23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing based on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter. Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00}.
Product: Debt collection

I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.
Product: Checking or savings account

I cant acces my bank acc from 3rd prty
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT In XXXX of this Year all of my information was compromised online. This resulted in a lot of fraud on my main checking account as well as my credit cards. Way too many to list My bank is or was JPMorgan Chase.

I am now filing a case with the receiving bank because I feel that, as the customer, I am getting XXXX  so far. 


What would be a fair resolution to this issue? 
I have had all of my accounts shut down and have no access. The fair resolution would be paying me back all the money involved in the fraud. Other credit card companies that were also involved have taken care of their charges, but Chase is dragging their feet after I have done most of the legwork. This has been going on now for 4 months. I have been a Chase customer since 2018 and their decision was to 'terminate ' their business relationship with me. This whole thing is ridiculous and as i said, they owe me more that {$50000.00} and I have all the paperwork to back this all up.
Product: Credit card

The Milestone credit card will hold your payment for Fourteen Days before posting your received payment and wait to update your availible balance! 

They will not reveal the option on their website for customers to pay with their debit card or post the option! 

They will also delay thye process of accepting your payment by check and let the payment sit in dormat for fourteen days calander days which appears to confuse the customer thinking that the payment has already been withdrawn from the checking account! 

Nevertheless, Insufficent funds are occuring because of this practice which fees are assessed from the creditor and we as customers are being reported with lates fees, late reporting on credit reports, and never informing the customer that their payment didn't post and check didn't clear! 

I hoping that a class action lawsuit is filed and this practice is investigated by authories!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting

XXXX and Transunion has violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) False or misleading representation ( 15USC 1962e ) On XX/XX/2017 I obtained a copy of my Transunion Credit Report as I have alerts on my reports because of fraud only to discover that XXXX XXXX XXXX had illegally inserted collection information on my report in the amount of {$43000.00}. First of all they are not allowed to collect in my state. They called me harassing me over the phone. The debt they listed is already listed by the original lender and therefore they have listed it twice with incorrect dates and incorrect amounts. I have no contract with them and have never given them my personal information i.e. social security number etc. Please see the below information from the FTC, clearly they are still in violation : A Memphis-based debt collector has agreed to stop deceiving and harassing consumers and otherwise violating federal debt collection laws, and will pay a {$1.00} XXXX civil penalty to settle Federal Trade Commission charges, while a debt collection operation headquartered outside XXXX XXXX will pay {$490000.00} as a penalty to settle a separate FTC complaint. " The FTC is committed to protecting consumers from all types of deceptive and harassing debt collection tactics, '' said XXXX Director of the XXXX. XXXX In its complaint against XXXX XXXX XXXX, the FTC charges that the XXXX-based company used unfair and deceptive collection tactics, such as repeatedly calling consumers and accusing them of owing debts that they did not owe, contacting consumers at work while knowing that their employers did not allow the calls, making unauthorized withdrawals from consumers ' bank accounts, and disclosing confidential information about debtors to third parties. The company collects on about a XXXX consumer accounts a year and is charged with violating the FTC Act and the Fair Debt Collection Practices Act ( FDCPA ). Under the proposed order settling the FTC 's charges XXXX is permanently prohibited from engaging in false, deceptive, unfair, and harassing debt collection practices. The order requires the company to address specific problematic conduct alleged in the XXXX complaint -- whenever a consumer disputes the validity or the amount of a debt, XXXX must either close the account and end its collection efforts, or suspend collection, until it has conducted a reasonable investigation and verified that the information about the debt is accurate and complete. The order also restricts situations in which the company can leave voicemails that disclose the alleged debtor 's name and the fact that he or she may owe a debt. The XXXX is grateful for the critical assistance provided by the Tennessee State Attorney General 's Office during the course of its investigation of this matter.
Product: Credit card or prepaid card

