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

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 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, credit repair services, or other personal consumer reports

XXXX and XXXX ARE KOT DOING WHAT THEY NEED TO DO.. I do t have any bill or balance from XXXX XXXX. 
Everything had need paid and settled. The year XXXX, there was a bankruptcy done.. 
so again. The only credit cards I hv is XXXX XXXX amd a XXXX wit XXXX XXXX Please have this update this is ridiculous. I have called XXXX  several time stating my online is not working and for them to reset.. still nothing has been done. 

Compnies XXXX XXXX me trickXXXX XXXX and etc ... are paid and settled as contract. Early credit cards .. again were bankruptcy
Product: Credit reporting or other personal consumer reports

This account listed on my credit report is inaccurate and is closed
Product: Checking or savings account

Ref : missing paper statements and no answer from Citibank This is the second time I am writing to the CFPB regarding missing monthly paper statements from Citibank. I expect Citibank to deliver my monthly paper statements, and to deliver them in a timely manner. 

A year ago I filed a complaint ( attached ) and since then I have received three statements instead of twelve, with a 2-3 months delay. The last one I received on XX/XX/XXXX, for the settlement period ending XX/XX/XXXX, which is 3 months late. Citibank does not fulfill its obligation to deliver the statements, moreover to deliver them in a promptly manner. 

FYI, the letters sent via the XXXX go XXXX weeks from the US to XXXX, and letters mailed within XXXX go XXXX working days. 
Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A YEAR AGO - attachement XXXX, XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX COMPLAINT Ref : missing paper statements and no answer from Citibank. 
I have been not receiving my monthly paper statements of Citibank , N.A . since XX/XX/XXXX. I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner. 

Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 
I have not received an answer from the Citibank Client Services, to my complaint sent on XX/XX/XXXX, i.e. four and a half months ago. I have written : Please mail them to me ( the missing statements ). Please be advised, that in case of errors or questions, my inquiries may be several months late. Furthermore, your three-month delay is not the fulfillment of your obligation to provide monthly statements. 
Instead, the letters sent by the XXXX go XXXX weeks, from the US to XXXX, and ordinary letters mailed in XXXX go 2 working days. 

Previously, after almost 3 months I did receive the statement for the period ending XX/XX/XXXX. Only after 3 and a half months for the period ending XX/XX/XXXX, and here the adhesive sticker on the original Citi envelope says ( translated into English ) : SENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), ( private entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Postal Service, equivalent to the XXXX ) Posted from : XXXX ( XXXX ) Posted on : XX/XX/XXXX I received this statement on XX/XX/XXXX. 

I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX Have no binding or legal finances commitment ; therefore, it is illegal for them to report a collection on my credit report According to the Fair Credit Reporting Act ( FCRA ) It is illegal to report information on my credit without My permission.
Product: Consumer Loan

My husband and I bought a XXXX through gm financial ( Americredit financial services ) in XXXX XXXX. We had been able to make the payments on time up until I was forced into early XXXX in XXXX. We missed XXXX and XXXX payment. We had looked into deferment and we were shocked to find that they were going to charge up almost XXXX dollars to catch our loan up. They have not been willing to help any other way. Rather than trying to help us get our loan current, they are calling us a total of up to 10 times a day between the two of us. They are making it almost impossible to catch up our payments and I am almost afraid to carry my phone on me because they are always calling me. I would strongly advise that their collection policies and deferment policies be investigated. This is not legal.
Product: Student loan

For XXXX months I have told them I am now on XXXX and can no longer afford my payment and need to apply to have it forgiven. My health event is permanent and will not change and I have had it for over 15 years. My doctor filled out the required paperwork and I sent it in. They then said they needed the promissory note to provide it to XXXX. I provided that. My loan was due on XX/XX/XXXX. I called today ( XX/XX/XXXX ) and the recording said that they only accepted calls on weekdays. How can this be? ni customer service at all if you call on a weekend? So my note now has an enormous late fee, which I can not pay, and I still do not know the status of my request that I asked to receive in XX/XX/XXXX. 

