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

Commenity Bank XX/XX/22 {$11.00} fraud charge to XXXX, credit limit $ XXXXHad a {$0.00} balance. Only used this card couple times a year. XX/XX/22 late fee {$11.00} + {$1.00} interest charge. XXXX {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately Commenity Bank emails went to my spam. I contacted Commenity and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. Commenity told me the Credit Bureaus would fix this and so. Been a big run around
Product: Checking or savings account

XXXX XXXX I signed a surrender contract with my XXXX XXXX XXXX XXXX XXXXXXXX to vacate XXXX XXXX, and to receive XXXX $ in moving expenses as well as my XXXX $ security deposit if I were to XXXX XXXX XXXX. If you look below and see the attachments, there is a PDF of the surrender contract and a pdf of my lease that has the XXXX security deposit for verification. 

XX/XX/XXXX- I returned my keys and XXXX XXXX XXXX. Upon meeting up with the XXXX XXXX XXXX Representative, he provided me with XXXX checks, XXXX for XXXX $ and XXXX for XXXX XXXX he vetted the check in front of me, there were also XXXX witnesses to see him issue me the XXXX checks. 

Upon receiving the checks I went to the CitiBank Branch in XXXX XXXX XXXX XXXX to deposit both the checks at the counter. Once I deposited, I was told XXXX $ would be available tomorrow. 

XX/XX/XXXX- When I woke up I saw that the XXXX was available, and went to grab food and to XXXX XXXX a friend whom I owed money, I purchased a XXXX XXXX XXXX XXXX XXXXXXXX back to where I was staying, that night I went to purchase pizza and my citibank card declined. I went to check the citibank mobile app and it said that the app was out of order/ wasn't available. I called a representative and they told me to call number tomorrow to speak to fraud prevention. 

XX/XX/XXXX - Woke up and immediately called Fraud Prevention and they told me that they were reviewing my account and needed XXXX to review my account. I called over XXXX times wanting to resolve this issue and get more information, however they told me they didn't have access to information and all I could do was wait, and potentially in the morning my account would be unblocked. 

XX/XX/XXXX - I woke up and called the Fraud Prevention and they told me my account was still blocked and that I needed to wait longer, possibly until that following Monday, 5 days since my account was blocked. I called to get more answers and they asked me if I deposited a check, I said yes and verified, again they couldn't remove the lock on my account. I went back to the branch that I deposited the check to in person, and they told me it's nothing that they could do. My atm card was blocked, my online account was blocked, but I was able to see a huge portion of the funds was deposited and cleared. They then told me to go to the bank in person the next day and submit documents supporting my identity.
Product: Checking or savings account

I am writing to express my frustration and disappointment regarding the closure of my dispute related to an accidental XXXX payment in the amount of {$150.00}. My case was closed on XX/XX/year>, and I was informed that there was no further action Citibank could take and that I would need to resolve this directly with the recipient. 

Here is a summary of the situation : On XX/XX/year>, I accidentally sent {$150.00} via XXXX to the wrong recipient. 
I immediately contacted the recipient, who confirmed that they reached out to their bank and agreed to return the funds to me. 
Despite this confirmation, Citibank closed my dispute and informed me that there was no resolution possible from your end and that I am essentially " on my own '' to recover the funds. 
I am very disappointed by the lack of support I received from Citibank in this matter. As a customer, I expected more assistance, especially since this was a genuine mistake. It is concerning to me that Citibank has closed the case without further investigation or offering a solution, leaving me in a vulnerable position without the funds that were mistakenly transferred.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # EXPERIAN, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian requesting the removal of inaccurate personal information, including old addresses that do not belong to me or are no longer associated with me. Despite my formal request and the legal obligations under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) ( A ), Experian has failed to remove these addresses from my credit report. This inaccuracy is negatively affecting my credit profile, and their lack of action is preventing me from maintaining an accurate credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Bankruptcy Court Eastern District of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as XXXX, XXXX, Experian, or XXXX. They report to pacer an website for court reports not credit. I have a letter from the US Bankruptcy Court Eastern District of Michigan explaining they do not give experian, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from pacer. 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

