23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$760.00}.
Product: Checking or savings account

I opened an account online XX/XX/2022. I was able to set up online banking, creating a User ID and password. I added my husband as a joint owner, following their instructions. At the end of that process, I was told his application required further review. We received a letter from Comenity requesting copies of his drivers license and social security card be MAILED to Comenity Bank. We are not comfortable with this option, so I want to add him as a beneficiary only. My online banking access has been blocked. I have called the bank 7 times since XX/XX/XXXX, with no resolution to this issue. Each time, either the representative ( after lengthy wait times and authentication processes ) can not assist me and must submit a ticket to a different department, ( with no follow up ), OR- in 3 instances, the phone call has been terminated by the bank and I have had to call back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Bank account or service

I ( XXXX ) opened a checking account with Bank of the West ( " bank '' ) on their website. I set up an initial account opening deposit of {$500.00} on my credit card ( issued by XXXX ). A few days passed my {$500.00} transaction posted and I have a {$500.00} balance. On XXXX 2017, I received email from the " Bank '' saying my account is closed due to a secondary review. I immediately contacted the bank and was told the reason. I did not argue with them but I asked for money back. A supervisor said they will refund me the money by issuing credit back to my card ( issued by XXXX ). Few days pass I do not see the money. The " Bank '' said they issued the refund and I need to talk to XXXX. I called XXXX and they said they do not see any refund transaction. If there were a refund transaction it will automatically post to my bill. Right now I can still log in the online portal at " Bank of the West ''. It shows I have a valid account but balance is {$0.00}. Basically the " Bank '' took my {$500.00} and never gave back to me.
Product: Credit card or prepaid card

On XX/XX/2021 I shopped at Victorias Secret store ( XXXX XXXX, Virginia XXXX and was approached by sales associate XXXX. XXXX asked me if I have store credit card. I said yes I do have the card. She then asked when was the last time I used it, I said a while ago. She said she could look at my information and reactivate my account so I can get {$15.00} coupon for todays purchase. First she needs to look up my account in the system so she grabbed the XXXX. On the XXXX  I saw her quickly scrolling down to the bottom of the screen to capture my personal information. Little did I know she scrolled down the important part where it says to apply a new credit card. On the personal information, I was asked to fill out my name, date of birth, email. Then she asked me to enter ssn, I was skeptical so I asked why does it need my ssn to look up my account in the system? She said oh its required and it will let her know if Im in the system. While in disbelief I was forced to enter that sensitive information. Again, no explanation or clarification from her on what exactly she is doing ( which is to apply for a new credit card and get her sales without my consent ). I saw her quickly selected the button I consent and submitted the application. The moment she clicked on I consent I caught her and I said hold on I didnt give you consent to do anything, you never confirmed with me what Im consenting to. How could you submit it without my consent? I work in XXXX XXXX  and have applied for credit cards for my clients many times. Each time I make sure I go over all terms and conditions to make sure they understand the credit card product including APR, fees, credit inquiry will occur, etc. And capture their consent when they say yes. This is not how you treat customers with ethic and care. The moment she clicked I consent without my consent, it was too late. The next screen shows Im approved for a store credit card in amount of {$1000.00} limit. Its a hard pull on my credit score and probably can not be reversed ... I said Im confused, I didnt apply for a credit card. She goes oh now you can get coupons. I said I already receive coupons. She said I would just receive more coupons. With this disheartening and deceitful experience, I spoke with the manager but theres nothing she could do to reverse the application ( hard inquiry ). The manager provided apology and coupon. I asked for the corporate phone number and she pointed out the customer number on the bottom of my receipt. I called the number today and spoke to a kind associate who submitted a case for me. According to her the case will go to a special department and they will research this, I will not get correspondence though. As for the credit card, I will have to call them myself to see if it can be reversed. The whole incident damaged my credit score and impression on the company and credit card application system in place within the company. Im speaking out so it doesnt impact more people in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. XXXX, Equifax and XXXX records show that it was incorrect. Since their investigation was done improperly, I need CORRECTION of the following accounts from my file in line Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) of FCRA XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$4900.00}
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Commerce Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program,  which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, one month into the program, I was reported 30 days late to the credit bureaus. I immediately called for help with this situation. I was referred to a supervisor named XXXX, that never returned my calls. To date I have not returned to work, nor has this been resolved by Commerce Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
Product: Money transfer, virtual currency, or money service

Transferwise.com deducted {$970.00} from my checking account on XXXX/XXXX/20 that I did not authorize. I have filed a claim with Bank XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Amount : {$430.00} I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




Delete account XXXX XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have proof that XXXX XXXX and XXXX should be off my credit report. I have a screenshot proving the Comenity account was paid off. I have a screenshot showing XXXX XXXX was taken off my credit. Both screenshots are from XXXX and XXXX sites themselves. Now Im fighting to get this off my credit again. The credit agencies are not doing their jobs. These companies are not validating this debt. Im getting tired.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is continuously violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have disputed this account multiple times and even sent letters directly to them, yet they have failed to conduct a proper and thorough investigation. If they had performed an actual investigation, they would not be furnishing incorrect addresses, such as XXXX XXXX XXXX, XXXX, MI XXXX, where I have never resided. This demonstrates their complete lack of due diligence in verifying the accuracy of the account information. 

