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

In XX/XX/2018, I had an open agreement with XXXX XXXX where I was currently paying off a bill in doing so they would not report to my credit. They reported to my credit anyway. I filed a complaint against XXXX XXXX, they agreed to remove from my credit report. They did however sell to another Collection agency in XX/XX/2018. The new collection agency did not contact me regarding this collection and placed it on my credit report in XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX XXXX. XXXX that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with TD Bank. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from TD on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that they were collecting the {$890.00} debt on behalf of TD, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with XXXX to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to TD in order to get approved. I went back to the XXXX website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched XXXX on the XXXX   and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
Product: Credit card

When I closed my Gold card, but kept my Optima Platinum open, I was told my Membership Rewards points and benefits would remain and stay the same. I found out that they are not the same, and my points are devalued by half, and my redemption options, especially for gift cards, are severely limited. I reached out and asked if I could downgrade my Gold card to Green instead, to keep my same benefits, but you said I could not, but could only reapply from scratch for a Green card, but that would result in a hard pull on my credit report, and list a new credit card being opened, which is not good for my credit report. Amex was very deceptive in how they explained my Membership Rewards remaining, and I feel by them devaluing them and limiting my redemption options, what remains is a second class reward program, compared to what everyone else has with Amex.
Product: Debt collection

I have never had a signed agreement to do business with this company, I do not owe this debt, I have requested that I be sent original copies of documentation bearing my signature with said company
Product: Money transfer, virtual currency, or money service

{$24.00} XXXX been charge to my credit card for 1 year, I finally asked my bank about it and they said Experian has been doing this forever and then some. I never signed up for any service and they keep taking money. I have tried numerous times contact them on the phone, but they do not answer. 

I figure I already lost the money, but I want the Experian company to be put on notice that they are fraudulently charging money to consumers.
Product: Checking or savings account

I opened a Truist One checking account with Truist at the beginning of XXXX, XXXX. Part of the terms of opening the account were a {$400.00} bonus for opening an account if the customer provided XXXX or more direct deposits totaling {$1000.00} within 90 days of opening. I had {$1600.00} in deposits via XXXX different direct deposits in the first XXXX  months of opening, while also maintaining a positive balance for the duration of the accounts existence. I verified with Truist after opening the account that I had used the proper promo code when signing up, and would be eligible to receive the bonus. 

At the beginning of XXXX I received a notice from Truist that I would not receive my bonus, because I did not meet all the qualification requirements of the offer. After receiving this email I verified that my direct deposits and positive account balance were more than sufficient to meet the terms set forth by Truist, and contacted them to try and resolve the issue. They received my call and told me they would open a case, but have yet to get back to me despite being past the timeline they set forth for a resolution. I have been very frustrated with the customer service provided by Truist, and feel that they are being misleading to their customers in an attempt to build their deposit base.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App/Block Inc due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I felt helpless after I lost money to scammers on this app. They thrive on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my XXXX, XXXX and TransUnion credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX  ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX TransUnion : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I looked at my credit report in XXXX. I had a Target charge off for {$860.00}. XXXX also had an account for this listed on my credit report. I had a Target card several years ago but it was a very small limit and nowhere near XXXX. I call Target at XXXX and told the rep what was going on and they told me to contact XXXX. I then contacted XXXX. They had no information on the account and could n't tell me anything about it. From this they removed their entry on my credit report. Since I could n't get any information from XXXX I called Target back at the same number. When I would call the rep would tell me they needed to transfer me to another department. They would transfer me to a line that nobody would ever answer. This was done 5 times and each time I stayed on hold over XXXX minutes and each time I called back I was told I was being transferred to another line and would n't have to wait. Finally I called and a lady gave me a different number to call. It was XXXX. I then called this number and they told me they could n't help me because they could n't find any information so they gave me a different number. This number was XXXX. When I called this number they said they could n't help because they had no information and to call XXXX. I told them XXXX did n't have any information either and removed their entry from my report because of it. After over XXXX calls to Target I was told me to mail them a letter. I forgot to mention this but I had previously disputed this account XXXX. All XXXX said that Target confirmed the debt. I then mailed a letter to Target on XXXX XXXX that they received on XXXX XXXX. This letter informed them of everything that had happened and asked them to investigate the amount owed and it 's validity. I have yet to receive anything from Target. Per the FCRA XXXX Target had 30 days to investigate and respond to this but they have not. I 've given them over XXXX days between phone calls and certified mail. I would like this account removed from my credit reports or I will file suit.
Product: Credit card or prepaid card

