23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX XXXX, XXXX XXXX. XXXX.
Product: Credit card

This is regarding multiple fraudulent charges on my Costco Citibank Visa credit card totaling {$6700.00}. There were 96 fraudulent transactions in total, starting XXXX XXXX, XXXX through XXXX XXXX, XXXX. All of the transactions were with various XXXX locations in XXXX California. I became aware of the activities on XXXX XXXX, XXXX, and called Costco Citibank that same day to cancel the card. The representative assured me that day that the fraudulent charges are obvious, and would be credited back to my account. I called again on XXXX XXXX, XXXX to follow up. On XXXX XXXX, XXXX, Citibank credited my account for 5 of the 96 fraudulent charges, totaling {$370.00} of the {$6700.00}. I have yet to recover the remaining {$6400.00} as of XX/XX/XXXX. 

I called Citibank again on XXXX XXXX and XX/XX/XXXX, and each time, the representatives assured me that the charges would be credited back. Today is XX/XX/XXXX, and Citibank issued a statement to me saying the disputes have been closed, and that I would be responsible for the remaining fraudulent charges of {$6400.00}. I am told I have to submit a hard copy letter to request the investigations team to re-open and review the case again. 

I am extremely concerned at being held responsible for {$6400.00} that should never have been allowed to be processed by Citibank under the obvious suspicious nature of the transactions. For example, on XXXX XXXX, XXXX alone, there were 34 separate charges at XXXX totaling {$2400.00}. Here is the summary by date : XXXX XXXX, XXXX : XXXX charges totaling {$330.00} XXXX XXXX, XXXX : XXXX charges totaling {$800.00} XXXX XXXX, XXXX : XXXX charges totaling {$930.00} XXXX XXXX, XXXX : XXXX charges totaling {$840.00} XXXX XXXX, XXXX : XXXX charges totaling {$2400.00} XXXX XXXX, XXXX : XXXX charge totaling {$74.00} XXXX XXXX, XXXX : XXXX charge totaling {$75.00} XXXX XXXX, XXXX : XXXX charges totaling {$1200.00} XXXX XXXX, XXXX : XXXX charge totaling {$1.00} Please help resolve this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Checking or savings account

first, these questions were vague and inaurately describe my issue. 

Wells Fargo closed my account because XXXX auto payment overdrew. 

Wells Fargo and XXXX are both owned by XXXX XXXX? 

i want to know of that payment was made on my Visa card after it had expired? but my account is closed so where is the history data? and i gave the nice bank lady my expired card, so you have to ask them the epiration date? 

and i want to know if my account was part of the scandal, where savings accounts were added. and re done and all that? deleting my account, hiding that? 

and i made a complaint that after cashing a XXXX XXXX XXXX at my bank, it had my name and my grandmaw 's name and address on it, some one started calling her and asking for money? that's all i know about it. 

just regulate and make sure everything is on up and up.
Product: Credit reporting or other personal consumer reports

T

o Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

I bought some electronics at bestbuy using my bestbuy store credit card with 18 months interest free financing. I set up recurring payments to pay the minimum with the intention of paying off the loan in a lump sum at the appropriate time. In the past when I have done this, I have been able to log into my account easily to see when the promotion was ending to make the full payment. This time, it looks like bestbuy transferred the credit card management site to Citi bank and even though they claim you can log in with your bestbuy account information, I couldn't log in when redirected to the site. I wasn't able to call in time to have this login issues resolved. And because I setup automatic recurring payments, I thought I had ample time. To my surprise, I saw an email with a balance much higher than the amount left to be paid off ( {$4300.00} instead of {$2800.00} ). Between Citi bank and/or bestbuy, it looks like they pile up all the interest accrued for the 18 months of the promotion period and apply all that at the end ( XX/XX/XXXX for me ) for you to pay, which is an unexpected and crazy amount to begin with. I have not seen any interest charge on my other credit cards applied in this deceitful way. 

