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

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in  order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, ( OAG ) Office of Attorney General account XXXX, has violated my rights. I never written a letter of instruction to furnish an account with out my consent, which leads to a violation of my privacy that protected by The Consumer Law. OAG Experian violated Consumer Law rights to ( XXXX XXXX ) privacy without a written instruction from ( XXXX XXXX ). Consumer Law 1. ) 15 U.S.C 1681 Section 602 A- States that I the consumer ( XXXX XXXX XXXX have the rights to privacy. 2. ) 15 U.S.C 1681 Section 604 A Section 2-States that a Consumer Reporting Agency can not furnish an account without the consumer ( XXXX XXXX XXXX written instructions. ( PLEASE REMOVE ACCOUNTS )
Product: Credit card or prepaid card

I filed a claim in XXXX for a package that was not received in XXXX. The item was a trampoline that was set to arrive in two parts. Only half of the item arrived thus making the product useless. The merchant agreed to refund me but said the credit card company would need to use an authorization code to reverse the other half of the charge. I reached out to them countless times and each time Ive been told its being escalated. Its been four months and nothing. Barclays has the worst customer service representatives and I urge everyone to reconsider when opening a line of credit with them. Their dispute process is lengthy and unfortunately very frustrating to navigate. As you can see in my documentation, the full {$440.00} was charged to my card. Days later, XXXX refunded me {$220.00} which is half the purchase price. Since the item was shipped as two different boxes and we only received one, we only had one box to return to the store however, we are still missing the other half of the order which is what we are disputing.
Product: Payday loan, title loan, personal loan, or advance loan

This debt collector have not provided me proper debt validation for this debt. Please delete this from my credit report. 

Also, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

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 items 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 are 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX   XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  Number : XXXX DOB : XX/XX/XXXX XXXX Date : XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX : Dispute of Unauthorized Hard Inquiries on Credit Report. 
Dear PENFED Customer Service, I am writing to formally dispute some hard inquiries that were placed on my credit report by PENFED on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; This inquiries were related to a pre-approval application for a credit card and a car loan. Since I was only seeking pre approval, I did not expect or authorize any hard inquiries to be conducted on my credit report, as this type of action is typically not required for preliminary evaluations.These hard inquiries are currently affecting my credit score, which I believe is unfair given the circumstances and can affect me for future credit application. I request that PENFED immediately remove these hard inquiries from my credit report as they were neither authorized by me in the context of a simple pre-approval nor were they necessary. 
Also I dont know if you are aware but in the pre- approval application page It clearly says that it will only be a soft pull and WILL NOT affect my score ( see document attached of the application page ) Please confirm in writing when this hard inquiry have been removed. If you require any additional information from me, feel free to contact me at cell phone number XXXX or email me at XXXX Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

I have had a secured credit card with capital one for several years now. I initially secured the credit card with {$500.00} usd and they have since increased the limit to {$600.00}. I am submitting this complaint because it has come to my attention that this was in fact a consumer credit transaction and Capital One taking a down payment from me in a consumer credit transaction is fraudulent. I have also become aware that the account is in billing error under 15 usc 1666 ( b ) and therefore Capital has forfeited their right to collect. it has also come to my attention that this card is part of an open ended consumer credit plan under 15 USC 1637, but the account has not been balancing out every month using the funds from my trust account as it should. Instead Capital One has been benefiting from unauthorized use of my open ended consumer credit plan while I have not.
Product: Bank account or service

I received a new debit card in the mail for XXXX of my checking accounts ( debit card XXXX ). I did not request a new card for that account because I never use a debit card for that particular account.I called to get a PIN for it on XXXX/XXXX/15 in which I have not received as of yet.Over the weekend I was unable to make purchases, use my card as a credit transaction and retrieve cash from the ATM from my other checking acct ( debit card XXXX ) in which I always use a debit card for. It kept saying wrong PIN.I called and emailed Chase today and was told that the PIN was sent on the wrong account and that I will have to go in to a branch or wait for the new PIN to come in the mail.My work schedule makes it very difficult to do that and I and my children were also humiliated when I could not pay for the groceries I had gotten. I literally had to go home without groceries and without being able to obtain cash from debit card XXXX.
Product: Bank account or service

I would like to make complaint on PNC Bank regarding a allotment that was going to a incorrect account and the XXXX Branch and XXXX, OH customer service number can not see or pull up. I receive a letter from the Branch which state that account is not a PNC Bank Account. The allotment was withdrawal from mine personal pay check and I 'm getting the run around.
Product: Money transfer, virtual currency, or money service