Dealing with the scam of student loan debt almost makes me wish for my death to happen sooner! I can not keep my sense or will to live going knowing I am no longer valuable to Navient. 

Please let me know what I can do? I was raised to pay my debts, but with Navient, that debt has tripled and I can not afford it on {$1700.00} a month.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$29000.00}, {$7500.00}, {$20000.00}, {$8300.00}, {$14000.00}, {$2000.00}, {$27000.00}, {$2200.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2024 I noticed my check # XXXX in XXXX of my accounts at Citizen 's Bank in XXXX was cashed for {$12000.00}. I had written that check for {$650.00} to my lawyer, XXXX & XXXX, but the name on the photo of the cashed check had been altered to XXXX XXXX XXXX. I went to the XXXX XXXX XXXX XXXX XXXXnd filed Report # XXXX. I called Citizens Bank the next day. A week or XXXX later they sent and I completed an affidavid as requested. Since then I have asked for updates. While the customer service reps DID confirm they had received everything they needed from me, they REFUSED to give me an update, an explanation, or to connect me to the fraud department. My aunt had the same thing happen with her account at XXXX and that bank reimbursed her in XXXX weeks. This is going on XXXX plus months. Citizens told me at XXXX point it " looked like a mobile deposit ''. That's on them for allowing risky activity like that.
Product: Checking or savings account

XXXX fraudulent charges were posted to my Chase Account from XXXX on XX/XX/22 in the amounts of {$320.00} and {$100.00}. I called XXXX immediately when I found out my account had been compromised and the representative, I spoke with helped me gain access to my account. Emails from XXXX state my account was accessed via GPS in XXXX, CA while I was away travelling to the XXXX XXXX. XXXX submitted a dispute with the seller that same day. XXXX told me on XX/XX/22 not to contact my bank. On XX/XX/22 I contacted XXXX again as I was getting shipping notifications for the fraudulent charges. They told me Not to worry but that I would need to contact my bank about the charges for refund. I contacted Chase on XX/XX/22 to dispute the charges. I told the representative that I had an email from XXXX with my incident number, but the chase representative stated they did not need it. 
On XX/XX/22 I contacted Chase claims department as the charges had been placed back on my account. I was told my claim was closed and considered unfavorable and the charges we mine. These charges are fraudulent. I have attached supporting documentation. I contacted XXXX XX/XX/22 and the representative stated that their dispute was closed as the sellers the items were purchased from do not exist. I contacted XXXX about the tracking numbers XXXX provided : XXXX & XXXX and XXXX can not tell me the name and address the package was delivered to but states my name and address does not match the shipping label. XXXX can confirm the items were delivered to XXXX, CA XXXX. I did not receive any packages at my address on XX/XX/22 at the times stated delivered. XXXX states that the moment a claim is opened with the bank, they no longer have the option to offer a refund. XXXX fully admits the charges are fraud, but are unable to provide any sort of resolution on their end. 
As of XX/XX/22, Chase XXXX XXXX have both closed the claim stating each other part is responsible for refunding me for the fraudulent charges, even though both companies state the charges do not belong to me. XXXX has admitted there was an internal error that sided with the seller and allowed the packages to still ship and ultimately causing the claim to be denied by Chase. Chase misled me by allowing me to submit supporting documentation to " re-open '' my claim, only to immediately deny it stating they do not re-open fraud claims. Chase states by law they are only allowed one recovery attempt on a claim, and all efforts have been exhausted due to the internal error by XXXX and can no longer assist me. 

A police report was opened XX/XX/22 per Chase 's last response of " It might help and we can see what we can do '' with no promise of reopening my case. Case Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX C-Bar Ranch Trl Unit XXXX Cedar park XXXX Tx XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account XXXX reported in my credit history. Following a dispute with XXXX XXXX XXXX XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

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

Please provide specific evidence of consideration extended directly to me. Should you fail to provide such documentation within fifteen business days, this will constitute your consent to repay the balance shown ( which is a billing error as a positive balance as i understand general accounting practices positive is what i have in my account and if i add anything to it the value will go up not down ) on my report in a positive amount due to me, multiplied by four as a remedy for the oversight. 

