23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a Chase XXXX XXXX for a number of years, their statement/website shows an interest saving balance and explains that if that figure is paid each month you will avoid interest. For a number of years I was enrolled in their auto pay program that automatically paid the interest saving balance each month, I have since disenrolled from that but they do offer an automatic option to pay the interest saving balance. My statement from XX/XX/XXXX due on XX/XX/XXXX had an interest saving balance of {$16000.00}, after the statement was issued I received a refund of {$650.00}, the website showed both the credit of ( {$650.00} ) and a reduced interest saving balance of {$15000.00}, when you click on " pay card '' on the website it gives you the option to pay the interest saving balance ( which reflected the same {$15000.00} figure ) the entire balance or " other. '' I in good faith clicked on the first option that is interest saving balance ... keeping in mind I have done this consistently for years. When I get my XX/XX/XXXX statement I notice that I was charged interest, I called & inquired as to why and was told that since the interest saving balance on the paper statement was not paid that I did not pay enough to avoid interest. I questioned why the website and payment screen gave me the lower ( post credit ) number and indicated that was the interest saving balance if it was not enough? I was met with alot of excuses and she kept going back to previous months. I also noticed that the interest saving balance listed on my XX/XX/XXXX statement was {$2000.00} but the interest saving balance listed on the website/payment screen is {$1200.00} ... .so again for the XXXX ( that i know of ) month in a row the interest saving balance on their statement does not match what shows in my online account or on the payment screen when you click pay card. I asked her did she think if I was making a payment of {$15000.00} I wouldn't have just paid {$650.00} more ... .except that I in good faith went with what their screen showed me and trusted that it was accurate. It has proven not to be, I have other credit cards and never have had there be a different interest saving balance from the statement to the web account/payment screen. I think that this is a very misleading practice, she asked did I even check my statements because I needed to. I obviously do or how else would I have noticed that I got charged interest ... ..but the expectation that as a cardholder I am supposed to know that the interest saving balance in my online account is wrong and that I need to pay the other number is absurd to me... especially considering I have clicked on & paid the interest saving balance in the online account for years and never had this issue. I can't imagine how many people are doing exactly what I have been, trusting that the number that shows up on their payment screen is correct and they think they are avoiding interest but in fact they are not. She would not do anything to rectify the situation and she told me that a manager couldn't do anything else beyond what she could do. I did advise I would be filing a complaint.
Product: Money transfer, virtual currency, or money service

I spoke to a customer service representative at vivid seat to request a refund and cancellation for an order I had placed one minute previously. The issue with the order was the undisclosed fees of more than a third of the ticket price that I had ordered ( {$110.00} ). I ended up spending almost 33 % more than the face value of the ticket ( {$280.00} ) which is Not represented very well in other locations. When I asked to cancel my order, the representative said that there was no way to do that even though this is embedded in the fine print and I was unable to cancel the order.
Product: Credit card

The Problem is over a previous dispute ( Complaint ID XXXX ) I had with XXXX XXXX XXXX XXXX for a service I no longer wanted to my Citi Rewards credit card. When I initially received the charge on my Citi card for {$140.00} from XXXX, I called them up about the charges and they told me they would take care of the charges. To my surprise they billed me again for the same amount to my Citi card. I contacted Citi card about this, and they are giving me a hard time over this billing problem. It seems that they are telling me that they reversed the charge for the initial charge of {$140.00} but are trying to tell me the second charge of {$140.00} plus a {$30.00}. fee is from something else. If you would help me resolve this problem once and for all I would appreciate it. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information FTC Report Number : XXXX First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX Personal Statement I did not authorize these inquiries to be pulled from my credit report and i want them to be remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts Affected by the Crime Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX4 Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXX XXXX  Date that I discovered it : XX/XX/XXXX XXXX  Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company or Organization XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XXXXXX/XX/XXXX World accep Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00}
Product: Checking or savings account

1. On XX/XX/XXXX, my employment direct deposit was deposited to US Bank checking account ending in XXXX for {$3400.00}. 
2. On XX/XX/XXXX, I scheduled my monthly XXXX XXXX mortgage payment to be withdrawn from US Bank. 
3. On XX/XX/XXXX, XXXX XXXX informed me two attempted to process my payment were denied by US Bank, one on XX/XX/XXXX and again on XX/XX/XXXX. 
4. On XX/XX/XXXX, I called US Bank to find out why my mortgage payments were declined. Customer service agent XXXX told me US Bank placed a freeze on my checking account because the account was not funded until XX/XX/XXXX. I explained to her that was incorrect and contradicted by US Bank 's own records which were reflected on my checking account showing the deposit of {$3400.00} was process by US Bank on XX/XX/XXXX. I further argued that, even if she was correct, why was XXXX XXXXXXXX XXXX attempt on XX/XX/XXXX also declined? XXXX had no explanation and said there was, " nothing US Bank could do '', in relation to my now late mortgage payment and XXXX XXXX charging me a late fee of {$50.00}. 
It is outrageous that a bank can act with such impunity. Through no fault of my own, I now have as late payment record and fee and may have issues having my PMI cancelled.
Product: Checking or savings account

Citizens bank continues to charge me ridiculous funds when they hide transactions to purposely make your account go in the negative. On XXXX XXXX I received a XXXX nsf I hve screenshots that the transaction that came through left my account with XXXX cents. When speaking to XXXX from Executive office who could care less advised me I should not be using the app or online to confirm my balances This makes no sense its the 20th century! She tells me that I should be writing down my info whats the purpose of having these tools if they are not accurate. Citizens is charging me XXXX since they say I had a XXXX hold that was NOT reflected in my balance I am escalating this to the highest level as POSSIBLE and do not EVER want to be contacted by XXXX again I am currently looking for a new bank after reading so many reviews Citizens continues to do this to hard working consumers. I do not have funds to pay these fees! Transactions on hold disappear I monitor my account VERY closely and XXXX advises me track by writing things down because she does that 's a terrible reply to hear from someone supposedly in the Executive office this company could care less about there consumers and are out to get fees anyway they can!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Date of Birth : My correct Date of Birth is XX/XX/year>. 


XXXX. My employer is : XXXX XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The Bureau wrote back they have verified but again no proof of anything.

Transunion wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Transunion to do the same here.

So once again we are submitting a letter in mail today XX/XX/20 to Transunion and a copy to XXXX  to verify see copy below.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am submitting this complaint to formally dispute the inclusion of the above-referenced account on my credit report. This account, reflecting a balance of {$12000.00}, is not mine and appears to be the result of identity theft. 

Description of What Happened : I discovered this account was appearing on my credit report. Upon further investigation, I determined that it was fraudulently created using my personal information. To address the fraudulent activity, I took the following steps : Reported the identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report and confirmed that I had no connection to this account. 
Contacted the credit bureaus and disputed this item as fraudulent. 
The company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has not provided any evidence to show this account is valid or legitimately associated with me. 

Amount in XXXX : The account in dispute shows a balance of {$12000.00}. 

Actions Taken by Me : Reported identity theft to the XXXX and obtained a new XXXX. 
Sent a dispute to the credit bureaus regarding this account. 
Requested that this account be removed from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute and request removal of fraudulent information from my credit report. I am requesting the following actions from XXXX XXXX XXXX/ XXXX XXXX XXXX : Immediately remove this account from my credit report. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation of the removal and a corrected credit report. 
This fraudulent account has negatively impacted my credit, and I expect prompt resolution to ensure my records accurately reflect my financial history. 

Thank you for addressing this matter promptly. 

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

LVNV FUNDING LLC account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert thru my credit monitoring that a Bankruptcy had been removed from my Equifax credit profile. I later received another alert with a Bankruptcy being inserted to my credit profile which plunged my credit score approximately 42 points! I called Equifax and the representative confirmed. Her name unknown ( couldn't understand her accent ). 
According to the Fair Credit Reporting Act, a consumer is supposed to receive notice of this act of Re-insertion of a prior Removed account by the CRA 's within 5 business days. It is XX/XX/XXXX and I still have not received this notice which I believe is a clear violation of federal law & my rights.
Product: Debt collection

XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine. 


I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, XXXX and XXXX all from US Dept of ED and US DEPT OF EDXXXX. This account was removed due to reporting compliance errors and has as been added again with incorrect information. According to Experian information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to US DEPT OF ED/XXXX that had a open date of XX/XX/XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. Still without written notice to me the consumer this transaction is negatively affecting. referencing my report from XX/XX/XXXX the loan was placed back on my account with another fraudulent open date. Not once was I notified nor were there any reasonable procedures maintained to prevent reappearance to this deleted material pursuant 15 USC 1681 I ( C ). This information is not only inaccurate, but it is fraudulent as well. Also, I never gave Experian nor US Dept of EDXXXX written instruction to furnish anything in my name, pursuant to 15 USC 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, pursuant to 15 USC 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non-compliant and hereby liable pursuant to 15 USC 1681 N & 15 USC 1691 K. These accounts XXXX, XXXX and XXXX have been deleted and reinserted without written notice given to me a total of 3 times. These multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of identity Theft and contacted XXXX XXXX with both FTC and Police Reports. I have sent this to XXXX XXXX several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case.

TD/Target : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Experian of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Experian didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Experian that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account Management Support - not my account ; was victim fraud - have provided info FTC report/ police report to Experian XXXX account removed by other agencies but not Experian
Product: Bank account or service

On Thursday XXXX XXXX, 2016, I deposited XXXX into my new checking account and it was immediately placed on hold. I called in XXXX XXXX and they told me the account was put under review. I have rent to pay, car insurance and so many other bills that have racked up in late fees. Its been 2 weeks now and my account is forever under review. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and every day I call in a new review has been put on the account. Then when I call in they say the check has been approved but yet the account is in credit only status.Its a payroll check and I need for them to let it go. It 's ridiculous how much of a bind they put me in. I want compensation for late payments that they have put on me.