23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I called the XXXX XXXX XXXX to obtain a single one way ticket from XXXX, MD to XXXX, NJ. 

I spoke with an XXXX representative named XXXX. I was under the impression I booked a ticket after giving all of my information ( personal and credit card information ). 


I didn't receive an email verification or any tickets in the mail so on XX/XX/2021 I called XXXX XXXX  to confirm my reservationand the representative let me know there was no ticket purchased under my name. 

I booked another XXXX XXXX XXXX from XXXX for {$97.00} and immediately received my e-ticket via email. 


When I was away out of the country I received a fraud alert from my credit card company stating I had several charges on XXXX totaling almost {$1000.00}. 

These were not made by me and I have been fighting to get charges removed with no success.. 

It has been XXXX months and I have receivedno information from XXXX as to where the charges came from. 

My cell phone isXXXX. Please call me or reply to this email. I am cc-ing my attorney to pursue legal action for these fraudulent claims made on my account. 

I have also mailed the MD Generals office a hard copy of all correspondence including this email. 

I have made continuous to Chase and Southwest Rapid Rewards and have received no help.
Product: Debt collection

I have a debt collector calling my number over and over for someone I do n't know. There is never a person and always a recording giving me the debtors name and address. How is this a legal tactic? The company is GC services and their number is XXXX. Can something be done to punish this company, or are they acting within the law?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of charge card accounts COMENITYBANK/BURKE account # XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 COMENITYBANK/BURKE # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
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.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$3400.00}
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/2020 we had a presentation for a vacation membership in Hawaii were the sales person told us many times this was not a time share at the en of the day we we agreed to buy a membership that was said by the sales persons we could cancel at any time so we continued with the transatlantic where we pad with some fees with our credit card but after we got back from those vacations ( Hawaii ) we got a bill from XXXX XXXX   credit account by comenity bank. We reviewed the contract and the name of this bank or any other information about a loan, service agreement nor any information regarding this line of credit was found. We called XXXX and asked to terminate this membership but they are not willing to do so
Product: Mortgage

During the pandemic I had my property in forbearance for 6 Months. 
I feel that they over charge me and as much as I complain I Could not understand their miscalculations. Like they add the miss payments to the end of the mortgage this make my total loan a lot more of what I owed but also they increase my payment because of the forbearance money owed. I feel Like I have been doble charge. I still do t understand their calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent lates reported on my report from a number of creditors that I have been in Forbearance with due to a financial hardship caused by COVID-19. I provided proof that I was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Experian to investigate and remove the late payment reporting that was wrongfully applied to my report. 30 days later I received an update that all of the payments were verified by the creditors. I called back and asked for the proof or documentation that differed from mine. 
The rep from Experian simply told me it's " verified ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Product: Debt collection

I did not consent to, authorize nor benefit from these accounts. Along with XXXX  has violated my federally protected consumer rights under the FCRA and also under Truth in Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX  ( XXXX XXXX XXXX ) obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately.

The following account was a Charge-off. Balance should be 0. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. XXXX should be 0. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 8. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX  XXXX- " Requested '' XX/XX/XXXX 10. ) XXXX- " Requested '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX- " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error 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: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out and here is the Tracking #. 
XXXX and XXXX. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have attached the updated credit reports still with inaccuracies across the bureaus after these items were verified according to the law. 

Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit card or prepaid card

XX/XX/2020 this is my second call to Citi Card and I called to pay off a balance of XXXX. I was told I couldnt pay off the balance until I pay off another balance with them first. I couldnt understand why my balance was decreasing after never being late on payments and paying extra every month. It has been at XXXX for almost a year with the same balance! They refuse to allow me to make a payment to pay off a balance of XXXX with a interest rate of 9.99 %. Is it possible to find out where all the money that I have been paying is going and why it isnt showing up or helping decrease the balance. Further more we are in the middle of a pandemic, why am I not allowed to clear up debt regardless of how small. No one wants to be behind consistently during these times! Our country is in crisis yet Im able to pay a small bill that they refuse to allow me to pay! Legal action must take place!
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I opened a Bank account with XXXX  XXXX XXXX about 2 years ago, shortly after opening this account I was the victim of theft of my XXXX, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when XXXX  XXXX XXXX called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from Chexsystems on my consumer report. I followed all of the directions given to me by both XXXX XXXX XXXX and Chexsystems. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both XXXX XXXX XXXX by mail and to Chexsystems by Dispute. I have made at least 4 disputes to chexsystems and I sent a XXXX dollar bill in the mail I sent to XXXX XXXX XXXXXXXX with the police report they specifically requested for the removal of my name from Chexsystems. I called the risk department 2 months after mailing in to XXXX and they claimed they never received my report and money. Chexsystems has also failed to send the information to XXXX as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.
Product: Money transfer, virtual currency, or money service

