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

Booked a hotel room at XXXX XXXX XXXX via XXXX on XX/XX/XXXX using Penfed credit card, card # XXXX. Cancelled on XXXX. Expecting a full refund. 
XXXX booking confirmation XXXX. 

There was credit card fraud activity happens at the same time ( unauthorized purchase ), so the old card was closed and Penfed issued a new credit card, card # XXXX. 

However, there is a duplicated charge of XXXX XXXX XXXX, so total of two {$40.00} charges on my statement closing on XX/XX/XXXX. There is one refund of - {$40.00} posted on XX/XX/XXXX. Not sure if this is due to XXXX, XXXX XXXX or Penfed 's error. As a result, there is one additional {$40.00} charge. 

Called Penfed multiple times ( latest called on XX/XX/XXXX ), and they said they can not find any wrongdoing or error. They only promised to review the case again. 

I need some help on verifying why there are two {$40.00} charges on my account. Which party 's error is that. How can I get my {$40.00} back. 

Thanks, XXXX XXXX XXXX
Product: Debt collection

VALOR INTELLIGENCE HAS DAMAGED MY CREDIT FOR A DEBIT THAT I DID NOT OWE, THEY Fraudulently REPLACED A DEBT ON MY CREDIT REPORT THERE BY DAMAGING MY CREDIT Dropping MY SCORE, THE DEBT THEY ARE TRYING TO COLLECT HAS BEEN DESPUTED IN THE PAST AND REMOVED FROM MY CREDIT. I WAT THIS FRAUDULENT COLLECTION DELETED FROM MY REPORT.
Product: Checking or savings account

On XXXX XXXX I opened on line savings account with Synchrony Bank and transferred {$5000.00} to this account from my XXXX checking account. Several days later, Synchrony advised that the account was closed for business reasons. I requested Synchroney to transfer my {$5000.00} back to my XXXX savings account. It is now three weeks later and Synchroney will not return my money and I have made many calls to Synchrony. This is a major bank stealing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly update or correct the following items : XXXXXXXX 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 reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the XXXX XXXX XXXX account and includes several inaccuracies that need correction. 

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) - **Balance Owed : ** {$690.00} ( XXXX ), {$690.00} ( Experian and XXXX ) - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by Experian and XXXX - **Account Rating : ** Derogatory - **Account Description XXXX ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( XXXX and Experian ), All Banks ( XXXX ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Merchandise was taken back by credit grantor ; there may be a balance due ( Experian ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX and Experian XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : ** 78 Month ( s ) - **Past Due Amount : ** {$690.00} ( XXXX ), {$690.00} ( Experian and XXXX ) - **Account Type : ** Auto Loan - **Payment Frequency : ** Monthly ( every month ) ( XXXX ) - **Credit Limit : ** {$0.00} This information is inaccurate for the following reasons : XXXX. **Date of Last Activity : ** Conflicting dates across XXXX XXXX Experian, and XXXX XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
XXXX. **Balance Owed : ** Inconsistent amounts reported by XXXX and the other bureaus. 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return. 
XXXX. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is not my current address which needs to be deleted from credit reports 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 an account without my written instructions
Product: Debt collection

In XX/XX/2021, I moved from residence from XXXX to XXXXXXXX XXXX SC. In end of XX/XX/2021, I contacted XXXX XXXX and informed them that I would be moving from my residence and to transfer my service. My last bill should be in XX/XX/2021. XXXX XXXX representative transferred my service to XXXX XXXX XXXX, XXXX XXXX SC XXXX. At the time there was no outstanding bill on my account otherwise I would not have been able to transfer my service. XXXX XXXX failed to discontinue my service at XXXX XXXX XXXX as a result I incured a bill for {$490.00} and therefore violated by consumer protection rights. There has been two debt collection companies that have contacted me for the past two years and I have contacted affirmed the assertions I am making in this dispute. There is not debt owed because I transferred by service. XXXX XXXX has retained Bull City Financial Solutions , Inc . I am affirmatively disputing the debt owed of {$490.00} under the debt collection laws. XXXX XXXX should have done their due diligence and shut off the service.
Product: Debt collection