I am requesting actual proof that I opened this account. Electronic documents can easily be edited, and stolen IDs can be fraudulently used, making their current verification methods inadequate. XXXX XXXX has allowed dealerships to open accounts fraudulently without proper verification of the consumer 's identity, relying on contracts full of violations that anyone could sign. This is not in compliance with FCRA standards. 

In addition to XXXX XXXX violations, XXXX, XXXX, and Experian are also in violation for continuing to report this account despite the obvious discrepancies and my multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX and XXXX  XXXX  XXXX  Acct XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

I rented a car from XXXXXXXX XXXX XXXX and they charged me ten times the amount I originally authorization. I called and extended the agreement until a monthly rental because I was hospitalized and under treatment. The representative said they took care of it, and It would be {$700.00} ( + ). I now have a charge {$3600.00}. Having a car slightly over a month doesn't equal this amount. I'm on unemployment and I am disabled. I can not afford to be up-charged and can't risk ruining my credit. I am disputing with Capitol One and need advocacy, or I will not be able to get my meds, eat or perform other essential tasks.
Product: Debt collection

They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX
Product: Credit reporting or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my credit report per the agreement with the creditor. This account was paid in full on XX/XX/2020 and should have been deleted when account was paid satisfactorily. I have attached the PROMISSORY NOTE AND SECURITY AGREEMENT ( WITH ARBITRATION CLAUSE ) for your reference.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PORTFOLIO RC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX  Police Dept.I need this collection account to be removed from my credit  report.PORTFOLIO RECOVERY ASSOCIATES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card

On XX/XX/2023, my JCPenney 's credit card limit was {$4500.00}. XX/XX/2023, I noticed on my credit report that they decreased the credit limit to {$520.00}. There was no balance on the card. The card was going to be use for wedding purchases. This also affected my credit score. Because of this, I want to be recompensated.because did nothing wrong except to use my credit wisely.
Product: Credit card or prepaid card

Calls made last month to a customer agent XXXX. Three calls made this month to other agents. One in person to a branch in XXXX XXXX. Subject : Disputing a late fee of XXXX XXXX dollars when expected time of refunds were not posted to the account to balance off the payment due on the XXXX. Calling the bank last month for the same issue informed me that before I can dispute a late from posting it needs to be posted before I can dispute the late fee for refunds of returned products. Since the products were not refunded on time when payment was due to the credit card company caused uninformed lock out from my account and charged the late fee to their advantage. They did not inform me of withholding the fee and out of discretion held refunds against my account to charge a late fee. In question to reverse the late fee I spoke with a supervisor that will not remove the late fee and had explained the circumstances of returns being refunded late and will post by the end of this week. He told me only one reversed late fee applies to the account once a year, so why was I not informed by the last representative advising me that I would only need to call in if returns were not posted on time and when the late fee was charged, why she did not explain that one reversed late fee was already used .Calling in today was informed that they closed up the account without my knowledge. This is disrespectful, and have displayed arrogance and rudeness towards my family and I in the past as an account holder for the past twelve years.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased XXXX XXXX XXXX concert tickets from XXXX for a performance that was supposed to take place on XX/XX/XXXX. I purchased tickets for a specific date and time that worked for my family and I. This concert was cancelled for my purchased date due to the COVID-19 issues. 

I called XXXX within the hour after the band announced the cancellation to obtain a refund. They were unwilling to give a refund saying that the concert will probably be postponed. To date a rescheduled performance has not been announced. You can verify this by going here : XXXX XXXX   XXXX Under " RESCHEDULED EVENTS - NEW DATE CONFIRMED '', XXXX + XXXX is listed but there is no date. Even if new dates are announced, I purchased tickets for a specific concert on a specific day. 

XXXX is the only company that has not refunded me for items impacted by COVID-19. I had a rental car setup for this trip and even though it was " non-refundable '' they were the first to refund me. The hotel I was going to be staying at also gave me no trouble with a refund. I had " non-refundable '' tickets for XXXX at the XXXX XXXX and they refunded me with a simple email. Same for my airport parking reservation. 

XXXX has misleading and deceitful policies. It is such an issue that they have just been hit with a {$5.00} XXXX class action lawsuit for failure to refund ticket holders during this pandemic. No company should be able to withhold a client 's money because their business model is flawed and they " might not survive this '' financially. You can very this here : XXXX : XXXX I opened a dispute with my credit card company, Citi. They investigated but sided with XXXX and reversed the conditional credit I was issued. I have been a Citi Card member since XXXX and am disappointed in the way they handled this case. Citi never asked for documentation about what happened. Citi never asked for my side of the story. Hold times to reach a representative is over an hour. I charge upwards of $ 5000/month on this card. Apparently my business and XXXX credit score means nothing to them. 

I am asking that Citi credit me for the purchase at XXXX. I use this credit card because of the supposed consumer protections I receive when doing so. Right now they are non-existent. I wish to remain a loyal Citi Card customer. Please do the right thing Citi.
Product: Credit reporting or other personal consumer reports

One Main Financial made hard inquiries on my consumer report with no specified reason on XXXX & XXXX. Did I give them permission? Absolutely, not! This is Aggravated Identity Theft pursuant to XXXX XXXX. One Main Financial transferred, possessed, or used, without lawful authority, a means of identification me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.