23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In late XXXX Citi reached out to me to question some suspicious charges on my Citi XXXX I confirmed that the charges were not mine and that I had never heard of the vendor. They told me that they would back the charges out and credit my account. When I received my next statement I noticed that there were more fraudulent charges on my card totaling over {$7000.00}. I also noticed that some of the charges that Citi had called me about were not yet credited. It took XXXX calls to Citi and then several hours of my time to review each charge with their phone rep, confirming which were fraud and which were not. I was told that it would be 4-7 days for those charges to be backed out due to the high volume of work they had due to moving the Costco Cards into their system ( Not my problem ). Ten days later, the charges still had n't been removed. I called, emailed and finally reached out on XXXX XXXX. The social media team took my information, including the log of all the fraudulent charges. Two days later, I received a confirmation that the charges had been credited and the ticket closed. A month later I opened my statement and noticed that XXXX worth of the fraudulent charges were rebilled to my account. I called Citi to ask why. I was on hold for about 30 minutes and then when I finally demaned a manager, I was told it was was because I never talked with a fraud manager to answer some additional questions. I told them nobody from fraud had reached out. They said it would be 1 - 2 days to be me more information. When I finally heard from them, it was via an emailed PDF with no way to actually talk to anybody. The PDF letter referenced XXXX of the XXXX fraudulent charges and said it was re billed because the vendor had already credited the charges. I explained to them that the only credits on my account were from Citi, which were later re billed. There were no credits from the vendor. They said it would have to go back to the fraud dept and to allow 1 to 2 days. It 's been three weeks and Citi has yet to have anybody from their fraud department call me. I 've emailed, called, and once again reached out via social media and even fax. I did received XXXX PDF asking me to confirm that XXXX transaction was n't mine. That appears to have been credited but the same day, I received another PDF saying yet another transaction was going to be re billed. Meanwhile thousands of dollars in fraudulent charges are on my card balance. Every time I call, I 'm told it 's with fraud and they need 1 to 2 days to get back to me. Three weeks is hardly 1 to 2 days. At this point the only fraud is from Citi. The fact that they can arbitrarily put charges on my card, with no justification of their reasoning and then hide behind their customer service department is shameful. The next step is to contact an attorney. More money wasted. XXXX help the Costco customers whose Credit Cards were just moved to this fraudulent, inefficient, useless corporation.
Product: Bank account or service

I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you
Product: Credit reporting or other personal consumer reports

The information that is in dispute appears on the LexisNexis reporting system. I have disputed inaccurate addresses phone numbers and insurance information that is currently still appearing on an supposedly updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

I received an email from Bank of America regarding alleged debt but I didn't receive nothing via mail nor right to dispute the alleged debt. The email never stated that I had the right to dispute the alleged except to collect debt. 

I know my consumer rights which my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX advised me of.
Product: Mortgage

Ocwen Financial Corporation & XXXX XXXX XXXX is running a risk on my consumer report. I don't know what is really going on. This is damaging my character. The credit report number looks deceptive and suspicious. I need you guys to address this. This is preventing me from growing, there are multiple mistakes. My identity has been compromised. I need resolution for this inaccuracy. I deny any and all claims. I spent a ton of time on the phone XX/XX/XXXX seeking a solution and I keep getting the runaround about this alleged debt, nothing has been clear or conspicuous. This is unfair and I haven't been acknowledged about my notices and they haven't made the necessary changes. I want this removed from all consumer reports immediately.
Product: Credit card or prepaid card

I signed up for a Chase card by clicking an offer for XXXX miles with XXXX if I spent $ XXXX in first 3 months. I met this requirement in first month. Then Chase said they would n't honor the XXXX miles. I have never received an explanation why, just told it was not applicable to my account. I asked Chase to honor it and then was told there were no offers like the miles offer available. I responded that there was a XXXX offer on the same card right now. Chase affirmed this offer existed. Still Chase offers no explanation why the first offer does n't apply to me, nor do the explain why the current offer ca n't be substituted so at least they can partially honor the original offer. <P/>This all started about 6 weeks ago. I cancelled my previous credit card and moved some reoccurring charges to Chase card. I feel they put the original offer out there to get people pulled in then somewhere they hide clause that must negate the offer. I have no idea what more to do after several emails back and forth with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Product: Credit card or prepaid card

In XX/XX/XXXXI upgraded my American Express card from an XXXX card to the XXXX card. The XXXX card did not have an annual fee, and upgrading to the XXXX card had an annual fee of {$450.00}. I understood the upgrade to the annual fee, but what was offered on my American Express account webpage was that the upgrade would be free for one year. I upgraded in XX/XX/XXXX. In XX/XX/XXXX I was charged the annual fee of {$450.00} and upon further research I was no aware that they immediately charged me a prorated fee of {$180.00} in my XXXX statement. Again, I was aware of the fee to be charged annually, but was mis-informed with their advertising of free for one year. This was not disclosed properly to me the consumer and I believe is improper sales tactics with their marketing. I complained via a phone call on XX/XX/XXXX at approximately XXXX XXXX EST and the phone representative stated that the fee free for one year was for new accounts only. This was not disclosed to me properly at the time of accepting this offer as i have had an account with American Express XXXX. The offer popped up on my American Express account homepage, therefore it was known that I had been a customer of theirs and not a new customer. I would not have taken the offer if i was to immediately pay the fee, as I thought it was a good deal to have the first year free. The customer rep said if i had called in to upgrade this would have been disclosed to me properly. If this is the case then they should not allow these upgrades/new applications via the website, as they are falsely advertising the credit card and fee requirements.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$13000.00} XXXX Late 120 Days
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 XXXX. 

Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX- Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : XXXX XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX- Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXXDate Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX - Account Number : XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that a credit inquiry was made by the following listed below. However, I did not authorize these inquiries. Therefore, I am writing to dispute these inquiries and request that they be removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SAFE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX IMPORTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT UNION XX/XX/XXXX XXXX XX/XX/XXXX 2025
Product: Money transfer, virtual currency, or money service

I XXXX XXXX am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate, out-dated and misleading information on my personal credit report they have damage my good name! and refuse to delete inaccurate, out-dated and misleading information, even after numerous dispute notices, after 6 months of fighting this problem, nothing has change! this third party company has violated the Fair Credit Reporting Act. 
They have fail to send me the documents that I requested after 6 months of disputing They reporting wrong names, Wrong addresses that I never live at. 
They reporting inquiries that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under WESTLAKE FINANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.
Product: Debt collection

I ask the company to remove all information from my person. Credit report all three I want to talk to them about a cleaning of names I was able to find incorrect information like ten names when I only have one I discovered and disputed all this to XXXX and other companies holding information about me please contact them to ask them to remove negative information about me on my personal account thank you.
Product: Money transfer, virtual currency, or money service

Cash Central USA took XXXX from my account that was not authorized. They asked to do a test transaction and they took XXXX from my account. I asked them what they were doing and they said I'd get the money right back. I have not received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax multiple times to add an extended fraud alert on my credit files. However, when I looked at my credit reports today, only Equifax is still showing just a ONE year alert.
Product: Debt collection

My physician wanted to do XXXX XXXX on me. We discussed that I am on Social Security XXXX, therefore, he needs to submit it to a participating provider as I only have one insurance through my husband 's employer and could not pay for anything out of network because I have very limited funds. He agreed and sent it through an in network provider who then went it to a different out of network provider. As a result, and by no fault of my own, they are saying I owe them over {$3000.00}. I spoke with my doctor and they said they would handle it. More importantly, they never called or spoke to me directly. Now, they sent a collections letter to my son 's address in Washington State. I have never resided in Washington state. They are violating FDCPA laws by sending that to my son and not to me. This is my complaint.
Product: Debt collection

This account is no obligation of mines 15 usc 1692b. The creditor stated account was accurate however a full investigation wasnt done 15 use 1681 ( A ) ( E ). Other Violations 15 usc 1692f, 15 usc 1692e, 15 usc 1692j, 15 use 1681 ( b ) ( A2 )
Product: Mortgage

This is the second time that I have to submit this complaint regarding this matter. 

On XX/XX/XXXX got the notification of the HAF department that I was approved for mortgage assistance for past due payments and an additional 6 months of forward payments. The approval letter has been sent to my mortgage company which is FBC Mortgage. My loan number is XXXX. The amount past due that was sent out to the mortgage company is {$10000.00}. This amount was sent out to FBC Mortgage in XX/XX/XXXX and they still have not posted it on my account. This past due amount was already resolved. I called Florida HAF Department regarding XXXX XXXX payment and they said that payment was sent along with the last due amount. 

I spoke with an agent today at FBC Mortgage and they said that they only got the past due payment which was posted after I submitted the first complaint with the CFPB. Every time I called they said no, that they dont have that payment. FBC has my HAF Approval letter stating amounts and months worth of payments approved. I dont understand how this could be possible. Again, we are on XX/XX/XXXX and they still havent posted my XXXX payment. Its very unfair for them to be holding a check for more than 30 days now and having my loan to accrue more money in interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the Credit Agencies XXXX, XXXX and Experian. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with XXXX, XXXX or Experian through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.
Product: Debt collection

I was contacted by Mediation Recovery Center ( XXXX XXXX XXXX, IL XXXX ) for debt that went into collection XXXX/XXXX/1992 from XXXX, when I was a minor. Naturally, I would not have been legally able to establish credit at that time. In addition to being a child in 1992, I still used my maiden last name. This company has illegally tied this debt to me and my social security number which they confirmed ( although I did n't acknowledge to them that it was correct ). This collection claim is completely fraudulent and this company needs to be thoroughly investigated for their illegal practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate late payment entry on my credit report for the account associated with Chrysler Capital. The report indicates that this account is 30+ days late, which is incorrect. Also, the only reason why this insurance loss auto lease was closed early was because I personally disputed that it was closed with XXXX since Chrysler Capital had it active AFTER the insurance had paid it out. 

The account was paid on time for the month of [ XX/XX/year> ] and was closed early shortly thereafter due to it being a total loss. There were no late payments associated with this account during the period in question. The account should not reflect any XXXX day late status. 

Please investigate this matter and correct the information on my credit report to accurately reflect the account 's payment history. This account was paid in full by my insurance. However, on my credit report it shows it was closed on XX/XX/year>, when I made one on time payment on it. 

Thank you for your attention to this matter. I look forward to your prompt resolution and confirmation of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX account number XXXX ) I am writing to acknowledge receipt of your recent letter dated XXXX XXXX in which you have stated that you have verified and validated the late payment that was previously disputed by me on XX/XX/XXXX. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment for XX/XX/XXXX. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payment that have been reported on my credit report is in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies. 
Given that the late payment have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report.