Being a loyal customer for over 10 years now, I have tried working with them to get these unreasonable interests off but they have been very inflexible to work with and it really seems like they don't care, even with the hard times we are in, given the pandemic and are just happy to stick me with the interest of {$720.00} and {$920.00} for 2 consecutive months. 
I spoke with a representative about their covid relief plan, which allows an extra 2 months extension of the promotion and she said she will be able to apply that for me so I pay off the loan, which I paid off right there with my emergency stash funds. The extension was to allow me till XX/XX/XXXX and I paid the full balance off XX/XX/XXXX. However, I still see the second interest of {$720.00} after 2 days and when I called in again just today ( XX/XX/XXXX ), they are telling me they can only take off one interest charge within a calendar year so there is nothing they can do. They are now saying that i requested the assistance after they had charged the interest so it doesn't apply to me. 
I honestly do not know what to do and don't have the funds for this charge, which I strongly feel is not a fair charge to begin with. This does not seem fair at all being at the hands of such big companies charging me this crazy amount in these crazy times and basically sticking me with a severely unfair debt in my opinion. To make it even more painful, the customer service representatives only say they completely understand me but there is nothing at all they can do. I have never felt so helpless before. 
I am asking that you please step in here and help me out of this predicament. I am happy to answer any additional questions via phone.
Product: Credit reporting or other personal consumer reports

I have had this car loan since XX/XX/year> and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA. 
They do not care to be legally complaint is a FACT.
Product: Mortgage

We have been in contact with the PNC bank every since we got served. In XX/XX/year>2024. They asked us what we wanted to do and they said to wait for a reinstatement cost and the paperwork. Nothing ever came. Except a bill that had went from {$5000.00} to {$8000.00} so we called. They asked if we had received an email which we had never even supplied them with an email the face is the email XXXX. no one has ever even had that email address. So they proceed to tell us not to pay the bill we received but to wait for yet another reimbursement price. We wait and wait nothing yet another bill only it went this time from {$8000.00} - {$10000.00}. We contacted PNC again and got the same run around only this time we asked for a customer advocate. We told her of these issues and she understood and even looked up the numbers we had called from. The next thing we know a Commissioner sale paper ended up on our door. We have also tried to be on contact with the attorney of PNC and we finally got a hold of him but not until one day last week. He laughed at my husband. And told us he didn't work for PNC he would not know their protocols. Please help us.
Product: Credit reporting or other personal consumer reports

There was a personal information breach and my credit report is wrong
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 4 late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX, XXXX and XXXX, XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Debt collection

The case number is XXXX its with northland group. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX
Product: Credit card

I received a notice from Discover, dated XX/XX/XXXX, denying a credit card I did not apply for. I just received a notice from XXXX XXXX, dated XX/XX/XXXX, again denying me credit I didn't apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised that experian, and XXXX and XXXX has the following collection account : ( XXXX ) absolute resolutions i is reporting this unknown collection account on my credit report- balance of XXXX i never had any account with this company and requested the credit reporting agencies to delete the account from my credit reporting file. it should be noted that this inaccurate reporting has affected me greatly. please delete account immediately. 
( XXXX ) XXXX XXXX XXXXc also incorrect data being reported by the same credit reporting agencies. they has not reported westlake account history as 100 % accurate, please delete account from my credit file because it has stopped me from getting credit from a potential creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Product: Prepaid card

XXXX Transaction Date : Tuesday, XX/XX/year> Amount Charged : {$160.00} Missing Items : 19 out of 35 Correct Amount Owed : {$92.00} XXXX Representative : XXXX Refund Confirmed : {$67.00} XXXX Reference Number : XXXX Reason for Dispute : XXXX only provided 19 out of 35 items from my curbside grocery order. I attempted to contact the store four times within the same hour of pickup, but received no answer. I then contacted XXXX support at XXXX and spoke with representative XXXX, who confirmed the issue and a refund of {$67.00}, providing me with a reference number. He stated the refund would be processed within 5 to 10 business days. 

However, on XX/XX/XXXX, I received an email contradicting this, stating the full order was processed and picked up, and suggesting I dispute the charge with my bank. 

I called XXXX again and spoke with another representative, XXXX ( who was later identified as XXXX in the follow-up survey ). He stated that another refund request was submitted, with the refund to be received within 5 to 10 business days from XX/XX/XXXX. However, no reference number was providedonly my order number. 

Due to conflicting information and unfulfilled refund promises, I disputed the charge. The first representative promised a refund within a shorter timeframe, which has now passed, and I no longer trust XXXX process. 

How I Tried to Handle with My Bank : On XX/XX/year>, I contacted U.S. Bank ReliaCard and spoke with XXXX, requesting a dispute for the missing items and partial refund. The bank indicated they could only request the full amount from XXXX, not the partial refund I am owed. I agreed to proceed with the full dispute and explained that the only supporting evidence was my phone call with XXXX representative XXXX, who confirmed the refund of {$92.00} and the following phone call with XXXX Representative XXXX ( XXXX ) promising me the same outcome of refund as well. 

