23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

referred two accounts, but haven't received the bonus promised. Opened an ticket ( XXXX ) with them and they told me that I was eligible to receive the referral bonus, but after several months, nothing received ... Contacted them again, their CSR and supervisor just told me that ticket had been closed and they couldn't do anything now.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 ( section 6 0 4 a section 2 ) states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the item was never mine, they never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account permanently : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian, XXXX, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXX patrolman 's fcu ) {$1800.00} XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every day I receive email from Experian, addressed to a person by the name of XXXX who I believe has stolen my identity to open accounts that I've already disputed with Experian. It is apparent that Experian allowed a person by the name of XXXX to open an account with my email account to even monitor. I have 250 emails addressed to XXXX in my email. There is an account number also associated with this Experian account. I complained to Experian via phone and mail. Experian comes back with accounts verified ignoring my complaints.
Product: Checking or savings account

I went to the bank on XX/XX/2022 to ask for a void check to take to my work to use direct deposit ... and the employee gave me someone else 's void check... I don't know how that happened and why I gave him my driver 's license... this happened at the US Bank branch at this address : XXXX XXXX XXXX XXXX XXXX, WI XXXX. I became aware of this situation because this weekend I received a check stub with other direction
Product: Debt collection

I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!
Product: Debt collection

Ask Discover Card for a settlement however they couldn't come up with a solution for me. I only received XXXX and that very limited income. 


Also, I would like to know when it was charge off, age of the account on company letter head. 

If its collectible would like to know what settlement offers available.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite my previous request to remove these fraudulent items, I regret to inform you that they still remain unresolved. As a result, I am reaching out once again to request your urgent assistance in rectifying this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/2020, I was notified of a collection entered on my credit report in the amount of {$490.00}. 

I did not recognize the charge. I have been a victim of identity theft in the past. 

I disputed the charge and the dispute is in progress. 

Today, I was notified that the collection was put back on my credit report. The collection agency did not respect that the dispute is in progress.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As such, I request that the accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are a result of fraudulent activity. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$8400.00} XXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3500.00} Fraudulent Inquiries : XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
Product: Credit card or prepaid card

In XX/XX/XXXX, Wells Fargo posted on my XXXX XXXX billing statement that my 6 month 0 % apr promo period was ending. My account was created in XX/XX/XXXX with a 1 year promotional billing period. When I submitted a complaint to Wells Fargo, they acknowledged an error and said that my promo period should have in fact been valid until XX/XX/XXXX. According to the policy on the back of the bill, if you submit an error to Wells Fargo, and they determine they were wrong, you will not pay any interest or fees on the amount questioned. Regardless of this policy, in XX/XX/XXXX I was charged an astronomical interest fee, at which point my {$200.00} balance reflected a {$140.00} interest fee. When I contacted customer service, he indicated that this is the interest on my amount owed in XX/XX/XXXX when my promotional term expired. I informed him that my promo term expired in XX/XX/XXXX, not XX/XX/XXXX, and that was an error I had previously disputed with Wells Fargo, so I should not have interest at all. He continued to assure me that the amount in question was correct, even though the amount which reflected an interest payment ( XXXX ) was never indicated as an amount owed at any time in my billing history. There was no further explanation on the bill. The rep then proceeded to calculate various numbers to find where a {$140.00} interest charge would come from, but he could n't pinpoint an amount that would yield this interest charge. He stood by the fact that the bill was correct, despite the fact the amounts were so deceptive that he could not even explain it. He then pushed the Average Daily Balance as the reason for my interest charge, claiming I was charged interest on my average daily balance for the previous month, but instead of explaining this to me, he continued to say it was too complicated for consumers to understand how they calculate how much they owe. I requested this complicated algorithm, because as a consumer you have a right to know what you are paying. Evidently, these things are so deceptive, it is a secret. According to the billing error policy, I should not have interest at all, yet Wells Fargo is attempting to deceive me into an extra profit for their company. I have written a letter to complain about my interest charge, since it should be {$0.00}, but have not yet received a reply.
Product: Debt collection

I have repeatedly asked for an itemized list of proposed amounts for which a default judgement was issued. I filed a motion to set aside but the judge denied because I submitted it in less than 30 days and more than 10. I informed creditor that I was unable to attend due to living in another state and having children in school. On XX/XX/year> I requested an itemized listing and they provided me with someone else 's information and not mine. I requested again on XX/XX/year> and received no response. I requested again on XX/XX/year> and was only provided w a balance on XX/XX/year>. I requested again on XX/XX/year> and received no response. They have already received a default judgement for amounts that I do not owe and was unable to defend myself or seek to set aside due to my lack of funding to hire an attorney. All I want is an itemized list so that I can see what they are charging me for because the amounts they originally tried to say I owed increased substantially.
Product: Debt collection

Hi, This is in response to your reply regarding claim XXXX XXXXXXXX ( please find your response attached ). 

I would like to clarify that, in addition to the Identity Theft Report, I also provided a Police Report and proofs that I was not in the XXXX during the years XXXX. 

While you confirmed that the debt collection process had been stopped, I noticed that an inquiry was made on my XXXX account on XX/XX/scrub>XXXX. This occurred after your assurance that the debt collection process had ceased. 

Could you please explain the purpose of this inquiry and clarify what information you were seeking? 

P.S. 
I also want to emphasize that Citibank has never responded to my previous complaints. Hopefully, this time they will address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I did not receive the {$500.00} bonus as advertised for opening and maintaining my Citibank checking account. A Citibank representative I spoke with on the phone said that I met all the requirements in order to receive the {$500.00} bonus, but she claimed that a promotional code was not applied to my account upon opening. I opened my checking account online using Citibank 's promotion website link on XX/XX/2019. I deposited {$15000.00} into my account on XX/XX/2019 and maintained at least this amount for 5 months and continuing to do so. An error in Citibank 's part should not exempt me from receiving the bonus. Citibank should honor the bonus for their new customers that meet all requirements.
Product: Credit reporting

Tried to open a credit union account in XXXX, Ca - was told that there was a freeze placed on my social security number in relation with my credit due to a fraud alert which I did not submit but which was submitted through experian using my information. I called experian to have the fraudulent freeze removed only to be told I was not allowed to access the information because I was not the individual who initiated the freeze and was hung up on by the agent after being offered to pay {$300.00} to join a program to eliminate debt. I acted with integrity and was told I was not allowed to access my own information by and through experian. I now can not do anything with my finances because of this fraudulent freeze placed by someone other than myself but who used my social and clearly enough information to successfully place a freeze on my social and credit profile. I demand to know the IP address or mailed submission which initiated this claim and I demand to have the recorded phone conversation I had with the experian agent who illegally denied me access to my account and the possibility of removing this fraudulent claim thereby making my financial situation unlivable and extremely traumatic. I also demand this fraudulent freeze be removed IMMEDIATELY and that I receive the information of all the responsible parties previously mentioned as I am seeking legal action to the fullest extent. 

I can not attach any relevant documents regarding my credit or this freeze clearly because of this fraudulent activity as I was and am now denied access to my OWN credit information and specifically this erroneous freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXX XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. 

In my complaint nowhere did I ask if XXXX XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. 

My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. 

Yet TransUnion created a report, made that report public, where the report stated I was delinquent. 

Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 disputing the account with Calvary Portfolio Services, account number XXXX, which has been reported on my credit report. I have taken several actions to resolve this matter, including : Contacting Calvary Portfolio Services by phone and mail to request verification of the account information and the purchase agreement showing full ownership of the account. 
Sending a certified letter to Calvary Portfolio Services, exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires creditors to provide proof of the debt 's validity. 
Despite my efforts, I have not received any verification from Calvary Portfolio Services. As such, I believe this account does not belong to me, and it should be removed from my credit report immediately. 
This account 's presence on my credit report has prevented me from applying for a mortgage to purchase a home for myself and my children, leaving us homeless.
Product: Debt collection

I became victim of identity theft. 
I started receiving statements from Klarna showing I established Credit Line on XX/XX/XXXX. I thought it was a mistake however I continued receiving statements showing additional penalties and interest. I contacted Klarna customer service XXXX XXXX in XX/XX/XXXX to let them know I never established this credit line. The representative was not even able to find my account but assured me there is no problem. However, I continued to receive statements with more penalty and interest charged by Klarna. I contacted them again and was not getting qualified help over the phone. I asked them to provide information in writing. 0n XX/XX/XXXX XXXX replied from XXXX. We went through a few back and forth emails, finally XXXX wrote " account will be closed and all details deleted ''. I asked confirmation statement showing I don't owe anything. Shortly after, I received another email from XXXX  ( Service Center Agent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX klarna.com ) stating Klarna needs to confirm a few details with me. I received another email from XXXX XXXX ( Service specialist, Klarna Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX ) stating he submitted my claim to account specialist. The next day XX/XX/XXXX, I received another email from Klarna do XXXX stating they will be working on my inquiry and to not contact them again. I have not heard from them since. Meantime, I received another statement with more interest and penalties posted on the account. I sent XXXX XXXX email asking for progress on my case and to let me know whom I can speak with. I have not heard back. Klarna is not making any progress in resolving the identity theft issue and is charging me more and more interest and fees.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TOTAL XXXX  for potential violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and unfair debt collection practices. 

I previously disputed an account with XXXX and XXXX, which resulted in the deletion of the account from my credit reports due to lack of verifiable evidence provided by Total. 

Despite this, TOTAL XXXX has continued to disregard removing the account associated with my my Social Security number and identification in an apparent attempt to remove the matter without a valid legal basis. 

This action is highly questionable under FCRA 611 ( a ) ( 5 ) ( B ).

TOTAL XXXX has also failed to provide a written explanation of their request and has ignored my demand for verification. 

Applicable Violations : Unfair and Deceptive Practices : Requesting my personal information after an identity theft ruling appears to be a violation of FCRA 1681s-2, which requires furnishers to report accurate information.

Potential Privacy Violations : Demanding personal identification following an identity theft claim may violate my rights under CFPB and FTC regulations.
Product: Credit card

On XX/XX/year> I contacted PayPal about a incorrect late fee charge for the month of XXXX. I filed a complaint and provided proof that the payment was made on time and they choose not to reverse the late fee charge. My monthly payment is due on the XXXX of every month. I made the payment for XXXX on time XX/XX/year> and PayPal posted the payment 3 days later and charged my account with a {$34.00} late fee. I made my payment for XXXX on XX/XX/year> and PayPal has also posted that payment 3 days later XX/XX/year> and I'm sure a late fee has been assessed once again. My question is how can PayPal charge a late fee for on time payments? It's not my fault that they choose to post the payment 3 days. later. This seems to be a on going practice with PayPal and it needs to be addressed. I informed PayPal that the payment was indeed paid on time and my account should not be assessed the {$34.00} late fee. I asked PayPal to reverse the late fee charge and provided proof but they still refuse to reverse the late fee charge. It seems that they are trying to make more money off the consumer by assessing these incorrect late fees and it needs to be addressed and stopped. UNFAIR late fee charges need to stop.