This occurred over two years ago when my ex-husband, XXXX XXXX XXXX, XXXX came to visit our son. I had left my smartphone in the room where they were visiting and thought nothing of it. What he did was he downloaded TRADING APP which is entitled ROBINHOOD. He used the routing and account number listed on the bottom of an old, cleared check he still had of mine to LINK my checking account to this trading app, and then he DELETED the app from my device. 
The only way I learned that this was done was when I received an email from ROBINHOOD letting me know that the {$4.00} that had been sent to them from my checking account had cleared and I could begin TRADING on their app. 
I tried to contact the app, but they kept stating that if a person needed to contact them they would need to login to their ROBINHOOD account, and the person in need of assistance could get it this way. I never opened any account with them, and I certainly wasn't going to re-download this app, and change the password when it was someone else trying to damage my bank account by doing this to me in the first place. 
So what I was forced to do was go to my bank and close out my checking account. Since that time my funds have not been tampered with, but this app continued to email me concerning the account linked to my OLD XXXX ID. I blocked them from the email account, and eventually had to close the email account altogether. 
Fast forward around 6 to 8 months, after I relocated and started all over again with a new bank account and a new smartphone with a totally new XXXX ID, and I even relocated to a new apartment when ROBINHOOD then began sending me physical mail! 
This was due to a {$4.00} XXXX  and XXXX XXXX  transfer from a closed checking account which was in my name, and that was the first and last time which the app had any information about me, personally. The XXXX XXXX  was chalked up by me as a loss, as I have zero knowledge about stocks or trading. And, I have never wished to learn, so I refused to acknowledge them. 
Now they are sending me physical mail which include threats about fining me for making them send paper mail to me because they have no way of sending me further emails. 
I feel very threatened by all of this. My ex-husband is who stole my IDENTITY in both XXXX and XXXX. I don't know how to contact him now, but I want this ridiculous APP to leave me alone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax to let them know its fraudulent activity going on with my credit report which is 3 accounts thats are fraudulent I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as Im talking about XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX This is not a dispute this is a request if you dont have any documentation of these accounts to verify they mines then I ask Equifax to remove these fraudulent account and hard inquiries i also file a ftc report of the inquiries and I wrote a affidavit of fraud of the hard inquiries I attach them with this complaint I did everything I can to get equifax to remove them and they wouldnt so this why Im filing this complaint Im adding my id and social security number thank you I give you 15 days to show me proof documentation from those accounts if you dont have proof I asked you to remove them please and send me proof that those accounts are removed from the address thats on file thanks
Product: Credit card or prepaid card

On XXXX XXXX XXXX I called Sears credit card to make my monthly payment I spoke to XXXX I told him to that I wanted tie pay {$50.00} and he gave me an authorization code of XXXX. I then asked him why my last payment was not showing on the statement. He stated he would send me a new statement showing the XXXX payment. Then he stated my next XXXX statement would show my {$50.00} payment and I said goodbye. I checked my bank account on XXXX XXXX. XXXX XXXX and found out that {$280.00} had been taken out by Sears not the {$50.00} I had authorized. I immediately called Sears credit card and the rep spoke to an account specialist she asked if my bank was still open I said no. The rep asked me if I wanted to speak to the account XXXX. I said yes and I was transferred for her. Her name was XXXX. I explained was upset about this unauthorized amount and I wanted it return the next day. She said that it had to remain on my for XXXX days befire she could anything and it would sent by wire back to me XXXX to XXXX days later so the earliest I would get it would be XXXX XXXX XXXX XXXX. I was extremely mad. I asked why .she never said why it had to be XXXX days before anything could be done.Then she wanted me to call back the next day, I asked why, she said to call the bank. I became very angry at this point and said why I am calling you now and this is your mistake and I am not fixing it. She said Im not asking you to fix it.She then asked my bank info. I gave it to her and ended the call. I waitednuntil XXXX, XXXX XXXX and then checked my account. No refund, so I called Sears credit card again .XXXX answered and I told him about the unauthorized amount and I said were is the refund. He states let look and then I was hung up on. I called back and asked for a manager, I got XXXX who read the notes and even called the account specialist and she toldhim she sent on XXXX XXXX. XXXX. I said I had called bank prior to calling them and no refund was showing.Dakota said well that is thebank she sent it to and can not find it. I saiddo what you can because I 'm done with your company. Again they wanted the bank info, I told him I did not have it and told him to look for the refund and hung up. After I got off work I called a XXXX time and told the rep to get a manager .This time I got XXXX he was rude and it made me very mad I told him I had been hung up on and I could not seem to talk to same petsonso repeated what happened for the XXXX time to him and again gave mybank info only to be told again it would be XXXX to XXXX days once found to be refunded. I will never use this card again and I have told them I will pay it and I will get rid of it. Today is XXXX XXXX. XXXX and I still have not been given my money back. This is ridiculous the phone number I call is XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Please refer to complaint XXXX and add this complaint to it. They finally called me back and agreed that they did make an error in taking over {$920.00} from my checking account. I spoke with XXXX. I asked for fees to be reimbursed that were incurred from there error causing an overdraft and returns in my account and they refused. I advised that if CFPB is unable to get resolution that I would be contacting the attorney general in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

$ XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion, XXXX, XXXX XXXX have all three violated my rights! By law! They havent even issued any evidence that these hard inquiries or derogatory marks on my account ; balances, were made by me after many disputed and phone calls of me explaining that it wasnt! Im on the verge of getting an attorney! In accordance with the Fair Credit Reporting Act, theyve 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 also states that a consumer reporting agency can not furnish an account of mine without written instructions!
Product: Credit card

I applied for a Discover Credit Card with a great promotional offer and was denied ( Unable to verify credit reference ). 

I called and the rep said there was no additional information available. 

On the denial letter my credit score was XXXX. The rep stated they use other information to make a determination.
Product: Checking or savings account

There have been three separate times where excessive overfrafts/nsf fees are charged to my account despite not being enrolled in overdraft protection. The first two times prior to this recent time I had positive balances and was charged overdraft fees and then they were removed by customer service, but was told that the balance that Wells Fargo sees is different than what I as a customer sees. It's always all too convient to them. So I asked to please remove the ability to overdraft my card and I turn my card off as extra protection. This week my account was charged despite my card being off and Wells Fargo let other small charges go through including one for {$1.00}. I have screenshots from during the week that show that I am not enrolled in overdraft. Three new charges went through, but were pending for days and I thought it would correct itself and not be charged. But they cleared yesterday and today I have a negative balance of {$210.00} then another charge went through. As per Wells Fargo your account l, if enrolled in overdraft can only be charged three times. I can see four charges that were deducted when I did not have the funds in my account. All the while I am not enrolled in overdraft protection. This is Predatory and upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX XXXX  I sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.
Product: Credit card or prepaid card

Unauthorized transaction on XX/XX/2022 XXXXXXXX XXXX  charge {$120.00}. Contacted door dash. Completed steps required. Filed police report, canceled card ( same day ), filled out unauthorized transaction report ( in XXXX doc format not word or pdf ) emailed information back. Claim was denied because form wasnt sent in pdf or word format. Agent was unwilling to assist over phone saying email is only option. XXXX XXXX/pay fare unwilling to assist in lawful manner. Suspiciously at the same time door dash had a nationwide problem with their credit processing system resulting in customers getting free food. I believe my problem may have to do with that, but any questions regarding that were stonewalled by agent. Tried with XXXX XXXXpay fare over phone for collective 7 hrs without proper assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attachment violations of 15 usc 1692, 15 usc 1681, fcra 609 a, fdcpa 804 b
Product: Debt collection

Accounts with missed payments AUTO LOANS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX XXXX, This information must be blocked immediately until the investigation over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute with Transunion regarding my mortgage loan ( # XXXX ) with XXXX XXXX ( XXXX XXXX ) due to the fact my credit report reflected that I have missed 3 payments as of XX/XX/2020. However, back in XX/XX/2020, I requested to defer my mortgage payments based on the Cares Act for two months. Then, I extended the deferral for an additional month totaling 3 months. In XX/XX/2020, I started paying my mortgage as usual and on XX/XX/2020, I electronically signed the payment extension document establishing that I will pay those three months at the end of the mortgage. However, for my surprise, my credit score changed and decreased 121 pts establishing that I have missed 3 payments ( Exact amount of months deferred ). In addition, written conversations were held with XXXX XXXX Personnel were they communicated me that in effect I signed the payment extension and that my account was not properly classified. My credit score was fixed as of XX/XX/2020 to properly include that I haven't missed any payments. Nevertheless, as of XX/XX/2020, my credit score once again reflects that I have missed 3 payments. This situation is putting an additional burden on me as a consumer because I have to be in constant communication with a Bank that is clearly violating the Cares Act disposition, which states that " If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting Agencies. '' XXXX XXXX clearly is affecting my credit based on misleading records. Please advise regarding this matter.
Product: Credit card or prepaid card

I have unauthorized credit inquiries on my XXXX credit from XXXX XXXX XXXX XXXX  and XXXX XXXX. I did not grant permission to access my credit report and did not select the checkbox. 
The policy clearly stated, " Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. '' If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' Further more i do not have a XXXX XXXX   account or have i 've ever applied for a  account. Please remove these credit inquiries immediately as XXXX did not have my permission to access my credit report. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Specialty Clothing Store Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX