23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Sir/Madam, On XX/XX/year>, I identified an issue with my Citibank account involving an unauthorized transaction. The amount in question is {$810.00}, which was used for an in-person purchase at XXXXXXXX XXXX XXXX XXXXh. 

I immediately contacted Citibank customer service on XX/XX/year>, provided all relevant documentation, and requested my card to be blocked. Surprisingly, I discovered that I was unable to lock the card through the Citibank app ( I attached a screenshot ). Customer service assured me that the card was locked, yet the scammer managed to make additional transactions amounting to {$3300.00}. This brought the total fraudulent amount to {$4100.00}. 

I contacted the Citibank fraud department again, hoping for a resolution. However, on XX/XX/year>, Citibank closed my case without addressing the issue and sent me a bill for {$4100.00}. If this amount is not paid, additional interest charges will accrue on these fraudulent transactions. 

This unresolved issue has caused me significant stress and financial inconvenience. I took additional steps by reporting the incident to the local police department ( XXXX, CA ) and visiting XXXX. The XXXX XXXX was able to identify the scammers through surveillance footage, and the police are currently investigating the matter. 

Despite numerous phone calls and conversations with various Citibank employees, I was repeatedly assured that the matter would be resolved. However, no action was taken, and the case was simply closed without addressing the issue. 

Additionally, I am deeply concerned about how the scammer was able to obtain and use my card information. This raises serious questions about the security of customer data, and I suspect there may have been a breach or mishandling of information, potentially involving Citibank employees. I strongly urge Citibank to thoroughly investigate this matter to determine whether there was any internal leak or negligence contributing to this fraud.

This lack of resolution and the potential data security concerns have only added to my frustration and loss of trust in Citibank 's handling of this case. 

I am requesting that Citibank : Refund the disputed amount of {$4100.00}. 
Correct the billing error. 
Remove all associated interest charges from these unauthorized transactions. 

To support my claim, I have attached the following documentation : A copy of my travel itinerary and ticket showing I was in XXXX during the fraudulent transactions. 
A photograph proving that my credit card was in my possession during my trip. 
A detailed list of all transactions, including the fraudulent charges. 
Correspondence from Citibank regarding the closure of my case without resolution. 
Transaction details provided by the XXXX XXXX. 
A screenshot showing my inability to lock the card via the Citibank app. 

I urge you to take this matter seriously and resolve it promptly. Thank you for your attention, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in correcting inaccuracies regarding late open accounts and removing late closed accounts from my credit report. Despite thirty-seven previous attempts to resolve these issues directly with the credit bureaus and creditors, the inaccuracies persist, significantly impacting my creditworthiness. This letter marks my thirty-eighth attempt to resolve these issues, and I am in dire need of your intervention. Despite my repeated attempts to dispute these errors and provide extensive documentation, the inaccuracies remain uncorrected. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. I am now seeking for the intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me correct or remove the following accounts immediately 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  - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply the error resolution requirements under the Electronic Fund Transfer Act ( EFT ) 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

There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Product: Debt collection

I have noticed several accounts on my credit report that seem to have been added without my consent and are incorrect. I request that these fraudulent accounts be blocked and removed immediately.
Product: Credit reporting 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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A 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 written consent.
Product: Debt collection

I have been contacted by phone and letter about debt that isn't mine. The mobile number they called me on is also a number I use as a state government employee. At first they wouldn't tell me what the debt was, and then they named two different family members who do not live with me nor do I support them financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute hard inquiries One Main XXXX XXXX XXXX XXXX XXXX XXXX These arent mine need to be taken of pls
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact TransUnion and XXXX to get this response numerous times and no one wanted to assist TransUnion they are unable to get me an online account to dispute the inaccuracies XXXX will not proplerly complete an investigation I have asked for my original written consent to obtain my credit report
Product: Student loan

This has been on my report for 12 years, since XX/XX/ Ive disputed many times,
Product: Checking or savings account

On XX/XX/XXXX, I had made a credit card payment through my account by accident while my bank account was negative, which would would balance out in the timeframe of my direct deposit. Instead, the bank allowed that ach transaction to go through before XX/XX/XXXX and assessed an overdraft fee of {$36.00}. At this point my account was negative, but as of XX/XX/XXXX they show on their record a return of that {$140.00} amount and assessed a {$36.00} fee for returning that amount. On XX/XX/XXXX, I attempted to call US Bank customer service to discuss transactions regarding my account since my most recent direct deposit from work. They informed me the amount wouldn't reflect as being refunded to my available balance, rather on their explanation that's something they do to show in accordance to federal regulations so they stay in good standings ''. So along with showing a returned amount that was NEVER refunded, they also penalized me another {$36.00} for an ACH transaction going through. Which according to them, is the way they treat their new customers. I attempted to ask for a phone number to corporate office, and I was informed they didn't have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone getting into all my accounts and have fraudulent charges. They are changing settings on my phone, have ruined my credit, been in school account, TV/internet account, cell phone account and cell phone. Messing with my emails. I am having a horrible time. They are controlling my every day Life. They are messing with XXXX and XXXX account. THIS IS NOT LEGAL. Oh even my medical records. Thanks. I did not contact XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

