23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Not applying payment in timely manner. Can only pay by phone, can not access online. Can not access my statements. Automated system states payments will be applied within XXXX business days but its taking up to XXXX business days. Have paid on this card for years with no problems and all the problems started a few months ago and the company is making no effort to correct the situation. Customer service is horrible.
Product: Credit card or prepaid card

THEY WILL INVESTIGATE IT AND WILL SEND ME A LETTER WITH THE RESULTS IN 60 DAYS. THEY HAVE CLOSED BOTH CARDS AND I NEED TO SEND A LETTER TO THE CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed 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 XXXXXX/XX/XXXX **Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

I have called and tried to contact the hospital and debt collector to get a mailed bill or an account number with balance from them and no one I have talked to at hospital or debt office can find the information or says I do not have an open account or balance due.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized credit inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. These inquiries were made without my explicit written consent or legitimate business purpose.

Below are the details of the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Type : Bank Credit Cards Under the FCRA, credit inquiries must have permissible purpose and written authorization. I request that these unauthorized inquiries be removed immediately from my credit report. Please provide written confirmation of the removal.

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.
Product: Checking or savings account

On XX/XX/XXXX a Sunday XXXX I went to Citibank ATM to deposit money into my checking account like I've normally done before I deposited {$1900.00} when inserting the money the machine that XXXX trying to pull the money out didn't allow me to the money just got locked in the machine and the machine shut down and released my card after : Citibank I received a provisional credit After the investigation I received {$520.00} back on XXXX XXXX what happened to the other {$1400.00} that's the mystery nobody knows nobody has an answer for me I am not stopping here this is absolutely insanity Citi Bank is stealing my money and it's illegal I will go all the way to the top I am about to go to the police and file police report for Citi Bank stealing my money if they have antiquated systems for Citi Bank they need to update their ATM that's not my fault I have a Lotta money in those accounts please let me know if you need to see the account summaries
Product: Checking or savings account

On XX/XX/year> I received a text about two charges from XXXX asking if I recognized the charges. I immediately said no and I was told my debit card was disabled, so based on prior experiences. I thought I was okay and that the issue was resolved and I would call the next morning and get a new card. The next morning I woke up wot almost XXXX gone from my account after XXXX  put in multiple recurring charges to my account one right after another. I immediately called well 's fargo and filed a claim and they replaced my debit card. However, the person filing the claiim not only put {$10.00} on the claim that I told her was a valid charge from when I originally bought services from XXXX, but she also ordered a new debit card and released it to all merchants to the entity that hacked my card was then able to continue to take money out of my account. I immediately responded and told them to get rid of my debit card immediately. After the original claim was filed which was for over {$6000.00} I was told it had to go to the high dollar fraud " back office '' : with whom I could have no contact with and i would have a provisional credit within 10 days. On XX/XX/XXXX I was told my claim was being resolved and I was getting a provisional credit for that high dollar amount. Nothing happened and I continued to be overdrawn. Finally I was able to get XXXX from the back office to call me again and he told me because this {$10.00} was included in the claim that they were saying I didn't report it in 60 days and it was then voiding the claim. I told him that should have never been on there.and they are now saying that even without the {$10.00} they are denying the claim due to the 60 days. I was told by XXXX on XX/XX/XXXX it would be reworked and resolved after also being promised a provisional credit on XX/XX/XXXX which never came then I was told that they are now denying the claim and they claim they tried to contact me and I never received any phone call or documentation from the bank to ensure that I was able to provide proper documentation to show that the company did admit my information was stolen and to fix the error the bank made. The company has admitted that my information was stolen after valid charges were made, as attached in the email response, but they will not refund me the money since I filed a fraudulent claim with the bank they said they have to work with the bank.
Product: Money transfer, virtual currency, or money service

I went to the bank to cash my checks after selling my corn, my soy beans, my calves and insurance check to fix the bathroom floor and kitchen ceiling. The girl at XXXX XXXX up, took my signed checks and then went to talk to a manager and then the manager came and refused to give me my checks back and refused to give me my money, stealing my entire income for the year from me leaving me to live off of a credit card the rest of the year and get screwed over completely in a divorce costing me XXXX XXXX XXXX XXXX XXXX the managers name is XXXX XXXX
Product: Student loan

Ibr is set up for the college students coming out under the age of XXXX, not for mature adults who have a mortgage, retirement plans, children and other major expenses. At work I was told to get my XXXX to keep my job and now find the repayment plan is almost as much is mortgage payment. Worse yet l be paying into retirement and jeopardizing my future retirement. I can not afford XXXX month payment and my spouse will not pay XXXX of my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.
Product: Mortgage

I was unaware that a mortgage that I had with XXXX was transferred to Fay Servicing. I discovered this through routinely checking my own credit report. XXXX is NOT on my credit report. The primary borrower is not communicating with me at all, including sharing loan information ( account number, payoff balance, monthly payment amount, correspondence with loan company, etc ). 
The ONLY knowledge I have has been provided through my credit report or through credit disputes. 
I would like to take responsibility for this loan to prevent further attacks on my credit. I am willing to have automatic payments withdrawn from my checking account even though I have NO ownership of the mortgaged property. I have sent a letter to Fay expressing my interest in making me the primary borrower & requesting more account information to allow me the access to do this. I have not had a response.
Product: Debt collection

