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

Dear Sir or Madam, I have been trying to resolve 9 transactions that were not authorized in my Citi credit card since XX/XX/XXXX with Citi. I have been diligently providing information and last thing I did was to file a complaint via mail to request further investigation on XX/XX/XXXX. The mail content is as below, which provides the details of what happened. It has been more than 30 days and I haven't received any reply from Citi so far. 

Could you please help me with it? Sincerely appreciated! 

========================= XX/XX/XXXX Security Services Attention Security Operations Manager XXXX XXXX XXXX XXXX, SD XXXX Dear Sir or Madam : This letter is about the dispute of 9 transactions on XXXX from XX/XX/XXXX to XX/XX/XXXX XXXX credit card number, XXXX XXXX XXXX XXXX, which has been deactivated because of fraud ). 

I filed a dispute on XX/XX/XXXX online, including 9 transactions on XXXX from XX/XX/XXXX to XX/XX/XXXX, and some other transactions. Later on I found that only the 9 XXXX transactions were unauthorized by my husband and I. On XX/XX/XXXX, I called CITI to provide more information and let CITI know that I only dispute 9 transactions on XXXX from XX/XX/XXXX to XX/XX/XXXX, and no other transactions. 
I didnt make the 9 purchase transactions, neither did my husband. 
Since XX/XX/XXXX, I have called CITI more than 8 times to check the status and provide information, including the Dispute department ( XXXX ) and the Customer service phone number on the back of the credit card. I have been diligently providing information. 

XX/XX/XXXX, after talking with several representatives, finally I got to talk with XXXX, a supervisor in the Fraud dispute department. I was told that the case was closed, and I need to provide information to prove those transactions were fraud. I dont feel thats right. Consumer credit cards are governed by the Truth in Lending Act and enforced by the CFPB via Regulation Z. Both my husband and I didnt make the purchase and didnt get any service or product from those transactions. Today, most of the major banks offer a no liability feature on most of their credit cards. I am so disappointed to see that CITI is asking the customer to provide proof that those are fraud and we didnt get the service or product from those transactions. 

I was told that I can write to security operation managers to ask for reinvestigation. So I am here to ask for reinvestigation, and ask for documentary evidence that there is a reasonable investigation conducted. 

A reasonable investigation, according to Regulation Z, may include seven elements, including reviewing the purchases in comparison to the cardholders purchasing patterns, reviewing where purchases were delivered in relation to where the consumer normally shops and comparing any signature slips to the consumers signature. We can find the full list by checking out the section of Regulation Z titled Reasonable investigation.

Please reinvestigate this matter as soon as possible. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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 fraudXXXX XXXX : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of First XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXX subsidiary that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested PROOF that I contracted with XXXX XXXX  XXXX and violated a contract. They have not provided this information and continue to report on my credit report that I owed XXXX XXXX  XXXX. I never owed XXXX XXXX  XXXX and demand deletion of this erroneous reporting according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. My next step is to take legal action in regards to this clear violation of the federal article.
Product: Credit reporting or other personal consumer reports

I continue to file disputes with Experian on their website regarding my XXXXXXXX XXXX XXXX accounts- first they were reporting the amount twice. Now they are not updating the most recent information and my most recent dispute just closed with 'information updated ' however it is not accurate. My loan amount was reduced in XXXX to {$54000.00}. It is now {$0.00}. Somehow XXXX has managed to report the accurate information this whole time. I want my Experian credit report UPDATED with the current and ACCURATE information. This is a clown show.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I sent a letter on XX/XX/XXXX to the Credit Bureaus requesting that they remove Fraudulent accounts that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint & I am including them again. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX SERV XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for incorrect information recorded on my credit report, specifically concerning unauthorized hard inquiries that have potentially damaged my credit score. These inquiries are as follows : XXXX inquiries from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, dated XX/XX/XXXX, and XX/XX/XXXX ; and XXXX inquiries from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, RI XXXX, dated XX/XX/XXXX, and another at XXXX XXXX XXXX XXXX XXXX, CT XXXX, dated XX/XX/XXXX. I have not authorized these inquiries, nor have I engaged in any financial transactions with XXXX XXXX XXXX or XXXX XXXX  that would justify these hard pulls on my credit report. These erroneous entries have not only lowered my credit score but also may affect my financial opportunities. I request that Equifax investigate these entries immediately, correct the inaccuracies by removing these unauthorized inquiries from my report, and provide me with a revised credit report post-correction. I trust that the Consumer Financial Protection Bureau will assist in ensuring that my credit report is accurate and reflects only legitimate inquiries.
Product: Student loan

First, I was never put on forbearance during Covid pause and my auto-debit payments continued. 

I called Aidvantage on XX/XX/22 and XX/XX/22 to request refund for payments towards Direct Loans that I made during the Covid pause. According to government guidance, I am eligible for the refund. I called specifically to get this processed before my consolidation went through and before my loans were transferred to XXXX because I am applying for XXXX. 

I called Aidvantage on XX/XX/22 and found out that Aidvantage never submitted my refund request. This has made my consolidation/PSLF process even more complicated. If my refund was processed as it was originally requested, everything would have been included in the consolidation. Now, I need to re-submit another form to add reinstated loans. 

The Aidvantage phone representatives were not knowledgeable and gave me incorrect information on how to request refunds for eligible loans. In addition, they failed to process my original refund request in a timely manner. The loan servicing specialist who have been answering my emails have been very helpful and commendable and the only ones who gave me clear answers however I am unhappy with the customer service over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
To reiterate, the items in question are : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit card or prepaid card

A check was mailed to Barclay card on XX/XX/XXXX for XXXX to pay off the balance of the credit card. The check was received by Barclay and CASHED by Barclay on XX/XX/XXXX. The already cashed check has still not been credited to my credit card account as of XX/XX/XXXX. 
I have called four times and used the chat function once. Each time Ive been told they dont have a record of the check on my account and I need to wait a few more business days for the check to be credited to my account.

The billing cycle closed 11 days after Barclay cashed my check and I was charged interest in the money they have but have not credited my account with. The second billing cycle since my check has been cashed is about to close and Im still getting the run around every time I call.

I attached a photo of the cash check showing it was cashed on XX/XX/XXXX and the statement from Barclay card showing the payment not credited to my account dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX  {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX {$1300.00} this is paid in full and is over 7 years old please remove.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent an email to the CEO of XXXX XXXX XXXX requesting the removal of a negative item from my credit profile being reported to the credit bureaus by XXXX XXXX XXXXXXXX. Shortly after I received a phone from a company representative and on that phone call I request proof of signed documents pertaining to the account in question. XXXX XXXX  XXXX has failed to provide those documents in a timely manner and I question if they even exist. Which is why I demand the account be permanently deleted from my credit profile. 

15 U.S Code 1666b timing of payments 15 U.S Code 1681i procedure in case of disputed accuracy
Product: Debt collection

In XXXX of XXXX my ( then husband ) told me that we were moving and needed my ID and SSN emailed to a lady. He said he took care of everything and I was not on the lease, they just wanted to know who would be living there to run a background check. He kicked me out 3-4 months later in XXXX of XXXX and said it was his house because I wasnt on the lease. Later in XXXX, around XXXX, I received a debt collection from XXXX XXXX XXXX in XXXX XXXX stating that I owe {$3700.00} because he defaulted. I contacted the company and was told that I signed the lease. No one was trying to listen to me or help me. It was during Covid so I couldnt visit their office. After going back and forth with the collection company, Financial Data Systems and the rental company, I was getting the run around and was told that I signed the lease. When I FINALLY received a copy of the lease, emailed to me, MY SIGNAUTURE NOR INITIALS were anywhere to be found. All places where a second person would have signed or initialed were blank. Only my ex husbands signature and initials were on the document. This collection has caused me to be denied rentals to live and has caused a high negative impact on my credit. I want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX, XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Money was taken out of my account its taking very long I dont see why they need to take this long all they need to do is check the atm footage and give me money I dont want to bank them anymore
Product: Checking or savings account

XX/XX/year> {$12000.00} I received an email telling me my account was closed due to fraudulent activity as soon as I deposited my check in the account. When I called they harrased me asking how I got the funds why was it such a large amount who gave it to me etc I gave them all of the information and apparently it still wasnt good enough and they couldnt provide me with no information but to go to the branch. Here it is before XXXX and you want to hold my check an close the account telling me to go to a branch to receive funds when I arrived at the branch I couldnt receive a dime because of speculation of fraud this is ridiculous. Why have a bank account if I cant deposit my inheritance or other assets without suspicious activity this is why I prefer credit unions