23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/20 I made a payment of {$150.00} towards my citi Best Buy credit card. My balance at the time was {$350.00}. After my payment it brought my balance down to {$250.00}. Again I made this payment on XX/XX/20 via ACH transaction from the same bank account that I make all of My recurring payments on time every month. 

On XX/XX/20 I tried to use my credit card for the first time in a month and it said I didnt even enough credit. I called citi credit card services and asked why my payment or funds werent available and they refused to make my funds available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with Transunion on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the closure of my account. On XX/XX/scrub> 2024, XXXX confirmed that my account would be closed in response to my initial complaint ( XXXX ). However, despite multiple attempts to obtain a specific timeline for the account closure and the return of my funds, I have yet to receive a satisfactory response. 
I have made the following efforts to resolve this issue : Submitted initial complaint ( XXXX ) Received confirmation of account closure on XX/XX/scrub> 2024 Contacted XXXX customer service on : * XXXX XXXX, 2024 * XXXX XXXX, 2024XX/XX/year> * XX/XX/year>2024 During each of these interactions, I requested a clear timeline for the account closure process and the return of my funds. Unfortunately, as of today ( XX/XX/year>2024 ), I have not received any concrete information or updates regarding my account status.
Product: Credit reporting or other personal consumer reports

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies
and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, Equifax, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Product: Credit card or prepaid card

I have been a victim of identity theft since XX/XX/XXXX. Since then multiple attempts were made by the person to get credit cards under my account to his location. I notified the consumer reporting agencies about this matter and a fraud alert was placed on my behalf. The culprit had still been able to use different credit cards under my account initiating transactions which I disputed with credit card companies and matter was resolved. 
But on XX/XX/XXXX I got a notice from Bank of America stating a payment has been returned from a credit card account ending in XXXX under my name followed by a credit card statement for the amount of XXXX with transactions on multiple credit card accounts. I spoke to Bank of America fraud department about this matter and informed them that it is an unauthorized transaction and also that the card ending in XXXX was not in my possession. The banker verified that the card ending in XXXX was sent to a different address and so I was unaware of any transactions being made on that account until recently when Bank of America sent a statement to my address. 

On XX/XX/XXXX Bank of America sent me a notice saying they are unable to resolve this disputed transaction.
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 Experian 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 you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 9 fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting

All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all XXXX credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
Product: Prepaid card

Rush card shut down are glitch been almost 2 weeks still ca n't access my money they block my old card I had to pay {$30.00} for a replacement card that was ship over night card arrive today an still ca n't activate to have access to my money it 's so many complaints balances wrong on account no help they said d m them on XXXX an community @ Rushcard no feed back are card they are ripping us off been with the company for years an this sad so many people are loosing everything due to this so call glitch are computer hack an XXXX XXXX seems not to care claiming they are working XXXX to address this issue this been going on for almost 2 weeks I need my hard working money can you guys help
Product: Vehicle loan or lease

During the car financing process with Credit Acceptance, my rights were violated in several ways. Initially, the terms of the agreement included a car cost of {$8000.00} and a down payment of {$3000.00}. However, Credit Acceptance charged an exorbitant interest rate of 22.9 %, significantly inflating the loan amount and burdening me with excessive costs.

The impact of the pandemic on my payments was severe, but I managed to make two substantial payments to significantly reduce the loan amount. However, to my surprise, after six months, the outstanding amount mysteriously increased to almost its original value of {$7000.00}. This sudden increase raises concerns about hidden costs and unfair practices by Credit Acceptance. 

Despite making payment arrangements and fulfilling my obligations, the car was repeatedly repossessed by Credit Acceptance. These repossessions occurred even when payments were made, leaving me in a constant state of uncertainty. These illegal repossessions led to additional fees and worsened my financial situation, pushing me further into debt. 

Moreover, Credit Acceptance consistently overcharged interest, exacerbating my financial struggles and making it increasingly difficult to pay off the loan. These actions have had a detrimental effect on my credit standing, making it challenging to secure future loans or financial opportunities. The financial impact of Credit Acceptance 's violations has significantly disrupted my life and caused immense stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX  ( unknown authorize user account ) 3 )  XXXX/XXXX  XXXX
Product: Credit card or prepaid card

In XXXX of this year I made a purchase on my Pay Pal credit account from the XXXX for {$180.00}. The Post Office said that the package was " delivered to an individual '' at my address on XXXX XXXX, XXXX. Anyway that was what the tracking stated online. The problem was that no one was home that day, both my husband and I were in XXXX, Florida on business and since we are the only ones that reside in our home we knew something was wrong. I first contacted the merchant on XXXX XXXX, XXXX, they said that they would put in a package search request. In the meantime I called the Post Office and notified Pay Pal that I never got the item. They did not seem to care ... Later in a  letter/email dated XXXX/XXXX/XXXX the Post Office admits that they could not locate the package. I advised Pay Pal by giving them the letter and repeatedly informed them that I never got the package. THEY REFUSED to refund my money and I need your help.
This package was never delivered to our home and to date there has been no replacement provided by the merchant.
Additionally Pay Pal had an issue with their on line bill pay and had assessed me interest charges ... I pay enough each month to avoid interest and participate in their 6 months interest free program and have complied with all the requirements of that participation.
I want all interest charges and late fees reversed and a refund of the item that I never received in the amount of {$180.00}. I will fax the letter to you from the Post Office stating that in fact they could not locate the package in question.
Product: Credit card or prepaid card

I made a reservation via credit card for a hotel stay the night of XX/XX/18. I arrived at the hotel about XXXX to be told " I'm not seeing a reservation ''. No big deal, technology errors happen. I simply re-booked a reservation while at the counter, paid via same credit card, signed my name, and stayed. I received my credit card bill the next month and noticed being charged {$91.00} ( price without dog ) for the initial reservation ( # 1 ) and also the stay I signed for about XXXX ( # 2 - price with dog ). I disputed this as a duplicate charge with Bank of America immediately. The dispute was denied and I received photo copies of the receipts with signatures on XX/XX/18, then I realized what happened. The hotel mistakenly checked in a stranger under my name about XXXX and receipt # 1 was signed for by stranger on my bill, all when I was hours away from the hotel. This makes sense about being told " no reservation '' ; stranger was already in my room. The signature from the receipt is absolutely not mine or even close and again, I was hours away. The signature from the bill around XXXX ( # 2 ) is easy to see it's mine. To make things worse, when I did arrive about XXXX, the clerk was a visible nervous mess. He misspelled my name on the correct receipt while physically holding my ID and credit card. I'm thinking he realized that there was a mistake was too embarrassed to admit it. Easier to just let me pay again instead. I was road-weary and failed to notice the misspelling at the time. 

The hotel has refused to budge and refund me. They intend to unjustifiably keep my money. 

Upon finally reaching a human to talk to at BOA on XX/XX/18, I was told that BOA isn't handwriting experts and that the charge stands as valid. BOA refuses to acknowledge the common sense of this false charge ... .hours apart. If my card is on file ( which is required to hold the reservation ) and the hotel makes a mistake, it's BOA 's good faith responsibility to back me. I can't control a hotel clerk making a mistake, intentionally/fraudulently or otherwise. I can only imagine the stress to my life if the dispute was in the thousands of dollars and BOA refuses to do their due diligence. 

