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

I've contacted CitiCard regarding my XXXX  credit card accounts via their online live chat on numerous occasions over the last two months. I paid off my account, over $ XXXX, in XXXX yet they continue to bill me for fees. I've contacted them now at least three times to resolve this, kindly asking for fees to be waived, however I received an email notification and collection call within the last few days requesting payment. The balance on this account is around {$23.00}, which are all fees. When the collection automatic dialer contacted me I selected the option to speak to someone, to which it hung up on me. Again not a good customer experience in the least bit. 

I am beyond frustrated, furious and livid that this has now taken so much time to resolve. It's difficult to believe that three Citi Card associates have yet to resolve this concern. The first one asked me to call some other department, to which their call volume was so high you can't even get through. Then I contacted them back again, and again, but yet I still have a balance of fees. 

In all I want this balance removed in full. Obviously, I can afford to pay {$23.00} but it's the principle at this point. In addition, if my account was reported to the credit bureau over this I will be contacting my attorney to set up a litigation case, and will sue CitiCard. I want this resolved and quickly.
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 which do not belong to me or were opened without my permission. 

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

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXX XXXX XXXX Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I saw addresses on there that are not correct. I looked up your website, I have enclosed proof of my current address that you require. 

The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. 

Here is a list of the incorrect addresses, please remove them : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

My Cash App account was tied to my debit card with XXXX. During the end of XXXX and through XXXX both my XXXX and my Cash App were hacked and fraudulent checks were deposited to my XXXX account and Cash App withdrawals were immediately used to pull the money out. The total amount of fraudulent checks deposited to XXXX were {$17000.00}. The total Cash App fraudulent withdrawals totaled {$10000.00}. When the fraud was discovered I immediately deleted my Cash App account to prevent more fraud. XXXX provided me copies of the checks that were found to be altered/fictitious and not my responsibility, they reversed those checks out of my account. The Cash App transactions were not reversed and XXXX is refusing to accept responsibility and is now turning me over to a collection agency. I've tried many times to get in touch with Cash App and the only way possible is by Chat through the app. They are telling me that because I deleted my account, my account data was wiped and no longer available. They will not provide me with a way to report the fraud for investigation. While my Cash App was active I would always get an email of my transactions and I never received any emails of the transactions that were fraud.
Product: Credit reporting

There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report.
Product: Debt collection

Date Assigned XX/XX/2018 Account Number Open PORTFOLIO Recovery Original Amount Owed {$990.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received an email notifying me of the debt. On XX/XX/XXXX, I asked for more information and debt validation. A few emails went back and forth, I got a few phone calls during times in which I could not answer. I sent a letter following up that I would like more information and debt validation. I received a letter back asking for information that is not required for debt validation. I received another email on XX/XX/XXXX asking me to call in regards to the debt, I responded to this email reminding them that I asked for debt validation in XXXX and attached the letter I sent which requested them to stop contacting me if it wasn't in reference to the debt validation and to remove everything from my credit history as the debt is being disputed. I never got a response. They are still reporting on my credit history, they have not provided anything to validate the debt, and if this is not fixed by the end of the month, I will be contacting an attorney to sue.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On Saturday XX/XX/2018 I viewed an apartment at the XXXX XXXX XXXX XXXX XXXX. As part of the application process, the leasing agent requested that I sign a Lease Contract Contemplated. The Lease Disclosure of this document states that I am not approved until management countersigns the document. On Sunday, XX/XX/2018 I withdrew my application. The leasing agent responded asking if I wanted to see another larger home. However it was out of my price range. The next day, I received a invite from another leasing agent to view a larger home. 

On XX/XX/2018, I received a notice from management stating that I would receive lease break fees if I chose not to occupy the home that I had withdrew the application for.. The manager had proceeded with processing my application, despite my XX/XX/2018 application withdrawal ( SEE XXXX EMAIL ). He provided a countersigned Lease XX/XX/2018 ( see time stamps ). He provided me an Lease Break invoice with the wrong withdrawal of application date ( XX/XX/2018 ) and noted Paragraph 10 Lease Break stipulation. 
When asked about this error, the leasing agent stated that he management did not report to work until the XX/XX/2018. However, I don't see how this would impact noting the correct date that I withdrew my application. 