False information being reported. Also, to prove my claim, there is two different balances between credit report and XXXX XXXX XXXX  website being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I owe {$29.00} to Comenity bank. This showed up in XXXX. I have no idea what it is. I can not get a copy of a bill or get any information from the company regarding the amount. most credit card companies send a bill I have no bill. I don't know what this is in the meantime it's gone from $ XXXX {$59.00} to I believe today I saw it's {$100.00}, I don't know how interest goes up that fast but anyway, I pay much larger credit card bills monthly but for some reason nobody can tell me what this is. I disputed this with XXXX and they say it's legitimate and the only way to reach the commodity for this problem is via letter - a XXXX XXXX XXXX in this day of age I find that very strange. I don't have any idea what this is I don't see why it's so hard for somebody to talk to me on the phone. I called XXXX 's number and it's automated you can't talk to a live person. I want get this resolved it's not helping my credit report and obviously if I owe {$29.00} I would pay it it's ridiculous and frustrating. I filed another dispute stating I did not know what the amount is for. I guess the creditors get all that or the alleged creditors get all the support. I really feel this is a scam.
Product: Mortgage

I applied for a loan through Wells Fargo to purchase a new home. The builder, XXXX XXXX, advertised a {$5000.00} incentive if I used their preferred lender, so I applied through their preferred lender Wells Fargo. We were initially told that the loan was approved and this was relayed to the builder. Shortly thereafter we were then told it was denied so we asked for a formal letter of loan denial to include the reason for denial. We waited approximately 2 months and made at least XXXX separate requests to Wells Fargo for them to send the denial letter. Finally a manager, XXXX XXXX, had emailed me and said that the loan had been withdrawn due to the builder not accepting applications from investor buyers, which is a false statement. I have confirmed with the XXXX XXXX sales representatives that they do not have an investor buyer restriction at this development, and also at no time did we communicate to Wells Fargo that we wished the loan to be withdrawn. We continue to be told that we withdrew the loan by Wells Fargo 's loan officer, XXXX XXXX ; this is also a false statement. If we did withdrew, why would we ask for a declined letter and also why would XXXX XXXX 's replies to our requests always be that we should have received a decline letter already and that he will look into it? In addition, in XXXX XXXX 's email he stated that I withdrew the loan and he implies that because I have more than XXXX financed loans Wells Fargo can not finance this loan : in fact I have less than XXXX financed loans which they were made aware of from the beginning. 
Wells Fargo 's reason for denial continues to change and I feel that they have treated my application unfairly ; the loan amount was small and we have multiple investment properties from which we produce our income, and our application would have taken more time to process ; this I feel is the reason that they brushed our loan aside and made excuses because it was not worth their time. Whatever their reason they appear to me to they have disqualified my loan because it is not a prime loan for them regardless of the excellent credit I have, ample reserves, and low debt to income ratio. This is just a summary. I can elaborate with details if you like.
Product: Credit card or prepaid card

I booked a flight on Capital One Travel Portal using my Capital One VentureX credit card in XXXX on XXXX XXXX for XXXX XXXX The tickets were booked on XXXX/XXXX/2022 and had to be cancelled on XXXX/XXXX/2022 due to my gf getting XXXX. At this point, the Capital One Travel Portal said I got a credit for XXXX XXXX 

Currently, I am trying to rebook the flight using my credits in their portal. The portal clearly states that I have a credit of XXXX $ with following information listed as banner on booking site. 

" Your travel credit is worth US {$230.00}. There are no rebooking fees for this trip. '' Please note that it clearly states that there are no rebooking fees. Once I selected the flight, the fare on selected flight was XXXX $ over the flight ticket price on XXXX and other portals where I can purchase the ticket. I called the customer care to price match the fare, since that's one of the benefits of Capital One Travel Portal. However, I was refused to price match stating that the XXXX $ is actually rebooking fees for using my travel credit. 

I feel this is unfair and unethical approach in dealing with travel cancellation where informations are not shared upfront but adding hidden charges to the customer. Even while rebooking the ticket, at no place they state the XXXX $ rebooking fee instead have implicitly increased the cost of base fare on the XXXX XXXX. 

I am attaching the screen shots of my travel credit, portal banner where it says there is no rebooking fees, final price summary where base fare is XXXX $ over XXXX pricing. The customer care claimed this XXXX $ is rebooking fee. This is clearly unfair and unethical business practices using hidden fees and charging them as part of base fare
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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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. 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 XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Product: Checking or savings account

Last year Citi changed to a new system to handle external account transfers from their savings accounts to their customers local bank. My local bank, which was previously listed as an external account, was not able to be added. As such I am unable to transfer funds to my local bank with this system. I was told that this is a known problem that was occurring with some accounts. I have worked with their tech support for months trying to correct this but they have not been able to fix the problem. I can do a wire transfer but there are fees to do this. I am supposed to be able to transfer up to {$20000.00} monthly with no fees. Today, after working with their tech support and making no progress, I requested that they close my account, transfer the funds to my local bank checking account and cover any related fees. I was transferred to another individual who never picked up the call.
Product: Debt collection

I retrained a payday loan from XXXX XXXX XXXX. I ended up losing my job and was unable to find work. I contacted XXXX XXXX XXXX and notified them of me not having a job. They told me they would notate the account and it will hold up for 30 days. After the 30 days I was still unable to find work. On XXXX/XXXX/16 I received a call from XXXX XXXX from XXXX XXXX XXXX or ( XXXX ) law firm on behalf of Receivable Management Services. XXXX XXXX was really rude he told me if I did not pay today that I will be served papers for Fraud & my debit will go on my credit. I contacted XXXX XXXX XXXX to ask them if I can get a payment plan and they directed me to Receivable Management Services and they so called transfered me to the legal department. I continued to ask XXXX XXXX if he was in the same office with RMS and he refused to answer the question. I then asked where he was located and he told me florida and hung up the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXXXXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX  at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my mortgage company Shellpoint Mortgage Company to update my credit report to show accurate and fair reporting on XX/XX/2022. I sent in a copy of my credit report showing inaccuracies based on my spouses deployment status during the time of reporting along with a detailed description of request. I was told that information was missing in order for them to complete their updates. I notified mortgage company that the information had been faxed. After several phone calls and complaints, I was told that the information I faxed was uploaded to the wrong file which prolonged the process even more. I called several times after to inquire about updates and was told that I would get a call that would provide me with an update. I then re-uploaded the same information to my online portal in XXXX and called to verify receipt. XXXX was verified to have been received a second time and I am still unable to have this investigated properly and reported accurately due to the mortgage companys failure to do things in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen by XXXX XXXX XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX 

I have attached below my reference number for my identity theft FTC report number. 

XXXX has sold nonpublic personal information to several third parties and has furnished unknown & unauthorized debt on my credit report without my Written permission. I have asked XXXX  to provide a valid contract which is, Validation of debtthat is actual accounting, Verification of their claim against me ; that is a signed invoice, and a copy of the contract binding both parties in a letter by certified mail so that their is a witness to it having been delivered. 
However they have only provided a loan verification & truth & lending disclosure. 
I have let XXXX know that Ive never had any business with them. They have stolen my identity and has failed to provide valid proof as stated above. 

On XX/XX/2022 i spoke with XXXX XXXX XXXX who stated XXXX is our client. Their statement validates that they have stole me identity along with XXXX. XXXX has sold non-public personal information to XXXX XXXX without my knowledge or written permission. XXXX XXXX XXXX continues to furnish unknown & unauthorized debt on my credit report without my Written permission. I have let them know that Ive never had any business with either XXXX nor XXXX XXXX XXXX. 
this is a clear violation of my rights. 

XXXX XXXX XXXX XXXX XXXX. Has stole my identity and sold non-public personal information to third parties without my knowledge and written permission. 

These accounts and the credit bureaus also violated my rights under 15 USC 6802. States- NO financial institution is supposed to share my information to third party people. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

FTC identity theft report # XXXX I have also attached proper documentation to verify my identity. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer contacted XXXX to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX ( name given ) that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with XXXX on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1400.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00}.