart to complete my order, however, I proceeded to click on payment and accidentally click another feature, which appeared to be PayPal Credit, I was only trying to pay for my item, which totaled around {$8.00} or more, but it was a feature to apply for PayPal credit, which I was not trying to apply for credit, especially for the {$8.00} bucks I was spending. A month later, I received a hard inquiry on my credit report stating that I had applied for PayPal credit. 

The way they have the PayPal credit feature on the checkout platform is very confusing as if they are being deceptive to offer you PayPal credit unknowingly. Like I stated, I was only trying to pay for my order. I have reached out to PayPal and XXXX and each agency tells me I have to correct the error with the other agency, the credit bureau and PayPal are basically giving me the runaround. I would just like them to remove the hard inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The gentleman on the other end called me a liar, said that I was giving the wrong email address.When I have ONLY one, regarding complaint # XXXX. I was trying to find out about a company 's respose to my dispute, but was being refused the information I requested. XXXX XXXX credit card company is on my report fraudulently, and am NOT getting ANY help From your employee.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of inaccurate and invalid negative accounts on my credit reports with XXXX and Experian. Despite my multiple disputes, these negative accounts remain unresolved, with inconsistencies that highlight clear reporting errors between your bureau and XXXX.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX XXXX Address XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX Account number XXXX NAME XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MO XXXX Dear, XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.
Product: Mortgage

In XXXX of 2020 I made a payment to Wells Fargo for our 1st mortgage. The statement showing this transaction shows a principal balance on our mortgage of {$270000.00}. This is a conventional 30 year mortgage. 

I accepted payment forgiveness ( COVID 19 ) from Wells Fargo and did not make a payment in XXXX or XX/XX/2020. Wells Fargo said there would be no fees or interest on this short term no payment period. The statements sent at this time showed the same {$270000.00} balance AND a 2nd principal balance of the payment that wasn't made that month. So, every month that went by - they are charging me the FULL mortgage payment that wasn't paid AND putting it on top of my regular mortgage principal - like a {$2100.00} Fee they are charging each month and adding to my balance. 

In XXXX, we made a payment. After the payment went thru - Wells said I now have a principal balance of {$270000.00}. 

After skipping 2 payments at no charge and making a payment - my total principal balance should be XXXX. Instead, thru XX/XX/2020 Wells Fargo has added {$2700.00} to my principal balance. 

I contacted them, they " resolved '' the issue by calling me a month later XXXX and telling me I'm wrong and they are correct. 

What they are doing is " adding '' the payments to the end of the mortgage. In reality, they are increasing the payoff of the house by thousands of dollars. If I sold this house in 5 years, I would have to pay these payments on top of the principal. 

I'm sure they are pulling the same thing with Millions of other people who may not be looking as closely as I am.
Product: Mortgage

I am writing regarding a late mortgage payment that was made to M & T Bank in XX/XX/XXXX. I have attached the letter I sent and the response received from M & T Bank requesting a goodwill adjustment. I also attached the latest correspondence received from M & T Bank after I missed my mortgage payment in XX/XX/XXXX. 

Previously, I had paid off a forbearance loan in XX/XX/XXXX for {$16000.00} to M & T Bank. 

After I received M & Ts response, I did a little research on the Cares Act 2020. Should I have been given consideration under the Cares Act for M & T Bank reporting my late mortgage payment to the credit bureaus?
Product: Credit card

On XX/XX/, I authorized a {$5.00} transaction to someone in XXXX via my Capital One Venture XXXX card. After I left, I saw that my card had actually been charged {$2400.00} not the {$5.00} that I had agreed to via a clothing merchant called XXXXXXXX XXXX. I did not authorize a purchase at that amount and I did not receive any merchandise from this " merchant '' nor receipt for this transaction. 

I have explained this situation to Capital One over the phone and provided a statement and the Police Report multiple times. I never received a receipt for this merchandise and this merchant is a criminal. There is no way for me to contact them because it is not a real business and this person is a criminal who is robbing people in broad daylight via these unauthorized transactions. 

I am working with the XXXX Police in a criminal case against this merchant. I have already submitted the Police Report of this situation to the Capital One Fraud Department Dispute Departments and am submitting it here as well. I am working with the XXXX Police Financial Crimes Unit and they have reached out to Capital One to subpoena the transaction information for the case. 

