23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Last XX/XX/2023, I applied for a balance transfer from Citibank XXXX XXXX Card to XXXX XXXX using the citibank 's mobile app. In the app, I can either enter the card number or scan the card where I will have to transfer the balance from and so I chose scan card to make it quick. After I click scan, it automatically send without showing the account number where the balance will be transferred. I thought that the account number that was registered during the scan was correct. So I waited for a day and it was approved on XX/XX/2023. So I checked my XXXX XXXX credit card if it showed the balance transfer but it didn't so I chatted the citibank online bot and it said I need to wait for a day or two to reflect. So on XX/XX/2023, I called the customer service to inquire about my balance transfer why I was already charged in my citibank account but it didn't show in my XXXX XXXX card. So the agent checked the account number where the balance was forwarded but he found out there was an error in the number. I tried asking for the account number, he did mentioned a 9 instead of a 6 but I am not sure. So, I requested for a reversal of the balance transfer. He said they will conduct an investigation and that they will contact XXXX XXXX, too. I have tried calling several times and every time, I have narrate what happened and that they will again tell me that they will initiate an investigation but until now, it wasn't resolved. 
The balance transfer was in the amount o f {$1500.00}. I hope you can help me get back the amount back to my Citibank credit card. I tried asking other agents to provide me the wrong account number where the balance was transferred but Citibank customer service said they could not provide the account number where I have sent the balance. They are reluctant to help me get the amount back to my account in Citibank. I called AMEX but they said, they could not help me because it is not showing in my AMEX account and that only Citibank can help me because they are the only one who got the wrong XXXX XXXX account number where my balance transfer was sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove/Block these fraudulent accounts from my credit report in XXXX  days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX financial- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXt
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim.

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately US DEPT ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Victim of identity theft, I've contacted credit card company also made a police report and sent them. I don't know the person or how they retrieved my information! I also contacted the credit bureaus.
Product: Debt collection

This letter is regarding a debt you say I owe, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damage for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the fair Credit Reporting Act and fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et seq., the Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, waiver status. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete ALL
Product: Student loan

I originally took out the loan for {$14000.00} but due to limits I was allowed to have {$11000.00} and the remainder was sent back. The record still shown that I received {$14000.00} and have been charged interest on this amount for over fifteen years which has increased the over loan amount tremendously with all the interest. I have tried to talk to several people over the years but they say it is correct but it is not. They have not been trying to help me to get this correct. This has caused a financial hardship on me and my family and was a factor in me filing bankruptcy. The over all amount of the loan should be lowered and recalculated or the loan should be waived.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXX XXXX Account Number : XXXX Fraudulent Amount : {$11000.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Fraudulent Amount : {$3200.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Fraudulent Amount : {$2100.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$11000.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX  XXXX Account Number : XXXX Fraudulent Amount : {$7400.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Additionally, several fraudulent hard inquiries and fraudulent collections related to these accounts appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of my consumer FICO credit report maintained by XXXX, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by Experian were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

To further substantiate my claims, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXXS Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$130000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer reports via XXXX and XXXX, and Experian gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.
Product: Credit card or prepaid card

on XXXX, 2021 I received two phone calls saying I charged {$3000.00} to an unknown account. They referred to my Amazon Prime account. I called Amazon and my account is secure the two phone numbers were XXXX then XXXX I have blocked both phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I originally made a complaint about this in XXXX. The CFPB received a response from Aspire that was riddled with lies, but instead of pursing the claim, the facts, and addressing the issue, the CFPB just closed the case. I'm going to keep opening this until the CFPB does what it is obligated todo : investigate and take action against predatory companies. 

On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me XXXX  of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.
Product: Student loan

It is impossible to get in contact with Aidvantage customer service. When I try to use the chat it always says, " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Why would the federal government send student loans to a company that refuses to hire enough staff to answer the questions of borrowers? Loans restart in 10 days, and I have no idea what is going on with my loan/my application for a new repayment plan. 

When you call, you are left on hold forever, with no estimate on where you are in line/how long the wait might be. This is also unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be a Violation of my Rights. 
XXXX XXXX  - # XXXX amount {$3600.00} HIPPA laws do not allow my doctor or health care provider to share my medical files without my consent under a HIPPA release I do not know this company or ever had business with them. This company contacted me. They did NOT provide me a HIPAA release that releases my medical information to a 3rd party, therefore by providing me with my medical information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible. for reporting violations This account is : Violation of my HIPPA Rights Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has also 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 This account has been removed from XXXX and XXXX due to many violations Equifax states this account was verified as accurate. I am requesting the information below and ALL the information that was provided to Equifax 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. Provide 1099c and credit insurance or delete ; 3. Provide original signed contracts with me and XXXX XXXX or delete ; 4. Provide payoff disclosures, interest rate disclosures or delete ; 5. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf or delete.
Product: Mortgage

Navy Federal Credit Union incompetently entered the wrong tax data for my XXXX tax analysis, which caused my projected XXXX  to double for XXXX projections. I was lied to by NFCU saying the reason for the increase was because my taxes doubled. I checked my tax statement that show my increase was only {$47.00}. I finally reviewed the past escrow statements and identified the error. Ive repeatedly reached out to NFCU with unsuccessful results. I finally received a call from a NFCU escrow analyst ( XXXX - XXXX ). He finally admitted to NFCUs error and he went through the error and my new projected escrow balance for XXXX. He told me what I owed and what my new mortgage payment would be. He said I would get a revised XXXX  Analysis Statement. I received the revise statement only for it to be inaccurate yet again. I notified XXXX on XX/XX/XXXX, and advised of the error on the revised statement, he said he would investigate what happened and call me back. To date he has not. My new mortgage amount is to start on XXXX XXXX, XXXX. I even sent a message via my online account and receive a reply on XX/XX/XXXX saying they would follow up in 10- 14 days potentially after my new payment due date.
Product: Money transfer, virtual currency, or money service

I am filling my 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 with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations 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

From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With American Express i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 XXXX card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. American express confirmed it was fraud but someone other than me called and told American Express the charges were accurate. In which caused them to rebill me.