The notes next to " XXXX '' on the scanned images are from the hotel representative. The handwritten " pet fee '' note and the odd page numbering. The others indicating time, total, dog fee, and signatures are mine.
Product: Credit card or prepaid card

Ive had Chime mobile banking for a few years now. On XX/XX/2022 someone made two unauthorized atm transaction of {$100.00} and {$400.00} on my chime credit builder card somehow but the transaction expired and the funds was returned back to my card after filing a dispute. Chime deactivated my credit builder card and sent me another one in the mail which takes 3-5 days to receive. Then on the XX/XX/2022, the same two atm transactions happened again at XXXX on my credit builder account. However, the credit builder card in possession was already deactivated and my new card hasnt came in the mail yet. I did not have a active credit builder card to withdraw funds at the time of the transactions. Therefore, the transactions were clearly fraudulent. I called to dispute the transactions again but their investigation team has denied my dispute within minutes of me filing a claim and refuse to reopen my claim. The money that was taken was my rent money and chime always seem to talk in circles when I contact them. Chime isnt even trying to compensate me or look into my case. This is the worst online banking system out there and I would never recommend to anyone.
Product: Credit reporting or other personal consumer reports

I applied for a car loan. I was denied based on information submitted by Experian. This happened on 2 occasions. Both time they reported my score as XXXX. When I log into my experian account it shows my score is XXXX. XXXX points different. Both times this inaccurate score has kept me from getting a loan through the dealership.
Product: Payday loan, title loan, or personal loan

Good morning, I took out a pay day loan with a company called Bright Lending out of Montana which isXX/XX/XXXX owned for {$500.00} but with all the interest it climbed to {$1800.00}. When I took this loan out I was financially stable but that quickly turned around and I had to ask for a hardship settlement. When I contacted there company with my circumstances they turned me over to a collection company who did allow me to set up a payment plan with me only owing {$910.00}. Today I called the collection company XXXX XXXX to find out why they didn't take my payment and I was told to contact Bright Lending that they no longer was handling my account. I don't understand how you can set up a payment plan with me then not honor it. I feel like I was scammed but then again not because they did lend me {$500.00}. Please advise what I need to do in this situation. 
Thank you XXXX XXXX XX/XX/XXXX # XXXX Bright Lending- XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # -- XXXX, XXXX Account # -- XXXX, XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

1. When I got the loan I filled out all paperwork to do automatic payments. They made me do it. But then they failed to set up the automatic payments. I did not realize this until a month after the payment was due. They never sent me a letter, email, nothing. 

2. So I called in on XX/XX/XXXX at XXXXXXXX XXXX and made two payments. One for XXXX and a separate one that was supposed to post one day later for XXXX. They made the XXXX payment and did not do the XXXX one. So I called in again on XX/XX/XXXX when I realized this. I spoke to a supervisor. She reviewed the call from the previous week. She stated that the 'associate ' failed to make the second payment. So here it is XX/XX/XXXX and the still have not taken the money out of my account. 

This is fraud. How can I be current on my loan if they refuse to make the payments even after I give them full routing and account numbers and verbally authorize the payments?
Product: Credit card or prepaid card

Since at least XX/XX/2022, the XXXX XXXX Credit Card which is a Comenity Bank ( Bread Financial ) website is not available. They claimed to be doing a subsystem update that has taken longer than usual. It has been XXXX weeks now. I can not see my account statement or transactions online. There is no access to the website but the bank says they can still take payments. 

A XXXX week system update with a complete system blackout to consumers is unacceptable. It took me over XXXX min to get to customer service today and they are saying the same thing theyre said XXXX weeks ago, the system is coming up piecemeal they do not have a definitive date when customers will be able to access their accounts. 

This should be investigated.
Product: Credit card or prepaid card

I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " XXXX XXXX XXXX/XXXX  XXXX '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called XXXX 's XXXX  credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page 43 of " XXXX  '' ) 2. " CITIBANK NA., BEST BUY '' ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX , SDXXXX ) on XX/XX/XXXX. I called three different numbers for Citi and the Best Buy credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with Citi and/or Best Buy, their records found nothing. I tried entering 0 to reach a human being, swearing, etc. and was unable to connect with a human being. I called Citi directly, and they transferred me to the same automated line requiring an account number. ( see page 16 of " XXXX XXXX '' )