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

On XX/XX/21, I applied for what I thought was a CapitalOne Quicksilver card. 

On XX/XX/21, I discovered an annual fee on the card, which was a surprise. I called CapitalOne and spoke to XXXX.The Quicksilver One and the Quicksilver look visually nearly identical ( gray with concentric circles ), and apparently, I clicked the one with an annual fee in lieu of the one without. He did not waive the fee nor allow me to upgrade the card. I called later and spoke to XXXX at CapitalOne and he said I would have to close the old account and apply for a new one. 

I then spoke with XXXX from the new applications team. We went through the application process, only to end with a decline of my application. My credit score is impeccable, unsure why I'd get declined.
Product: Checking or savings account

I opened a new Citibank account on XX/XX/2023 with a {XXXX bonus offer. 
I called the customer services in XXXX to see when I would receive the bonus. The bonus never posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2005 Balance : {$19000.00}
Product: Debt collection

I have been unable to obtain accurate account info and balance info regarding this account. Account number and balance are both incorrect on my credit report. For debt to be legitimate report to any bureaus it must be accurate, verifiable, and true.
Product: Money transfer, virtual currency, or money service

This began in XX/XX/2021 for an amount of {$30.00}. It was a purchase through XXXX using PayPal with a connected credit card with XXXX XXXX The goods never arrived. I submitted a claim through the XXXX website and did not receive a response. I then submitted a claim to the PayPal website and did not receive a timely response so I then Disputed the transaction with my credit card company. A month or so later PayPal, refunded the amount after the credit card company had already restored the balance. Apparently the credit card company never reversed their portion once PayPal fixed the issue. In early 2021, I was notified of a double refund by PayPal and so they put a hold on my account until I fixed the issue they are asking be to add funds ( {$30.00} ) to fix the discrepancy. I have contacted both PayPal and XXXX XXXX  multiple times. I have confirmed with XXXX that PayPal accepted the charge back. XXXX has reversed their original refund. I have provided screenshots from my account as well as the official letter from XXXX XXXX to PayPal with no change in the status of my account. When I spoke with them several weeks ago, they asked for my authorization to contact XXXX  XXXX  to try to sort things out as they claim they never received funds that XXXX pulled originally when I submitted the dispute. XXXX disputed this and can provide documentation apparently. I contacted the XXXX  at the end of XXXX and there has been no response from PayPal as of XX/XX/XXXX which was the original deadline. Since I submitted the XXXX complaint, my account is now blocked for PayPal. When I try to login it says my credentials are incorrect. I have not changed anything as far as my username or password.
Product: Credit card or prepaid card

I GOT A 'CARECREDIT ' CARD WITH MY DAD AS CO-SIGNER SEVERAL YRS AGO & THE XXXX  I USED IT AT DID HARDLY ANY WORK ON MY XXXX  BUT HE TOTALLY MAXXED OUT THE CARD WITH CHARGES FROM WORK I NEVER GOT DONE & NOW I OWE OVER TWICE WHAT WAS THE ORIGINAL CREDIT LIMIT. I TRIED CONTACTING THEM ON SEVERAL OCCASIONS BUT TO NO AVAIL. I JUST WANT THIS DONE & OVER WITH CUZ I HAVE HUNDREDS OF THOUSANDS OF DOLLARS IN TRUE & REAL MEDICAL BILLS DUE TO MY XXXX, MY DAUGHTERS XXXX & HUSBANDS XXXX & THIS ONE NEEDS TO GO CUZ THE COMPANY & COLLECTION AGENCY THEY USE R RUDE IGNORANT LIARS!
Product: Money transfer, virtual currency, or money service

Received a money order from a person that had me work on their vehicle, and when I tried to cash it, it instantly got rejected, which made me be out of money out of gas in the XXXX parking lot with no service on my phone to contact anyone for help .... now getting turned into collections for something thats out of my control. AND when I call the number on the notice they sent me in the mail, its continues to say that number is not a working number... am I going to have to get a lawyer for all this because Im in the middle of something I have zero control of and I personally think its XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and  XXXX .  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
Product: Vehicle loan or lease

On XX/XX/2020, CarMax presented me with a fraudulent contract that infringed upon my rights as consumer. 

