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

This complaint is regarding Comenity Bank - Victoria Secret Credit Card. In XXXX, 2021 I paid off the entire outstanding balance on my Victoria Secret Credit Card ( Comenity Bank ) of {$56.00}. Following, I did not receive a statement, and did not log into my account as it was paid off. Later, in XXXX, 2021, I received a Victoria Secret statement with a balance owing of {$62.00}. After researching my statements it appears in XXXX, 2021 the bank charged a {$2.00} fee on a {$0.00} balance account. Representatives from a Comenity call center ( offshore, XXXX ) could not explain why I received the fee. The {$2.00} fee accrued additional fees, including late fees, and now I am advised I owe a balance of {$62.00}, due to a {$2.00} fee that was charged in XXXX, 2021. It appears fees have been capitalizing over the past several months. I was advised I must pay the fees, later I was told the fees may be waived as a one time courtesy. 
I would like the fees to be waived, but more importantly, I would like the bank to discontinue the practice of charging fees on a {$0.00} balance account with additional fees on top of fees as well as late charges accruing and charged to an account that has been paid off and has a {$0.00} balance.
Product: Checking or savings account

On XX/XX/year>, Wells Fargo Bank reversed a provisional credit provided to me. Wells Fargo admitted in a telephone call on XX/XX/XXXX, that they did not investigate the complaint in that after the chargeback was initiated they never contacted the original Merchant. They never investigated the claim and removed the provisional credit despite my sending them evidence to the contrary. I clearly prove damages I have a recorded phone call if anything that they violated visas  policy by doing the reversal and now I realize that they violated federal law because they never meaning fully investigated the matter.
Product: Credit card or prepaid card

I had paid this credit card off completely & was charged without knowledge by Bank of America {$1.00} & they canceled the card for no use by me but never notified me of their charge to the card. I had paid all charges to a XXXX balance on my part & they charged my card {$1.00} with zero notice to me & canceled my card for my non use of the card & then submitted it to the credit bureau ruining my credit. I spent hours & hours on the phone stating my claim with absolutely zero help from BofA reversing this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with Equifax and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My Paypal account was hacked and money was sent from my account to a XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question ( Paypal Credit ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint to the CFPB because I noticed inaccurate accounts being reported from TRANSUNION. I want to ensure compliance form this consumer reporting agency for a Notice of Dispute I am submitting to them in accordance with the FCRA.
Product: Checking or savings account

Every month NetSpend seems to say I have over taken money from my account but the statement show different to I have had 5-10 new cards sent to me because of charges I didn't make like now I have a dispute for XXXX dollars of charges that are not mine nor are the things charged are on my name and haven't got any thing back and was charged for another card which I should get on XX/XX/XXXX. I have an all access account and a prepaid XXXX account. They also never refunded my account from XX/XX/XXXX after the casino over charged me for XXXX dollars which they said they did give me but they never did nor dose my statements show it to they charge me fees but I pay a month service charge for the account to I have every card they sent me and documents showing proof yet nothing I just want all my money back. Been a customer since XXXX. My name is XXXX XXXX number XXXX and social security number XXXX
Product: Debt collection

I was in the XXXX  of XXXX XXXX XXXX on XXXX XXXX, XXXXThe intake person asked for my credit card right away. She said there was {$100.00} copay and I said OK. On XXXX XXXX, I received an invoice for {$100.00}. I called the XXXX and spoke to XXXX. I told her about my visit and she said in Florida, Doctors bill separately. I then called my Insurer, XXXX  XXXX XXXX, spoke to XXXX on XX/XX/XXXX, and he said I don't owe anything. I called back XXXX on XX/XX/XXXX and told her this story. She said she would call back XXXX  XXXX. I heard nothing after that until, XX/XX/XXXX when I got an invoice from Care Payment, which is a collection agency for XXXX XXXX. I called them back and they said I should call XXXX. I called, spoke to XXXX XX/XX/XXXX, and she said I should show a copy of my credit card statement. I said I had a few credit cards at that time and they were hacked, shortly after the XXXX XXXX. I said I can't get information on the closed accounts. I asked why they waited almost one year to send me an invoice, and they just apologized.. 
This company, Care Payment is really a collection agency, read comments about them : XXXX XXXX XXXX, MI They are a predatory collection company. I have paid in full and still receive monthly XXXX fees increased each month. I have never asked for their services and would not recommend them to anyone. 


