23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 my Bestbuy card from Citibank was charged {$2700.00} at Best Buy in XXXX Fl. I did not make or authorize this purchase. I contacted Best Buy and filed the transaction as fraud. I was asked if the credit card was in my possession which I replied yes. The Best Buy credit card I had was not activated. 
The fraudulent transaction was made via their look up method which you provide personal information to verify your account and can make a purchase without the physical card in hand. 

Today I receive a call from citi bank fraud department stating my claim has been denied due to me having my Best Buy card and the transaction being done via chip reader. I expressed the improbabilities since XXXX. I never made the purchase. XXXX. The card was never activated. XXXX. I have the online receipt that clearly states the transaction was made via look up. 

As my frustration grew from being accused of committing fraud I asked to speak to a supervisor, which I was denied and would need to wait XXXX hours to get a call back. I went to the extent to get a copy of the receipts and send them to their email. 

Attached youll find a copy of the fraudulent transaction which next to the dollar amount youll see the term look up. Also attaching a transaction I did with the chip reader which youll see next to the dollar amount. 

This is an unethical attempt to decline my claim with false information
Product: Credit reporting or other personal consumer reports

Credit Acceptance provided me with a car loan back in XXXX. Due to the XXXX pandemic, I was unable to continue paying my loan. Even though I asked to be relieved, they continued to harass me. I ended up surrendering the car. Still, they continue to harass me. 
This month, they ran an unauthorized hard inquiry on my account and they will not answer my calls. 
XXXX wont remove the unauthorized inquiry either.
Product: Checking or savings account

On XX/XX/2021 I noticed that my account with Pnc had a XXXX balance the day before XX/XX/2021 I had XXXX $ in my account I later found out they closed my account and froze my money say it was an issues with verifying my information I had the account for a month now me nor the banker that opened my account received any notice prior saying it was something wrong with my account I went to the branch I opened the account and the banker spoke with the department it turns out it was a typo in my social he asked if he could fix the error and keep my account open they stated no so he asked if my funds could be released they also stated no I had to wait on a cashiers check which is a big inconvenience seeing nothing was fraudulent on my account and it was a bank error not mines so they punished me for it and closed my account leaving me with no access to my money and I have bills and a family to take care I asked to speak to a supervisor they said I couldnt and it wasnt nothing more that that could do for me that Pnc bank has the right to discontinue business with me even though Im not at fault now Im suffering with no money at all Ive called all the departments still no help or my money back
Product: Debt collection

I continue to receive notices from Victoria Secret stating I owe on a credit card purchase. I have never taken out a credit card with this company. I am a XXXX year old lady that bought my grandaughter a nightgown online where I purchased it before it shipped. 

I wrote to Victoria Secret and they state I owe it. I never gave them my social secuirty card so how do they have a credit card in my name??? 

I am getting late fees and this is destroying my good credit. 

Each statement has a different amount owed and charged. I dont charge at this store!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page XXXX of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX
Product: Debt collection

I do not understand that I owe any Debt to the University ... I never attended any courses online.. The School needed at least 2 Months to get me in the Class and I declined ... .It never got that far ... I returned the books they sent out and never matriculated into anything with this university. Why is there a bebt on my credit report for this University. I have no start date and no end date with this School. So can they remove my so called debt from this credit report? 

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

I've never had cc with XXXX there on my Experian it seems like XXXX and Experian are in couhotes together also on my XX/XX/XXXX XXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late
Product: Mortgage

I have a second mortgage with Bank of America. I called them on XX/XX/XXXX to inquire about payment history dates on XX/XX/XXXX mortgage statement. It showed XX/XX/XXXX thru XX/XX/XXXX as not being paid, I have proof from my banking records of payments. I am aware of being 2 payments behind and was in contact with a representative who informed me that I could add additional monies to my normal payment until I was able to complete my 2 behind payments. Per my phone conversation XX/XX/XXXX, they informed me that my loan was charged off on XX/XX/XXXX, without any prior notification to myself from BOA. BOA 's resolution was for me to make a payment, which I did, and that they can not reinstate my loan. Furthermore, their suggestions were to either settle the loan or make payments which will further continue to have negative consequences on my credit as this will show as a charge off. I am under the impression that before any action like this can be taken against a consumer, that the loan holder would have to notify the consumer of any such action.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. 

Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. 

This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX 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 reporting or other personal consumer reports

I have called and spoke to numerous reps at Wells Fargo since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX XXXX and XXXX but it still reflects on XXXX thereby affecting my credit score due to her outstanding balance. The account still shows open with a $ XXXX balance due. I don't have a card on this account, have requested they remove it and remove her Hurricane, UT address from my credit. The card holder asked them at the beginning of XXXX to do this, they told me when I called it takes 60 days. 3 months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and close it. I don't know if they're confused or what the situation is but this is not my account, I want it closed and removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve this. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or Wells Fargo! I'm sick of this account affecting my FICO and am willing to sue!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error and resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am trying to connect my PNC bank account to a 3rd party payroll system to get our nanny on payroll and PNC is blocking me from doing so. Why is that?
Product: Vehicle loan or lease

Credit acceptance claims payments are missing or late. They give false information each representative states different rules and policies. They will wait an entire year before reaching out about a missing or late payment resulting in over the top late fees. They then use threats such as vehicle repossession. They tend to do this every year around the same time with the same claims. Not worth excepting the loan they are not honest and cause client endless stress.
Product: Credit card or prepaid card