On or about XX/XX/2020, I sent a Debt Validation Letter and a Cease & Desist Letter by certified mail. 

On or about XX/XX/2020, I received from CarMax, a letter and a copy of my contract as an answer to my request. 

To resolve issues, on or about XX/XX/XXXX & XXXX, XXXX, I sent a notarized Affidavit of Truth outlining their violations, another Cease & Desist detailing my remedy, copies of my exhibits, and an invoice for my  violations, again by certified mail. 

Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes have been sent to TransUnion since XX/XX/XXXX against fraud-initiated inquiries ; however, to date, these fraudulent inquiries continue to report on the TransUnion credit report. 

Fraudulent inquiries reporting include : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 

Full documentation including a police report were sent to TransUnion to support fraud claim on these inquiries. Disputes were mailed to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last dispute was sent after reviewing the TransUnion credit file on XX/XX/XXXX and finding all disputed inquiries still reporting.
Product: Bank account or service

I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Bank of America checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax numerous times that inquires listed are fraud. They remove some but not all. All fraudulent inquiries need to be removed listed on my report.
Product: Credit card or prepaid card

On XX/XX/2022, I noticed that XXXX had billed me for their annual service of {$150.00}. I had just paid this amount on another card. I immediately placed an online dispute on my account. I was given an instant conditional credit for the charge. However, I made a mistake and accidently hit the resolve the dispute button in the system. So, I attempted to contact XXXX to resolve this matter. 

I contacted XXXX to ask them about the charges. The XXXX Representative could only locate the XX/XX/2022 charge and not the XX/XX/2022 charge. The XXXX representative said that I would need to conference in the Citibank account holder to validate the duplicate charges. So, I conferenced in Citibank who verified my identity before chatting with the XXXX Representative. 

The Citibank representative found the duplicate charges on the two Citibank accounts ( the {$150.00} on XX/XX/2022 listed on the account ending XXXX / XXXX ) and the {$150.00} charged dated XX/XX/2022 for the account ending in XXXX. The Citibank representative agreed, validated and confirmed that I had been billed twice by XXXX. 

The XXXX representative could not locate both charges in their system and asked the Citibank representative to file a dispute with XXXX so that this matter could get resolved. The Citibank representative indicated that they would and asked me to submit an email to Citibank Billing disputes and provided me with XXXX ID - XXXX. I submitted the credit card statement through email and added the case ID provided. 

On XX/XX/2022, I contacted Citibank again to find out the status of my dispute. The agent indicated that the prior agent had not submitted a dispute on my behalf and that the dispute had been closed. ( SURPRISE ). I asked the Citibank agent if they could resubmit the dispute and I was told that once a decision was made that a dispute could not be re-opened. The agent indicated that he would try to resubmit the dispute but could not guarantee that it would be resolved. He instructed me to send the credit card statement to the billing dispute department and include Citibank XXXX XXXX. I sent this email and resent the dispute. 

After an additional 7 days, CITIBANK HAS DONE NOTHING AND THE DISPUTE STATUS IS THE SAME. I think this is terrible and I can't get this resolved since XXXX can't find both charges and Citibank refuses to re-open and resubmit this dispute. 

I am writing to the CFPB to get this dispute resolved as I find no other way to get it resolved. 


Citibank Case ID - XXXX OR Citibank Case XXXX
Product: Credit reporting or other personal consumer reports

Sagestream, XXXX, & XXXX continues to report incorrect information on my consumer reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other personal information listed. Once you update these reports send me a copy to ensure you have complied with federal law.
Product: Credit card

In XX/XX/year>, I became a victim of identity theft, during which XXXX allowed an unauthorized individual to gain access to my credit file. This person was able to view my entire credit history and repeatedly accessed my Synchrony Bank credit cards, changing my personal information over and over and over again week after week for 6 months. Despite my efforts to secure my accountincluding creating a strong password and implementing text message verificationI continued to face unauthorized access. I was assured by synchrony FRUAD department that my account was secure, and that no changes could be made without the correct password and verification code. 

However, despite these assurances, I endured nearly six months of repeated unauthorized access. Spending hours in the phone with them week after week crying begging them to help. I got no help. Eventually, I was forced to close all four of my credit accounts. This individual was even able to access and charge my Sams Club card. The lack of immediate action on the part of both Synchrony Bank and XXXX has caused me significant distress. As a single mother of XXXX XXXX  girls, managing a full-time job and running my own business, this situation has been overwhelming. I felt violated and helpless, overwhelmed and had a mental breakdown This issue has caused lasting damage, and I would greatly appreciate your attention to improving the security of accounts to prevent further harm.
Product: Checking or savings account

On XX/XX/2022 I received a call from USAA stating that there had been an account takeover/data breach on my checking account. The bank stated that the new debit card I had ordered had been rerouted to a Florida address and whoever got it caused a data breach on my account. After getting into my account they found another checking account from another bank that had been linked to my account. They pulled XXXX from that account and tried to deposit it into my account so they could have access to it. USAA caught this amount of XXXX and called and said there was an account takeover or data breach on my account and they were sending it to the fraud department on that day XX/XX/2022 and that the funds would be deposited back to the original account within 3-5 days. I have called them every week since that date and I get the same response the fraud department is working on it and the funds will be refunded within 3-5 days. So far they have not refunded the amount. USAA never sent any correspondence or assigned a case number to this case
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two items reporting on my credit that I need to be removed. In the month of XXXX, Account XXXX XXXX XXXX agreed to remove the XXXX XXXX and XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from Equifax and XXXX  and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint due to unauthorized inquiries on my report through ( TransUnion ) according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows 3 hard inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. Its a defamation of character
Product: Money transfer, virtual currency, or money service

XXXX Coinbase not only closed my account, but took all of my assets without reason or my consent and then demanded payment for successful banking transactions that were used to buy cryptocurrencies via their mobile app
Product: Credit reporting or other personal consumer reports

I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.
Product: Debt collection

Someone opened a utility bill in my name. I did not authorize this account to be opened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX. PA XXXX To Whom It May Concern : I am writing to formally dispute the following items on my credit report under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). These accounts are either inaccurate, unverifiable, or potentially fraudulent, and I request their prompt removal within four ( 4 ) business days due to urgent financial needs ( e.g., pending mortgage application ). 

**Disputed Accounts : ** XXXX. XXXX XXXX  XXXX Account # XXXX - *Reason : * Inaccurate reporting. No recollection of this account ; potential identity theft. 

XXXX XXXX XXXXXXXX Account # XXXX - *Reason : * Incorrect account details. Not recognized as a valid obligation. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX - *Reason : * Unverifiable information. Suspected reporting error. 

XXXX. XXXX XXXX Account # XXXX - *Reason : * Fraudulent activity. Did not open this account. 

XXXX. XXXX XXXX XXXX Account # XXXX - *Reason : * Outdated or duplicated entry. Paid in full, yet inaccurately reported. 

XXXXXXXX XXXX XXXX Account # XXXX - *Reason : * Unauthorized account. Suspected identity theft. 

XXXX. XXXX XXXX Account # XXXX - *Reason : * Inaccurate status. Closed account erroneously marked as open. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX - *Reason : * Incorrect balance or ownership. Not my account. 

XXXX XXXX XXXX XXXX Account # XXXX - *Reason : * Unverifiable. No contractual agreement with this entity. 

FTC Report Number # XXXX **Action Requested : ** - Conduct a thorough investigation under FCRA Section 605 ( b ).

- Remove or correct all disputed items within four ( 4 ) days due to urgent financial circumstances.

- Provide written confirmation of resolution and an updated credit report.

**Enclosures : ** - Copy of government-issued ID.

- Proof of address ( utility bill ).

- [ Include any additional evidence, e.g., police report for identity theft ].

I trust you will prioritize this matter. Failure to resolve within the statutory 30-day period may result in legal action. For expedited processing, contact me at XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, the Creditor cant produce the original contract WITH MY SIGNATURE, has not supplied insurance claim, payment history, proof that debt belongs to me. They sold my personal information to a collection agency without my approval or consent. IDENTITY THEFT. 
I do not recognize how this account is reporting on my credit report. I dont recognize the account number, account status, or charge-off. Everything being reported DOES NOT MEET THE FCRA Laws. 15 USC 1692 ( g ), validation of debts.

It has been more than 30days, so they are NOT IN COMPLIANCE. According to FCRA laws, this account must be removed/deleted. 

Please delete this account from my credit report.