XXXX has gone bankrupt and send claim codes for funds held with them that are supposed to be redeemable through PayPal. 

The codes do not work.
Product: Money transfer, virtual currency, or money service

On or Before the Day I used my XXXX A.C.H.Checking Account and A.C.H.Savings Accounts, to AMAZON on XX/XX/2022. I used AMAZON Checking Account to make purchases and never received my Refund or My purchases.
Product: Mortgage

XX/XX/XXXX called Fay Servicing because on my 1098 form they did not include my PMI insurance amount that I have paid all year. 
they also failed to supply it for XXXX I need this for a tax deduction i was told a request was being sent to that department. 
i was also told laws have changed and they don't need to list it anymore how can this be? this company is taking advantage of many people. I never asked for this company and I am trying to do the right thing while they are lying and manipulating people and stealing
Product: Mortgage

I used to be a customer until they sold my account. I didn't know nothing about Loan modification and was told by a Representative that my same loan would continue but it would be cheaper. Didn't know I would have to start over from day one after 10 years
Product: Mortgage

Requested to have PMI removed from Wells Fargo when the LTV was below 80 %. Home was purchased in XXXX and appraised for $ XXXX. Requested to remove PMI in XXXX and an appraisal was requested. Appraisal came in with a value of $ XXXX considerably lower than purchase date. Appraiser did not use appropriate comparables and valued the home well under the neighborhood value. After much debate with Wells Fargo, we requested another appraisal to remove the PMI which took place in XXXX. Wells Fargo had the same appraiser come out to evaluate our home. This time, the apppraiser valued our home $ XXXX. We provided the appraiser with appropriate comparables, XXXX being our immediate neighbor and neither comparable was used. I feel as though were being misrepresented by Wells Fargo as they chose the same appraiser twice, even when we requested a different appraiser. After we were denied our requests with Wells Fargo we were forced to refinance with another company. We refinanced with another company on XXXX and our home was appraised for $ XXXX. We had paid months of PMI payments that were not needed and a second appraisal fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to file a dispute with Experian but they always send me a letter stating that they will not do an investigation which is my right by law. I have attached the letter that they have recently sent when I filed a dispute with them. I am trying to correct my report and they are making this a problem. 
The items are XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Checking or savings account

I opened this account on XX/XX/XXXX with the intention of using it as a checking account. I have maintained a positive balance since and have had several transactions since I opened the account. I have been nothing but transparent with your institution and do not agree with the closure of my account. Especially under the circumstances in how it was completed. 

On XX/XX/XXXX I found out that my account had been closed without my permission and without any notification via email, traditional mail or the Wells Fargo banking system. By law, banking institutions may close bank accounts, but they are required to notify account holders so they have adequate timing to seek another banking resource. In addition, a banking institution is required to notify customers when they intend to close their accounts so they can properly transfer their direct deposits. As a result of no notification, my payroll deposit was rejected and I was unable to gain access to my funds which are deposited on bi monthly basis. As a result, I was unable to pay for bills and everyday necessities. Following the call on XX/XX/XXXX, I contacted the branch manager ( XXXX XXXX ) at the same location that I opened my account. XXXX informed me that he looked into the situation and that his representatives at the customer service department couldn't explain why bank account was closed and that there was no logical reason either. His source couldn't explain why the account was closed even if it had a {$0.00} balance for 10 days and stated that other accounts with negative balances over for a longer period weren't even closed. During the past 90 days, it has been difficult near impossible to conduct in person transactions. In fact, it was against the law due to Washington 's Stay at Home, Stay safe order in reaction to COVID-19.