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

So I use the card frequently for online gaming purchases with two different merchants operated by the same company. The merchants are chumba, and luckyland and they are operated by a outfit called XXXX ( virtual gaming world ). Now I make frequent purchases throughout a session and what began happening is that when I would go to process a payment it would initially come back and say failed please try again so I would go back and try it again and then it would go through. I assumed it was some kind of network error, or perhaps connectivity issue and thought nothing if it since it always went through the second time. Well it wasn't until later that it was brought to my attention by another user of the website that he was being double charges that I went back and looked and sure enough going to XXXX they have been double charging me on those occasions. I know this for a fact because I don't make two or three purchases in matter of minutes, in fact often within the same minute!! So I disputed the instances I found that I was sure of and the cash all people granted several of them and denied a bunch of them. I don't know how they grant half of them an then say that the others aren't valid when they are the exact same issue.
Product: Credit card or prepaid card

I have been the victim of identity theft in XXXX and XXXX. I have had multiple attempts of fraudulent activity using my stolen identity to open credit cards, XXXX accounts, checking accounts and had my phone number remotely stolen. I have still an unresolved hard inquiry still showing on my credit reports that are affecting my credit score and I would like this removed. XX/XX/XXXX - Comenity Bank, XXXX XXXX XXXX fraudulent attempt to open a credit card at XXXX XXXX department store. I have never been to a XXXX XXXX department store in my life, nor have I tried to open an account with them. I did dispute this inquiry with Comenity Bank and they did confirm this was unauthorized. They sent a letter confirming this fraudulent activity on XX/XX/XXXX and they wrote they would notify all credit bureaus. However, XXXX and XXXX still have not removed this hard inquiry and both requested I fill a dispute with FTC.gov. I have tried multiple times as well this year to contact XXXX XXXX directly as well but they do not answer their phone calls.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the persistent inaccuracies and misinformation regarding my XXXX XXXX XXXX XXXX account listed on my credit report. Despite previous disputes and correspondence, the inaccuracies persist, adversely affecting my credit profile. 

On XX/XX/year>, I initiated a dispute with TransUnion regarding the inaccuracies on my credit report ( CFPB case number : XXXX ). However, despite TransUnion 's email on XX/XX/year>, stating that the dispute was resolved, the inaccuracies remain unchanged, and additional misinformation was added to the account on XX/XX/year>. 

Furthermore, the previous CFPB case from XX/XX/year>, remains open, indicating that TransUnion is still working on resolving the issue. 

Despite TransUnion 's assertion of resolution on XX/XX/year>, I have not received my full file disclosure as requested, further impeding my ability to address these issues effectively. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that this matter is resolved promptly.
Product: Mortgage

This is a second complaint to follow up, as the feedback received, which is attached is incomplete and they requested additional information, as otherwise, without it, they are refusing to provide the legal protections afforded to us by CARES Act due to their mistake. 

I send an email to the company today, to respond to their letter sent via my prior CFPB Complaint. 

The company failed to record successfully the call on or about the XXXX of XXXX requesting that CARES Act forbearance be added to the account either effective XX/XX/2021 or XX/XX/2021. The Agent quickly said no problem and that a confirmation would be forth coming, etc. 

My son, who I am the non-owner-occupied cosigner on, also listed his house to sell, given the financial impact being placed upon him due to COVID, was getting the house ready for listing and never paid attention to the confirmation. We listed and successfully sold his home ; however, I got a credit monitoring notification that a negative posting had happened to mine and his credit. Seeing it was the mortgage, KNOWING he had called and requested it, we immediately called to let them know of the mistake. They are refusing since they have no documentation of the call in their records to apply the CARES Act protections, since the loan is also paid in full. 

The call was quick and it now makes sense as to why the call wasn't documented properly, etc. I have now provided the date of the call and once again requesting that CARES Act protections be applied to the account effective either XX/XX/2021 or XX/XX/2021, which would then update the credit account to current, as this loan in it's entire history has never been late, even prior to this servicer taking this on. 

