23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recieved a voicemail indicating that my credit card was potentially involved in a large scale compromise. Disturbingly, my brother and parents, who do not appear on my account, were also called. I was told their contact information was obtained via public records. They were not provided account information other than my name, the fact that I had a credit card account with the institution, and the fact that my card was potentially compromised. Everyone I spoke to was very evasive about how and why the determination was made to contact these XXXX parties, not to mention how they obtained the actual contact information for them, my relationship with whom the bank is completely ignorant of. It is entirely possible ( though not the case here ) that XXXX of them could be involved with fraudulent activity using my information.
Product: Credit card or prepaid card

I am writing today in regards to my citi card account # XXXX I made all my payments on time it seems that some interest was added once the account was bought to a XXXX balance. I was unaware of this I was out of the country and since to my knowledge no balance remained I had no payments to make on this account. When I reached out to Citi they informed me that they will reverse the charges leaving me with a XXXX balance. Yet they failed to remove the derogatory indicators in XXXX and XXXX of 2021.
Product: Debt collection

I received an alert on my credit profile showing a hard inquiry has hit my credit report from a business in XXXX FL NCC. I have never received anything in the mail giving me a Chance as a consumer to dispute a debt or to prove me the debt is mine. This is unfair and unethical. This is a repeated pattern with all of the reviews I have read about this company. I contacted NCC immediately and they could n't not tell me anything. This has ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX LA XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem began with Transunion Credit reporting that someone there was a " inquiry '' on my credit report. Since I had not authorized or requested credit I knew this to be false and no one was every authorized to pull my credit. Trying to fix the problem is a headache. 1 ) I was able after several trys and misleading information on Transunion 's web page to get a copy of my credit report and have spent time trying to file an investigation with transunion. 2 ) I was able to pull up my past inquiries without a problem to see what investigations I have pending ( none ) 3 ) I wished to start an investigation and as it states on their web page ; telling me to click on the link above if I wish to start a new investigation. Here lies the problem- there is no link to click on so their is no way to start an investigation to this illegal activity.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be deleted from my report.
Product: Student loan

I began an application to consolidate my loan with SoFi. I began the application online. I was almost done with the application when I saw that my exact loan balance was lower than what was being requested by SoFi. I hit the edit button to go edit the balance. It took me back to the screen to edit the loan balance. I typed in the correct balance and hit the " recalculate '' option. It took me to a page saying that my loan application package had been signed and accepted. I never signed nor accepted the package. It said that I was borrowing {$180000.00}. I never requested that amount, I only need {$180000.00}. I called immediately to have the loan edited or application cancelled. They said given the stage this application is in, they can not withdraw it immediately and they were not able to edit the amount. They said that they are working on it. In the meantime, my credit was pulled for a loan that deceptively tried to get me to borrow almost {$3000.00} additional dollars that I do not need, and most certainly do not need to pay interest on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Vehicle loan or lease

I traded in my vehicle to XXXX XXXX XXXX and the dealership sent the payoff check to Bank of America. I have included the payoff receipt for record. The check was not cashed due to an error on the part of the dealership and Bank of America recorded my account as late. I am including a letter from the dealership stating the error. All of this was out of my control and I want my account updated to reflect PAID ON TIME and have the late payments removed and updated to current. 

I have tried several times to contact BofA directly. I have spoken with managers, regional managers, attempted to escalate this issue higher, and no one will help me. 

This has caused me much difficulty, emotional distress, and financial damages because of the impact to my XXXX XXXX and the consequences of that. I will be seeking counsel and legal action if this is not addressed and corrected by BofA immediately
Product: Credit card or prepaid card

Unfortunately, I purchased a XXXX gift card for my granddaughter from a company called netSpend without reading the fine print on the card wrapper that states she was required her to give them her Social Security Number when she called to activate the card. Rightfully so, she was very reluctant to give someone her SS number over the telephone. Their legal paperwork states they need her SS number because of the Patriot Act. Like other XXXX gift cards that require no personal information for their use, the intent of this card was to use it for a one or two-time purchase for the total amount on the card, not for continuous use. Therefore, I requested a refund for the card via their website. 

I tried to call their Customer Service number to inquire about a refund as it says on the card wrapper, but the only options on the recording was to 1 ) activate the card ; or 2 )  enter the card number. Since the card cant be activated without revealing her Social Security Number, I was unable to speak to a human representative, so I emailed them. 

I was told to call their customer service number or email them. Since I again could not reach a human at Customer Service to discuss this matter, I emailed them. They responded again by saying they would call me. They did, however, I was disconnected before I could answer. I again emailed them to contact me but received no response. 

All I want is a refund. I want nothing to do with this company in the future.
Product: Debt collection

They call none stop stating I owe the 16,000 and desist has been issued
Product: Checking or savings account

i was a customer with wells fargo in XXXX they froze my account and garnished the entire balance
Product: Credit card or prepaid card

I charged an order and made a down payment of {$4400.00} using my Barclays Mastercard for new windows with the merchant ( XXXX XXXX XXXX XXXX ) on XX/XX/21. 

The merchant informed my contractor ( who I hired to install the windows ) on XX/XX/21 that the company would not complete the order because the windows that I ordered could no longer be manufactured. ( See enclosed email from their sales representative, XXXX XXXX dated XX/XX/21 ). 

The contractor informed me on XX/XX/21 that the merchant could not complete the order. 

I contacted the merchant that same day and they offered to provide a different type of window that would need to be modified prior to installation. I declined and requested a refund. The merchant then agreed to process my request for a full refund on XX/XX/21 ( as documented in the enclosed email string ). The merchant later informed me on XX/XX/21 that they would begin to process the refund ( noting that it could take up to 30 more days ). The merchant, however, never processed the refund. 

After waiting over 30 days, I tried to contact the merchant again but they did not respond to my emails or phone calls. 

I submitted a dispute of the credit card charge to Barclay 's on XX/XX/21, was assigned a Case ID ( XXXX ), and was issued a provisional refund of {$4400.00} by Barclays.

Barclays informed me on XX/XX/21 that they reversed the refund based on their ( false ) conclusion that I had canceled the original order, rather than understanding that it was the merchant that canceled my order. 

I sent additional documentation to Barclays on XX/XX/21 that included copies of the email communications between me and the merchant. 

I talked to a Barclays representative ( XXXX ) on XX/XX/21 and was informed that the claim would be resolved within 90 days. 

Barclays informed me on XX/XX/21 that the claim could not be resolved through the dispute process because they were outside the permitted timeframe. 

My concerns are that : 1. The merchant ( XXXX XXXX XXXX XXXX ) did not refund my down payment as promised after they discovered that the windows that I had ordered could no longer be manufactured. This should be resolved by Barclays Mastercard, since the merchant failed to process my refund.

2. Barclays Mastercard took 4 months to review the documentation for my disputes and then told me that they could not assist me with obtaining credit to my account because " We are outside of the permitted timeframes to continue this claim through the dispute process. '' Barclays was outside of the permitted time frames because they did not process my dispute in a timely fashion. Thus, I think that Barclays Mastercard has an obligation to process the credit to my account.
Product: Debt collection

I received two calls from Portfolio Recovery from XXXX different numbers both on XXXX XXXX, 2016. The first number was XXXX and they called at XXXX EST and the second call was from XXXX and they called at XXXX EST. The number that they are calling is my work number and I have asked several times that they do not contact me at work and they continue to do so. They have my cell phone number. I have spoken with a rep by the name of XXXX XXXX and again I have asked that they do not contact me at work. The rep stated that they would continue because I refuse to answer my personal cell number. I have asked them to provide proof of debt in writing and each time they have told me no. I would like for them to stop calling me I have been reprimanded for their unwanted phone calls.
Product: Credit reporting or other personal consumer reports

RE : XXXX  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 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 Please block this information from my credit report within XXXX 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 reporting, credit repair services, or other personal consumer reports

I Seen these inquires on my account and will like for them to be removed.
Product: Debt collection

Received a letter in the mail from North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX stating that they are writing to collect {$24.00} that I owe for XXXX magazine subscription. 
No other details about my subscription provided to substantiate for which subscription period etc. 

I have all records showing subscription is paid and check was cleared by XXXX XXXX magazine for my current subscription.
Product: Credit reporting or other personal consumer reports

I have been a victim of 18 U.S. Code 1028A - Aggravated identity theft. There accounts on my credit file that is a result of Aggravated Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted. 
A copy of my Identity Theft Report and proof of my identity. 
Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX. 


Sincerely, XXXX XXXX
Product: Checking or savings account

First Citizen Bank has allowed their customers access to do ACH withdrawals from my account. I noticed on my bank statement was charged by a company called XXXX XXXX. I call my bank XXXX XXXX XXXX and was give the number of First Citizen bank. The establishment where the money was transferred to. I called First Citizens bank and they were not able to assist me in any way since I do not have an account with them. But after my bank provided me a company id XXXX and their ACH department I was given a cell phone number XXXX. On XX/XX/XXXX I was given a name by XXXX XXXX XXXX by the name of XXXX XXXX. I have been told by XXXX  XXXX XXXX that I need to reach out to the XXXX XXXX but the information that I was given is the exact same as what First Citizen gave me. The two transactions that are in question were made on XX/XX/XXXX withdraws {$65000.00}. Then 4 days later on XX/XX/XXXX there is another withdrawal for {$53000.00}. These transactions are not authorized by me therefore were made by First Citizen bank. I need to get my money back, since First Citizens bank has no information about the account holder they are responsible for helping me recover my money. First Citizen Bank is opening fraudulent accounts and allowing fraud to happen, and when asked who is this merchant they have no information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an error regarding XXXX late payment on an account that I paid on time. 
Account Name XXXX XXXX XXXX  Account Number XXXX It is crucial that the information reported is accurate, and I am requesting your assistance in addressing this matter. Another inaccuracy is the Time Of Payment Reporting ono each credit bureaus is reporting different on each report. Experian, 30 days past due, XXXX 60 days pass due, XXXX 30 days pass due I have included a copy of my credit report highlighting the late payment entries dated XX/XX/year> Please investigate and provide supporting documentation to verify these payments were late. If no evidence can be provided, I ask that these entries be promptly corrected to show an on-time payment history. 

I appreciate your attention to this issue and look forward to a resolution. Please feel free to contact me if further information is required.
Product: Bank account or service

After the death of my brother, his bank CD account, list my name as the beneficiary ( In Trust For ). I went to the bank, with the original form and a current notice " CD Maturity and Automatic Renewal Notice " where my name is listed as " ITF ( my name ) ". Chase ( JP Morgan Chase Bank , N.A . ) will not Honor my claim. I 've been working with them since XXXX 2015. They want to flip it to an estate account. But this account has a beneficiary, so it 's NOT an estate item.
Product: Money transfer, virtual currency, or money service

cashapp close my account in 2020 with my money in it i email them over and over again and at the time they had no phone support and they did nothing to give my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX  XXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must delete wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong reporting, wrong amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX, XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6000.00} Account Name : XXXX & XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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