23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$620.00} Account Name : XXXX Account Number : XXXX {$56.00} has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Spoke w/ XXXX ( XXXX XXXX @ XXXX who not verify any information regarding account or inquiry. 
Spoke w/ XXXX ( XXXX XXXX @ XXXX who could not verify any information regarding account or inquiry.
Product: Credit card

On XX/XX/XXXX, my personal and business checking account was compromised by an individual in Kansas and North Carolina trying to cash a fraudulent business check, at the same time another individual attempted to remove money from personal bank account, both at XXXXXXXX XXXX XXXX XXXX froze all my bank accounts that were tied to Bill Pay through XXXX. XXXX froze all the payments to all the credit cards, which included Citi Costco Visa and Citi Double Cash. I called both Citi Costco and Citi Double Cash to inform both institutions that my bank accounts were frozen due to an attempt by individuals to remove money from my bank accounts, and that I was a victim of fraud.

Both Citi Costco and Citi Double Cash immediately closed my accounts, and representatives stated that in order to determine the reason for Citi closing my account was to wait for the mail. Not only did Citi close my accounts they also removed all my cash back points WITHOUT informing me before closing my account, denying me any amount of rewards on both the Citi Double Cash and the Citi Costco cars.

As a VICTIM OF FRAUD, I have been frustrated and disappointed at how Citi treats customers that have been defrauded or had an attempt to defraud business and personal bank accounts. 

The reason that was provided to me by Citi in their letter dated XX/XX/2023, was " ... a recent review of your account shows one or more late or returned payments in the past six months on this or another related account. '' In addition to the letter issued on XX/XX/2023 from Citi Double Cash informing me that they closed my account, they also sent a separate letter stating " We're unable to reopen your account '', that " ..we 're unable to approve this request because your account history showed one or more late or returned payment ( s ) in the past six months ''. 

I am being PENALIZED by Citi even though I explained that I was the victim of fraud, and no amount of calls to Citi would consider this as a valid explanation as to why there were missed payments due to the bank and XXXX freezing the accounts due to FRAUD attempts I made attempts to speak to supervisors in the customer service and in the rewards department only to be passed around several times, and to land back at customer service who, reading from a script, kept informing me that all my rewards points were removed when my account was closed. 

This is pure blatant abuse by Citi!

I have been a long time customer of Citi, with both Citi Costco and Citi Double Cash and that my payment history and my excellent credit score speaks for itself. To treat long time customers with good credit that were victimized by fraud in a manner that is degrading, insulting, appalling, and shameful.
Product: Credit card or prepaid card

On my credit card ending in XXXX, It is now the XXXX of XXXX. I filed a dispute with Bank of America over three weeks ago. I had ordered some items from a company called XXXX online and paid {$70.00}. I NEVER RECEIVED THESE ITEMS. I thought Bank of America would stand behind me on this but they have not. They are saying it could take months to investigate the problem. In the meantime, I had contacted XXXX and they did not help. I told BOA that. I am paying for something I have not received. 
I have called BOA more than once and they seem unwilling or unconcerned about resolving this issue. I feel I have to report this here to try to get some resolution. I can not believe that BOA is not helping in a timely manner when a customer pays for an item and does not get it.
Product: Credit card or prepaid card

At XXXX XXXX, EDT today, I received a text message purportedly from Chase bank asking me to call a particular number. 

I will try to show how it came. FRM : XXXX XXXX MSG : Dial-Us XXXX XXXX XXXX XXXX XXXX XXXX  I did call, they asked for my Debit Card Number. I don't have one. Foolishly, I entered my credit card number ; they said they could not accept a credit number. 

I hung up and called Chase ; the lady said it was probably a fraud. I have to contact XXXX XXXX because I have to work with them on some issues, but I will cancel the card. My husband used the card today as he is flying today and tomorrow. I told him NOT to use the card tomorrow, since what he would use it for was paid today.
Product: Credit reporting or other personal consumer reports

INFO ON MY CREDIT I WAS NOT AWEARE OF
Product: Credit reporting or other personal consumer reports

Dear Euqifax In accordance with the Fair credit reporting act. The lest of accounts blow have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am writing to formally dispute the medical debt appearing on my credit report with the account reference number [ XXXX XXXX ]. I have no knowledge of this account and have never received any communication, bill, or notice regarding this matter from either the original creditor or your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with full validation of this debt, including the original creditors name, the amount owed, and a detailed explanation of how the debt was calculated. Additionally, please provide proof that I was properly notified and that this account is indeed valid and belongs to me. 

If you can not provide this information, I request that you promptly remove the disputed account from my credit report. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. Please acknowledge receipt of this letter and keep me informed throughout the investigation process. 

I look forward to your response within 30 days, as required by law. If you fail to address this dispute adequately, I will not hesitate to escalate the matter to seek legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Credit card or prepaid card

I filed the dispute on XX/XX/XXXX with SoFi credit card of {$30.00} purchase. I was told by XXXX XXXX ( Dispute Operations ) I need to submit some of the documents. I sent her fax, emailed her twice, called her more than 20 times and left her voice messages. She never replied. She sent me a letter on XX/XX/XXXX and said she didn't hear back from me, so she closed the dispute investigation. 
XXXX XXXX Phone number : XXXX extention XXXX. 
email : XXXX Fax : XXXX Then I called SoFi customer service many times, but no one could help with the {$30.00} dispute.
Product: Credit reporting or other personal consumer reports

I have failed several complaints stating that someone fraudulently open up accounts that I did not consent to. XXXX XXXX and XXXXXXXX XXXX.These fraduents accounts has been removed from XXXX reports almost a year ago. They have failed to delete these fradulent accounts from my XXXX report as well as my Transunion report. These items do not belong to me, these inaccurate reporting is hurting my ability to obtain credit.
Product: Mortgage

We have elevated this appeal at the bank, but feel the process here is so messed up, the need to bring it to higher competent authority in tandem. 

