23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, 2016 I prepaid to XXXX for 1 year personal training using my XXXX credit card which was issued by XXXX. Later that month, Barclay took over the XXXX card and the total ( XXXX ) was paid to Barclay. In XX/XX/XXXX, the personal training company ceased operation - they disappeared from my location, but are still in business elsewhere. I initiated a dispute for the approximate remaining {$1300.00} with Barclay and received a form letter dated XXXX, 2016 ( here attached ) responding to the disputed charge, and stating that I should allow 60 days for them to pursue the issue with the merchant. I have contacted them over 25 times - have spoken to " supervisors '' and have been told that my case has been highly " escalated '' to the " Bank ''. They do not allow communication with any higher ups, and after 9 months, there is absolutely no resolution in sight. They tell me that the situation is complicated as the charge was made when the card was with XXXX, but I have no recourse with XXXX, as it is now Barclay. This should not be my problem - the XXXX companies should work this out. I paid Barclay as evidenced on the attached credit card bill. 
This treatment of a loyal customer is outrageous. I need help dealing with this disaster!
Product: Credit card or prepaid card

In or about XX/XX/2019, I notice credit was established under my name without my approval. I contested this account with the credit bureaus and the creditor stated that this account is valid. I provided the creditor a notarized affidavit and XXXX Police complaint that this account was fraudulently established under my name. But, the creditor rejected the documents. The creditor is not supporting me in this matter and it is getting quite frustrating that my life has been compromise and no matter what I do administratively, it has been denied. I want to escalate matter to show a least a face to the XXXX Police and I requested the creditor to provide identifying information from the creditor so, I can see who established the account and that information was not provided. I was informed from the agent that, my name, social security number, date of birth and address is all what is needed. Photo identification is not required to open this account. I can not afford attorney and due the claim is over {$10000.00}, I can not represent myself in this matter in court. We conclude that our mail box was compromise and while we are at work the culprit check our mail boxes for the cards and had our information to active the cards. Since then, I had place fraud alerts with all the credit bureaus that requires ID verification.
Product: Debt collection

I was in active contact with XXXX XXXX from the XXXX XXXX ( XXXX ) about customer case # XXXX. While we went back and forth for weeks and I repeatedly asked for more information, she told me via email that the case was considered fully closed on XX/XX/XXXX. 

However, the case had already been sent to collections as I received a letter from their debt collection agency Viking Services that was dated XX/XX/XXXX. This was before we closed out our communications and she let me know that XXXX closed out the case. This means they sent this to collections before communicating any decision on their end. 

Are there consumer protections against these practices?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all three bureaus no change, I have no knowledge of this inquires if you could help me i would appreciate it so much I'm disabled and a veteran thank you the accounts are listed 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 All this accts are hard inquries and i have no knowledge or gave no permission. I disputed XX/XX/ XX/XX/XXXX  no changes on my report transunion XXXX  XXXX  thank you XXXX XXXX
Product: Debt collection

Amsher falsely reporting on my credit report a fraudulent debt. This is part of the FTC # XXXX report.
Product: Debt collection

Robocall from company claiming to be the Weinberg group from an Arizona phone number. Threatened to notify authorities if I did not respond. I called the number and was told that it was not my debt but a family members. I stated that I have not had contact with them in years and to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently by somebody without my knowledge or consent. The name of the institution is XXXX and it was opened on or around XX/XX/2021 in the fraudulent amount of {$11000.00}. I have made many attempts in resolving this issue with both the credit agency and the financial institution. XXXX has not responded AT ALL. The credit bureaus are asking me to contact the bank. I have filed a complaint with the FTC multiple times. Experian is refusing to remove this account. I have outstanding credit and its completely unfair that somebody ruined my entire financial structure. Experian should be held responsible for allowing thieves and fraudsters to cause damage to this extent. They need to protect the citizens not fight against them.
Product: Credit card

I am in Citi ThankYou card program with XXXX points on the statement as of XXXX/XXXX/XXXX and got reduced to XXXX points on the statement as of XXXX/XXXX/XXXX. It was forfeited by XXXX points. Their reason is my XXXX was canceled and wo n't give me back my earned ThankYou points. I totally disagree with and like to dispute them. 

