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

On XX/XX/2022 I attempted to purchase two ( 2 ) one way tickets from XXXX ( XXXX XXXX ) to XXXX ( XXXX ) airports on XXXX XXXX website for myself and my son to come back home from a long XXXX vacation out West along historic XXXX XXXX I did print from my home computer a confirmation of the tickets purchase, using mty Citicard credit card ( account # XXXX. 

Approximately 3 weeks went by and I had not received my monthly Citicard billing in the U.S. Mail. As you know, the XXXX XXXX XXXX has been experiencing extensive delivery problems for the past year for several reasons. I wanted to make sure my XXXX tickets had been paid for on my Citicard credit card so I called Citicard call center. The male call center employee who took my call told me " No XXXX XXXX, Citicard did NOT pay for those tickets because you do not show a history of periodically purchasing airline tickets on your Ciiticard and the cost was large ( {$730.00} )., therefore our Anti-Fraud software declined to approve that purchase to protect you... we apologize for any inconvenience ''. 

Based on the phone conversation with Citicard call center and relying on that information to be accurate ... on XX/XX/2022 I purchase two ( 2 ) travel tickets from XXXX XXXX using my same Citicard credit car the same passage home from XXXX XXXX. 

It wasn't until XX/XX/XXXX or XXXX that I received on my cell phone ticket reservation and flight information from XXXX XXXX that my tickets were " Active '', and I then realized there was going to most likely be a billing error on my account ( double billing for our one way trip home ). 

I arrive home on Sunday XX/XX/XXXX. I contacted Citicard call center about this problem,, and I have called them several times. They have refused to reverse my charges from XXXX XXXX XXXX, even though we did not travel on XXXX to get back home. 
I have told Citicard Billng Disute supervisors that the billing duplication is not really XXXX 's mistake, but rather Citicard 's because they never notified me by phone that my original purchase with XXXX actually did go through subsequent to my original inquiry. 

I have furnished paper copies of ticket purchase to Citicard two times per their request. There is no additional documentation I can send to them. 

I have tried several times t o get this billing problem resolved by Citicard but they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX and WELLS FARGO BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX  XXXX XXXX and WELLS FARGO BANK with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX XXXX This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration to follow up regarding the persistent presence of fraudulent items on my credit report. Despite previous complaints and attempts to rectify this matter, the fraudulent entries remain unresolved, causing significant distress and financial harm. 

As I have previously communicated, these fraudulent items are not only inaccurate but also detrimental to my financial well-being and reputation. Despite providing extensive evidence and documentation supporting my claims of fraudulent activity on my credit file, it appears that little progress has been made towards resolution. 


I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes decisive steps to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the concrete steps being taken to address the fraudulent items and a definitive timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and pursue legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Equifax : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020 XXXX : XXXX XXXX XXXX  XXXX, AZ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

obvious violations have been done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you remove it immediately Those are your only options before you force your sue.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK account number XXXX was opend XX/XX/2014. I contacted Discover and they send me the info showing the info that was used to open this account. 
one problem is the email is not me and the person used his name in the email address. I was depolyed in the XXXX and had no clue of this issue. 

From discover : Additionally, the account was used for local transactions and several payments were made. It is also noted that the email address and phone number included in your CFPB correspondence, XXXX and XXXX, match the email address and phone number provided on your original application. 

I would like this account removed from ALL credit reporting complanys ASAP.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT FROM XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection remove from credit report and re-inserted. 

Equifax is not follow FCRA 611 ( a ) ( 5 ) ( b ) of notifying me within 5 days of re-inserting item back on credit report.
Product: Debt collection

I had to get an XXXX because of issues I was having and I did not have health insurance at that time. Did it privately and paid in full the amount ( around {XXXX} ) the doctor said it was going to cost. However, a couple of months later ( maybe 3 ), I got a call from the clinic saying I had an open bill with them of {XXXX} due to a XXXX they had not informed me they were doing. I complained the lack of knowledge and the fact that they never mentioned that before, but paid in full too. Almost a year later, I saw my credit score being completely destroyed, when I tried to investigate what was going on, I found out that there was another bill of {XXXX} from an exam that they had done and I was NEVER informed about or nothing. As soon as that came to my knowledge and ran and paid for it. However, they never took that out of my record. That whole situation was a mess and completely unnecessary to both parties. However, they got their money and I still have a wrecked credit score that does not reflect me as a payer.
Product: Checking or savings account

On XX/XX/XXXX I received a text alert from Frost Bank ( my checking account ) stating a scheduled transfer of {$3800.00} was received. I immediately called the Fraud department and advised that I did not authorize this transfer. My account showed that someone had fraudently accessed my account and set up an external bank account and scheduled funds to be transferred. The bank advised I needed to go into the branch and close my account and re-open a new account. 

After visiting bank and setting up new account all money was transferred to the new account except the {$3800.00}. The bank stated it was under investigation. XX/XX/XXXX the bank deposited was they called a " provisional credit '' to my old account and advised it was still being investigated. 

On XX/XX/XXXX I visited the bank again to find out why my money had not been transferred back to my new account. The bank teller stated the investigation was complete and transferred the {$3800.00} from the old account to the new. 

On XX/XX/XXXX Frost made a second withdraw of {$3800.00}. On XX/XX/XXXX I contacted the branch to inquire why my old account had a negative balance of $ XXXX. I was told the investigation was closed but they found no " banking errors '' therefore I would be responsible for the {$3800.00}. I asked the bank representative to provide me with all investigation information ; in particular the IP address that they said the transaction came from and identified as being mine. 

On XX/XX/XXXX I received a letter from Frost stating that if I did not bring my account to current it would beclosed and reported to a nationwide consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2019 we entered into a legally binding agreement with XXXX to begin a Trial Period plan which was required before completing formal loan modification. XXXX provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XXXX  2019. 

