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

My account was closed because someone stole my checkbook and tried to deposit the checks into my account. Wells Fargo closed my account after I called in telling them that I did not do this. 

They told me I would be able to open another account after the account was fully closed. I have since been denied to open another account. 

I was told i am ineligible until further notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerns : In XX/XX/XXXX of 2019, I have created my credit card with Victoria Secret, however the credit card was never delivered that led to an unauthorized transaction that I was not aware of for a period of 120 days. I only found out about the charge and the late payment that through collector. I then agreed to paid the amount requested and ask to close the card that was never received. Victoria Secret has failed to protect customers privacy as well as preventing fraud. 

In addition, accordance with the fair credit Reporting act XXXX Account # XXXX under Comenity Bank/ Victoria has violated my rights as consumer. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Thank you
Product: Credit card or prepaid card

at work XX/XX/XXXX in XXXX washington at # # # # when a fraudulent charge of {$1000.00} was conducted on my credit card charged at XXXX  store # XXXX XXXX XXXX  NY. 
i filed a fraud claim with my bank when i got home and found the charge. 
the bank credited my money back and told me they will handle it. 
saturday the XXXX of XX/XX/XXXX the charge was reversed. 
i called on monday ( they aren't open on weekends ) and discussed the disputed charge and was told it was legitamate. ( its not ). that my card was used in a machine and the pin number was entered. 
BOA refused to fix the problem even though i told them how a XXXX search showed this as suspicous activty on multiple other peoples credit cards. i explained that i live in washington and have never been to NY nor did i authorise this transaction or give my card info to anyone else to authorise the transaction. they still refused. 
i even went as far as to ask them to reemburse my account and file a FDIC insurance claim with the federal government and give the info to the police department so they can catch the thief. again they refused.
Product: Bank account or service

On XXXX XXXX 2015 I went to US Bank and told them I did not want my MTG payments for XXXX XXXX XXXX to be taken out of my bank account anymore. XXXX XXXX XXXX was changing my loan amount I did not know to exactly what amount. I only had a certain amount going into US Bank each month and I did not know if it would cover the new amount. I needed to pay my own bill. I asked what I had to do to make it so that XXXX could not draw any amount from my account. I repeated several times that I did not want XXXX to withdraw any amount from my account. The woman asked me several questions and said it was completed. There would be up to 2 years. They could not take any money. When we finished I asked if I had to go to XXXX to close any paperwork I was told no that this would not allow XXXX to draw any money from that day on. I kept asking her if she was sure everything was done she said yes. On XXXX XXXX I went to cash my XXXX check. I wanted to just cash it and not put it in the bank. The cashier only allowed me {$500.00} she said they had to put a hold for 3 days. I became very busy on Monday and Tuesday so I could n't go get my money. On Wednesday I went to get {$200.00} and all my money was gone. I asked how that could be because there should have been {$1200.00} at the least in my account. They told me they paid out {$1400.00} to XXXX this was done on XXXX/XXXX/15 I said I had put a stop payment on XXXX/XXXX/15 and was told that was all I could do. I found out since I could have gone to XXXX and ended this immediately. I asked US Bank why when I asked if I should go to XXXX and they said not necessary why they lied. They said they do n't and I said you mean you would rather hurt your own customers then I left.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX I am writing to request that you investigate a public record error on my credit report and remove any incorrect information. I believe that there is an error on my credit report that is affecting my credit score and causing me financial harm. 

I request that you conduct a thorough investigation into this matter and remove any incorrect information from my credit report as soon as possible. I am enclosing supporting documentation to help you in your investigation. 

Please be advised that if this issue is not resolved to my satisfaction, I will be forced to take legal action, including filing a lawsuit. I hope that this can be resolved amicably and without the need for further action.
Product: Debt collection

I have recently been informed that there is negative information reported by the below data reporting furnishers concerning me or some individual potentially mistook as being me. I am referencing files you maintain under my social security number. The below denoted item ( s ) reported by the also detailed accusing data reporting furnisher ( s ) are contentious at best given fact there appears at least 1+ deviations from the established credit reporting industrys expected abided by reporting standards for consumer credit portfolios, namely that of the mandatorily utilized Metro 2 Data-filled Field Formatted reporting standards of which the CDIA signaled ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA which sure seems akin to the federal regulatory reporting mandates ( LAWS ) which hint to requisite that any prospective reporters of information MUST HAVE in play procedures, processes and practices to ensure that any allegations made are done so to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY and a MAXIMUM POSSIBLE COMPLETENESS. It is NOT A STRETCH to suggest that entities failing to meet BOTH the regulatory requisites AND have also failed to act with certifiable compliant reporting procedures, processes and or practices in conjunction with the above noted CDIA statement in concern to non-compliance of the standards established surely it is reasonable to wonder if a reporter has acted so egregious to have potentially eradicated their assumed-privilege to report data of derogatory nature versus a consumer. In similar question would be the curiosity if or not such a violating entity has acted in willful even unlawful disregard of consumer rights and their own regulatory responsibilities. Did the reporting party ( ies ) act in willful negligence? Or in reckless abandon if not in absolute ignorance despite certainty of fact that any each and all reporters know better or SHOULD HAVE KNOWN BETTER being that reporting standards were in fact established for the very purpose to better ensure a reporters greater likelihood of successfully abiding by the state and federal reporting requirements of which they are under absolute obligation to obey. With the above statements and considerations please act now to remove from reporting any derogatory claim forwarded by any below listed entity of which failed to report adequately by each the regulatory requisites as well as the established and mandatorily utilized credit reporting industrys Metro 2 Compliance standards.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I visited the XXXX XXXX dealership in Arizona with the intent of purchasing a new car. After identifying the car to purchase, the salesman XXXX gather information from me to take to financing. He printed the application for my signature and the wrong information was entered. He did this two more time before getting my information correct. I signed a document authorized a credit inquiry to finance the car. I was approved and continued the purchasing process with XXXX XXXX. When meeting with XXXX he asked in jest if I planned to apply a {$10000.00} downpayment. I confirmed his joke as truth and provided him a payment and he provided me with a lower cost than previously negotiated for the car. We finished all paperwork after including the service warrantee in the agreement and left the dealership with the car about an hour or so later. All of these steps were completed on XX/XX/year>. On XX/XX/year> XXXX XXXX contacted me from XXXX XXXX requesting I sign a purchase document with numbers inconsistent with the cost I agreed to on XX/XX/year>. He continued to contact me multiple times pressuring me to sign the document because the dealership " needed it ''. I declined multiple times explaining I was not comfortable signing a document after purchase that did not align with the purchase cost and fees I agreed to in the final contract. He then argued with me concerning what " I needed '' to feel better about signing the document. I informed XXXX XXXX that I was not signing anything that was inconsistent with my purchase on XX/XX/year>. He then created a document that had the same final cost, but the fees were outlined differently. I brought this to his attention and he continued to pressure me into signing the document that I returned to him on XX/XX/year>. On XX/XX/year> I received a notification from my bank credit monitoring showing two hard credit inquiries from XXXX. I contact Mark on XX/XX/year> to alert him of this problem and he informed me that the financing department often runs the customer 's credit multiple times to see if I can get a better rate AND he told me XXXX XXXX has no responsibility. My response was, " I only authorized a inquiry on XX/XX/year>. I did not authorize any other hard credit inquiries. '' I asked to speak with his manager and was told he would have him call me back. That did not happen. I called back on on XX/XX/year> and spoke with XXXX XXXX who gathered my name, phone number and email after bringing him up to speed with the issue at hand. He told me he would provide me with documentation showing where I had authorized these inquiries. He sent the document to the wrong email address. The document contained my name, social security number, birthdate, and address on the document. And the document did not contain the authorization to run more than one credit inquiry.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries and have no connection with the creditors mentioned.
Product: Payday loan, title loan, personal loan, or advance loan

I ordered something from XXXX in XXXX that was never delivered. I have reached out to both Affirm and XXXX to let them know I never received the item. They keep telling me it was delivered but provide no proof but claim there is a delivery photo. They have yet to show me the photo as I believe this was delivered to someone else. I did not receive this order and am not going to make the payments on the loan for merchandise I never received. I have been disputing this for 2 months now and getting nowhere. I have had several loans with Affirm and have had no issue repaying them, but I will not pay when I have nothing to show for it. I have disputed with XXXX and been put on hold for hours only to be hung up on. I have disputed with Affirm who only tell me to contact XXXX. I am not paying anything else on this loan and will dispute it with the credit bureau if it is put on my credit report. I have an open lawsuit already with XXXX, I will gladly add this to the suit if it is reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion removed XXXX inquirys from my record but heres some that they should of removed but didnt please reveiw these SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these are result of fraud and should be removed
Product: Credit reporting or other personal consumer reports

My Mortgage has been paid in full and still on my credit report as open and it should be closed. 

