23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX 2017, I purchased a US Bank Prepaid Mastercard from XXXX in XXXX, CT. I loaded {$500.00} on the card at checkout. On XX/XX/XXXX, i went to check the balance on the card and the transaction history showed the card had been used in Texas at a XXXX and a XXXX. The entire balance had been drained from the card. I contacted US Bank at the number on the back of the prepaid card and was told to fax in certain information, which I did. A copy of that fax is attached. After hearing nothing for approximately a week, i called back. I was told that they had received my fax, and that the Disputes department had determined that the charges were fraudulent, and that i could speak with the Disputes department if I wanted more inforamtion. I waited on-hold with the Disputes department for approximately 45-minutes. On that call and subsequent calls I left a total of 3 messages on the Disputes department voice mail. None of those calls has been returned, even though they say they will contact you within 48-hours. On my fourth call, the frontline CSR told me they they had to wait for the retailers to do a chargeback, and they had until XX/XX/XXXX for that to happen, but that she could send me the replacement card now, and US Bank could load money to that card when they were finished with their process. I received the card with apprximately {$20.00} on it. XX/XX/XXXX came and went, and no further money has been loaded to the card. I have now been without the money I funded to the card for over a month. I called again after XX/XX/XXXX and was again directed to the Disputes department where i left my final message. Once again I received no phone call nor other response to that message.
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , delete, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts as mentioned above, collections, or hard inquiries as reported. The accounts as mentioned above, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts mentioned above, collections, and hard inquiries result from identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I reached out to capital one to advise them of an charge that had taken place on my account. I was told by the merchant that has caused the pending transaction that it could n't be stop and I should reach out to the card holder directly. Which landed me with the rudest off shore agent I had EVERY encountered named " XXXX '' XXXX. He did n't attempt to help me at all when asking questions he repeated the same dialect repeatedly. I asked that he please not say the same thing again and thats when it started. He said that I was n't listening and if I payed attention their was nothing he could do. While I was talking he continued to talk and when I got louder so did he. He was yelling and I said that you dont get to yell at me I am the customer. He in return advises that I was talking loud so, so could he. He continued to rant as I advised him of his horrible service and the fact that he was being very unprofessional. He said I can talk to a supervisor because they are going to do and say the same thing basically. After I advised the agent of how disrespectful and nasty he was he said thank you so much ma'am for that, and anything I said after he was purposeful attempting to get a rise out of me. I could n't believe this was happening so then I made the suggestion he get the supervisor as he mentioned before. When I was transferred I still was in disbelief of what just occurred. I had never felt so disrespected by any company and truthfully felt like my account was in jeopardy because this guy had access to it. I told the manager of what took place and she attempted to help but with no true resolve, I told her that I was going to immediately close my account and dissociate my self from the company solely on the actions of the rep which did n't seem to really concern her. My dispute was finally opened when I continued to reach out to the company and I continue to express the fact that once this is resolved and completed I will be closing this account. It does n't really seem to matter much to anyone I speak with there which is why I cant believe Capital One stands for agents like this. They advertise the fact that they are suppose to care and have your best interest in mind however I see that 's only unless you need them to correct an action. Highly disappointed.
Product: Credit card

Bread Financial / Comenity Capital Bank for IKEA Projekt Card Customer service number provided for issues : XXXX XX/XX/XXXX : Requested for a replacement credit card as previous one was lost Sometime between XXXX and XX/XX/XXXX ( can't confirm date due to online mailbox not having access right now ) : Messaged on the message center for a new card since I did not receive it yet. Message back told me that they could not issue a new card due to " technical issues '' and had to call. 

XX/XX/XXXX : Still have not received replacement card, called again to request for a new one like the message told me, and customer service agent told me there was still a " technical issue '', no other reasoning and card could not be replaced yet. Said a " ticket '' would be put in, no reference number and that someone would get back to me. 

XX/XX/XXXX : Not able to log into online account portal, account access was lost. Not able to get the " Unique ID Code '' sent to my phone number or email because it said " none found ''. Called again, customer service agent at the time was able to send me a new card, account could still not be accessed. Also said a " ticket '' would be put in and someone would get back to me. 