A few months ago XXXX XXXX contacted me via email to let me know they would no longer be servicing the XXXX XXXX credit card. They offered to transfer my account to Barclays and I said no. There was a question of why and I replied I would plan to use a different card if I ever wanted to make purchases at XXXX XXXX. On XX/XX/2022 I received a credit card from Barclays for my XXXX XXXX purchases. When I called the company to tell them I did not want the credit card and had not requested the card and they went against what I told XXXX. They said they had no record of the account. They said they could not help me until XX/XX/2022 as that was when the transfer would occur. I dont believe its my job to have to follow up on this when I specifically told them I didnt want the card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes completed, can not see what they are for, the results nor the proper steps taken during their invesitgative processes which concluded in 1 day for one and 2 for the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.
Product: Debt collection

First of all, XXXX XXXX calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XXXX eve!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by XXXX XXXX which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.
Product: Credit card or prepaid card

Ive had a credit card with XXXX XXXX  XXXX XXXX  for about seven years. I make my payments on line. The due date is XXXX of the month. In XX/XX/XXXX I submitted a {$100.00} payment to be taken out of my bank on XXXX XXXX. They gave me conformation number XXXX acknowledging receipt. A few days after the XXXX I checked to make sure payment posted only to find it was still in my bank account. I called XXXX XXXX  XXXX to check why and was switched over to XXXX  XXXX  XXXX. The woman I spoke with informed me that the two companies were in a transition period and my payment would be taken out soon without late fees. I waited 4 or 5 days and called again because it was still in the bank. I was told the same. On XXXX XX/XX/XXXX, I called and asked the women if she would just take the payment over the phone she agreed. I told her just to take that {$100.00} and I also scheduled another payment for XXXX, paying a total of {$200.00}. In XXXX they tacked on a late fee and started calling me saying I was behind a payment. In XX/XX/XXXX, a man called and requested {$120.00}, which I sent. They told me I had {$180.00} in credit. I used {$86.00} for my dentist and a XXXX XXXX  XXXX payment. Now Ive received XXXX calls since Sunday telling me Im {$250.00} behind. Still because they wont credit me with my XXXX payment and back out all of the late fees. I asked the women why did you credit me with {$180.00} of credit and tell me Im {$250.00} behind. No answer. The woman I spoke with yesterday also told me they were a collection agency. I dont understand why the account went to collections in XXXX I was not behind on anything. I wrote a letter to XXXX XXXX   XXXX explaining my problem two months ago, got no reply. I cant get a phone number for the bank I keep getting XXXX, whose number is XXXX XXXX. I spoke with a XXXX she helped but its right back. Frustrated in XXXX and sick of these phone calls. Card number for account XXXX, valid XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX
Product: Prepaid card

I filed a complaint with my bank on XX/XX/year>2025 due to money missing from my account. Any amount of {$900.00}. I tried to withdraw this money from an ATM but the ATM gave me an error. They told me in the store to contact the ATM company which ID after speaking with the ATM company, they told me to contact my actual bank to file dispute. This has been all going since last year. I filed a dispute and was told that they will send me documentation by mail and that it takes 10 business days to receive and I was informed while this was being investigated they will provide me with the provisional credit today XX/XX/year>2025. I tried to load money onto my car and I was unable to load money when I open the portal of the ADP wisely it shows that my car was inactive. I spoke with someone through chat and then provided me with a phone number to call 10 minutes later I received a phone call from ADP wisely, informing me that they could no longer do services with me because of my previous dispute, the previous dispute was due to my items getting stolen, but this is not a completely different. There was an error with an ATM and I was informed by the ATM company to contact my bank which I did and just suddenly out of nowhere they decide to close my account because I find dispute to get my {$900.00} back.
Product: Money transfer, virtual currency, or money service