XXXX XXXX account number # XXXX
Product: Debt collection

I have not lived at XXXX XXXX XXXX since XX/XX/XXXX and Hunter Warfield put on my credit that the debt was opened in XX/XX/XXXX for an eviction. I haven't received any documentation and I am not sure who lived there in XX/XX/XXXX but I can prove I haven't live there since XX/XX/XXXX.
Product: Checking or savings account

Please assist me in getting reimbursed. 

I was charged a {$25.00} maintenance fee in XX/XX/2024 against my checking account for a savings account because it ( savings account ) did not have the required balance. I thought I was ok because I had a direct deposit checking account, i.e., I thought other accounts were free. My mistake, no complaints. 

However, I sent a letter to Bank of America ( BOA ) on XX/XX/2024 requesting it to close the account ( I zeroed it out ). Subsequently, I received an email from BOA on XX/XX/2024 stating " We have closed your account ( XXXX ) as requested. '' Nevertheless, on XX/XX/2024 BOA charged me another {$25.00} maintenance fee for this account. Therefore, I sent them another letter dated XX/XX/2024 with attachments stating : " Per our XX/XX/2024 request ( Attachment XXXX ), you closed Advantage Savings account on XX/XX/2024 ( Attachment XXXX ). However, on XX/XX/2024 you charged {$25.00} to Bank of America Checking Account Number XXXX for this closed account ( Attachment XXXX ). 

Please refund this charge to Bank of America Account XXXX : XXXX  Account Holder : XXXX XXXX '' I received a letter dated XX/XX/2024 stating : " To verify your request to submit a refund of a service fee, a signed letter notarized by either a U.S. notary or the U.S. Embassy or Consulate must be submitted with your request. 

Please submit your request, along with a signed notarized letter, using the enclosed business reply envelope. Note : we can only accept documents in XXXX. '' This is nonsense. Clearly they have indicated the money is owed to me, I have sent them all documents verifying it's owed to me, and BOA has taken {$25.00} twice from my checking account so obviously it knows where to refund the money owed me. 

Could I get a notarized document, mail it, etc.? You bet, but why should I go through the trouble and cost ( see paragraph above )? 

BOA Case No. is XXXX Note - I have all the above documents, but did not include because they contain account numbers, etc. No problem providing if you need. 

Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I NOW HAVE XXXX ACCOUNTS REPORTING ON MY FILE FROM XXXX XXXX THAT ARE FRAUD!! 

XXXX XXXX XXXX DATE OPENED XXXX UPDATED XXXX XXXX XXXX XXXX DATE OPENED XXXX UPDATED XXXX I HAD FILED FTC PRIOR WITH ACCT INFO IT WAS INVESTIGATED WITH THE COMPANY AND A NEW ACCT XXXX WAS ADDED INSTEAD OF UPDATED WITH NEW INFO!! 

XXXX ACCT XXXX WAS OPENED ON XXXX UPDATED XXXX HOWEVER NUMBER ONE ITS FRAUD NUMBER TWO ITS PAST STATUTE OF LIMITATIONS ( PAST 3 YEARS ) FOR A NEW ACCT TO BE ADDED!! 

CALLED XXXX SPOKE WITH XXXX AT XXXX XXXX STATES THE COMPANY HAD A MERGE AND UPDATED THE INFO WITH TRANSUNION AND TO GIVE IT TIME IM SURE TRANSUNION WILL DROP THE ADDED ACCOUNT AS OF XXXX!!
Product: Credit card

XX/XX/year>, XXXX PDT XXXX XXXXr , Thank you for choosing Upgrade! 

We are requesting documents related to the following Upgrade Card dispute ( s ) you initiated on XX/XX/year>. 


Date Merchant Name Transaction Amount Disputed Amount XX/XX/year> XXXX XXXX {$1800.00} {$1800.00} I disputed it and they rejected my claim and I did not do it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Phone : XXXX [ Date ] TransUnion Dispute Resolution Team XXXX XXXX XXXX  XXXX, PA XXXX Subject : Formal Demand for Immediate Resolution of Inability to Locate Credit Report Dear TransUnion Dispute Resolution Team, Your notification claiming you were " unable to locate a credit report '' for me is wholly unacceptable and indicative of a failure in your obligations under the Fair Credit Reporting Act ( FCRA ). My previous submissions contained all the necessary identifying information, and this inadequate response suggests either negligence or a deliberate attempt to avoid your obligations under the FCRA. 

To eliminate any further excuses, I am re-submitting my information and supporting documentation. Below are my details : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Report Number : XXXX I have also included : A copy of my government-issued photo ID Proof of address ( utility bill or bank statement ) Your inability to locate my credit file raises serious questions about the integrity of your operations and compliance with FCRA requirements ( 1681i ). It is your legal obligation to : Ensure the accessibility of my credit file.

Conduct a proper reinvestigation of disputed information.

Provide timely and accurate responses to consumer disputes.

Let me be absolutely clear : I am demanding immediate action. You must locate my credit report, fully reinvestigate the disputed items, and provide written confirmation of resolution within 15 days of receiving this letter. Should you fail to comply, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Pennsylvania Attorney Generals Office. 
Pursue all legal remedies available under the FCRA, including seeking damages for your failure to uphold federal and state consumer protection laws. 
Notify federal oversight authorities to audit your compliance practices. 
I expect written confirmation by the 15-day deadline that this issue has been resolved, including : Proof that you have located my credit report. 
A complete explanation of your investigation findings and any actions taken to delete inaccurate information. 
An acknowledgment of your responsibility for this delay and corrective measures to ensure such failures do not occur again. 
This is your final opportunity to resolve this matter before I take further action. I will not accept further delays, vague responses, or evasion of your legal obligations. 

Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.
Product: Credit card

On XX/XX/XXXX I applied for a credit card as I am filling out the application they do not have any confirmation screen telling you about the credit limit and they do not let you now that you are about to start a credit line. This is done to mislead people cause they have no choice. And they know people wont deal with. They did this on purpose with a XXXX XXXX apr and there misleading tactics. Next is not a confirmation I would like to know what the credit limit is and if that button is going to create a credit line. This should be illegal
Product: Payday loan, title loan, personal loan, or advance loan

CEASE AND DESIST VIOLATION OF FEDERAL TRADE COMMISSION ACT ( ABUSIVE AND THREATENING COLLECTION TACTICS ) STATUTE OF LIMITATIONS CASE XXXX
Product: Debt collection

To CFPB We have previously filed a complaint against XXXX XXXX XXXX XXXX concerning an account they are reporting to the credit bureau for XXXX XXXX. They say I had a credit card with a XXXX dollars credit line they also say I had one with a XXXX XXXX dollar credit line, both are incorrect, I never had a credit card with this company. 
Portfolio says that they will not answer our inquiries concerning this matter as we have made many attempts to verify this matter. Portfolio  has never proved I or any one here has had a card with XXXX XXXX, no, what they have done is send some copy of a bill which the FTC says is not proof that that bill is owed by anyone. 
We have filed this complaint against them because of this inaccuracy and also in filing other complaints against them in XXXX we have found that Portfolio  is not properly licensed in the state of Texas therefore, our attorneys will be filing criminal charges against Portfolio for attempting to collect a debt not owed by me and not being registered in the state.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant com

pany before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may d
o as you are governed by the FCRA. Please investigate the following : XXXX XX/XX/XXXX & XXXX XX/XX/XXXX.
Product: Checking or savings account

I wasn't fully explained to on how the account is going to be operating. They take up to XXXX to 5 days to authorize my money then I end up with late fees that pile up and I have them back money that I had in my account to spend. Also when I talked with a representative he told me they have to make sure I have money in my account in order to process the transaction. I'm like if I didn't have money in my account how did I make a purchase. Also why am I banking with you all if you don't know my available balance in my account. I feel like Bank of America is tapering with peoples money. To make them go in the negative I don't know how they're doing it but it's not right. As soon as I got this account my financial advisor has not been honest with me at all. He also doesn't answer my question straight forward. I regret getting a bank account now. They also paid me some money cause I caught on to what they were doing and I spoke about it and I said I will be talking to an accountant about this.