I was affected by COVID, and I couldn't make payments. I started working in XX/XX/2022, ready to make payments. I called Citibank and they said they sent 1099R in XXXX, knowingly that I was about to make my payments, 1099R that I never received. I asked Citibank for a phone number where I can make my payments. Citibank has no information on the account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several inaccurate accounts, inquiries and a bankruptcy on my 3 credit reports. I didnt give authorization or permission to any one to open these accounts
Product: Debt collection

Years ago while I was shopping in a local XXXX XXXX I was unattractive to my wallet. It was stolen or taken from my cart. When I found out I immediately filed a police report so I can get my cards back not thinking that I would need to do anything else. Years later after college I went to apply for a loan for a home and went to review my credit and saw many things that I was not familiar with. I did some research and found out my next step to getting it fixed was filling this complaint.
Product: Credit card or prepaid card

i payed 30 % of my debt with Citibank credit cards and in return the decreased my limit within one day of my payment and the consequences of that will hurt my credit score even more.

the have already reported me for having used up my credit limit to 90 % and now when I bring it down to 60 % the decrease my credit limit.

that is total abuse of human kind. 
i will fight this tooth and nail!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report as of today reporting XXXX XXXX account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for XXXX XXXX to present a debt not owed by me from the original creditor XXXX, XXXX XXXX reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.
Product: Credit card or prepaid card

Dear CFPB, I am writing to file a complaint about Citi after an error resulted in a duplicate charge on my credit card and zero payment to the vendor. 

On XX/XX/2022, I processed one charge on my Citi credit card in the amount of {$92.00} to a vendor for services rendered. In return, I received one receipt from the vendor via XXXX for this same amount. 

However, on my monthly credit card statement from Citi, I noticed a duplicate charge to that vendor on XX/XX/XXXX, resulting in total payment to Citi of {$180.00}. On the vendor 's side, they did not see a duplicate charge -- they only received one payment of {$92.00}. 

I filed a dispute with Citi for the duplicate charge. As a result of the dispute, Citi issued a credit of {$92.00} to my account. At the same time, though, Citi notified the vendor that the vendor had lost the dispute and reversed payment to the vendor. As a result, the vendor was paid {$0.00}, and I paid {$92.00} to Citi. 

The vendor has been unable to dispute the problem on her end, because XXXX did not have record of a duplicate payment. The duplicate payment is only visible on my Citi credit card statement. 

I am filing a complaint because Citi seems to have pocketed the {$92.00} charge that I paid.
Product: Credit card or prepaid card

I received a call from Citibank on XX/XX/2021 asking about charges made on my account, I was traveling in Florida for work and did not make the purchases. I had the card in my possession and they closed the card told me to cut it up and they re-issued a new card. I have since been trying to get the charges removed, there are three charges totaling XXXX. I have sent them airline tickets, hotel bills for the week that I was traveling for work. I was with 7 other people who confirmed my attendance in Florida and they still have not removed the charges. They sent me a letter saying it was because someone used the card reader, I have asked for video of the person who used my card when I had it. I am still arguing with them and it is on my credit report. I did not make these charges and it is not even in my area. I need help getting them to remove these charges.
Product: Mortgage

Due to Covid 19 myself and my wife have been laid off. We were previously just furloughed but now we've been laid off. We had been struggling to make our mortgage ever since but now that we are both laid off there is no way we can make our mortgage payment and continue to pay the other bills we must pay. At least until one of us finds full time work. We are looking but we reside in Florida, our jobs were both in the XXXX   XXXX  XXXX  ( me XXXX, her XXXX XXXX and trying to find any work in that line is useless. 

Reached out to Shellpoint last week letting them know the issue. Have not heard anything from them at all. With the horrible way they handle our mortgage to begin with I am reaching out to you again for assistance. 

