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

I am AUTHORIZED on my sons Capital One Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.
Product: Credit reporting or other personal consumer reports

For the past 6 months i have been trying to fix my credit and i have been getting the run around or stall letters or being told that my accounts are verified and accurate but when reviewing my credit reports the accounts in question are still inaccurate ( which is a violation of 1681e ( b ) ( b ) ) and when told to verify how they validated these accounts and conducted their investigation i do not get any communication back and am not provided the information requested ( which is a violation of 1692g ) my accounts that are in dispute also dont reflect that on my credit report ( violation of 1692e ( 8 ) ) and it has been way past 30 days.. 

i have attached all letters and communication via pdf to review
Product: Credit reporting or other personal consumer reports

My credit is being fraudulently ran by companies that i didnt authorize them to do.
Product: Credit card

I ordered a XXXX set from Ohio XXXX XXXX. This co. then told me they could NOT ship it without a prescription and to order the mask components as XXXX separate items. So I cancelled the order and placed another order for the XXXX separate items. I got XXXX XXXX set but XXXX bills for the full amount of the mask set. I disputed the bill with Chase who issued my Amazon Credit Card. BUT Chase sent me a dispute form for signature AFTER the close date to return the form!! This of course made it impossible to dispute the charge, but I sent it in anyway and complained. Chase did nothing to help but rebilled the charge to me.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are allowing the creditors listed below to fraudulenty report negative items on my credit report. I've sent several letters to each bureau and the collection agency to verify the debt and remove the accounts and they have all failed to remove the following information from my credit report. My last letter was sent in XXXX. 

The following accounts are still being reported on my credit report and they should be removed. 

Creditor Name : XXXX XXXX XXXX, Balance : {$840.00} Account number : XXXX. Date opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX, Balance : XXXX, Account Number XXXX XXXX, Date opened : XX/XX/XXXX Creditor name : NAVY FEDERAL CR UNION, Balance : XXXX, Account number : XXXX, Date opened : XX/XX/XXXX Creditor name : XXXX XXXX Account Number : XXXX, Date opened : XX/XX/XXXX XXXX
Product: Debt collection

Midland Funding ... ..I sign onto their website ( with my name dob, & last 4 of my ss # ), and it gives me someone else 's name and debts ( not even close to my name ) ... .to me that is a breach in the other person 's personal information. I called this XXXX company and they don't want to do anything about it or even acknowledge it is a problem. So just know, they will let anyone see your information and not even care!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.
Product: Mortgage

My home is currently in the foreclosure process. We went through mediation and I was offered a trial modification, I made all of the payments on time and continued making payments after the initial trial period. I was told I would receive a package in the mail when I successfully completed the trial payment plan but never told when to expect it only that it would arrive at some point after the 3 months were successfully completed and that I should continue making payments in the interim. I received the package late since the delivery service did not put it in my mail slot, it was mixed up with a neighbor 's mail. When I finally did receive it, a month later, I returned the completed documents within 24 hours. My modification was rejected stating they hadn't received my completed package. I appealed and was rejected now citing completely different reasons for the rejection. They claimed my income could not support the mortgage payments however I had been making the payments under the trial plan as agreed and continued doing so after the initial trial period. My income had in fact increased by 30 % from when I initially purchased the home. One of the contributing factors behind me falling behind on my payments was that they increased my payments by {$300.00} per month without any notice and when I called to see why my payments were increased they were unable to provide any reasoning. I am a single parent of XXXX so this created an undue hardship in conjunction with other unforeseen circumstances. I am able to pay my mortgage and would like to continue doing so but they seem intent on foreclosure.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Hello. 

I am filing this complaint due to an issue with the promotional bonus on a CitiBusines XXXX credit card not being honored. The promotional bonus was XXXX XXXX miles if {$3000.00} in spending is completed within the first three months. The spending was completed as required and Citibank is refusing to honor the bonus stating that it is only available once every 24 months. I can confirm that there was no restriction on this application stating that this bonus was only available after 24 months. 