Lastly, to add insult to injury, I was never called and/or contacted about the delinquency in XXXX as had I been, we would have caught their mistake in the month of XXXX and it would have been an easy solution to fix for them and us. Yet, when I asked on one of the calls and many transfers, they said my number was not consented. Sure, it is a cell phone number, but they can call dialing with Agent intervention to let me know the loan was past due. Their process failure to call me, as most servicer do, using manual dialing to avoid TCPA violations, further makes this interesting, as one call would have prevented this mistake, that I only learned about via credit monitoring. 

With this said, I once again, implore the company to provide the protections, that I am legally allowed to have, that are being continually denied me, due to their mistake in handling one call. Instead of doing the right thing, they are choosing to make this difficult since the loan is paid in full. I will continue to advocate Texas AG, Texas Senators and US Representatives that a company mistake, which happens, is not being resolved using the information provided, since this came to light discussed in calls and in emails to the company prior to filing the CFPB compliant and this follow up compliant. 

I hope this resolves this matter before I notify the parties listed above and explore other available options. 

Thanks! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX my wife spoke with the manager XXXX XXXX and authorized XXXX XXXX to submit a credit application to XXXX XXXX XXXX XXXX XXXX XXXX on my behalf. She specifically communicated that my credit was not to be shopped around or submitted to multiple banks without either of our authorizations. Further, the authorization given by my wife was only to use XXXX because she was keenly aware that Equifax was still reporting inaccurate information on my report that would result in a denial. 
I have already spoken with the finance manager, XXXX about the unauthorized inquiries and he attempted to make me complacent with the inquiries by telling me their impact will neutralize after 90 days. I do not feel this is fair, being that I did not authorize them to submit my credit to so many institutions. My wife wrote the general manager an email expressing her concerns about the unauthorized inquiries but he did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 


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

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

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason
Product: Mortgage

We made changes to our homeowner 's insurance and need to adjust the monthy escrow payment with Specialized Loan Servicing. I just need to talk to a person. The number for customer care is XXXX. It took my husband and I three afternoons, ridiculous telephone loops, 30 minute wait time and by the time we might have fund the right department they hang up on you! This happened three times in three days. All I want is to talk to them about adjusting my escrow balance. I just only want them to call me.
Product: Mortgage

I refinanced my house. I signed up for an automated EFT payment unknowingly, cancelled it, and never received my refund. 

In researching this, it was discovered that my bank account was also debited a high amount for someone else 's mortgage. The bank accidentally key-punched my banking information for an EFT withdrawal for another mortgage that wasn't mine. It took a dozen phone calls to customer service including supervisors to resolve this. I was told i would get the money back immediately and it took 7 business days. My bank account was wiped out due to a mistake by PNC bank. Not one time did anyone call me to say it was resolved or was being resolved. I had to follow up daily and tell my same story repeatedly to each customer service rep. The supervisor who promised to take care of the situation gave me her direct line, but never answered or returned my phone calls. The mistake of someone's mortgage was resolved, but i called today and still have EFT 's set up even though i was told they were cancelled 3 times and no one can see where a refund check was sent to me. I was promised it was mailed on XX/XX/20. This is the worst customer service situation i have ever encountered and shame on PNC Bank for taking unauthorized money from my bank.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. 
This fraudulent, inaccurate, and false information consists of an account opened at XXXX  XXXX  # XXXX date opened XX/XX/XXXX, XXXX XXXX # XXXX dateopened XX/XX/XXXX, XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX XXXX  # XXXX date opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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.
Product: Money transfer, virtual currency, or money service

My unemployment payment was deposited into my cash app account on XX/XX/XXXX and XX/XX/XXXX of total of {$3300.00} from a XXXX. I have request cash app to refund my money because i dont know this person and no response or refund from cash app
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several hard inquiries that I did not recognize or authorize. These false inquiries appeared on both XXXX and Equifax reports and included entries from various banks, auto dealerships, and finance companies. It seems that these inquiries were either the result of clerical errors or potentially unauthorized attempts to access my credit information, possibly indicating identity theft. 