Furthermore, I understand XXXX XXXX XXXX to mean along with others all obligations are that of the United states treasury which means they must have performed to create this note and the public debt needs to be balanced. I request that settlement or payment for all credits or positive balances be transferred back to the U.S. Treasury account in which I am designated as a Beneficiary. I would also appreciate guidance on any steps required to access this beneficiary interest upon repayment of this credit. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the requested actions within the specified timeframe. 

Sincerely, XXXX, XXXX : Beneficiary
Product: Debt collection

On XXXX XXXX I received an email from XXXX XXXX that I have an outstanding debt with Crown Asset Management them to validate this debt. On XX/XX/XXXX I requested from XXXX XXXX that the debt to be validated, their response was that the Debt was sent back to Crown Asset Management. I was then sent a letter by usps from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. They stated that i owed a XXXX to crown XXXX XXXX. On XX/XX/2023. I requested for them to validate the debt by providing me with the signed agreement bearing my signature, On XX/XX/2023 I received Priority mail from a " XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ''. This mail contained a small claim writ from XXXX XXXX attorney for Crown Asset Management. it contained an assortment of documents with signatures by person in several jurisdiction namely Georgia, California, Michigan, Virginia and Connecticut. What was not included is the agreement which i supposedly signed. When I called the XXXX XXXX XXXX to get more information, there was none available. Up to the point of me filing this complaint, I have not received that agreement with my signature nor the Answer form from the Court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Complaint Regarding Unauthorized Access and Reporting of Frozen XXXXXXXX and XXXX XXXX To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion Credit Reporting Agency for unauthorized access and reporting of my frozen XXXX and XXXX accounts on my consumer reports. This action is in clear violation of my rights as a consumer and has caused me considerable distress. 

Specifically, TransUnion has accessed my XXXX and XXXX accounts, which were both frozen, and subsequently posted this information on my consumer reports. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer reporting agencies obtain written permission from the consumer before accessing and placing information on a consumer report for any purpose, including when a hard inquiry is performed. 

I did not provide any written authorization or consent for TransUnion, or any party acting on its behalf, to access my frozen XXXX and XXXX accounts or to place this information on my consumer report. This failure to obtain my explicit written consent constitutes a breach of federal law and my consumer rights. 

In light of this violation, I request the following actions be taken immediately : 1. The removal of any and all information derived from my XXXX and XXXX accounts from my consumer reports. 
2. A detailed explanation of how and why TransUnion accessed my frozen accounts without my written consent.

3. Assurance that no further unauthorized access will occur and that proper measures are being taken to prevent such violations in the future. 

Additionally, to resolve this matter without further escalation, I am requesting a settlement in the amount of {$2000.00} for the distress and inconvenience caused by this violation. If this matter can not be resolved amicably within 30 days, I will be left with no choice but to pursue arbitration through the XXXX XXXX XXXX ( XXXX ), as provided by TransUnions consumer agreements. 

Please consider this letter a formal complaint and a request for the resolution of these issues. Should TransUnion fail to address and rectify this situation promptly, I will escalate this matter. 

I expect a response to this complaint within XXXX  days, as required by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 procer 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 36 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with Experian the results came back as if I never settled with XXXX and the results said XXXX said everything was accurate. This is XXXX as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is publishing an alleged public record without my written instructions. I have submitted multiple disputes and the response is it was verified. Regardless of verified I I my lawful rights to privacy. Just because something is made public my the court does not mean you can legal screen grab my information and provide or even sell alleged information without my written instructions. 

15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( b ) Conditions for furnishing and using consumer reports for employment purposes Pursuant To 15 USC 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put a security freeze on my transunion account a few weeks ago by their website. Now, for some odd reason, it is unavailable for me to do it on their website so it gives me a customer service number to call. Ive tried to call that number multiple times, but the automated service shuts me down when I try and type in the required information and ends the call immediately. I have tried to use their chat function but nobody ever responds. I have no way of contacting them. This is ridiculous, I have a Mortgage loan I need to apply for and I can not do so, because of the amateur business practices of Transunion.