I sent a secure message about this but there was confusion because they claimed I was already provided the miles on XXXX/XXXX/XXXX. However another representative looked further into this and was correct in determining that those miles were provided to my account due to an error on another card account ( ending in XXXX ). So to be clear, they finally honored a bonus they were disputing on another credit card account, but made it clear that they could honor this one with evidence regarding the promotional bonus. So, they then requested evidence that my current account number ending in XXXX had a bonus associated with it. Including the request Please send a copy of the front and back of the offer you received on your Citi Business American Air World account ending in XXXX. 

This request for front and back does not make sense, however. There is no front and back of an offer. This was an online application link that was not related to a mailed offer. Below is full link that was used at the time : https : //www.citicards.com/cards/credit/application/flow.action? XXXX & XXXX & XXXX & XXXX & XXXX The evidence I can provide are screenshots from my application. It is clear that they do not show any language relating to the bonus not being available within 24 months of any AAdvantage card being opened or closed. 

I already faxed this dispute directly to Citibank with evidence on XXXX XXXX, XXXX and have received no response. On XXXX XXXX, XXXX I sent this same dispute by mail and in almost a month have received no response. So now I am forced to file a complaint with the CFPB regarding this issue. 

Thank you for looking into this and your prompt response.
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting that the account is terminated. I was only a authorize user on that account. The account is still active and the only change was the account number. 
account : XXXX XXXX XXXX
Product: Credit card or prepaid card

I believe that Comenity Bank intentionally deceived its customers including myself in regards to promotional financing offered through its account. I can explain it in two steps. 

# 1 The first being paperless statements. We all want to do what's right for the environment so when the option to enroll is available I click yes. So I did. Problem is they list the promotional finance summary on PAGE 3 of the statement. This is not available or shown AT ALL on their companies WEB INTERFACE. It doesn't exist. 

# 2 Is the web payment options. There is none. It is the only credit card I have that didn't have the option of enrolling in RECURRING PAYMENTS. After all, If I sign up the promotional financing instead of the reduced price on the item purchased, I'm obviously planning it out to pay all of the financed amount off in a 12 month or less period. Comenity didn't have a recurring payment option until recently. I believe this was intentional on their part and the retailers. The customer chooses to pay the higher sticker price to get the reduced financing charges. The finance company then makes it impossible to set up recurring payments and in turn its a double dip. 

The reason for this email is I was dealing with a parent in hospice from XX/XX/XXXX -  XX/XX/XXXX and I did not know that my promotional period was ending. So when I made a payment it was too late and I got whacked for {$770.00} worth of finance charges. When I asked them to remove this and explain my situation in a calm manner they said NO. This is a disgusting business practice and Im sure it has happened many times over. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Product: Credit card

I signed up for a best buy CitiBank card around XX/XX/XXXX. The terms were not explained to me by the employee that had signed me up or an information packet and the employee unbeknownst to me at the time did not put in my address details completely correct. 

I was told my card would arrive in 7-10 days per an email directly from Citibank. I waited longer than this to contact them due to slow postal service times however I never received my card in the mail. 

I received a voicemail from Citi that my card had been returned because of an address issue ; when I contacted customer service I was told I would not be able to update my address to receive the card unless I was able to verify my account, however, to verify the account I would need the full account number, which I did not have since I did not have the physical card. I was told to wait a period of time ( a few hours ) and I would be called back, but never was. 

Next time I called I am unsure about ( a few times in XXXX ) but I was similarly told the same except I would receive a letter instead, but I would not get the letter since my address on the account was still not updated. After talking to another customer service agent, I was told my account would be placed on review/hold for XXXX days and to wait for notification from Citibank to be able to verify my account. I had never received text, email or voicemail regarding this after XXXX days. Last call XX/XX/XXXX I was told I would be contacted and would need to call back once that happened most likely within XXXX hours. This has still not happened. 