I believe they must allow us payment deferment which we should have applied for months ago. They are not communicating/assisting at all.
Product: Credit card

I had an account with Citibank that was paid off in full and closed a year ago. Recently I started getting statements for an annual fee. I called and explained again that the account was closed and was told they would fix their records and not bother me again. Today I got a statement in the mail for an annnual fee, a late fee and an interest charge. When I tried calling Citibank they refused to talk to me because I did not know some kind of password ; no reason I would know it since the account has been closed for a year. This is disgraceful conduct and needs to be penalized. I am attaching a copy of my XXXX 2015 statement showing a zero balance, and a copy of the statement that arrived in the mail today. I would assume the {$95.00} " previous balance '' on the statement I received today refers to the annual fee which they told me in a previous phone call would be eliminated, of course, as the account was closed. Now they bill me again and refuse even to talk to me.
Product: Money transfer, virtual currency, or money service

Starting in XX/XX/year>, my business bank account at XXXX XXXX  was attacked by cash app fraud. From XX/XX/XXXX through XX/XX/XXXX, there were 73 fraudulent transactions just on one business account. The total amount stolen so far from that account is {$31000.00}. I have fought with cash app and my bank almost daily, filing multiple disputes. Between my bank and cash app, there have been only 26 credit/refund transactions totaling {$18000.00}. I closed my cash app account back in XXXX. I am blocked from opening a new cash app account, yet to this day, cash apps keep coming out of my business bank account and are sent to an account in my name or some random stranger 's name. I can not stop the transactions and I don't have access to the funds once they're stolen. My bank can not stop them. When refunds are issued from cash app, they charge me a 1.75 % fee. My money was stolen and I had to pay a fee to get it back, over and over again. My personal account and a second business account at the same bank were also attacked, and I can calculate the total fraud for them as well. On top of all of that, XXXX XXXX  has charged me close to {$1000.00} in overdraft fees despite knowing the overdrafts were caused by fraudulent transactions. I included a screenshot of recent transactions but I can provide proof of all of them.
Product: Vehicle loan or lease

Professional Financing. we have a loan from them for {$6000.00}. We are not even behind on payments but they call mine and my husband phone 3 times a day to get payment. The payment is only {$250.00}. We have never missed a month and they will call from multi different numbers multi times a day.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per XXXX XXXX XXXX XXXX ( a ) ( XXXX ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under XXXX XXXX XXXX XXXX ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I have received a letter from Credit Card Chase who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.
Product: Debt collection

Filed dispute with portfolio recovery associates onXX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt.

5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.
Product: Credit reporting or other personal consumer reports

15 USC 1681A2 I did not give written permission to have those accounts furnished on my credit report. This account reported negatively on my consumer report is in fact violating my rights on both the federal and state level but, has tarnished my creditworthiness.
Product: Debt collection

I have reported this before on this site and it continues to be closed without them answering my questions. Monterey financial has violated the fdcpa! They have given me the wrong amount twice over the phone and the calls are recorded. I have ask for an agreement to be made on settling this account and they refuse to accommodate at all even though they have lied. They are reporting missed payments and threatened me multiple times that if I dont give them money immediately that they will send me to collections. These threat were given to me after I told them that I read the contract myself and I know that I dont owe them XXXX   dollars and I actually owed XXXX. They have responded saying they never told me XXXX even though the last time I spoke to them they said that the people gave me the wrong amount by accident. I dont want them to send me the dates I signed a contract or lies that they never told me that, what I want is for someone to contact me about finally ending all of this once and for all
Product: Credit reporting, credit repair services, or other personal consumer reports

Manager XXXX XXXX stated that the only thing TransUnion does is see if the name, address, social matches and if so they allow items to be placed in credit files, XXXX made me aware that he knows the FCRA well. I informed him that section 609 states that they must have on file the original contract signed by the consumer or delete the item. I sent in a sworn Affidavit that I never had an agreement with the XXXX. The item is masquerading as account to hinder my mobility in commerce which causes my family to suffer as a direct result of not following : whomever at Trans Union that handled the 2nd dispute stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH capital one 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 those account 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 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