Since the beginning of XXXX we have worked with Navy Federal Credit Union, a bank I have been with for 20 years, on a VA Cash Out Refinance Mortgage. Their process is a total and redundant disaster. We supplied all necessary documents to show more than sufficient income and the loan has gone back and forth between conditional approval to underwriting and back. They continued to ask for an XXXX, which was not a form used for 2019. We signed cost of loan disclosure yesterday and today we received a denial out of the blue without request for clarification. Communication and explanation is very poor despite us providing in an expeditious manner anything requested. 

Today, we received a denial letter which stated unable to verify income from 2019 and its denied. This totally unacceptable. This is a benefit I have earned and we have more than sufficient income and have a current VA mortgage with this bank.
Product: Credit reporting or other personal consumer reports

To Whom it XXXX concern, I sent a letter on XX/XX/XXXX to the Attorney General of Texas represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX  consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXXXXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 an 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Regions delays payments into accounts and prioritizes payments out of accounts in order to force overdraft fees. They do this multiple times in rapid succession so they can charge you in excess of {$100.00} at a time. They can not be trusted to resist the temptation to take advantage of this lack of transparency in order to parasitize their clients. Consumers should be educated about financial institutions that engage in levying and extracting predatory fees.
Product: Debt collection

XXXX XXXX XXXX has contacted me 23 times this week from a total of 8 different phone numbers, all of which I have proceeded to block. The have masked their caller ID, and lied when I called back to ask who it was. 

This not just harrasment and dishonest collection practices - it is in direct violation of the Colorado Attorney Generals direction to pause all debt collection efforts. 

I have told then to cease contact a total of 12 times over the past 8 months, stating that I will only talk directly to the original creditor, Bank of America, who returned the on-time payment I made for this account, froze my online payment portal, reported late payment to the credit bureau, and has refused to contact me in writing. 

I have said it so many times : I will re-issue this payment once Bank of America 1 ) Acknowledges their mistake, 2 ) submits a correction to the credit bureau, and 3 ) reinstates my online payment portal so I am physically able to pay this debt. 

I have never received any paper bills from Bank of America, so I have not been given any other way to pay this. 

If XXXX XXXX XXXX continues to harass me, I will file a police report and start involving attorneys.
Product: Credit reporting or other personal consumer reports

THIS INFORMATION THAT ON MY CREDIT REPORT XXXX XXXX XXXX ( XX/XX/XXXX ) _ XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 STEMS FROM ME BEING A VICTIM OF TRAFFICKING PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS INLIGHT OF SECTION 605 C OF THE F.C.R ACT THANKS FOR YOUR HELP AND UNDERSTANDING
Product: Credit reporting

I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the 3 components under the FCRA and XXXX is in essence breaking the law and I am requesting that they either show me all 3 pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX on XX/XX/XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX on XX/XX/XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me and I do not have sprint service*** 5. XXXX Date of inquiry was XX/XX/XXXX **I called and they find no evidence to support permissible purpose on this date listed**** 6 XXXX On XX/XX/XXXX ***I called them and no permissible purpose was found*** 7. XXXX on XX/XX/XXXX and also on XX/XX/XXXX ***Called them and no permissible purpose was found and no auto loan was granted*** 8. XXXX on XX/XX/XXXX ***Called them and no permissible purpose was found*** 9. XXXX on XX/XX/XXXX ***Called them and No permissible purpose was found*** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others. If they want to keep these inquiries on my credit report and state that they have to because of factual truth then support your position and send me the 3 pieces of proof listed above. If not you are intentionally trying to hurt my credit worthiness and this must stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX Credit profile. 


XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX EquifaXXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mtg Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  Balance Owed : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim to identity theft. My drivers license social phone number all apart of a data breach therefore things are appearing on my credit report that isnt mine.
Product: Credit reporting or other personal consumer reports

Per agent at Experian XXXX in the dispute department on XX/XX/XXXX, in order to remove the security freeze he provided the email XXXX. 
On XX/XX/XXXX, XXXX XXXX, from XXXX XXXX, redirected me to dispute center.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and requested a Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX, As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, including proof of my legal and lawful signature and if the account was written off or paid, please also provide a copy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1099 form for tax reporting purposes please remove this entry from my credit report in adherence to the FCRAs accuracy standards. 

Nothing requested was received by XXXX however XXXX has continued to incorrectly report this account causing me issues with obtaining credit and housing. 

This account has several inaccuracies and I have requested more than 5. times for them to be fixed yet XXXX has continuously reported than in error, severely damaging my credit. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

XXXX failed to provide accurate info of over 4 months, including the account listed as " Paid Off '' yet they are reporting it as a collection account. If the account was paid off, that would be a charge off, and if it was charged off, WHY haven't I received a 1099 for my tax reporting purposes?