I value your help too removed a portion of the data on my credit file that came aboutbecause of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605 you are expected to eliminate any records recorded on XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims andthey are eager to consider you responsible for your tenacious rebelliousness. 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX credit card, that I have never been late on, ever and recently just paid off. I was notified that my credit limit was decreased. When I called to find out why, they told me because of serious judgement, which was my bankruptcy but they knew this when they approved me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I have been scammed by a fake cryptocurrency platform, I have invested to that fake platform, when I wanted to withdraw my money it made excuses and blocked me from that platform, I started researching a bout that platform, I found out that it was fake and I got scammed, I contacted the bank, send emails, calls, I didn't receive respond from bank through email and I received negative responded by calling the costumer service. please see the attach file for more information regarding my complain and my story.
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 trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX 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: Checking or savings account

I opend a Citibank checking account on XXXX XXXX. I told them i needed the account to do transfer for my daughter 's education. the account was opened, and i received my debit card a week thereafter. Once i had my debit card, i transfer in XXXX XXXX from my savings account at another institution. I waited a few days to make sure everything was okay given i was a new customer. 2-3 days later i did a wire transfer to my daughter 's account in XXXX  for her education expenses. Everything looked fine but the next day my account was fronze- i couldn't access it. I called the help line and they told me " there system '' froze my account and was sending me a letter that will help me unlock my account. that was on XX/XX/XXXX. i called XXXX weeks later telling Citi i still hadn't receive this letter. the were unresponsive and wouldn't even confirm my account balance. I had to call back 10 more times to speak with a manager who said the same thing - " the systems says you need a letter with a reference code ; sorry can't help you. '' After now calling some XXXX times, on XX/XX/XXXX finally they said they would resend me a letter, even though there customer commitment is XXXX days. to date, NO ONE has confirmed my money is fine and always tell me the system, the system. this has cost me nearly XXXX XXXX  for late fees for my daughter 's tution let alone left me very scare of citi who is supposed to be a XXXX but seems like know one knows what's going on or can help me even though i've done exactly what they've told me. to date, i still do not have this letter and they have my XXXX and don't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX  XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX  XXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX TX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

USDOE/XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF ED/XXXXXXXX - Account Number : XXXX U S DEPT OF ED/XXXXXXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting

In XXXX of last year I sent Withdrawal of liens to XXXX, XXXX and Equifax to have liens removed from my credit report. It was an arduous process since XXXX lien was filed in many counties. Now on XXXX XXXX of this year Equifax added the XXXX of liens back on my report. I would not have known this but they convinced my to pay monthly for a gold membership. I do not think ti is right to make me pay for a service and monitor my report. Then have to constantly file disputes with Equifax when they are the ones who adding the incorrect information back on my report. I spoke with the employees at the XXXX XXXX register of deeds and they said that the Withdrawal was clearly stamped in red on these liens and they did not report them to Equifax. They said Equifax sends in employees to look through records, while Equifax blamed it on XXXX XXXX saying they reported them. 

I aslo requested to Equifax to keep all the Withdrawals in my file so they would not add the same lien back on that was filed in some other county that they did not report before. They said they had no way to do this and that I had to wait until it showed up on my report and then dispute it. It seems very unfair to the consumer, I should be able to prevent incorrect information from being reported in the first place. this leaves me on the hook to pay for their monthly service. 

I have filed a dispute and am awaiting their response but I still want this addressed about adding an already deleted item back on my report.
Product: Credit card

I went online and thought I was talking to a XXXX rep who they identified as but according to my billing statement it was not. I advised I was taking the dog and if I could book him now with my ticket and they said yes, but it would be under two different charges so I agreed thinking that the dog was booked for the fair when I got to the airport they told me no you can not book an animal through an agency so when I got to the airport, they canceled my original flight for that day and re-issued a ticket but told me to go after XXXX XXXX to get my refund for the booking of the dog in which I tried to call, they answered the phone and told me that the individual that made the reservation had to call me. I asked why and thats all they said so left my number. They never never called contacted Capital One and advised them and as of this date have sent him numerous information like Im sending you with no response as of XXXX. They still have not even contacted XXXX for my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 

XXXX - XXXX, XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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.