XX/XX/XXXX : Two credit cards arrived in the mail, both with same credit card number. Could not activate either of the two cards, called again. Customer service agent told me that the two were canceled because there was a third replacement coming in. Still no online access, was escalated to a supervisor. Supervisor told me that there were in fact no " tickets '' put in for my account log in issue before and they could NOT put one in until they tried all the steps of their troubleshooting ( removing/re-adding phone, number/email, different URL, etc. ). Supervisor told me that the last step in their trouble shooting process was to delete the online account access and reregister when I get my new card. 

XX/XX/XXXX : Received new card, was able to register the card and activate. Was able to register my online account, but when logging in it asked me for the " Unique ID Code '' again with no email address or phone number found. Called customer service again, first agent ( XXXX, Employee ID number ending in XXXX ) told me they already tried everything and could not do any more, told me the website was down for maintenance ( no message banner on website or at any time since this started that there was maintenance ) and that there was no ticket system. Requested for supervisor, repeated to me again that they could not do anything and transferred me. 

Supervisor ( Employee ID number ending in XXXX ) told me that the previous agent ( XXXX ) was misinformed and that they did have a ticket system. Supervisor told me that she will be putting in a formal complaint, and that the previous agent did indeed put in a " ticket ''. No reference number could be given for this she said. Was told that someone would reach out to me, but past 3 contacts to customer service prior to today no one has reached out to me because a ticket was not placed and my request was not taken seriously.
Product: Checking or savings account

Citibank is engaged in deceptive advertising for opening new checking accounts. 

They mailed a flyer stating if you open a new checking account and maintain the balance for 60 days they pay you a bonus based on your deposit tier. 

The details which are buried in fine print states they don't count balance days until after 20 days and then reserve an additional 30 days to pay out the bonus. Additionally you must keep you account open until the bonus is paid, so in effect if you open and deposit the same day as I did, they are holding your funds for 110 days ( XXXX ) before you get the bonus. 

There is no technical reason why they couldn't automatically pay bonuses on the XXXX day of the required balance. These gimmicks are intentionally deceptive to catch consumers off-guard and tie up funds for 110 days all the while claiming " 60 days ''
Product: Mortgage

I received a text from a company saying that my mortgage was in default and I was at risk of foreclosure. I currently have my mortgage in deferment with my mortgage company. 

I called this number XXXX to verify the situation. I spoke with XXXX XXXX - XXXX # XXXX. He asked for my loan number, which seemed odd. He also asked for my date of birth. 

He offered me three options - continue with my deferment in which I would lose out on the special opportunity for a mortgage amendment, or take a mortgage amendment at a lower interest rate, or refinance my mortgage. I asked about the mortgage amendment.

He brought me a new offer of 2.75 %. I was asked to make three trial payments in order to make the amendment permanent. The three trial payments were not to be paid online to my mortgage company and they would not show up on my account. 

He asked that I go to a nearby place to wire transfer the first payment for cash. I told him that I couldn't leave my house at this time, he tried to set me up with an account at XXXX XXXX to send the money. 

He became very pushy and I was uncomfortable. I told him that I wasn't going to do anything today and I would call back. 

He told me that the offer was only good if I took it immediately. He kept telling me he was recording my consent to the offer and he was from my mortgage company. 

I was almost convinced and almost sent the money. I did some online research and found some fraud reports for this phone number. I decided to report it instead.
Product: Vehicle loan or lease

I was a victim of Identity theft and sent XXXX over a copy of my police report and Identity theft report and they keep reporting this to the credit bureau.
Product: Debt collection

I was served with court documents last year. I believe it was around XXXX of 2020. I was asked to respond by a certain date in which I did. When I got to City Hall, I was asked to write a respond and in the response I documented I was a victim of fraud. Midland Funding is the plaintiff. I did not hear anything else for over a year and was sent a not from an attorneys office saying my salary will be garnished for payment. The amount is {$1100.00}. After I said Im a victim of fraud and I have no idea where that account came from, theyre garnishing my check every two weeks in the amount of {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX the company ClickLease, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, United States, ( XXXX ) XXXX, has been attempting with my authorization to complete a " Soft Pull '' of my Experian Credit Report. They have continually reverted to me with the following message ; 1. You may have a freeze or lock on your Experian credit profile. Please check with Experian to see if this is the case.

2. If there is no freeze or lock on your credit profile then there is most likely a typo in your personal information on your application. To resolve this please contact XXXX customer care at XXXX. 

