23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX24 XXXX XXXX  MST - Received a text from Citi Card We need to speak to you about XXXX XXXX XXXX, Please call XXXX XX/XX/XXXX24 XXXX XXXX MST - Called Citi phone number as instructed. Reviewed and identified fraudulent charges on account with Citi agent. Informed them that my card has been in my possession. Citi inactivated the compromised card and instructed me that they would be sending me a replacement. Fraudulent charges were marked for dispute and internal review. 

XX/XX/XXXX24 XXXXXXXX XXXX. MST - After reviewing disputed charges on Citi website for my account, I noticed that all XXXX charges ( totaling {$2500.00} ) that I had disputed on the call on XX/XX/XXXX stated " Your dispute has been resolved and no credit has been issued ''. I asked the Citi agent the reason why, and was informed that that department does not work on the weekends and a letter with details would be sent to me. She stated it was sent on XXXX. 

XX/XX/XXXX24 - Filed police report with XXXX Colorado Police Dept ( XXXX ) Spoke with XXXX XXXX XX/XX/XXXX24 - Received call back from XXXX Colorado Police. Spoke with XXXX XXXX XXXX. Submitted all relevant details requested via Fraud Packet as instructed. Was provided case number ( XXXX ) XX/XX/XXXX24 - Received letter from Citi 's Security Operations Service Team ( Dated XX/XX/XXXX24 ), which stated We've completed our investigation and your dispute ( s ) is closed. 

The card 's EMV chip was used to make the disputed transaction ( s ) at the chip card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. 

The charges ( s ) totaling {$2500.00}. will remain on your account, under your account activity ''
Product: Debt collection

I spoke with afini on XX/XX/year> they said they would remove the debt
Product: Credit reporting

Transunion makes it virtually impossible to initiate a dispute on line.
Product: Debt collection

Absolute Recovery XXXX, tn my car was vandalized an there was Gang members across the street Terrorizing us so I call the police and a police report me two weeks later nothing resolved so I took my family out of the apartment and left he gave the keys back to the apartment complex they told me it was a safe area and it was not I have health problems and on XXXX. Amount of {$1200.00} we left the apartment in good condition and we paid last months rent so I dont know where they came up with this amount
Product: Debt collection

Repeated calls when answered they hang up. Company says they are unable to stop this harassment unless I provide them with personal information beyond my phone number. Hang up calls once every day or every other day. Frequently using alternating phone numbers making it difficult to track calls. Generally dishonest harassment tactics. Southwest Debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX BANK Account number : XXXX ( In accurate payment history ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by XXXX and Equifax must be deleted because they are reporting inaccurate information.
Product: Checking or savings account

I have been an account holder with FirstBank XXXX  ( XXXX ) for several years. 
Today I received an account change letter. I believe this new change is designed to punch down at poor people, with an outrageous charge directed at people who have less than {$500.00} in liquid cash or {$5000.00} in assets. I believe this is a violation of the terms of the account I originally opened about XXXX  years ago. I also feel like this is targeted discrimination at poor people ; a {$12.00} punishment to someone who has less than {$500.00} is far more painful than a similar charge to someone with higher income. 

I will be closing my account regardless, but this demands regulatory overview. 


-- -- -- -- -- -- - FirstBank is making changes to your XXXX Account. Starting XX/XX/year>2024, you may be subject to a XXXX Account XXXX XXXX. Your accounts affected by this change are : What this means for you : No debit card fee : The {$10.00} FirstBank XXXX XXXX XXXX XXXX has been eliminated. You will no longer pay an annual card fee per cardholder for this account. 
No XXXX XXXX XXXX  Fee if requirements are met : There will be no XXXX XXXX XXXX  Fee when you meet XXXX of the below requirements. The XXXX Account XXXX XXXX will be waived if at least XXXX account party is under the age of XXXX, however, the fee will no longer be waived once all account parties reach the age of XXXX. Other ways to waive the XXXX XXXX  XXXX  Fee include : Receive at least {$500.00} per statement cycle in qualifying direct deposits OR Maintain a minimum daily starting balance of $ XXXX OR Maintain a combined average monthly balance across personal accounts of {$5000.00} A XXXX XXXX XXXX XXXX XXXX Fee if none of the above requirements are met : If you're unable to meet any of the previously mentioned requirements, the account is subject to a XXXX XXXX XXXX XXXX XXXX  Fee.
Product: Credit reporting

Equifax keeps load on the credit report adverse information that was already deleted.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

Your claim form has been submitted Equifax data breach successfully Your claim number is : XXXX Supporting Documents Equifax Credit Bureau You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button. I sending a copy of the data breach form. Also XXXX forms to have all collections remove since my credit breach from Credit Angency allowed my information to get to third parties.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XX/XX/2023SNAP ON CRDT 12446 IC SYSTEM 15507**** Account Number : XXXX
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section states a consumer reporting agency furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My husband worded for XXXX and Held and was offered an apartment. He lost his job when he was sick and we moved out. We never had a lease and I didn't sign anything saying I lived there. I infact, lived elsewhere. Why is this showing up on my credit?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account reported three late payments from XX/XX/year> to XX/XX/year>. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies section F. The furnisher is to make accommodation for one or more payments during the pandemic and shall keep the account current during this time period. My account was deemed late despite making a full effort to stay current and pay off account. Account is now closed and payed in full.
Product: Debt collection

I am disputing a charge-off on my credit report from [ Landlord/XXXX Agency XXXX XXXX for XXXX apartment lease I co-signed for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apartment. 

