23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received and alert at XXXXXXXX XXXX via Truist text messaging to alert me out of sleep that my card was trying to be used for XXXX separate purchases of {$200.00} with merchant name XXXX. These charges were denied and I immediately went to retrieve my card to call truist and report the incident but realized that my card was gone. I called truist to report it lost and was issued a new credit card. I was not alerted by the representative to any other charges nor was i alerted via text. I have set alerts on my card to let me know when or if these things happen. 
Around 10 days after the incident I noticed that my credit score had drastically dropped. Checking my score alerted me to the XXXX large in store purchases made from XXXX XXXX XXXX XXXX # XXXX. XXXX for {$160.00} and the second for {$640.00} made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported this immediately and filed a claim. 
On XX/XX/XXXX I received a letter from Truist stating that the case had been closed for the first XXXX transactions due to never posting to the account. The next day I receive a letter about the charges from XXXX stating that the disputed transactions below ... for {$160.00} and {$640.00} as well as any accused finance charges and/or fees if applicable, will be removed from your credit card balance. It states that I am to still pay my min balance. It states if our investigation does not confirm your dispute you will receive notification that charges will be placed back on your credit card. 
Truist never removed these charges so I called and spoke to a representative and she said that it is still under investigation and can take up to 90 days to resolve and that I would receive an email. She could not tell me why the charges were not removed while investigation as the latter states and said she would escalate it further. I waited till XX/XX/XXXX well past the 90 day mark to check status of my claim and was told the same information that it was still under investigation and that she will escalate it further and I should receive a phone call from truist in XXXX business days ... this did not happen so I called back XX/XX/XXXX and spoke to a representative and let her know I was unhappy about waiting past the 90 days with no other information about the case and that the letter that was sent was never honored. I told he I have been very patient and that I am paying a higher interest rate because these purchases are still on my account and that my credit score had dropped and I'd like to get that taken care of. I requested the removal of the charges again while the further investigate and she connected me to someone else and they told me they would file a complaint for me and to call back in 7 days to check on the status. I believe I am getting the run around by Trusit and I decided to file a complaint.
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Debt collection

Eastern Account System calls me every day and then hangs up when I answer. I have spoken to them and was threatened by their employee. I have asked them to stop calling me and to call the creditor instead, but Eastern Account System still calls me every day, even on weekends and holidays.
Product: Payday loan, title loan, or personal loan

Nothing happened coronavirus came lost employment and went to work for food delivery was not making enough money to pay will not be able to pay have gotten quite I'll
Product: Debt collection

Credence Resource Mana h ad not lend me any money and they are billing me  XXXX    XXXX   XXXX
Product: Checking or savings account

I have noticed an overdraft fee on my navy federal account. Ive been using this bank for several years and never saw an overdraft fee before. I spoke to navy federals customer service and was not provided with sufficient information about why this happened. Also they will have pending transactions and I could be waiting for a refund from another company and they take my money out due to this overdraft fee I was never aware of and I never see the money at all. Transactions are skewed until Im overdrawn while transactions are pending it just doesnt add up when Im keeping track of my money.
Product: Credit reporting or other personal consumer reports

Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

XXXX ) XXXX XXXX XXXX Account Number : XXXX  XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

midland funcding, llc and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX owes this debt. Debt is beyond statute. Other erros remain on my XXXX files- the data does not meet fcra nor fdcpa compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file 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 ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing challenges I have faced in attempting to rectify inaccurate information on my credit report. Despite my persistent efforts and numerous attempts, the inaccuracies remain, adversely affecting my financial standing. 

I have diligently followed the dispute resolution process outlined by your agency, providing detailed explanations and supporting documentation to rectify the inaccuracies. Regrettably, these efforts have not resulted in the correction of the inaccurate information on my credit report. 

Enclosed with this letter are copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the inaccuracies persist. 

I respectfully request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a detailed written explanation of the steps taken to address and correct the information. 

Furthermore, I urge your agency to review and enhance its dispute resolution procedures to ensure a more efficient and effective process for consumers dealing with inaccurate information on their credit reports. 