I'm sick and tired of receiving fake hospital bills from these XXXX. They are frauds and need to be dealt with by state and federal regulators. 
XXXX XXXX XXXX, NY
Product: Credit card or prepaid card

My identity was stolen to open a private label Capital One Kohls account at XXXX Sunday XX/XX/XXXX I received email receipts of XXXX watches being purchased in an account in my name I did not open I received an immediate alert from XXXX and XXXX monitoring. 

I tried to call Kohls credit card department and was informed they dont open until XXXX on Sundays!! 

In the meantime I saw more receipts for more fraudulent watch purchases I have a general purpose Capital One card and called them and told them the problem. They told me they have no access to the private label credit card system. My response was the same ultimate bank is granting private label and general purpose unsecured credit and you have no exchange of information between the two businesses. 

He said yes. I have no idea how Much the private label credit line is or whether it is delinquent when I look at that credit in the general purpose card system Therefor Capital One has no idea how much credit they are giving to the same client across their unsecured consumer credit businesses and if a client defaults in one business it does not automatically Impact the other business This is horrible risk management and they should be in the penalty box and not pay any shareholder dividends until fixed XXXX XXXX XXXX Investment Banking and unfortunate Capital One client
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.
Product: Credit card or prepaid card

On XX/XX/2023, {$950.00} dollars was sent out of my account to someone I dont know my email address and phone number was changed on the account as well I called chime immediately which they disputed the {$950.00} dollars and said they were working on getting my account back but it could take up to 3 days my card was supposed to be canceled and a new one sent to me. I had to send in my identification 4 seperate times to get my account back when I finally could log in I see that they refunded the money but the guy took it again because the lady didnt cancel my card like she was suppose to I called back they said they were sorry they would dispute the transaction again and would file a comaint against the lady who failed to cancel my card the dispute came back with no error occured and they arent giving my money back
Product: Credit reporting

The CARD Act requires that my credit card due date has to be at least 21 days from the day the statement is sent. So, that 's 21 days plus 30 days before any late payments are reported to the credit bureaus ... or 51 days. My account with Care Credit / Synchrony Bank was not 51 day past due. Nonetheless it ( my account ) is inaccurately being reported to multiple credit bureaus as a late payment.
Product: Checking or savings account

On XX/XX/2020, XXXX {$65.00} from my checking account. This transaction was neither initiated nor authorized by me and I did not purchase anything from their website. In fact, the company does not have my current debit card number. Therefore, I do not understand how it obtained access to my bank account. I have contacted the company 's customer service and made it clear that I have no account with the company and that the debit from my account was the result of fraud.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I am writing to formally dispute the inaccurate payment history for my XXXX XXXX XXXX account ( Account Number : XXXX ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which allows consumers to dispute inaccurate information in their credit reports. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) Nature of Dispute : The payment history for this account indicates that I had late payments during XXXX and XX/XX/XXXX. However, this information is inaccurate, as the account was in deferment during that time. Therefore, there should be no record of late payments for those months. 

Requested Action : I request that you immediately correct the payment history for this account to reflect that there were no late payments during the specified period. If these inaccuracies can not be corrected, I ask for the complete removal of this account from my credit report, as it does not accurately represent my payment history.

Please provide me with the results of your investigation as required by 15 U.S.C. 1681i. Additionally, I request a corrected copy of my credit report reflecting any changes made.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX Dear DRS, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Mortgage

I pay my mortgage monthly online via XXXX XXXX XXXX. It arrives by the XXXX. My bill states that if my payment arrives after the XXXX of the month I will be assessed late fees. 
I confirmed with the bank all dates of delivery were by the XXXX th at the latest. 
I called CMG motrtgage and complained about the late fees being tacked on. They reversed them. 