I reached out to CFPB to contact Global Payments Check Services on my behalf to stop contacting me about a debt that I owe them. Global Payment Check Services responded and told me that they will take the necessary steps to immediately cease further contact for collections purposes and will submit the chargeback and dispute to the merchant. I received another letter from Global Payment Check Services today XX/XX/2022 asking for a police report and notarized affidavit of forgery referencing this specific check. They are NOT suppose to be contacting me about this matter any longer per the companys response. This was already disputed and resolved. They need to STOP contacting me.
Product: Debt collection

I had a leased car from XXXX XXXX XXXX. The lease ended XX/XX/XXXX. In XX/XX/XXXX, I was send a bill for State of Massachusetts excise tax for the full year XXXX. I called XXXX XXXX XXXX and told them I would apply for the 23 days in XXXX that I had possession of the car, but would not pay for the 242 days of auto excise tax that I did not have the car. I called the state of Massachusetts and was told that I was not responsible for the excise tax during a period when I did not have a legal agreement to lease the car from XXXX. I paid all my lease fees, returned the car to a dealer on XX/XX/XXXX and was considered paid in full. I later found out that XXXX XXXX XXXX sent me to collections with company named Vital Recovery Services. I refused to pay them and was reported to the credit bureau as delinquent. This has been affecting my credit rating for over a year. I have spent hours on the phone trying to explain this the XXXX. I need help in getting this resolved and the delinquency removed from my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$170.00}
Product: Debt collection

This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Experian credit report Ive called many times and no resolve!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.
Product: Credit reporting or other personal consumer reports

" I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolve. I request immediate investigation and removal of this, as it is incorrect and does not reflect my true credit history. ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically Cash App 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 me to be significantly inconvenienced and suffer financial loss and I seek appropriate redress for these violations.
Product: Debt collection

They have called my cell XXXX times and only let the phone ring XXXX before hanging up.
Product: Credit card or prepaid card

Formal Complaint - Citi Credit Card 's Failure to Protect Consumers and Unresolved Charges Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Protection Agency concerning an ongoing issue with my Citi credit card and unauthorized charges made to XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX in the amounts of {$1700.00} and {$1100.00}, respectively. 

Despite my numerous complaints and substantial evidence proving that XXXX XXXX did not complete the promised repairs nor resolve the issue at hand, Citi Bank has failed to protect its consumers from unwarranted charges. The primary concern was a malfunction in my car 's air conditioning system, which persisted even after the services were supposedly rendered. As a result, I was compelled to return to XXXX XXXX on XX/XX/XXXX XXXX XXXX with the same recurring problem. 

The transactions in question were executed without my informed consent and are an egregious violation of consumer rights. I have diligently attempted to address this matter through Citi Bank 's customer service channels, providing substantial evidence and records of communication with XXXX XXXX. Regrettably, the resolution provided thus far has been inadequate, leaving me financially burdened and utterly dissatisfied with Citi Bank 's handling of the situation. 

I find it deeply disconcerting that Citi Bank has overlooked the glaring evidence presented to them, neglecting to rectify the unauthorized charges and protect its customers from such unjust practices. This incident not only undermines my trust in the institution but also raises concerns about its commitment to consumer welfare and satisfaction. 

I request that the Consumer Protection Agency conduct a thorough investigation into this matter, taking into account all pertinent evidence provided in the enclosed documentation. I urge you to hold Citi Bank accountable for its failure to safeguard its customers ' interests and to enforce appropriate measures to rectify this situation promptly. 

My pursuit of a fair resolution is not only in my best interest but also in the interest of all consumers who deserve the protection and integrity that reputable financial institutions should provide. 

I sincerely hope that the Consumer Protection Agency will act expeditiously and diligently to address this complaint and ensure that consumers like me are treated with the respect and consideration they deserve. 

Thank you for your time and attention to this matter. I anticipate a prompt response and a just resolution to this unfortunate situation. 

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

In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}
Product: Debt collection

For the XXXX time ( 2016 ) I was contacted through mail from XXXX XXXX XXXX that I owe money to their firm. I have enclosed my judgement  proof of XXXX ( Supplemental Security Income ) as well as XXXX XXXX XXXX check stubs to provide proof of my claim
Product: Credit reporting or other personal consumer reports

I became aware that Equifax has locked me out of my account. I emailed the support team and I was informed that they do not have my email " XXXX '' on file for an account. However, when I attempted to create a new account, I was alerted that I already have an account. I only used the said email for this account. Please see attachments verifying I already have an account on file with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account had been disputed in XXXX of 2021 by the original collector. Company put it back on my report on XX/XX/2021 Was receiving harassment calls every single day, told company to leave me alone as debt had been removed and yet would receive a call. Have blocked calls from this company Source Receivables Management and would still receive calls. This account was closed down Im not understanding why it was opened back up again and report to my credit when it had been disputed.
Product: Debt collection

TSI ( Transworld Systems Inc. ) sent me a letter saying I owe {$3800.00} ( random charge {$3200.00} + random fee of {$590.00} ). They said this is for " XXXX XXXX XXXX XXXX '' and didn't provide any other details. I've never lived in XXXX XXXX and have nothing to do with XXXX XXXX. Only debt I have is XXXX Credit card, my car and my motorcycle, which has nothing to do with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$900.00} XXXXXXXX XXXX XXXX, OAG CHILD SUPPORT ENFORE {$14000.00}, $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ( XXXX ) XXXX, {$1200.00} XXXX XXXX XXXX, {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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