Since that date I've been in multiple telephone conversations every working day with Experian because in fact there is no freeze, lock or any type of inhibition which would prevent an authorized potential creditor from completing a Soft Pull on my credit file. XXXX, has reached out to the technical department of Experian and they have created the following case file # XXXX I hope that you acknowledge therefore my just and fair frustration and anger that Experian has placed an unauthorized " Hard Inquiry '' on my credit file! I state that Experian alone is responsible and not XXXX because the latter did not request a Hard Inquiry be made on my credit file, nor did XXXX have my written authorization to perform a Hard Inquiry on my credit file has is required by the Fair Credit Reporting Act! 

I have raised this issue with Clicklease directly, however, they have not yet even had their original case file resolved, nor have they received the information from the Soft Pull or the Hard Pull! While XXXX will contact Experian concerning the Hard Inquiry, I as the consumer who's credit report now has an unauthorized hard inquiry on my credit report am adversely impacted has my credit score has dropped by three points and should I wish to approve an authorized and legal hard inquiry my probability of successfully achieving my goal is mitigated by the unauthorized illegal hard inquiry placed on my credit file due to Experian 's negligence!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts Ally Financial XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

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

I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX   : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Checking or savings account

On XX/XX/24 XXXX XXXX of PNC bank placed a hold on my XXXX  account. I was advised that it was being placed due to issues with my intitial business documentation being uploaded into their system. I knew this to be false due to the fact that XXXX XXXX had verified all of this documentation at the time of the account opening. I continued to oblige the discriminatory requests even after the branch was holding funds after completing a deposit verification not only verifying the funds had cleared my vendors account but also after verifying I was the correct vendor due to be paid. It is now XX/XX/24 I have not only supplied all requested documentation to include a certified/notarized business registration documentation from the secretary of state but in addition I have re-supplied all personal identifying information to include my passport, yet my account is still on hold. i currently have an executive relations complaint and even the representative XXXX XXXX has been unable to find resolve in working to open my account after personally verifying all documentation. Communication is being deflected back to the XXXX XXXX contact however she never answers or returns calls for myself or the branches I have enlisted help from. The XXXX XXXX  then placed a hold on an additional account I have opened without explanation following notification that this executive complaint was filed. The conduct of involved parties directly responsible for placing these holds is not only discriminatory but unethical. they have prevented me from completing payroll in a XXXX  manner for my drivers and caused extreme distress and worry as I am looking to conduct business. something needs to be done about this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Department of EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a 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: Vehicle loan or lease

On XX/XX/2023 around XXXX I came across Lendingtree.com from looking up " refinance my car loan '' on XXXX XXXX I fill out an " application '' ( later the representative called it application but on the website they marketed as " answer a few simple questions '' ). As soon as I filled out my " application '' I was spam called, emailed and text message. The company calls me about every XXXX and would not stop. The calls continued from the next morning XX/XX/2023 from XXXX to XXXX after I told TWO different representatives to STOP call, email, or texts me. As of right now, I am very distressed and worried because I asked the representatives " XXXX '' and " XXXX '' if they had run any credit report on me and they both said NO, but I later find out that was a lie. The company pulled my credit report which is definitely harmful to my credit score. Also, they did not ask for my social security number nor my consent to pull my credit report on their website and I specifically told them not to. I became nervous so I look up the company name Lendingtree on XXXX and I am not the only victim to this unethical company. Everyone had the same experience as me which is they would not stop calling you, pull your credit report and ruins your credit score without your consent. We all thought we were getting free quotes for our loan but there was multiple hard inquiries from differ companies that we never authorized. is very unacceptable and can't help to feel like a scam and also a violation of Privacy.
Product: Debt collection

CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

reporting agency block all of the accounts, collections, and inaccurate address Here 's the updated statement with your latest request : Consumer Name : ( Strawman Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information includes : XXXX XXXX XXXX XXXX # XXXX Nr/SMS Cal # XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize these accounts, collections, or the address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. These accounts do not link to any of my previous or past addresses listed on my credit profile. 

I have attached a list of the hard inquiries in question as well as a copy of my consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and the information below which appears on my credit report is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXm fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.
Product: Mortgage

I have a reverse mortgage that is now all used up. The interest rate I am being charged is supposed to be based on the LIBOR but is, so far as I can tell, higher. When I 've written to the company ( Reverse Mortgage Solutions ) to complain, they say the rate is based on the XXXX XXXX XXXX published rate. But that rate, as I understand it, is, in fact, the LIBOR.
Product: Credit reporting or other personal consumer reports

I never took out a loan with XXXX XXXX. I have no knowledge of what that is. It shows realestate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.