I was contacted in XX/XX/XXXX by mail from I.C Systems Inc. regarding an outstanding balance of {$200.00} dollars. I called them to get more information about this debt, but all they would share was the account debtor was XXXX XXXX with a balance of {$200.00}. I immediately disputed this debt and requested a itemized statement from them detailing why this amount was owed. I also informed that I requested XXXX XXXX to have this account to be closed almost 5 years ago, and up until now, this account was closed by me in good standing. The person I spoke with was not able to access this information, but ensured me that she would send it as soon as possible. I Never heard back from them, until I received and alert from XXXX XXXX that this account was reported on my credit report as of XX/XX/XXXX. 

This company has no records of why this amount exists and failed to follow up with the information I requested to establish why this account even exist after 5 years of service. Then, recklessly reported this to the credit bureau in XX/XX/XXXX, as a result, damaging my credit score, as if this account new as if I failed to currently keep my commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

You stated that your corporation does not report any thing on the consumer report. 
Are you sure? ( see document provided ) You did not provide the documentation that I've asked for if you can not provide those documents the account is to be blocked and deleted You are in violation of 15 usc 6801 ( a ) due to not having my consent to furnish anything on my consumer report.

You are in violation OF 15 USC 6809 ( 4 ) ( A ) DUE TO NOT NOTIFYING ME THAT MY NON-PUBLIC INFORMATION WAS BEING SHARED AND NOT GIVING ME THE OPTION TO OPT OUT. 
YOU ARE IN VIOLATION FOLLOWING THIS ATTEMPT TO RECTIFY i WILL BE FOLLOWING UP WITH AN INVOICE TO COLLECT ACTUAL DAMAGES
Product: Credit reporting or other personal consumer reports

I found out that my ex boyfriend used my infirmation to open up a XXXX XXXX. He had access to my information because we lived together.
Product: Credit reporting

The Annual Credit Report site works well, Equifax always has a problem it seems. 

I did XXXX and XXXX, worked perfect. Equifax always wants you to spend money with them before they will give up the report, so they just make it hard. I can see the information from XXXX, attached screen and all I was going to do is add my employer. They ask really stupid " identity '' questions, I know I have answered all them correctly and even consulted XXXX and XXXX reports to cross reference their questions. There database is incorrect and then they want me to mail them a bunch of things, which they know I wo n't. If there database is such a mess, why not have a selection " We are having trouble identifying you and will mail a copy to your address on file '' Attached is screen shot of XXXX XXXX, both reflecting access to Equifax, then no employer reported. Hey Maybe you could get the to correct it since they do n't do their job. I have been at XXXX XXXX XXXX to present, XXXX also attached the screen shots from Equifax identity questions and then all the hoops they want me to jump through to fix their database.Please ask them to send me a copy of the address on file since XX/XX/XXXX, I would appreciate that
Product: Debt collection

I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.
Product: Debt collection

I have received several text messages of them trying to collect a debt, with no written communication
Product: Credit card

I contacted Citibank on XX/XX/XXXXXXXX  regarding my Best Buy credit card that had been closed without my permission. I was also not given warning in order to avoid the closure, notification after the closure, or any communication in-between. I only found out that the account was closed because I happened to log into my account online and saw a tiny little alert near the top of the screen saying " Your My Best Buy Credit Card account has been closed. '' I then called Citibank customer service and they told me the account was closed due to inactivity. Had the aforementioned notice been given, I would've ensured activity occurred on the card in order to avoid closure. The representative also mentioned that there was no way to reopen the account ( false statement ) and that I would need to apply for a new credit card, which, of course, would cause a hard hit to my credit report. I work for a financial institution and am fully aware that reactivations procedures exist, but they were not going to assist with the issue. The Citi Executive Response Team responded via email on XX/XX/XXXXXXXX claiming that they sent alerts via email on XX/XX/XXXXXXXX XXXX XXXX advising the account must be used on or before XX/XX/XXXX in order to keep the account open. Those emails were NOT sent to me and, as I stated to the customer service representative previously, I would have generated activity on the credit card had I been given any notice whatsoever. I then received a phone call from XXXX XXXX XXXX  who told me that she would not be reactivating the account because it's in the card terms that a bank can close an account without notice. She also stated that although it's not required in the card terms, that Citi does, in fact, warn all customers of upcoming closures. Because I was not warned, there is a disparate treatment and discrimination issue that is violating fair lending laws. Citibank employees have also been researching my XXXX and other social media from their personal accounts throughout the investigation of this case, which violates the Privacy Act and creates issues of prejudice in my relationship with the company. Following the phone call with XXXX, I received another email on XX/XX/XXXXXXXX  with repeated false information that emails were sent to me but they are extending accusations towards me that it's my fault that I did not see them. I read every single email I receive religiously, including junk mail. I have a very reliable email provider. Their refusal to reactivate the account after violating my privacy and banking rules & regulations has driven me to submit both an OCC and CFPB complaint in hopes of getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, In late XXXX I had some trouble with making a payment on time for my car loan with Capital One. Realizing how much of a problem this was I reach out to Capital One Auto and at that time I was able to make an arrangement in which the rep I spoke with stated that my credit would not be effected negatively if the arrangement was kept. In XX/XX/2020 I noticed that I had late payments on my credit report for XXXX and XXXX despite the assurances from the rep that I spoke with previously. I contacted Capital One Auto in XXXX and informed of the late payments that were reported after completing an investigation Capital One Auto corrected my credit report for the months of XXXX and XXXX. I continued to keep up the agreement in XXXX and XXXX. My XXXX payment came just a few days late in early XXXX but never reached the 30 day mark. I have recently discovered that Capital One Auto marked me late for the months of XXXX and XX/XX/2020 despite my on time payments. I have disputed these payments with the credit bureau to no avail and when contacting Capital One very little was offered in correcting this issue. 

I also have not been able to log in to the online portal to make payments in a way that would be most comfortable for me. I do not receive any billing statements in the mail and can not see the online statements to properly track my bill despite contacting the company several time to have them resolve this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I opened a Merchant account through XXXX XXXX for my small start up business : XXXX XXXX XXXX XXXX XXXX Tax I.D : XXXX Account was opened by First Data , Mechant ID : XXXX Terminal ID : XXXX Account was set up by XXXX XXXX XXXX A credit card reader was sent to me from a company called XXXX. Upon receiving the equipment my parking software vendor XXXX said : XXXX is incompatible with our system and the equipment was returned by XXXX XXXX using the same box and return label that came with. Equipment was never used, not even plugged in. 

Firstdata account was closed and never used either. Not even one transaction was made and I have never transacted through Firstdata in the past either. 

I continue to receive email invoices from XXXX. When calling XXXX it had changed names to XXXX, XXXX XXXX email address and phone number were disconnected. 

I contacted XXXX XXXX and spoke to XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX at Merchant Services who came back to me a couple of days after saying that the issue had been resolved and there was no active account and no moneys owed due to the simple fact that the account was never used and the equipment had been returned. 

Not only I still get email notices saying that XXXX will be debiting my account for my monthly service but now I am receiving emails from XXXX ( one of XXXX XXXX ) saying that my Business Credit report has a new alert. 

Upon login in to XXXX, which I had never done and looking out for my credit report it said that my credit score is low due to payments late more than 90 days. 

I called XXXX today XX/XX/XXXX and got to speak with XXXX XXXX ( XXXX ) who introduced herself as a supervisor for XXXX ( but her email is firstdata ). After a long conversation she transferred me to customer service at XXXX XXXX 

She is well aware of the fact that I never transacted with Firstdata,  XXXX, XXXX, XXXX and she is well aware that I do not owe any money to any of the mentioned parties and she is well aware to the fact that it is XXXX/Firstdata who have to remove the derogatory remarks on my business credit report as I have never had any business with them nor my business has any credit lines with any other institution either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on XXXX dates ( XX/XX/XXXX ), ( XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and even though Ive provided a police report to Equifax and over 6 disputes since XXXX XXXX, Equifax refuses to remove a fraudulent account by the name of XXXX XXXX XXXX and XXXX both removed XXXX XXXX  within 48 hours of me disputing it along with my police report back XXXX XXXX. Equifax states that XXXX XXXX verifies my DOB, address and last 4 SSN. They have no signed contract or paperwork showing that I ever authorized an account with them and I was told whoever opened the account did so online. XXXX XXXX is now showing closed/ charged off on equifax and has drastically dropped my score and is preventing me from obtaining favorable credit. This is not my account nor did I ever authorize it to be opened in my name. I have filed a complaint with BBB of XXXX and with the FTC. Equifax is violating FCRA and I want this fraudulent account removed from my credit file immediately due to identity theft and they have my police report on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to review an account on my report that has been paid off but is not reflecting on credit report. 

Acct : XXXX XXXX  XXXX : {$170.00} I have paid off balance in full
Product: Debt collection

my information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediately. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXXXXXX Reported balance {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that you remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report.

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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: Checking or savings account

On XX/XX/year> XXXX separate fraudulent withdrawals were made from my Citibank account. 
The fraud occurred at a Citibank branch ( XXXX, NJ ), which I was never at and did not authorize. 
The fraud involved an unauthorized teller withdrawal in the amount of {$5000.00} ( claim # XXXX ) and a SECOND unauthorized withdrawal from an ATM machine, in the amount of {$800.00}, which followed a few minutes after the {$5000.00} fraud. 
The unauthorized {$800.00} withdrawal is referenced as Citibank claim # XXXX. 
Citibank has refunded me for the fraudulent {$5000.00} teller withdrawal, but refuses to refund the {$800.00} ATM withdrawal. 
In support of my fraud claim, I have supplied Citibank with : ( a ) my letter dated XXXX ( b ) Statement of Unauthorized use on Citibank form ( c ) my letter dated XXXX and ( d ) a police report. 
It appears the fraudster was allowed to withdraw {$5000.00} in case AND validate a fake ATM card on XXXX which was used to withdraw {$800.00} from a " checking plus '' overdraft account. Citibank claims the " checking plus '' withdrawal is " normal '', but I have not utilized this overdraft account for approx. 500 days ( according to Citibank branch manager in XXXX NY - near my home ). Citibank 's refusal to honor the {$5000.00} claim, but dishonor the {$800.00} claim makes no sense to me. I will attached the documentation noted above. Citibank has not advised me if they checked any bank video to confirm I was not in the XXXX NJ branch on XXXX. I would greatly appreciate your help to have the {$800.00} ATM fraud refunded. THANK YOU.
Product: Credit card or prepaid card

I contacted Discover Card IT recently when I found out who I believe was a previous roommate who got into my office and opened up a Discover Credit Account under my name and even added my son to the account ( who doesnt live with me to cause confusion ) she also ordered items under my name and so on. Discover card statement zero fraud liability. I have contacted Discover regarding this and spoke with a gentleman regarding this in the Fraudulent Department who also sent me correct information stating that I am not responsible for the account since I never opened it up. They advised me that They closed the account prior to me disputing the account in its entirety because they believe that the account wasnt opened up by me. I received a call regarding the matter from Discover collection states my account is in collections. I am currently being proactive regarding this matter because a reliable coworker had the same problem with Discover and they advised her that she would not be responsible only to find out that another person got there hands on the fraudulent account only to override the previous discussion and corespondents.