Hello, I am a user on the website Coinbase. About a week about, on the day of XX/XX/XXXX, my account was temporarily disabled without notice or reason. I had a few hundred dollars of currency on there that I can no longer access. After submitting a case, they responded with " we have looked into the problem and are working with a specialist ''. From there, absolute silence.
I repeatedly asked for the reason why my account is disabled, and I 've gotten no answer. There 's no number for me to call nor is there actually any person to chat with. It 's just " submit a case and wait ''.
Product: Credit card or prepaid card

Citi Diamond Preferred credit card company isn't resolving my dispute on XXXX Unauthorized charges on my credit card, that were charged in XXXX, and were made without my knowledge. The first time I was aware of any " unauthorized charges '' on my Citi card was on XX/XX/XXXX, when a XXXX rep from Citi Fraud Dept called me. She said there was some suspicious activity on my account and did I authorize a charge from XXXX for {$3.00} on XXXX XXXX in XXXX, XXXX, or XXXX for {$50.00} on XX/XX/XXXX in XXXX, XXXX, or XXXX XXXX for {$59.00} on XX/XX/XXXX in XXXX, XXXX or XXXX XXXX for {$62.00} on XX/XX/XXXX in XXXX, XXXX? I replied, " Absolutely NOT!, I'm a XXXX citizen who barely leaves my home here in the XXXX XXXX! Why would I go to a XXXX in XXXX when I can go down the street to my local XXXX here! ''?? I did not authorize any charges from XXXX! What is really crazy about this conversation with the rep from Citi Fraud Dept on this day is that she only asked me about these four unauthorized charges and she could see ALL the purchases from XXXX! Yes, there were 26 more unauthorized charges from XXXX! Starting on XX/XX/XXXX there were 2 from XXXX, XXXX {$84.00} in unauthorized charges, 2 from XXXX, XXXX {$47.00}. On XX/XX/XXXX there were 4 more unauthorized charges from XXXX, XXXX {$92.00}. On XXXX there were 12 Yes! Twelve unauthorized charges from XXXX XXXX XXXX, XXXX {$350.00}! On XX/XX/XXXX there were 5 more unauthorized charges from XXXX XXXX XXXX, XXXX. I wouldn't be going thru this if this Fraud Rep asked me about ALL 30 unauthorized purchases on XX/XX/XXXX! I didn't see them until I got my statement in XXXX! The Security Investigation Dept at Citi tells me I've been Scammed and Citi does not credit scams they only credit Fraud! Now I ask you smart people out there, " if You are Frauded or Scammed aren't they ALL Unauthorized Charges on your Credit Card Right?? Citi Preferred Diamond Credit Card Company does Not want to Credit my Account!! On Citi Card website they state, " You are protected against unauthorized charges on your consumer credit card. At Citi, you will not be responsible for unauthorized Charges '' Really Citi Card? Can you Please Help me CFPB? I really need to get this resolved asap and I do not want to pay any interest charges or foreign transaction fee which they are already charging me! Help a XXXX out in the XXXX XXXX! I'm sleepless in XXXX because of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : During months of Mid-XX/XX/XXXX - XX/XX/XXXX Company : Equifax Inc.
Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some U.K. and Canadian residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Due to this incident, I believe that my personal information such as SSN, Addresses, Credit Card numbers may have been published on the internet. This places my identity at high risk of theft and makes me a prime target. I would not be placed in such situation if it was not for the lack of security at Equifax Inc.
Product: Debt collection

I was issued a summons XX/XX/year>. I have made numerous calls to inquire about this debt and no one ever calls back or answers the phone. I emailed them and no one replies back to emails. It seems they just want the judgment issued so that they can garnish me, and that seems extremely predatory, not even giving me an opportunity to make arrangments to pay the bill.