I never resided in the apartment and requested to be removed from the lease, but my request was ignored. Now, I am being held responsible for a {$4700.00} balance that I do not owe. 

I contacted the landlord and the collection agency to dispute this debt, but they have been unresponsive. I have also disputed it with the credit bureaus, but they have not corrected the issue. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my financial responsibility. This charge-off is negatively impacting my XXXX XXXX, and I am being unfairly penalized for a debt I do not owe.
Product: Credit card or prepaid card

On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ok, I opened a account with Chase Bank on XX/XX/2022. Ever since I did I been having problems after problems with them. Ive called over 70 times and went to the branch when ever I got out of work early just to speed off to the branch. Nobody wanted to help me but they sure were quick to accept my deposit. I dont understand why they offer online/ mobile banking when we have to go to the branch to repeat the process. Beats the whole purpose of online banking. Dont offer these services if they arent available. I dont have access to nothing been locked out ever since. I tried to get them to open it just so I can pay my rent and someone opened it for me and once I sent my rent through XXXX they blocked the payment and locked me out again. So I called and they told me I was doing FRAUD. Excuse me you dont even know me to be accusing me of such a thing like that. They kept hanging up on me and would throw me to the dogs when I went in the branch. Keep in mind Im late on rent because of this so now I have to come up with XXXX extra in late fees plus the rent. My landlord is mad cuz I told him that I cant pay until I get my money released. So now I broke his trust. Im never late on rent and I hate the fact that Im late because of Chase Bank. Its embarrassing in general. I had to ask around for money just to eat and put gas to make it to work. And thats even more embarrassing I have never asked anyone for money. But I had to in order to survive. Then I get an email stating the hold on my account was lifted and funds were available. So I get all excited thinking I have money now. The email wasnt even true my account was still locked and no funds were available. So they lied. I want them to pay for the embarrassment and mistreating me. I want them to pay for my late fees and pay me for the money I had to borrow because of their nonsense. I also missed 2 days of work just so I can get it settled in person which was a waste cause they didnt want to help me and nothing got solve. So me missing work was pointless and irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX World fiancXXXX XXXX collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over 5k in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
Product: Debt collection

THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to bring to your attention a serious issue regarding my credit report. It has come to my notice that an account, which clearly belongs to someone else, is being mixed with my credit information. This is a significant error, and it is affecting the accuracy of my credit report. I have no association with this account, nor do I have any responsibility for it. The presence of this incorrect information on my report is damaging and entirely unfair.
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 violates the Customer 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seem appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Inquiries : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> Please investigate and delete from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
As you know, you have 30 days to complete this investigation, as per the Fair Credit Reporting Act.
Product: Vehicle loan or lease

My husband is deceased and I can not find the title to his car, I went to DMV they told me the title is in WFS Financial name, XXXX XXXX XXXX XXXX CA XXXX, provided with phone number XXXX which is no longer in service, to my knowledge the car was paid off and my husband used to work alot of OT which he did not have time to go to places like DMV which he may have forgot to flip the title in order for me to get a replacement title I need a letter from WFS Financial a letter of no interest or a lean release letter to give to DMV so I can get a replacement title I called Wells Fargo they could not find anything without a loan # I need to know who to contact and their phone number
Product: Debt collection

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Debt collection

LVNV continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. LVNV is reporting that they are a creditor when they are not.
Product: Checking or savings account

I opened a Citibank account through this link : https : XXXX? XXXX & XXXX The offer was for {$700.00} if I moved {$50000.00} of new-to-Citi- funds and maintained a balance of {$50000.00} for 60 days. 

I clicked directly through that link above but the account that appeared when I logged in to my account was a 'Basic Checking ' account. I called Citi 's customer service only to be told that the promotion was not attached to my account. 

A supervisor told me that it would be fixed and attached but upon another call to them to see if that was true, I was told that fixing the problem after the account was open was impossible. A US-based person I reached by calling the number on the offer page confirmed that my account would not be receiving the bonus despite the fact that I applied directly from the link. 

I could not call customer service anymore because I could not trust what their customer service was telling me. One person would confirm that the bonus would be paid, while another would say that it would not. Even supervisors did not know the details of this offer. 

In the end, I had to close the account. Even though I clicked through the link above, the promised bonus was not going to be given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.