Paragraph 9 of the Lease Contract Contemplated- Lease Disclosure states that withdrawal of the lease application prior to approval would result in loss of application fee and deposit, with no further obligation. I have relentlessly tried to resolve this with XXXX XXXX, XXXX XXXX XXXX, XXXX @ Corporate ( no response ) and Blakely Witt and Associates for a settlement. The collection agency is demanding a paid in full settlement despite the nature of the situation
Product: Mortgage

Specialized Loan Servicing might have violated federal law by giving me a monthly payment I can not afford. I am a retired senior citizen. My only income is retirement. Specialized Loan Servicing has all my financials. Specialized Loan Servicing knows my total monthly income. Specialized Loan Servicing proposed a loan modification payment. Specialized Loan Servicing proposed a monthly payment that I clearly can not pay. After I defaulted on the first payment, Specialized Loan Servicing is trying to take away my house. Please Help!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$970.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : 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
Product: Credit card

I have tried 4 times to close my FIRST PROGRESS CREDIT CARD, I have never been late on missed a payment and each time the put some guy name XXXX or something and he ask for all kinds of information PERSONAL after they have verified my account. I refuse to give these people any of the very personal information this guy is asking for ITS NONE OF THERE BUSINESS then he laughs and hangs up. The following number is the complaint number i filed with the FTC # XXXX
Product: Payday loan, title loan, or personal loan

Egregious interest. {$1000.00} interest on pace to ballooned over {$4000.00} in 8 month payoff. Fully taking advantage of people like myself when in need. Personally hard working people better than that, Honorable that has put themselves in position to even be able to apply for a loan shouldnt be taking advantage of like this!!! If this is Fair. Everyone needs a Blueprint on this Lending/Loan Company.. Totally XXXX!!!!! Also once I learn interest rates immediately paid off loan. Wasnt able to but it beat the long term interest for a messily {$1000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
This letter concerns the XXXX XXXX account ( Account # XXXX ) which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon review of my payment history and records, I have verified that all payments were made on time. I initially disputed these inaccuracies on XX/XX/XXXX, yet the account remains incorrectly reported. 
Account Details : Account Number : XXXX High Balance : {$720.00} Last Verified : Not provided Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Closed Date : Not provided Account Rating : Closed Account Description : Account was in dispute - now resolved - reported by subscriber Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Current Payment Amount : {$43.00} Last Payment : XX/XX/XXXX Credit Limit : {$500.00} Two-Year Payment History : Reflects 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Legal References : 15 USC 1681i ( a ) ( 2 ) ( A ) ( i ) : States that consumer reports should not contain inaccurate information regarding transactions or experiences between the consumer and the furnisher. 
15 USC 1666 ( b ) : Requires creditors to adopt reasonable procedures ensuring timely delivery of billing statements. 
15 USC 1637 ( b ) : Mandates accurate disclosure of account details in periodic statements. 
Request : I request that you : Provide a detailed description of the investigation procedures used to verify the reported late payments. 
Supply documented proof of the late payments, including specific dates, amounts, and any supporting communication. 
If no valid evidence exists, correct the account status to Paid As Agreed Never Late immediately. 
I expect your response within the 30-day investigation period stipulated by the FCRA. Failure to comply will be considered a violation of federal law. Attached are copies of my credit report and supporting documentation for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts and unauthorized inquiries and addresses linked to my profile. These are not affiliated with me, and I never authorized them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Transunion sent me a document stating that they have deleted ALL of the below listed Hard Inquiries from my consumer credit report- For which my Transunion consumer report still displays every hard inquiry that it claims have deleted. XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

2 Private Student Loans via Sallie Mae Opened XXXX Joint account with XXXX XXXX Date of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines.

Fall Off Date should be XXXX XXXX. 

This is an easy fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Dear Sir/ Madam Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Social Security XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX CHILD SU XXXX Balance : {$0.00}
Product: Credit card or prepaid card

This is in reference to case number XXXX. This case was summarily closed as being a duplicate. In actuality it was attempt to clarify the erroneous result of the investigation. 

Please consider the following : Attn : CFPB, XXXX XXXX Thank for the time and effort you have given to my situation. 

A. The matter regarding credit for {$5000.00} for a charge made to XXXX B. The matter regarding credit for {$2800.00} for a charge made to XXXX a. The result of your review is based on your misunderstanding of the timeline and coincidence of the amount and reason ( s ) for disputes. 
Recognize there were XXXX separate charges for {$5000.00} in close to one another. The first was to XXXX ; transaction XXXX and the other to someone from XXXX XXXX, XXXX, NV : transaction XXXX. 
I called in a dispute in XXXX. 2016 for the transaction XXXX in the amount of {$5000.00} by someone in XXXX NV. I did not make this charge. As you can see by the foreign fees I was in XXXX. Yes when noticed this charge I immediately called it in. The card ending in XXXX was cancelled by your fraud department and I was given a new number ending in XXXX. This was handled as it should have been and thank you for the great service at that time. 
Now fast forward to present time. I am now disputing the transaction XXXX, a charge I did make at that time in the amount of {$5000.00} to XXXX. XXXX has been shut down for fraud by the government and has gravely impacted its members due non-access to products and services and the internet marketing system. 
b. The charge for {$2800.00}, transaction XXXX to XXXX  was mentioned in the initial case submitted through CFPB. This is a charge that also represents the payment made to this failed company. The refund in the total of {$7800.00} is requested. XXXX + XXXX = XXXX. If I have to or there is a need to file a separate claim for this charge based on the same reason : FRAUD, then I will do so. Please advise. 

My response is in direct response to XXXX XXXX, XXXX XXXX, XXXX XXXX  received by mail.