1. I have XXXX Citi preferred ThankYou XXXX cards since XXXX. I 've consolidated the ThankYou points I accumulated long time ago as they encourage their clients to better use and manage the ThankYou points earned. The consolidated points were shown on my monthly statements. There is ONLY XXXX SUMMED POINTS for the XXXX cards without any separate accounting records. 

2. As the same effort to better manage XXXX same cards, I requested Citi to consolidate my credit limits to XXXX card instead of XXXX in XXXX. They did n't grant me so I just use XXXX card to simplify my spending and accounting activities. I received a letter from Citi a few months ago stating that my inactive card was canceled. They wo n't restore my inactive card and the card was canceled without my consent. I have perfect credit records with every loan and credit card I have. I suspect they broke the law of fairness in credit card application. 

3. I am aware of my ThankYou points live with my valid credit card. However, Citi does n't state that the consolidated points will forfeit and they do n't show anywhere on my monthly card statements. I asked their agent the time I consolidated who told me my points will never lost as long as the consolidated account is open. XXXX summed points CAN NOT DIFFERENTIATE THE POINTS of XXXX card or another. Any redemption I had was deducted from the XXXX summed points in my monthly statement. 

Obviously Citi 's ThankYou points ' consolidation is neither clear/clean explicitly nor customer friendly. There are flaws in their system design and operations that are not fair or even lawful to their customers. I CAN NOT BE the VICTIM of THEIR PROBLEMATIC SYSTEM! 

It is unfair to cost customer 's interests for Citi 's mistakes. It is even not ethical or lawful to trick customers if intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX, has violated my rights. 

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 are consumer reporting act can not furnish account, without my written instructions.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  # XXXX has violated my rights. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX  # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Money transfer, virtual currency, or money service

A CHIME account was opened without my knowledge ( but I got notices in my email ). It used outdated address information. As it used my current email, CHIME told me to change my password, download app, and use that to close account. I did, but the app had no such function. They then attempted to extract all my current personal info from me. I refused and they claimed that the account was now closed. Very shady experience.
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 XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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

This morning, I found incorrect accounts on my credit report, and Im completely baffled as to how they got there. I regularly check my report, and everything was fine before, but now there are errors out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. These inaccuracies remained, and now Im pleading for the documents Ive provided to be reviewed carefully so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent inquiries on my credit report and to report a case of identity theft. Upon reviewing my credit report, I noticed an inquiries that I did not authorize or initiate. which I believe to be the result of identity theft. 
i did I authorize any request for a credit report from them. This inquiries was made without my permission, and I am concerned that someone may have used my personal information fraudulently to attempt to open credit in my name. And i have been a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I set up a money market account to protect my money. I was contacted on XXXX to purchase a product. I purchased it using XXXX. Once I sent the initial transaction, I was told they didn't receive it. I sent it again and was then told I needed to add more fees. I was then threatened to send more. Once I realized in was a scam, I tried to get it stopped, but I believe some of the transactions were not even authorized on my end. I went to my bank, they opened a case or so they said, and then a few days later demanded I close my account and move on. As you can see from the transactions I am about to list below, " just moving on '' is not right. I was scammed. I have the text messages to back up everything. This is not a small amount of money. Frost bank and XXXX have just thrown up their hands and said " oh well ''. 
Date. Amount. 
XX/XX/XXXX. {$250.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00}
Product: Mortgage

I refinanced my home mortgage with Freedom Mortgage in XX/XX/XXXX. At that time, I was instructed that I would have to pay MPI for at least 5 years before it could be eliminated as a requirement. The elimination factors for the elimination of MPI were 80 % equity value and no late payments. I have been in communication with the lendor of the course of the 5 years and in XX/XX/XXXX, I was told to write a letter to have the MPI dropped from mortgage after my 60th payment which was scheduled for XX/XX/XXXX. I did so and never heard back. Since then, I've written 4 letters and have had 4 phone conversations. None of my letters have been responded to and I am still paying MPI insurance. When I refinanced, the Home Value Appraisal was {$290000.00} and the refinance amount was ~ {$260000.00}. The loan balance is now {$220000.00}. which has me at 76 % equity value and I have never been late, making additional principal payments the entire life of the loan. I have requested that the MPI be eliminated and all payments starting with XX/XX/XXXX be refunded and applied as additional principal payments. Again, Freedom Mortgage fails to reply to me and take any action to remedy this situation. 
( Note that Freedom Mortgage did an internal conversion about 3 or 4 years ago from their previous processor, XXXX, to their own processing system. It seems that at that time, Freedom Mortgage inaccurately converted my loan balance into the appraisal value field. I have provided them the documentation from the loan closing showing that the value appraisal was $ XXXX, not $ XXXX. I do not want to pay for their conversion error ).
Product: Credit reporting or other personal consumer reports