I have now said this information to Capital One over three times- on multiple calls to the Fraud Department and now this Disputes Department, which is where they sent me. It is extremely disappointing that I called immediately less than 5 minutes after the transaction happened to tell them that it was not an authorized charge. This situation is a common form of fraud and financial robbery that I did not authorize.
Product: Debt collection

Numerous robo calls to my phone number from Portfolio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX. I have no information or knowledge of any debt.
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 consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Checking or savings account

Paypal offered a bonus for XXXX reward points if i completed direct deposits in total of {$5000.00}. 

They offered this promotion to me in XXXX ( which I completed ) and again in XXXX this same promotion was shown on my account offers page. 

I completed all requirements for this bonus again and they showed on the rewards page that the offer was tracking as i made the first {$2500.00} deposit and then again it showed completed when I made the second {$2500.00} deposit in the required timeframe. 

I have the screen capture of this attached to this complaint. 

Paypal told me that an account could only receive this promotion 1 time. That language is not show in the terms and the reward was tracking in their system. 

Had I known that I was not " eligible '' for this promotion I would not have direct deposited my funds with Paypal.
Product: Credit reporting or other personal consumer reports

Certainly! Here 's the rewritten version of your statement : I consistently made on-time payments, paid off the lease early, and returned the vehicle ahead of schedule. I paid the full amount up to the last day of the lease. However, upon checking my credit report last week, I noticed a charge-off related to the leased vehicle, appearing XXXX years after the lease ended. When I called last week, I was informed that the charge-off was due to wear and tear on the vehicle. 

I had purchased warranties for wear and tear, as well as interior and exterior protection from the dealership. When I returned the vehicle, the dealership confirmed that everything was in good condition and assured me there would be no additional charges. 

When I contacted the dealership, which still exists, I was informed that it had changed ownership more than XXXX years ago and that the documents would be with the previous owner. Upon reaching out to the previous owner, I was told that all documents were either transferred to the new ownership or to XXXX itself. 

The account shows a charge-off, with {$2300.00} written off and {$2300.00} past due as of XX/XX/2024, despite never being late on payments.
Product: Credit card

Went online to my bank to pay bill 2 days before it was due. The next day was grayed-out on Citibank 's Bill Pay and would not accept payment, which was not the case with other bills I was paying at the same time. They were open to receive payments the following day. I called my bank and they said it must be a problem on Citibank 's end. I paid, assuming that they have a grace period like other credit cards when the due date is on a weekend. The payment reached them on Monday and I was charged a late fee. I called them and asked that it be forgiven as a one-time courtesy, as I have never missed a payment and have always paid in full, which is also this case with this payment. They refused to remove the late fee.They charged 14 % interest for 2 day late fee which works out to roughly 2,500 % annualized
Product: Checking or savings account

Received letter in the mail that someone tried opening a checking account with Wells Fargo and was declined. On or around XX/XX/2021, I did not authorize this transaction. Also there were several other attempts to open leasing accounts that were not authorized nor did I apply for these accounts. This has severely decreased what credit score I had left. Account was trying to open in my previous married name XXXX XXXX XXXX
Product: Debt collection

Discover Financial Services dba Discover Bank has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Product: Debt collection

IM UNAWARE OF OF THIS ALLEGED DEBT I DIDNT RECEIVER CERTIFIED NOTCE TO DISPUTE
Product: Vehicle loan or lease

They keep alternating my credit to fit the benefits of their companies not me the consumer
Product: Credit reporting or other personal consumer reports

i have disputed with transunion many times they are not checking anything just sending back verified onemain account total car progressive payed XXXX dollars did not report on account reporting account close then open then close changing charged off dates etc to kill my credit score XXXX XXXX  account charge XXXX dollars for tag and title on the original contract car stolen etc sham investigation mariner finance doing the same thing to kill credit score i need original contract sent to me with my signature by email XXXX XXXX
Product: Debt collection

An account from XXXX showed up on my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and Transunion are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit increase with XXXX XXXX. After applying XXXX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that XXXX XXXX pull and they advised they did not show the information that XXXX had on file. 

I then called XXXX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by XXXX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to XXXX. 

It is my belief that XXXX is using outdated files when pulling credit reports of clients. I reached out to both Experian, XXXX, and XXXX XXXX regarding the information XXXX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how XXXX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from XXXX or from the credit reporting agency that my credit was pulled by XXXX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by XXXX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

XXXX advised me they used reports from Experian and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by XXXX