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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank cancelled my year old Citibank Double Cash Rewards credit card based on a lie and refused to credit my earned cash rewards. Citibank closed a previous account a few weeks ago, claiming it was skimmed. Citibank issued a new card. I went to their website to make sure it was set to AutoPay as before from my existing Citibank checking account, selected as a pulldown from a list of all my Citibank accounts. A couple of days ago, I tried to use my card and it was declined. I called and spoke with several agents. One agent looked into the problem. He saw that the Citibank account number in their system was missing a single zero. He fixed to problem, returned my {$25.00} fee and said all was good. We processed a {$2700.00} payment to the card account. A day later, the card was declined again. I called several agents again. A manager looked at the problem, said he was furious for me that his would happen. I paid my full balance every month and the card should be reinstated. He filed an internal complaint to upper management, saying I would receive a call back. Today, someone from Citibank, calling themselves XXXX XXXX, ( XXXX ) called me. I explained the whole issue and she told me the account was closed with no option to reopen. She called me a liar and said that I entered the error when typing my account number. I told her I typed nothing, but picked the account from the pulldown list. She called me a liar again. I asked what happened to all my Double Cash Rewards Points. She said they were forfeited. I asked her how she can mistreat a paying customer over a single zero   typo error, whether Citibank made it or I made it. She said that's it. Account closed. She claimed that everyone is treated the same. To me, this is clearly fraud. I have screenshots from the Citibank website showing my accounts listed in the pulldown. I did not need to enter any numbers. Her claim that I typed the wrong number, when she knows full well that I did not, is a lie and a fraudulent basis to close my account. By her claiming my already earned Double Cash Reward Points were forfeited is clearly theft. I want to open a case against Citibank for defrauding me of my account and my already earned cash reward points. This is unconscionable behavior which must be punished. I would not be surprised to learn this person has defrauded and stolen from many others the same way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and Equifax if they do not validate the account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

On XX/XX/year>2024, I authorized Synchrony Bank 's teleservice center to charge a payment using a previously known account. 

On or around XXXX/XXXX/204, Synchrony Bank informed me that the payment had been reversed. A new higher payment amount, including penalty is now due. Aside from any penalties Synchrony Bank will assessed by your group, I am looking for some compensation in filing this action. 

I contacted Synchrony Bank 's customer service center and they did not admit to the error, moreover Synchrony Bank attempted to collect the entire amount
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated to find unauthorized inquiries on my credit report this morning with no idea how they got there. I checked my report as I always do, but this time I found discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be a glitch, but they didnt disappear. Because of this, Im requesting that the documents I submitted be thoroughly reviewed so I can finally put this worry behind me.
Product: Debt collection

I was with  XXXX  for 18 months with a family plan (   XXXX    XXXX   XXXX  ), they told me my plan was going to be  XXXX  dollars a month I star receiving bills how they promised, 3 months later they star increasing to  XXXX , 9 months later  XXXX , until I got tired and decided to go back yo my last  carrier   XXXX , when I port the numbers att Took the phones and told me they were going  yo send m e a prepaid visa to pay  XXXX  ( because I gave the  XXXX  to  XXXX  ), before that  XXXX  told me to pay off the phones and the last bill was going to be {$1000.00} dollars which {$180.00} the last bill and {$300.00} each phone, so I decide to pay the last bill and wait for  XXXX  to send me the prepaid visa to pay off the phone,  ,they said that I had a remaining of {$900.00} dollars, now a 3 weeks ago I received a phone call from a  collection agency that I owe then    XXXX   XXXX   b ecause  XXXX  coold not wait and decided to take me to collection, and now I owe the collection agency more that my balance with  XXXX  because I waiting for the prepaid visa from  XXXX , my question is if is legal now what the collection agency is doing charging me more for what I owe  XXXX ?
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 



( XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

I signed up for a Barclay XXXX Credit card. 
The T & C 's presented during the sign up process and the T & C 's of the card I received had a significant difference : the APR on the card is 24.99 % but the advertised APR was 15.24 % or 18.24 % when you open your account, based on your credit worthiness. 

I called Barclay customer service on XXXX to have the " Bait and switch '' resolved. They said I would have to file a written complaint and provide documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, which puts me and millions of other people at risk. 

XXXX XXXX XXXX XXXX I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit card or prepaid card

I purchased from XXXX on XX/XX/XXXX at XXXX and paid {$190.00} for what they advertised as " Consumer Leads '' with my CapitalOne credit card. But when I found they are just data not " Consumer Leads '', I cancelled right away on XX/XX/XXXX at XXXX. 
Leads mean people who opted-in & agreed to be contacted ( has IP, Join Date & Lead type filter to prove their consent ) XXXXThese are just peoples data, ( No Opt-in IP, Join Date & Lead type filter ). ( Not TCPA compliant! ) I called XXXX at XXXX for their misleading advertisement & to ask for a refund but no one answered. 
I called CapitalOne to dispute the {$190.00}. They did a purchase adjustment - {$190.00} on XX/XX/XXXX, but then I got charged again {$190.00} on XX/XX/XXXX and got an online letter " Repre Rebill Need Rebuttal '' saying below. 

" Since then, the merchant provided the following information to support the transaction : Confirmation showing no cancellation per policy was received. So for now, we are reapplying the charge to your account ... '' I called CapitalOne again because I cancelled it on XX/XX/XXXX and has the confirmation email! I was told to upload all the proof I have to a CapitalOne link & wait for the response. Then I got an online letter " Can not assist '' on XX/XX/XXXX. 
" While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' I called again. The rep said it is the signature that it lacks and she send a CapitalOne link for me to upload it a XXXX time. So I not only type but Esign the 2nd document. 

But on XX/XX/XXXX, I got a 2nd online letter " Can not assist '' saying the same thing. 
I called CapitalOne, The new rep said the merchant agreed that it is cancelled so it won't charged my card in future. I said what about the 1st month? I cancelled on the same date XX/XX/XXXX! She said I need to prove I didn't receive what I purchased. I already explained clearly in the 1st & 2nd documents I uploaded. I purchased " Consumer Leads '' not " Consumer Data ''. I use another provider, XXXX, they call it what it truly is, not like XXXX lying. If it's data, XXXX call it " Consumer Data '' not like XXXX calling their data " Consumer Leads ''. The rep then understood & send me a 3rd link and told me to include XXXX 's info. 
I attached screenshots showing how XXXX 's leads page has IP, Join date, Lead type filter and XXXX doesn't. I uploaded everything and still got a 3rd online letter " Can not assist '' on XX/XX/XXXX. 

XXXX  has no IP, Join Date/Opt-in date, Lead type filters to prove people 's consent to be contacted. ( Not TCPA compliant ). XXXX call their " data '' leads when another honest provider, Salesdatapro.com call their " data '' data, and only call " leads '' when it has IP, Join Date/Opt-in date, Lead type filters. 
And CapitalOne isn't helpful at all. I doubt they even read what I uploaded! I submitted XXXX support ticket & called many times but no one responded or answered! Yet, CapitalOne keep saying on the " Can not assist '' letter to work with Merchant directly for the refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, XXXX and Experian did not do a proper investigation according to the FCRA. The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers 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. 
All three credit bureaus did not do this. 
Also, XXXX, XXXX and Experian have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau Experian, XXXX, and XXXX all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
XXXX, Experian, and XXXX stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to the law 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. I as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. ( Experian and XXXX used Post Cards ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00}
Product: Credit card

Was overcharged for a hotel stay on XX/XX/XXXX and have asked for the overcharge of XXXX be credited back to my account. I have provided documentation proving that there was an overcharge and have gone back and forth with Netspend Dispute Resolution Dept for months now without any response or correction of said charges ( see attached information for details ) I am looking for resolution for CLAIM # XXXX - that I have sent numerous requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I get the textbook response that I would be contacted within two business days regarding this claim ... and have yet to hear back from NetSpend regarding this issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Product: Bank account or service

Usaa bank did illegal closure of my checking account, savings account, credit card, renters insurance and auto insurance and illegal credit reporting. I need help from media FTC Now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, 09 XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$68.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my ChexSystems report, I noticed an inquiry from XXXX XXXX  that was not authorized on XX/XX/year>
Product: Checking or savings account

XXXX XXXX XXXX reply result Dear cfpb Complaint ID : XXXX It is refer to the feedback. TCF Bank refuses compensation my all deposit. 
TCF Bank copied my deposit checks and sent to the bank in front of me. I wait for over two months without the reply. I asked the reason. They said they do not reply me. You can contact them. They refuse the compensation. 
I said I only gave money as deposit for your TCF Bank. You gave to the bank without my permit and I do not know that you gave the bank and I do not know that bank. Thus I only ask your TCF Bank compensation. TCF Bank refuse the compensation. 
Because TCF Bank owes my money. It is the fact and they refuse the compensation. Thus I ask TCF Bank to compensate {$2500.00}. Add interests. 
Now the national all attorney general together object the company to bully the People. Therefore I ask the compensation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.
Product: Credit card

I have a very low interest card with bank of america. It should only charge interest after the XXXX months, and they charge {$78.00} at least XXXX months before the time when they are allowed to charge the high interest rate. I complained, a request for a refund was made and then they declined to do the refund.
Product: Credit card

I received a returned payment on XX/XX/XXXX. I tried to rectify but was no longer able to use the card. I called target to figure out why and they told me that they closed the account on the same day. I was not given any notification or chance to correct the situation. I was told that they can not help me and can not reopen the account as they sent out a letter of notification on the same day that the payment was returned.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX credit report/credit inquiries that i did not authorize.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Comenity Bank, Victoria Secret and XXXX credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still has hasn't been updated or removed.