Similarly throughout this process, I am told I am unable to close the account according to customer service reps because I can not verify it. This means I can not even pay the account fee on the card itself, let alone use it. I also can not use the online portal due to not having the physical card ; I can not make an account without the full card number. I have been asked for exceedingly personal information about my account ( e.g my SSN ) so there is no reason I should need to further verify anything to simply change address or close the account outright that to this day has not been used and is unusable.
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : 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
Product: Debt collection

so call debt was paid in full no XX/XX/2018 voucher # XXXX
Product: Credit reporting or other personal consumer reports

I mailed EQUIFAX a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion regarding their repeated failure to adequately address my dispute letters concerning inaccurate items on my credit report. I sent these dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each of these letters included copies of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received identical responses from TransUnion on XX/XX/XXXX, and XX/XX/XXXX, stating that they couldn't process my requests as it didn't appear that they were sent directly by me or an authorized third party. This consistent failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of all my dispute letters sent to TransUnion, along with their responses, as evidence of my repeated attempts to resolve this matter.
Product: Debt collection

Aargon AGENCY Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Sent a collection attempt saying I owed a {$1800.00}. When I logged on to view the account online through the instructions on the document sent it shows one payment of XXXX plus dollars to which I did not pay, have no idea where this alleged payment, would like an entire summary of this alleged debt to which my belief is total fraud. In addition this has all the earmarks of a fraudulently, deceived disclosure, and a breach of Consumer protection Act. Fleecing of my trust account violating Title 18 USC-1028a-Aggravated Identity Theft, Consumer protection Act, breach of trust, trust laws violated, theft, Title 15 USC-1600-1681, Title 18 USC-8 shows all bills are prepaid. The reality is I, the natural man knows the entire process according to the laws within USCodes, UCC, CFR, and Commerce. The fleecing of adverse claims submitting fraudulent claims against my all caps corporate transmitting utility vessel to operate in Commerce for business. The unauthorized collection service against my trust were done without my direct written consent. This violates Federal Reserve Act, Emergency Banking Act, Birth Certificate Act, SECURITIES Exchange Act, Bill of Exchange Act, as well as many more.
Product: Checking or savings account

I submitted complaint number XXXX on XX/XX/2023 with the Consumer Financial Protection Bureau XXXX On this day, XX/XX/2023, I received a response from financial institution Ally Bank. Their response to my complaint and overall complete lack of support would encourage fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

The response provided by Ally Bank did not address my issues, it provided just a dated summary of actions. Ally Bank did not address my issues in my complaint. I provided detailed information regarding the fraudulent activity and none of it was reflected in their response. 

I have been a faithful accountholder with Ally Bank for seven consecutive years. I do not agree with their decision to close my account as I was a victim of fraud. I understand and agree with their terms of agreement ; however, I was coerced to send the funds. I did not send them voluntarily. Therefore, my circumstances does not place me within category of their terms of agreement. 

When I did gather the courage to dispute the transactions, I was not contacted by an investigator as promised. It was important that I communicate with an investigator as there were extensive details explaining the coercion and inhumane treatment which was not reflected on my account/transaction summary whatever. 

The moment I withdrew my disputes out of fear for my life, Ally Bank made no effort to question my decision. They immediately followed protocol to withdraw the dispute, whereas there was no followed protocol when the disputes were implemented. 

As a victim of fraud and a loyal accountholder, I was sure that my financial institution would support me, at minimum, by reaching out to me. I received absolutely no support from Ally Bank. 

By disputing the transactions, it resulted in me losing my account. 

This encourages fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. 

Additionally, XXXX completed closed my account with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX  XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.
Product: Credit reporting or other personal consumer reports

15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXX XXXX ) ACCOUNT ( XXXX ) Has violated my rights
Product: Debt collection

This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 an 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.