If this matter is not resolved promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of an accurate and fair credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the inaccurate items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I recently send an amount of XXXX XXXX XXXX dollars on XXXX XXXX. Located at XXXX here in Usa. My recipeient have 7 days to pick up the money but unfortunately he wasnt able to do so. And they texted me on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX that the transactions are cancelled and my card will not be charge. But until this time they have not refunded my money yet and when i called them.they say they escalated it and wait for 24 hours. Everyday i call them that is what they are telling me. And until now my money is not yet back in my account and i was afraid it will take time for them to refund my money back or worst they will not refund it thats why i asked for your help. My family dont have any food on thei table right now cause of the money that hasnt been refunded on time. My kids dont have a milk and they been patiently waitinf dor this company to refuns me. Please help me to jsut get my money back.
Product: Credit reporting or other personal consumer reports

I am locked out my experien account I tried to reset password online and nothing works. I try to call the company over the phone and it will not allow you to speak to someone. The automative system does not allow you to pick a representative. From a 3 rd party website I can see incorrect information and I cant even dispute it get through to XXXX XXXX  XXXX XXXX was paid and should be deleted. 
XXXX was paid and should be deleted. 
As well as the 60 days late updates it was XXXX and they had a waiver program.
Product: Vehicle loan or lease

I purchase a boat in XX/XX/XXXXand Financed it through XXXX XXXX  in XXXX, WI. The loan was paid off on time. The WI XXXX still shows a Lien. The XXXX  shows the institution to be XXXX XXXX XXXX XXXX XXXX in XXXX WI. I called the bank several times, there was never an answer and each time I left a message. I traveled to XXXX and found the address belonged to a Theater. I contacted the FDIC and they traced XXXX XXXX  through several mergers to BMO. I contacted BMO and was transferred to several different people in their records divisions. The last stated that for records that old I need to contact XXXX XXXX. I contacted them and they stated they only have car loans and not boat loans and directed me back to the FDIC. The FDIC then directed me to you.
Product: Checking or savings account

Being charged with overdraft fees even though i transferred funds from savings account to cover the bills that are about to come out of my checking account. It happened twice last year and one time the year before that. And every time I called customer service they stated that the system processed the debited transactions first before the crediteven though I have either deposit cash at the ATM or transfer directly from savings with them myself first. And when they realized that I was correct, they only refunded half of that overdraft fees.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Prepaid card

I purchased a Vanilla Gift Card yesterday ( XXXX ) for {$70.00} ( +the activation fee ) from XXXX ( XXXX # XXXX XXXX. I opened the card to use for payment and I noticed that some numbers were missing. The XXXX code is also missing. I thought I might just use it in store and swipe it, but the magnetic stripe is damaged with glue or some other substance. 

I have called the numbers on the card several times and could not get a human and the electronic options ask for card number- which I can not provide. 

I was in a hurry ( went to a different XXXXXXXX XXXX ) purchased another Gift card, that does have the numbers, but each time I try to use it I get a XXXX error code and they will not accept it. 

I would have welcomed the opportunity to resolve this with Vanilla directly, but did not hear a damaged card option to select on the phone nor see a damaged card option on their website ( where you check balances ) to select to upload the pics of the damaged card and receipt.
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 am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Late Date XX/XX/XXXX
Product: Debt collection

Calls from a # that does n't state who they are. Sent cease and desist email and they still call. Never received any written notification of what the debt is.
Product: Payday loan, title loan, or personal loan

My bank account is still getting payments deducted from it and the person that took out the loan is no longer my spouse. Avant said they ca n't do anything about it.
Product: Debt collection

On XX/XX/XXXX, I sent National credit adjusters a certified debt validation letter. They signed it on XX/XX/XXXX. In my letter that I will attach, I ask for several things for them to valilidate. On the response letter, I also will attach it, they failed to verify any info I asked them for. They didn't supply anything. this account needs to be deleted
Product: Credit reporting or other personal consumer reports

I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
Navy Federal Credit Union opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I would like to file a complaint on XXXX. Company harrass me at my Job, sending me false documents of court dates stating I am being sued by XXXX XXXX. Has done so since 2018. They call my job and personal cell, and it is very embarrassing. Number they are calling from now is XXXX XXXX XXXX. The representatives are extremely rude.
Product: Credit reporting or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CBNA, THD/CBNA Made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit card or prepaid card

I received and activated a new Citi Bank credit on XXXX/XXXX/2019. Next day I used for four charges for a total of {$140.00}. Then I made another larger charge with another merchant and the card was rejected and blocked. I called customer service to inquire and they confirmed that I could not use the card pending some verifications needed. After providing the information they had requested, and for reasons unexplained to me they could not get the verification they wanted. Then I requested the cancelation of the card through their online customer service chat. I was informed that they could not cancel the account until the block was removed. The removal of the block is beyond my control, and now that I want to account close I do not care about the block. However, the company will not close the account, as requested, because " the block need to be removed first. '' I am sending the balance payment check by mail, but I need your help in having Citibank to close my account.