I suspect I am not alone in being charged unnecessary fees by this mortgage lender, I suggest someone look intro the issue. 
I was kept on hold twice for 15 minutes while they supposedly fixed the problem.
Product: Credit card or prepaid card

Citi Best Buy has failed to readjust the minimum amount since the previous months minimum amounts were due to fraud charges taken my balance higher than it should of been. They have failed to readjust the minimum amount and give a credit for the amounts overpaid the last few months. Additionally my online access is blocked partially. I have repeatedly talked them about these matters with no resolution as of yet. Still waiting on the new card as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially reached out to RateGenius for a potential auto loan refinancing. 

I noticed that they did hard inquiries, so I canceled the request. It shows canceled on their dashboard. 

16 days later, I received a notification that a hard inquiry was pulled on my from a company working with RateGenius, the new company working with RateGenius is called XXXX. 

I'm currently discussing the issue with the representative from XXXX assigned to my refinancing loan ; he has currently asked if I finished an application at XXXX this morning my time, to which I said no.
Product: Credit reporting or other personal consumer reports

There is a need that consumer reporting agencies exercise responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 15 USC Code 1681B Permissible purpose of consumer rights. In addition consumer reporting agencies may only furnish under certain conditions. Number one is written instructions from consumer to whom it relates. Number two order of a court such as an order, subpoena issues with proceeding to a Federal grand jury. So far my rights that were violated are 15 USC 1681 ( a ) ( 4 ) upon Consumer right to privacy 14 USC1681b ( a ) ( 2 ) No permissible purpose/No written instructions The Fair Credit Reporting Act ( FCRA ) regulates how consumer credit information is collected, reported, and used by credit reporting agencies ( CRAs ) and creditors. In relation to bankruptcy, the FCRA includes provisions to ensure accuracy, fairness, and privacy in the reporting of bankruptcy information on credit reports. 

One key aspect of the FCRA related to bankruptcy is the requirement for CRAs to obtain permissible purpose before including bankruptcy information on a consumers credit report. Permissible purpose generally refers to a valid reason for accessing a consumers credit report, such as in connection with a credit application, account review, or collection activity. 

Under the FCRA, creditors and other entities that report information to CRAs must have permissible purpose to furnish bankruptcy information. Additionally, CRAs must have permissible purpose to include bankruptcy information on a consumers credit report. This means that bankruptcy information can not be reported or included on a credit report without a valid reason or authorization. 

If bankruptcy information appears on a consumers credit report without proper authorization or permissible purpose, it may constitute a violation of the FCRA. Consumers have the right to dispute inaccurate or unauthorized information on their credit reports under the FCRA, and CRAs are required to investigate and correct any inaccuracies within a reasonable timeframe. 

In summary, the FCRA prohibits the reporting of bankruptcy information on a consumers credit report without proper authorization or permissible purpose. Violations of these requirements may result in penalties for the entities involved and potential remedies for affected consumers.

In addition I have provided a copy of my letter from Bankruptcy Court stating they dont report to consumer agencies. 

In addition consumer reporting always state account Verified. How was account verified under investigative consumer report included personal interviews with neighbors friends, or associates. Although XXXX keeps case file documents of all district, bankruptcy, and appellate courts. Consumer agencies, and secondary agencies would have to Fish for information on consumer. Once again that would be a violation of Privacy 15 USC 1681 ( a ) ( 4 ). 
We are at a total of XXXX XXXX dollars for my violations. I will due additional pages and refer to this file
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Good evening. 

My name is XXXX XXXX, I am contacting you all in an agregiance attempt to remedy an ongoing issue that I have been experiencing with TransUnion. I have repetitively sent letters to the agency with the most recent tracking number of XXXX to assist with the inaccuracy of my reports. The agency has persisted on accusing me of not sending these requests on my behalf. They have even went to the extent over the phone to tell me that I could be a credit repair company calling in. Now, they pretended like they were going to open my dispute and they sent me a letter stating that what I sent was illegible and not valid just another reason for them to not correct the errors on my reports. They have attempted to exploit my rights to dispute via mail and have repeatedly tried to coerce me into disputing online or over my phone, which I have stated that I do not want to do. I have been advised a manager that they will continue to deny my disputes until I dispute via online or phone. 

We can agree that these actions display several violations under the FCRA, we can also agree upon review of my file that they have never conducted a proper investigation to my accounts. I am pleading as my final chance of waiver before litigation. 

Please review my file and the attached documents
Product: Credit reporting or other personal consumer reports

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.