I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. 
The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}
Product: Debt collection

I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.
Product: Checking or savings account

I bank with Huntington. In XXXX there were 3 transactions made on my account via XXXX. I received an email stating funds were being taken out. I logged into my account to go under activity in attempt to cancel them however there was nothing under activity or pending. The amounts showed up once the money was taken out of my account. Ive explained this situation to my bank and they state it was authorized but I never authorized anything. There were three payments totaling {$1100.00}. This has caused great hardship. I didnt have funds in my checking to cover my bills which resulted in late fees. I had to borrow money from my parents to cover those bills. I closed my bank account along with XXXX. The bank has refused to take any further actions. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got back my Equifax dispute results and It says that I did not include account names, numbers, and the nature of dispute. Which is wrong since I always put account numbers and company name and nature of dispute. I was disputing XXXX XXXX for not verified because Equifax has not supplied me the documents used to verify this debt. Also they have not provided me who and when they allegedly verified this debt. Confirmation number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit reporting agencies ( XXXX, Equifax, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. I have attached all documents below.

Also, XXXX, Equifax, and XXXX  are in violation of the FCRA.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Bank account or service

I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.
Product: Checking or savings account

I was approved by XXXX for a PPP loan in the amount of {$20000.00} on XX/XX/2021. I opened an account with Capital One Bank to have funds deposited into because my primary bank did not accept deposits of more than {$15000.00}. On XX/XX/2021 the money from the lender was deposited into my account and was fully available. I began making transactions and went to go withdraw some money from my account through Capital One Bank drive through at the XXXX XXXX. branch in XXXX, Louisiana. The employee told me to hold on and when she returned she began asking personal questions about my business because she saw that I had got a PPP deposit into my personal checking account. I told her that the documentation that she was requesting I would have to come inside and give to her I didn't have it right on the spot. I also felt that the personal information that she was asking me was none of the banks business because It was my money that the SBA already approved. The bank immediately froze my account and didn't tell me why. I had to call the Personal Protection line at Capital one to find out they started a fraudulent case against me. I am a sole-proprietor and everything was legit on my end. I submitted Schedule-C and promissory note from documentation to Capital one that my lender has and they keep requesting more documents. I told them that I will not be sending more documentation to them because I got the loan through my lender and not Capital one. Also the PPP loan is in my name and I am obligated to pay the money back and right now I don't even have access to the money. Almost 2 months have gone buy and no resolution has came from the bank. I call in every day to get and update and also have went to branches to have them call in to get a status update on my case and they keep telling me there is no time frame on this. I really need my money to function and at this point it is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these Hard Inquiries were done by me, why are they on my credit report:|XXXX| |HARD INQUIRES:|XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX  XX/XX/XXXX||EQUIFAX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXX

XXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/XX/XXXX|
Product: Checking or savings account

Theyre saying I deposited 2 different checks which I did not Ive been hacked and someone deposited them into my account through my mobile app then sent the money with XXXX to themselves then the checks was returned to whatever bank the checks was made from. Now theyre saying I owe them XXXX XXXX whenever Im not the one that did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX XXXX XXXX L, Account # XXXX # XXXX XXXX XXXX XXXX, violated my rights. 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 card or prepaid card

I paid a {$2500.00} deposit for a new swimming pool liner ( installed ) with a Citi Bank Master Card. The liner was to be finished in 3 weeks. XX/XX/2019 After 2 months, the liner was not even made. I asked for a refund and the vendor said he did not have my money. I disputed the charge with Citi Bank, who sent me periodic e-mails stating they were investigating my dispute. Finally, they said the vendor told them he had completed the work, so without checking with me, they closed the dispute. I got a signed letter from another pool service stating the work was never done and re-opened the dispute. Citi Bank now says too much time has gone by, and they can not help me. It was Citi Bank that wasted all the time.