On XX/XX/year>, I received a letter from the bank stating that XXXX had claimed the entire order was fulfilled, and as a result, they would not accept the dispute.
Product: Checking or savings account

I was charged outrageous overdraft fees from Navy Federal Credit Union leading to disrupted services
Product: Money transfer, virtual currency, or money service

In XXXX, Ive been scammed from my suntrust account multiple times with XXXX and back then getting a refund was very difficult. Once i got scammed of {$250.00}, another was {$150.00}. Ive been overdraft and they still charged overdraft fees. Which made me cancel that account and switch to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681n ( b ) " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency or {$1000.00}, whichever is greater. '' As a consumer and a natural person I did not consent to, authorize nor benefit from any of the following inquiries. 

Block and remove XXXX XXXX  XXXX XXXX XXXX from my equifax report Block and remove XXXX XXXX XXXX XXXXXXXX from my XXXX report
Product: Payday loan, title loan, or personal loan

The loan is with Comenity Club XXXX XXXX. Comenity Capital Bank. 
It was a loan to payed fro XXXX procedures. Opened in XX/XX/XXXX, for the amount of {$1500.00}. Account under my name, finishing in XXXX. 
There has being numerous late fees applied to this account, since the beginning, despite direct linked account to XXXX and latter to XXXX, both bank accounts they have being authorized and link to. 
During the pandemic, completely and lawfully ignoring the CARES ACT and despite numerous phone calls and secure messaging though their website asking for a relief, by only being behind on one payment they charged me overdraft fee and reported to the credit agencies. 
I have many writing communications with them though the secure messaging system complaining of all this. 
I notice that they just stop taking the payment in XXXX, with out any notice and I have being charged two late fees since then despite having access to the bank information they have being linked to since XX/XX/XXXX. 
Again not communication in any shape or form to let me know of any updates on my account.
Product: Debt collection

At XXXX XXXX on XX/XX/2020, I received a phone from a XXXX or XXXX from a California number as follows : ( XXXX ) XXXX When I performed a search of who this was that called me I discovered that it was a financial services firm called Vengroff Williams who has offices in XXXX, Fl, XXXX, Ca, XXXX, NY & XXXX, Illinois in which has a very long history of consumer complaints & lawsuits for their debt collection tactics. 

link below : XXXX XXXX XXXX He said he was a lawyer trying to collect a debt from a company I did not recognize right off hand and he finally went into detail saying that it was from XXXX XXXX XXXX XXXX and at that point I knew what company he was speaking of. Beings that I had not been notified in writing that he was a debt collector who took over the debt from XXXX XXXX, I told him I wanted a verification of debt and to send me the information in writing. He asked me if I was an attorney over and over again and I advised him I know my rights and he needed to send me the information via mail. 
After her continued telling me that I didn't know what I was talking about he insinuated that he was going to pull my personal credit while he was on the line with me which would drop my score in turn damaging my credit score. I advised him he had no permission to do so and his tactics were illegal under the Fair Debt Collection Practices Act ( FDCPA ). He again asked me over and over again if I was attorney and said that I had no idea what I was talking about. He then hung up on me after out heated exchange. 

I called him back and asked him why he hung up & he said that he was looking at my credit as we were speaking and said that I had multiple social security numbers ( which is no shape form or fashion true ) & he knew what type of person he was dealing with and then hung up on me again! 

This type of collection tactics is unlawful and pure harassment that I will not tolerate. 
Please assist me in getting this situation resolved & hold this firm accountable for their tactics.
Product: Credit card or prepaid card

I was significantly overcharged on my Capital One credit card for a taxi fare while traveling abroad in XXXX XXXX. I almost immediately disputed the charge and Capital One opened an investigation. The merchant did not request my signature and would/could not provide me a receipt and the time of transaction. The agreed upon fare and what I was shown on the handheld card reader was XXXX {$700.00} ( XXXX {$40.00} ). Later, the charge appeared on my card at USD {$290.00}. After my unsuccessful attempt to settle the dispute with the merchant, Capital One claims the merchant was able to provide proof of payment - a signature. I never provided a signature, and Capital One will not provide me with documentation of this forgery. I then submitted a formal written complaint explaining the incident to Capital One and was nearly immediately rejected. There has been a complete disregard for consumer protection. My request to replace my account number for fear it's been compromised have gone unanswered. And the original date of the transaction was XX/XX/2023, and this dispute has still not been resolved.