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

Good afternoon, I'm disputing four unauthorized withdrawals made in my account. I tried resolving the issue with credit card company ( CITI ) and they have not removed these charges from my account. When I initially called, CITI asked me for a police report and I have obtained one and send it to them electronically first and then included in a written letter. 

Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} These unauthorized charges were among others made with other credit cards in my name. I have no information as to how and when nor who made these charges. As per the other credit cards, I have contacted the corresponding credit card companies and have resolved the issues with minimal issues. However, CITI has been uncooperative in trying to resolve the unauthorized use of my credit card. In the meantime, my account with them is accruing interests and fees that I should not responsible for paying. 

Moreover, as a responsible credit card holder, I pride myself in been prudent and judicious in my use of my credit card and this issue with CITI is damping my experience with credit card companies, which up to this point has been positive. 

With no additional comments at this time, I would like to thank you for your time in the hope that my complaint gets the appropriate attention with your office. 

Regards, XXXX XXXX.
Product: Student loan

I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information.
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Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter.
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Thank you!
Product: Credit card

I submitted a CLI ( letter attached ) which pointed me to XXXX where I have been able to verify the information US used as the basis of my denial violates my rights re : FCRA. The letter indicated I should contact XXXX, which I have, and the information US Bank used in regards to my application was 1 ) Insccurate 2 ) Outdated 3 ) Does not match the data on my credit report XXXX provided. Additionally, a member of US Banks underwriting team confirmed the credit score on the letter I received does not match data in US Banks internal system. Although it should a XXXX as the rep indicated, data provided by XXXX today has me at a XXXX. My concern is that US Bank is making decisions based on inaccurate information and I have concerns for the safety of my PII, and US Banks general practices re : review, underwriting, etc channels to verify information is correct and decisions are based on such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account I have personally tried to validate and nothing was ever received. How are XXXX and TransUnion able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Debt collection

On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Money transfer, virtual currency, or money service

I deposited to check in my son-in-law 's account that I got from my lawyers from the car accident. The tellers at the Chase Bank said it'd be okay to do that and I'd have my money in XXXX  days. It's been XXXX weeks they froze my son-in-law 's account they've got my check in fraud they won't give me my money back or my check. Cuz I'm not the account holder which they've closed his account now. I have a Chase account with you now but I can't do anything with that no money. I keep asking for my check back and they won't give it to me I want my money I have the obligations I have to pay and I have no way to get it they keep giving me the runaround on the phone over and over and over again I keep making complaints to the XXXX XXXX XXXX to your husband 's head department I'm getting nowhere and I need to get my check back or do I need to get my lawyers involved thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I received reports of new hard inquiries from XXXX credit bureaus and subsequently applied for a XXXX  XXXX credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but XXXX  XXXX denied my request. However, my credit report shows that a XXXX XXXX account was added to my name on XX/XX/25 and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with XXXX accounts that are fraudulent and need to be deleted ASAP
Product: Debt collection

I was called by XXXX, a debt collector by a restricted phone number on XX/XX/XXXX XXXX PM EST. She said that her intention for calling was for me to settle a debt owed to XXXX XXXX. It was her second time she called me. I told her that I would like for her and anyone else who identifies themselves as debt collectors who work for Receivable Management Services LLC to call me, but she insisted that she had to call to help me settle the debt. I told her I am not employed and therefore am not able to pay any debt owed.
Product: Credit card or prepaid card

I opened a dispute for a monthly transaction on my paypal extras mastercard that I didn't initially notice. PayPal Extras MasterCard is the product, XXXX XXXX is the servicer. 

I opened the dispute and ordered a new card. I was sent a new card but that card was blocked my PayPal shortly thereafter. So while I waited for this dispute to be resolved, I did not have access to my account, my statements, and received no bills. They made it EXTREMELY difficult to simply pay my bill. 

I have now been notified that the dispute has been resolved and the credit issued to my account, however, I STILL CAN NOT ACCESS MY ACCOUNT! This can not be legal. I also had late charges incurred due to these fraudulent charges and want to make sure those are no longer on my account.
Product: Vehicle loan or lease

I had received an email in XX/XX/year> regarding that there's been a change to my XXXX XXXX credit which came from Capital One. I had called out to Capital One the same day to see if there was any unusual account on my account after reading the email to the representative. It was mentioned that I had an inquiry regarding a car loan which I didn't authorize. The Capital One representative kept asking me to read additional information from the email that I've received. The representative didn't bother to escalate this unusual activity to management / or to the Capital One Fraud department. I'm currently feeling uncomfortable with how the business has been conducted. It appears that I've been exposed to identity theft.
Product: Money transfer, virtual currency, or money service

I have been in a dispute with Paypal for almost 1 year. They keep saying that they paid me but have not.. XXXX XXXX, Operations Counsel keeps sending information which does not show that the money they say they returned to my pay pal account. XXXX XXXX, quit sending useless spread sheets. I previously sent you a copy of My Paypal account. I do not see any of the transactions you claim you made putting the money back in that account. Either 1 ) you are not a very intelligent individual, or 2 ) you are trying to smoke screen me. I want you to send me a copy of my Paypal account and show me where the money was put in that account on the days you said you put it back. Do you want me to send our correspondence to the entire Board of Directors, to show them how much time you have wasted of mine and yours over such a small amount of money. Why are you making this such a big deal? I know Paypal has been the defendent is a similar class action suit before, do I have to take it to that level. I will. It's a shame that a big corporation like Paypal treats a XXXX XXXX Veteran like this In addition, you keep saying you will not reimburse me for my certified mail. I don't care what you say I agreed to, I would not have incurred those cost if your customer service people would have handled this thing correctly from the beginning, I also want {$1000.00} for the anxiety you have caused me.If you don't get this straight this time I will notify the Board. I want this settled once and for all.
Product: Mortgage

Our Mortgage payment of {$2000.00} was auto drafted from our checking account on XX/XX/XXXX. On XX/XX/XXXX Lakeview Loan Servicing mistakenly marked the payment as Bad Check Reversal. We contacted their Customer Service department as soon as this came to our attention on XX/XX/XXXX. We were told that our bank needed to submit a transmittal of the ACH transfer to prove it cleared our account. This document was submitted via fax on XX/XX/XXXX, however on XX/XX/XXXX the loan company claimed to have not received anything. We contacted our bank and a representative sent a printout of the ACH transfer via email along with a statement that no funds were stopped or returned to our account As of XXXX our mortgage account online still showed the payment marked as insufficient funds. We contacted Customer Service again and were told that the document sent was not what they needed. Our bank then provided a full page transmittal form on XXXX. .As of today 's date XX/XX/XXXX they continue to show a missing payment and have done nothing to resolve our issue. We made our XXXX payment on time and the loan servicer applied it to the XXXX payment they lost, marked our XXXX payment as late and have reported the late payment to the credit reporting bureaus. They have also charged late fees against our account.At this point, we don't seem to have any further recourse. Any assistance your agency can provide to resolve this issue will be greatly appreciated.
Product: Debt collection

This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX XXXX, XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( 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. 

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

Thank you.
Product: Credit reporting

XXXX is putting unverifable information on the credit report. This information is incorrect and untrue and unlawful. I am requesting an immediate removal of this account. I am attaching my recent credit reports
Product: Debt collection

They contacted me and identified the debt amounting to {$1100.00} and I never received information to verify and validate the debt.
Product: Credit card or prepaid card

Re : US Bank Relia Card. 
This card is for unemployment benefits. 
On XXXX XXXX I tried to transfer funds from the card to my bank checking account. 
The card was blocked. 
After XXXX hour " hold " on the phone i was told to fax a copy of my driver license for verification. This I did on XXXX XXXX. 
On XXXX XXXX I spent many hours on " hold " with " customer service '' at Relia card. 
After many hang-ups I was told that the issue is resolved and card is unblocked. 
But I was told that I still can't transfer funds for 2 weeks. ( No reason. ) These are my funds which I need desperately and I should have access to them as soon as the funds come in. 
Thank you. 
P.S. The Bank and Reliacard " customer service " should be re-named " customer torture ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Credit Inquiries Due to Identity Theft Dear Experian Dispute Department, I am writing to formally dispute several fraudulent inquiries that have appeared on my credit report. I am a victim of identity theft, and I did not authorize these inquiries. Below is a list of the unauthorized inquiries that need to be removed from my credit report : XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have included the following documentation to support my claim : A copy of my government-issued ID. 
A copy of a recent utility bill or bank statement for address verification.

A copy of the police report or FTC Identity Theft Report.

These inquiries were made without my authorization, and I believe they are the result of fraudulent activity. I kindly request that you investigate this matter, remove these inquiries, and provide me with written confirmation of the resolution. 

Please let me know if additional information is required. I can be reached at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX Court.
Product: Debt collection

XXXX XXXX XXXX is seeing an account being reported exclusively with his XXXX XXXX profile asserted through a debt collection agency Transworld Systems . The account is allegedly consistent with a XXXXXXXX electrical utility relatioship the debt collection agency Transworld Systems is purporting is verifiable debt. XXXX XXXX has an active account with XXXX for electrical utility service, and the balance is at a XXXX amount. This is a fraudulent assertion and the remarks are inaccurate. XXXX XXXX contacted the debt collection agency and was provided an affadavit and a point of contact for return and review consistent with this alleged debt owed by and through a relationship with XXXX  for utility service, despite reporting the account as fraud and maintaining a current electrical relationship with XXXX XXXX where as of today the balance is at a XXXX amount.
Product: Debt collection

In XXXX this account was apparently opened XXXX and sent to collections on XX/XX/XXXX to awa collections out of orange ca. A joint account with XXXX XXXX???? Have no personal knowledge of this account or person. XXXX $ Shows on my credit report. Dont know if this a mistake or identity theft
Product: Vehicle loan or lease

I spoke with the Executive Office of Santander on XX/XX/XXXX! @ XXXXXXXX XXXX They reviewed my account XXXX of XXXX XXXX XXXX XXXX XXXX and confirmed payments, and released the title in our 1 hour and 27 min phone call. The check for the full payoff was received in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.
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 15 U.S. Code 1681 ( a ) ( 4 ) 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 15 U.S. Code 1681b ( 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 ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 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 or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has consistently failed to fulfill these legal obligations in handling my case. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : 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 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

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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2021