Citibank Mastercard accepted my payments over the phone from my bank accounts, but did not credit them in a reasonable period -- even though my bank informed me that the money had been paid immediately to Citibank. During XXXX I made 2 large payments ; Citibank told me that I had to wait 2 weeks ( until XX/XX/XXXX ) for the payment to go through, even though they had received the money immediately. I was denied credit at several places of business and my utility bills were not paid either via the Citibank credit card as well. This was dishonest, unethical and unfair on Citibank 's part. They were taking advantage of the situation and could easily have checked to see if a deposit was made -- but instead, kept my money without crediting it for weeks.
Product: Debt collection

In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page  document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX  HAS REFUSED TO REMOVE A ACCOUNT THAT I NEVER FILED FOR CAUSE TO HURT MY GOOD NAME.
Product: Mortgage

I started to refinance on XX/XX/2021, with New Rez and I had a loan officer which then was transferred to two other people. Trying to reach someone was not happening. Every time I called I left a message, several messages, even talked to the loan officers supervisor, which helped some. Then as time went on now XX/XX/2021 they send me papers to finalize my loan, which the amounts were not all on there. They were suppose to add a credit card amount to the loan, called several times to loan officer and supervisor and left messages with no return phone call. We did sign the papers not to finalize the loan only to get the interest rate they quoted us at the time to be locked in. I do not know where I stand with this loan, it's the worst customer service I have ever dealt with.
Product: Credit card or prepaid card

capital one XXXX account XXXX is showing on my credit file i do not wish to be an authorize user on the account. 

delete account from my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is my Registered Business Entity .. That's not me I'm a living man.. Everything is being false Reporting under my Business Entity tax ID number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute with XXXX as my XXXX XXXXXXXX XXXX was reporting a missed payment on XX/XX/2015 that I had paid. I submitted my bank statement showing proof that the payment was made. XXXX reported that the payments were verified as reported correctly. And my dispute was ignored, since my dispute the account is now being reported twice on my credit report which has caused my XXXX XXXX to drop XXXX points. And I was denied credit.
Product: Debt collection

Bank OZK emailed me using an email address that I did not provide to them ; they did not have my consent to use that email address ; Bank OZK ignore my questions
Product: Vehicle loan or lease

On XX/XX/2022 Pursuant to the Federal Truth in Lending Act ; I requested the return of my deposit in the amount of {$1800.00}. 
Pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) I sought damages in the amount of {$42000.00} as well as damages for each violation in the amount of {$4000.00}. I also requested the cancellation of any lien against my property, within ten ( 10 ) days as required by law. 

In return, was sent a letter from the dealership dated XX/XX/2022 stating. " Thank you for your request. We have reviewed your account & have verified that you still owe the amount due under the contract. Additionally, we have determined that you are still in possession of our vehicle. If you have any further questions, please contact us at XXXX. We are available from XXXX XXXX to XXXX XXXX Arizona time, Monday through Friday, Saturday XXXX XXXX to XXXX XXXX '' They are attempting to collect {$38000.00} on a {$19000.00} loan. Charging me {$16000.00} at an annual percentage rate of 23.111
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 XXXX  came back to me with the infornation from MIDLAND FUNDING HAS VERIFIED the information ... 
Why do I have to notify you that its a VIOLATION of the FDCPA to report a collection with PAST DUE BALANCE ... 
I will attach the report sent from you where you MIDLAND FUNDING has " VERIFIED '' the violation to XXXX.. 
WHY ARE YOU REPORTING A PAST DUE BALANCE IN A COLLECTION? .. THIS IS A VIOLATION OF THR FDCPA AND MUST BE DELETED FROM MY CREDIT REPORT ... 
I am asking to remove for violation MIDLAND FUNDINGXXXX reporting a past due balance is a Violation FDCPA. 
You are gon na see the the before and after the investigation in the report showing the past due balance. 
Also, MIDLAND FUNDING is reporting a 1 month term.. 
XXXX send a letter indicating they will not re-investigate but why should you investigate when I provinding with proof of the report? ...
Product: Credit card

I have been a victim of identity theft since early XXXX and again in XXXX. I have shared documents supporting such today as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in writing that all communications with Experian must be mailed to my address and I no longer have an online account with Experian. I did that because when you sign up an online account with Experian you basically give up your rights to sue them for any wrong doing. Experian disregarded my written certified request and still emailed me to check the complaint results online.
Product: Payday loan, title loan, or personal loan

On multiple occasions the Earnin payday loan company has withdrawn money from my account ahead of my pay schedule resulting in overdraft fees of {$30.00} per incident. 

While this has happened more than 3 times I have record of my last conversation with Earnin in which they were supposed to update the pay cycle on XX/XX/XXXX but failed to do so resulting in another overdraft fee on XX/XX/XXXX. 

When contacting them on XX/XX/XXXX and XX/XX/XXXX I was informed that they would not be able to perform a refund but would update my pay cycle. I am no longer using this app.
Product: Debt collection

In XX/XX/2021, while attempting to lease a new car, I found out XXXX XXXXXXXX XXXX collection attorneys filed a delinquent account to my credit report. Due to the filing, my credit scores dropped. This prevented me from being able to lease a car and raised interest rates to purchase to a level I could not afford. 
While I did receive services from XXXX XXXX, they were paid in full. Insurance paid the bulk of the bills, and the remainder was paid out-of-pocket. I made a request for the verification of the debt and received a letter with a patient history attached. Upon review of the history, it was clear my account was double-billed for services, specifically teeth cleaning and an exam. I paid out-of-pocket for the cleaning and exam, but it was covered by my insurance. XXXX XXXX also billed my insurance company and it was paid out in full. Due to the double-billing, I overpaid for services that were provided. I did write to XXXX XXXX XXXX attorneys with my findings and have been awaiting a response. I have called, but they claim to have not received a response from XXXX XXXXXXXX XXXX office. 
This collections account on my credit report has been a hindrance.