After applying for a new mortgage recently we were denied because XXXX reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with XXXX during those months and were following detailed instructions which included making trial payments. In addition XXXX reported different information to XXXX  than they did to XXXX & TransUnion. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and Transunion. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I foun

d one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. The 6th Circ
uit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : XXXX
Product: Checking or savings account

On XX/XX/2022, I received an email from XXXX XXXX notifying me that my Income Tax Refund had been deposited into my bank account and to wait 1-3 business days for it to reflect. 

On XX/XX/2022, I received notice via email that my account with Bank of America had been closed. I followed up with a phone call to gather more information about my account being closed to no avail. I was informed by the representative that my account was closed and that Bank of America has made a business decision to end their relationship with me. I was informed that any pending deposits will be mailed in the form of a check to my home address. 

On XX/XX/2022, I called Bank of America to ask if they had mailed my check and was informed that my account had not been closed. My balance was significantly less than what was deposited on XX/XX/2022. I did not have access to my account as the log in was suspended. When attempting to call the XXXX assistance, I am informed that my account is not an active account number. Bank of America withheld access to my funds, in addition to banking statements, subsequently, missing numerous payments due to the delayed account closure. 

There were a number of withdrawals that were posted after my final pending transaction posted. I believe Bank of America is contractually obligated to pay the difference of those withdrawals as my account 's closure date was XX/XX/2022. I still have not received bank statements from BOA.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries I am writing to dispute the following hard inquiries that appeared on my credit report : XXXX XXXX XXXX, dated XX/XX/year> XXXX  XXXX, dated XX/XX/year> I did not authorize these inquiries, and I believe they are errors. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. The FCRA also prohibits creditors from making hard inquiries without my authorization. 

I have no knowledge of any applications for credit with these companies and did not authorize them to make hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Madam or Sir, I am disputing the information XXXX XXXX XXXXXXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. 

Our last day in the apartment was XX/XX/XXXX and was credited 7 days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us 7 days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. 

Furthermore, if you look at the court document you will see that the eviction case was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. 

I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXX at XXXX. Thank you for your understanding!
Product: Credit reporting, credit repair services, or other personal consumer reports

The monthly reporting of my auto loan with Santander is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported. 

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment. 

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment. 

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX  and XXXX There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX  has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX. 

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX  and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau. 

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX,  however all three bureaus are reflecting 30 days late. 

The amount of 30+ days late reported are not nearly as much/frequent as Santander has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Product: Checking or savings account

On XX/XX/XXXX I completed a dispute on Citizens bank mobile app. The total amount of dispute was for {$460.00}. 

During the morning hours of XX/XX/XXXX I logged into the app and saw a provisional credit was added to my account. Later that day I went to use funds in my account and it was declined. 

I logged into the app and see a miscellaneous charge for {$460.00} which was the provisional credit being reversed. 

I contacted Citizens and was informed my dispute was closed. 

I received a letter ( attached ) dated XX/XX/XXXX stating a provisional credit was applied to my account. Two days later I received another letter stating my claim was denied and the provisional credit would be reversed on XX/XX/XXXX. 

I communicated the error with the bank and nothing resulted from my multiple calls. The bank issued a provisional credit and the same day the provisional credit was reversed. 

Customers should receive notice with a date stating when a provisional credit will be reversed. 

XX/XX/XXXX I received a letter ( attached ) that they conducted a second review and wasnt in my favor. It also stated that provisional credit was reversed on XX/XX/XXXX. My account did not reflect that. The provisional credit was reversed prior to the date on the letter. 


The process with disputes and issuing/reversing provisional credits seems to very misleading and unjust.
Product: Debt collection

Comenity Bank called my cell phone multiple times in one day stating that my XXXX XXXX account was past due. I indicated to the representative that I made the payment and my account was current, which she confirmed. I told the representative that I was in a public pharmacy picking up my medication and that it was not a proper place to continue our conversation and requested for the multiple harassing phone calls that day to stop. The representative continued anyway and stated that she will put a do not call on my account, which I responded I am not requesting a do not call on be put on my account and went back and forth multiple times. The representative then stated that she could not stop the harassing phone calls and I then responded that if the harassment of phone calls did not stop I would obtain an attorney. From that conversation, without my knowledge or permission, Comenity Bank put a hold on my XXXX XXXX card and my XXXX XXXX card in order to hold my accounts hostage even though all payments were current. Today, I spoke with XXXX  from Comenity Bank and she stated that an attorney called into Comenity Bank stating that " he '' represents me and is speaking to Comenity Bank on my behalf. XXXX asked me if I hired this attorney to represent me and when I asked her what his name was she transferred me to XXXX her Supervisor. During our phone call XXXX stated that my XXXX XXXX and XXXX XXXX cards were put on hold due to saying the word attorney in my previous phone call, which I described in the beginning of this complaint. XXXX also stated that my accounts will remain on hold until I mail in a letter to Comenity Bank stating that I am not obtaining an attorney or plan on obtaining an attorney. Then XXXX informed me that he declined to have our phone call recorded due to XXXX 'XXXX   statement regarding an attorney calling in stating he represents me. He then stated that my XXXX XXXX account was charged off and asked me if I want the credit agency 's contact information that bought it. I have also filed a prior complaint regarding Comenity Bank 's collection tactics in regards to my XXXX XXXX account as well, which they have now charged off due to my complaint with CFPB and affects my credit score. I have requested account statements in it's entirety due to the questionable balance and still have not received them. I have attached a screenshot that shows my credit card limit and no spending availability, which affects my credit score. They have also lowered my limit on only my XXXX XXXX, which also affects my credit score.