I did not apply for credit with these institutions, nor did I seek any new auto financing around the time these inquiries were made. To address this issue, I have contacted the creditors involved to verify the legitimacy of these inquiries. I am also in the process of disputing the unauthorized inquiries with the credit bureaus to have them removed from my report. Additionally, I have placed a fraud alert on my credit files to protect against any further unauthorized activity and am closely monitoring my credit reports for any other discrepancies. 

XX/XX/year> XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX  XXXX XXXX ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX ( XXXX  ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX ( XXXX  ) XX/XX/year> XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( XXXX  ) XX/XX/year> Equifax reporting XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 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 or prepaid card

My complaint is with lack of transaction record traceability and possible data breach with CIticard. 

On XX/XX/2019 at XXXX XXXX  Eastern, I made three transactions with XXXX on the XXXX website for a total of approximately {$5600.00} using my Citi credit card. I received a total of 8 standard alerts from Citi - 3 email and 5 text - confirming that these three transactions were made and that my card was not present. Standard stuff. When the merchant did not acknowledge payment within about an hour, I went to my Citi online account and saw the 3 transactions in " pending ''. I waited all day for confirmation from Citi and/or the merchant, and finally received an email from XXXX at XXXX XXXX  Eastern time on XX/XX/XXXX stating that XXXX not yet been paid. They said that I need to pay them within the next few hours or else my reservation will be cancelled. I immediately called the merchant ( XXXX ), and they said that my credit card company declined the transactions ( they should not have declined them since I have over {$21000.00} in available credit ). I then went back to my on-line credit card account, and discovered that the 3 " pending '' transactions had disappeared. So, I then called Citi, and spoke with 4 reps : a customer service agent, a fraud agent, a second customer service agent, and then finally a fraud supervisor, XXXX, in Citi 's Florida center. 

The first three agents were no help at all. Not only could they not explain why the transactions were declined, but they also could not even find any record that I had even attempted them. I tried to explain to the reps that I was a little gun-shy with Citi after my previous Citicard number had been compromised in the XXXX XXXX data breach last year, but they were unable to trace any of the 3 transaction on my account or see any of the 8 alerts. When I explained that I had 8 email/text alerts from them, and that I had previously seen the transactions on their website, they totally dismissed me. Very poor customer service. 

XXXX was much more helpful. She still could not see any record of the 3 transactions, but she at least acknowledged the alerts. She said that she will investigate and call me back within 24-48 hours. In the meantime, I have had to lock my card in case Citi is experiencing another breach. 

So far, I've wasted more than an hour on this incident, I've lost the use of my credit card, and I might lose my vacation rental reservation. 

How can Citi simply lose all record of my transactions and their email and text communications to me?????

I need Citi to fix this situation.
Product: Debt collection

XXXX/2017
XXXX
Wrong company report debt -never mine
HIPPA Violation
Medical Bill
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

The obvious infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I have a credit card for The Childrens Place  and that is three Comenity Bank. Ive had this account for several years and over the years this bank is constantly raising and lowering the credit limit. I always pay my bill and every few months pay it off in full. About a month ago I paid it in full ( roughly 1200.00 ) and they lowered my credit limit. About a week after paying it off they raised the credit limit to {$1100.00}. Yesterday I received an email that they lowered my credit limit again to {$740.00} and then today I received a letter my credit limit is {$1100.00} but the bank is saying its only {$750.00}. I am so utterly confused by what this bank is doing to my account. My credit score is over 650, I only utilize 10 % of my credit balances and I was just approved for a major credit card last week. I really do not want to close this account because they have a decent reward program but the games they play are unreal.
Product: Checking or savings account

In   XX/XX/XXXX  ,  WELLS FARGO B ANK in Florida,  XXXX   XXXX , added an extra Premium Checking account ( ended  XXXX  ) without been authorized by us.   Late fees and charges been added, for many months jeopardizing our financial reputation.   As today,   XX/XX/XXXX  ,  W.F.  personal banker in  XXXX   XXXX , was not able to provide to me, any document, statements nor authorization and I requested to close the account.   A case #  XXXX  was created and the latest fee was credited.