23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$14000.00}, but am unable to get my money back due to CitiBank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with CitiBank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. CitiBank has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with CitiBank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. CitiBank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. XXXX XXXX XXXX XXXX is forced to cease operation in Delaware. XXXX XXXX XXXX XXXX faces class-action lawsuit in GeorgiaXXXX XXXX XXXX XXXX AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on TransUnion and XXXX please remove XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and XXXX please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from PORTFOLIO RECOVERY ASSOCIATES ( PRA ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. PRA claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of 1099-C, cancellation of debt and the 1099-OID Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or PRA to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card account was opened in my name fraudulently. XXXX XXXX Bank refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.
Product: Credit card

They stated that for ME only this balance transfer was blocked. They refused to say why they have been steadily cutting down my credit limit each month and are refusing to honor purchases. These were not the original terms of agreement and they can't keep changing terms without notification and discriminating on me personally. I am a XXXX that can't afford to keep paying their disgustingly high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXXXXXX, I was pulling my daughters credit report to make sure that it was ok because her car was giving her problems and we were looking to purchase another one. Upon pulling her credit, I found that there was a car on her credit report that was not hers. I reached out to the person who cosigned for the car and let her know what was going on. She stated that she would get it taken care of. Once I got ready to reach out to her again, I could not get in contact with her. I made a police report in XXXX to document everything that was going on in attempts to get it resolved.. I then pulled my daughters credit report again this year ( XXXX ) and the car was still there.. I reached out to the cosigner again and she gave me issues. Reached out to the police department and they stated there was nothing to be done because it didn't seem to be a criminal act. The car lot failed to do the necessary verification to make sure that the person they were running the credit for was the person buying the car.. The individual who got the car in my daughters name has the same dob, similar name and social.. I have yet to get this issue resolved and having to put more money into a car instead of being able to buy her a car. The dealership that this happened at is XXXX XXXX in XXXX, Alabama. And the finance company is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Experian, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Product: Checking or savings account

PNC is restricting me from transferring funds into my XXXX App.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The bubbles provide did not accurately describe my problem. I believe Comenity Bank/VCTRSSEC illegally accesses my credit report. Not only did I NOT apply for a line of credit them I did not supply my SSN # nor did I give them my DOB. Yesterday XX/XX/2021 ) I was shopping online I bought 1 item from Victoria secret ( VS ), at checkout I supplied payment with my personal Visa and completed my purchase. About 30 seconds after my purchase I received an email from my credit monitoring service that Comenity Bank/VCTRSSEC attempted to access my credit? Per my credit monitoring service they told me to contact that bank, so I did. Upon calling I was forwarded to the fraud department. I explained what just happened and the rep. said he needed my SSN to look into it. I told him that I was not going to supply that to him, could he look under my name since that should be on file if someone tried to open an account under my name. He told me NO and that I probably accidently clicked something to apply. I told him that would be impossible since I would have to supply my SSN # and DOB and agree to the card and agree to have my credit pulled all of which I did not do. I have shopped with VS online many times before and never had an issue, but the fact that my credit was pulled within 30 seconds of checking out with VS I believe this company is using illegally obtained information i.e. SSN # Dob etc how else would that have that information? I have NEVER had a VS card or any other clothing store cards. I would have though maybe someone was trying to use my SSN if it didn't happened so quickly after my purchase. Also after looking at some stories online I found that this bank has a history of opening lines of credit that were not solicited and the people have no idea how they obtained their personal information. My personal information has been breached a few times so its possible this company has illegally obtained my information from one of these breaches and once they had confirmation of my name and address they linked me and tried to open a line of credit. This is very serious and the fact that they told me they needed my SSN # to look into it and suggesting that I might have accidently applied is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX CHILD SUPPORT Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Debt collection

Halsted Financial Services, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX. They bought this originally from XXXX XXXX XXXX. This company continues to sell this account to these different companies and they all continue to harass me everyday. The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). I have also reached out to this creditor to inform them to cease all communication with me. 15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XX/XX/2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted XXXX, Wells Fargo, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my XXXX  report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from WFDS Wells Fargo Dealership Services. Which Wells Fargo Auto confirmed they stop using 3 years ago. It also is being reported on my XXXX  credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and WFDS inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.
Product: Credit card

I went to XXXX to have my pearl necklace strung with silk and a XXXX yellow gold clasp. When I got it home I could not get it on so I took it to another jeweler who said it was not XXXX yellow gold but gold filled. I was so hurt. You ca n't tell if it is what you asked for unless it is appraised. I did everything she asked for and I even gave her {$390.00} up front as half of what she asked for even before the work was done. That is not customary. Then I gave her the other half {$390.00} when I picked it up. I disputed it with the Credit card company J.P.Morgan Chase they took off one XXXX then they returned ( 2 ) payments of {$390.00} even thought they only took one off my account. That was so mean when I sent them everything in writing and the picture from the other jeweler. I closed the account. I now owe them $ XXXX.- {$780.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

I had just received a response from Dovenmuehle regarding incorrectly charging me for two insurance policies and increasing my monthly payments from XXXX to XXXX and change. I dont understand why they have now changed my monthly payment from XXXX to XXXX for 12 months. They claim I have a shortage in my escrow which is true since requiring to get windstorm insurance and then paying the XXXX insurance out of my escrow. But increasing my monthly payments by XXXX for 12 mths because of a shortage of XXXX, doesnt make sense!! I demand to know why I am being charged this amount for 12mths! I have attached your last explanation and its incorrect. You stated the increase is only XXXX. Clearly you dont know Basic math!! Please see attached documents and explain to me how you can justify this increase of XXXX for a year!! Why dont you allow us to make the payment to my escrow for the shortage?? You are criminals! Escrow fraud!!
Product: Checking or savings account

XXXX up until XX/XX/year> the payments that was made from a company was debited on those day plus I was recharged in XXXX for those same payments to the store that I made purchase with. I tried contacting cash app by chat and was told that the system was down in between those two months of transactions so they had to recharge my account and payment was taken out again in the month of XXXX XXXX customer service was supported.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did you validate my signature to confirm my contractual agreement? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXXXXXX XXXX { XXXX } This account shows three late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX } REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX XXXX. My current employment info XXXX XXXX, Owner, XXXX, Oregon XXXX 5. Social Security XXXX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX