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

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. 

The following is just from XXXX  report Factual Data - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Product: Mortgage

Citibank must release this lien as fast as possible. It has no right to continue to place this lien. Citibank should be legally liable for the many financial lost in loosing the sale of this property.
Product: Credit reporting

I have a true credit monitoring service and was alerted at the beginning of this month that a state tax lien has been added to my report. I tried to dispute it online but I am locked out of disputing which I do not understand since I pay every month for this service. I have called in 4 times this month and told them I have no such lien and it is still there!! It is not on XXXX or XXXX and never has been. I also went to the XXXX County Courthouse and was given a letter stating they have no such lien against XXXX XXXX at XXXX XXXX XXXX, XXXX sc XXXX with social XXXX in amount of {$5300.00} and have not supplied such information to transunion. I am trying to buy a house and they have ruined my credit. I need this deleted asap!!
Product: Credit card or prepaid card

Citi is charging me a XXXX annual fee plus interest on a card that I closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX The Above-mentioned Accounts 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 an account without my written instructions
Product: Prepaid card

I opened an account with Ace Flare not long ago and became eligible for overdraft privileges. Upon signing up for the overdraft information was sent to me by email, I spoke to a male rep over the phone and it states on my online account that I would be charged {$20.00} fee for transactions OVER {$10.00} that are in the negative. If its not paid back or brought to a positive balance within 24 hours the {$20.00} fee will be applied but if it is brought to a positive balance within that tome frame the {$20.00} fee will be waived. Mind you this overdraft feature they have definitely comes in handy when I need it! Im being charged for every transaction after my account hits a negative {$10.00} afterwards no matter if its {$0.00} a {$20.00} fee will be applied. I recently was told by a rep in their chat on their app that every transaction that is overdraft will be charged a {$20.00} overdraft fee. They give very misleading information. Every rep says something different! Not only that it is very excessive to charge their customers a {$20.00} fee for a transaction that may be less than {$10.00}. I have been charged numerous fees for {$20.00} each for transactions less than {$10.00}. Like I mentioned a male rep I spoke to over the phone said any transaction over {$10.00} would have a {$20.00} overdraft fee applied. The other rep I spoke to on chat a day or so ago is now saying every transaction will be applied a {$20.00} fee another rep says once my account is at negative {$10.00} every transaction after will be charged a {$20.00} fee no matter the amount of the transaction. These people need to get on the same page. This company also need to be reported for the excessive fee amount they charge their customers! That is Rediculous! This company needs to be fined for this! They provide misleading confusing information to their customers!
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including incorrect amounts and dates.
Product: Credit card or prepaid card

On XX/XX/2023 XXXX fraudulent purchases were made to my citi double cash mastercard. I received text messages and emails for citi card about the purchases on XX/XX/2023 asking if i made the purchases and I replied NO. I called citi card and reported the fraudulent charges. The purchases were made at XXXX XXXX XXXX XXXX in California. I live in North Carolina and do not know anyone in California and have not visited that state in 20 years. 

The charges were reversed but then reinstated a couple of months later.
Product: Credit reporting or other personal consumer reports

These XXXX  Accounts have violated my rights According to FCRA ; 1. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX. 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED! 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX amount XXXX, I was made a dispute at XX/XX/XXXX, cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account numberXXXX, GE Capital Retail Bank.
Product: Credit card or prepaid card

I inadvertertently transferred more than {$3500.00} from my savings account to my credit card account linked on the Bank of America website instead of my checking account. I have a positive balance of {$3500.00} and every time I call to have this returned to my checking account I get a different story of how long it will take. First person said 10 days. I asked for an escalation and was told to even get into the escalation process it would take at least 5 days. It has now been two weeks and the next call I was given i was told it could take up to TWO billing cycles to return my money... up to 60 days. 

This represents an entire paycheck. This has made it so I am now late in paying my mortgage and my credit rating is going to take a big hit. I am stressed and can not sleep well. 

Please tell me there is a recourse to get Bank of America to do the right thing.
Product: Credit card

I am writing to formally lodge a complaint against Capital One regarding their handling of credit card reward offers. I have experienced two separate incidents in the XXXX month where I fulfilled the terms of promotional offers, received the promised miles, and then had those miles clawed back without justification. 

I accepted these offers in good faith, believing that Capital One would honor the advertised terms. Unfortunately, despite completing the required activities, Capital One retroactively revoked the rewards. I do not have screenshots of the original offers, but as a consumer, I should not be expected to anticipate deceptive practices and document proof beyond my adherence to the offer conditions. 

This practice is unfair, misleading, and undermines trust in Capital Ones marketing of reward programs. It amounts to a bait-and-switch tactic that causes financial and emotional frustration. 

I respectfully request that the CFPB investigate Capital Ones reward practices to ensure they are transparent and fair. Additionally, I would like assistance in having the miles that were unfairly taken restored to my account. 

Thank you for your attention to this matter.
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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

My personal identifying information is being sold by data brokers on the open market and internet
Product: Mortgage

My home loan servicing company changed. The loan originated with XXXX XXXX  and was changed to Flagstar effective XX/XX/2018. I received a notice from XXXX, who has been my homeowners insurance company, on XX/XX/2018 saying that the mortgage company did not pay. Just now on XX/XX/2018 I called Flagstar to ask if they would be including my insurance payment when I start payments. I was transferred to their insurance department and phone rep., XXXX, who stated that they did not have knowledge of my loan and that they did not know when they would have it.
Product: Checking or savings account

I filed a dispute with Wells Fargo for a {$1000.00} charge made to my account from an investment account. I did not authorize multiple deposits, and so I proceeded to file a claim which ultimately got denied after XXXX days. I have also had XXXX previous claims that were denied as well from an unauthorized scam company that charged me without my knowledge. This is my last hope of recovering over {$1000.00} worth of losses and claims being denied and the bank is not helping me at all.
Product: Credit reporting

XXXX, Equifax and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained XXXX XXXX XXXX hard inquiry. On XXXX XXXX, 2016, for whatever reason XXXX XXXX ), XXXX lowered my score by ( XXXX XXXX points? and added XXXX XXXX XXXX hard inquiries to my file? Equifax and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.
Product: Credit card or prepaid card

I have been paying Discover card monthly. I got a notice last Thursday XXXX the account has been charged off as a bad debt.Please call us so we can better understand your situation and try to work with you. You may be able to settlethis debt ofr less than the balance you owe. 
Reach us promptly at XXXX or chat with an agent online at Discover.com - we're available from Mon-Fri XXXX to XXXX, sincerely, Discover Customer Assistance and Recovery This is an attempt to collect a debt and any information obtained may be used for that purpose. 

The total {$33000.00} I have been paying them off the offer to sttle the debt was for {$3400.00} I was paying on that and had to move lost the part time gig and was nearly XXXX which they knew. I was trying to get a part time gig and go to school while still paying {$50.00} per month for {$4000.00} then I get this XXXX!!!!! They just decided to refigure the amount twice!!!!!! How nice wish I could do that. They are pissy because I REFUSE to let them deduct from my account. OH XXXX XXXX!!!!!!!! Last time they cause {$71.00} in insufficient fund charges.
Product: Money transfer, virtual currency, or money service

Paypal account on XXXX XX/XX/XXXX was locked for 180 days due to Acceptable Use Terms of Violation. I contacted Paypal customer service and stated can you please tell me what transactions were in violation of the agreement? I said I am reading over the agreement and I do not see any transactions. Paypal stated no we can't tell you what transactions. I said so you are telling me I am in violation and your company can't elaborate? I said can you get me in touch with a representative that can assist me. She said no you can withdraw your funds in 180 days. I said ok I will wait. Fast forward to XXXX XX/XX/XXXX I checked my Paypal account and they took XXXX of my money. They transferred the my whole balance back to themselves. I called Paypal support and she stated XXXX in damages. I said what damages can you show me some documentation. She stated no. I said can a supervisor please call me back. I believe this is poor customer service and basically theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00}
Product: Checking or savings account

Ok so my name XXXX XXXX this is my second time with Wells Fargo bank. Ok its still showing up on my credit report saying I owe money! So why I got account now with them they try to say I owe more money! From my last account! And I cant even put nothing into my. Account because they saying I owe money but I got a new account they wouldnt even let me get a checking account they are very rude people! I dont think that far to anyone but thanks for taking the time to listen to me!
Product: Credit card or prepaid card

I have a Bank of America rewards credit card. When I applied I was offered cash back. Per the terms and conditions, it stated I would get {$25.00} for every XXXX points. I have points that add up to almost {$9000.00} cash back. I am not allowed to redeem it. I have points from last year of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or  delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX  is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Stewart Title garnished my bank account which is where my paycheck is deposited every two weeks. I am unable to access any funds. 

This complaint was filed fraudulently and based upon the fraudulent actions of XXXX.
Product: Debt collection

They are calling many times a day, weekdays and weekends, hours range from XXXX till as late as XXXX. I have answered the caller several time and tell them this matter has been disputed in writing and was sent via certified letter. I have also ask them to stop calling every time I have answer the call. Each agent making the call will then threaten to take me to court, report to credit bureau and get very rude on the phone. I have ask them to send the notice in the mail not by phone. They will not stop calling!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I still see that inaccurate information on me is reporting. 

On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On Equifax my XXXX is XXXX XXXX and not XXXX XXXX XXXX XXXX name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX XXXX XXXX XXXX to pay off a closed account, they re-aged the account by reporting it as a second account to Transunion. I have only had one account, a revolving account however the second account is showing as an installment account with an entirely new closing date. I'm aware that re-aging an account is illegal, just as well I'm aware that paying the account does not change the date an account initially went into default. I tried resolving this previously via the dispute process however both Transunion and XXXX XXXX XXXX XXXX deemed the information is right when clearly it is not.