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

Citi Rewards Plus card claimed to to give back 2 thank you rewards per {$1.00} spent for gas stations and regular grocery store purchases .... when using the cars at XXXX which is nationally recognized petroleum company who operates thousands of gas stations over the US i noticed i was getting back 1 point per {$1.00} spent. did a chat session with customer service on XX/XX/2019 and advised the CS rep of the issue but didn't really took the effort to research and tried to blame Master Card for miss categorizing XXXX  as gas station and showing as an auto service instead! i have advised the rep that this is a clear violation of CFPB and should escalate immediately to his compliance officer to correct the problem he ignored me and back to blame Master Card, told the rep to XXXX XXXX but didn't seem interested in taking any action. This is a clear violation and i am being cheated of my thank you points which they advertise heavily. I have many other cards the give me the additional rewards when using gas stations ( XXXX included ) but i feel that this is a way to trick consumer to use this card so Citi can benefit without giving back what they advertised.
Product: Debt collection

I disputed the debit with the company in writing. They did not respond to my correspondence. Instead they turned it over to Transworld XXXX. 

Transworld XXXX is calling me at work on a phone that I use for business. I have repeatedly informed them to not call me at this number ( 3 times over the past month ). I have supplied them with my home phone number to discuss this matter, so they do have a way to contact me. 

Each time I've called them because the call I am receiving is a robo call instructing me to contact one of their agents by name. I do not speak to this person the recording lists when i call back.

Whomever answers the phone i inform them that the number they're calling, I provide them with the number I'm informing them not to call, is a work cell phone number used only for business. My employer does permit calls relating to personal matters during business hours. That disciplinary action can be taken if employees are found to be doing so. 

They can call me at my home and I provide that number to them giving them the hours I am available at that number and if they call outside that time frame they will not be able to reach me. I asked them to repeat the number the last 2 times I called to make sure they have the correct number. That's for both the number they're calling and the number I gave them to call. Each time they ask me to please give them 24 hours to get the number changed in their system and that I may receive another call before it gets changed. I acknowledge that, thank them, and end the phone call.

The last two times, after they go through their script about it taking 24 hours, I inform them that I've been told that the last time ( s ) and it's been over a week and I'm still receiving calls. They apologize and tell me it will be taken care of. 

These calls are daily, everyday I get one between XXXX hours and it's not always from the same number. Sometimes it's a XXXX number sometimes it's from a local area code XXXX or XXXX. 

I understand given the climate in today 's world things may take a bit longer to get accomplished. This has been going on now for over a 6 weeks. I think that's more than enough time. They have now officially had an impact on my professional life.

My Manager has taken note of these calls. Since I use this number for business I always take the call only to hear this recording. I hang up immediately but it has happened in front of him more than once. The guy is a " donkey '' and doesn't care about what I've done to get them to stop or that its beyond my control. 

He blew it out of proportion this week passing me over for a pay raise that I have been due for over 6 months. Referencing these phone calls as not only disrupting my work responsibilities but explaining why would he promote someone to manage a department when he can't even manage his personal life. Was this a XXXX   reason to do that, yes it is but he did it just the same. Now I'm livid and I want reparations for the damage they caused.
Product: Mortgage

My brother XXXX XXXX in XX/XX/XXXX and had a existing mortgage in good standing with US Bank. We have continued to make the mortgage payments and home owners insurance. Under the provisions of his will my brother and I are to inherit his house and we also have title to the house. I am the executor of his will and as such notified US Bank of his XXXX and US Bank was sent a certified copy of XXXX certificate and the small claim probate from the court on XX/XX/XXXX. At that time I requested that my brother and I be added to the loan as obligators without triggering the ability to pay rule. On XX/XX/XXXX I received from US Bank a letter stating that they recognized me as the executor. Also on XX/XX/XXXX we received complete loan packet to fill out as a new loan. I consulted my attorney and he stated that the Dodd Frank law inheriting a home was still in effect. He sent a letter to US Bank on XX/XX/XXXX stating to them that my brother and I can be added to the loan. His office received no response from US Bank. On XX/XX/XXXX I sent a highlighted copy of the law on inheriting a home to US Bank loan assumption dept. Received no response. XX/XX/XXXX I called the loan assumption dept and stated our concerns about being added to the loan without triggering the ability pay rule, US Bank stated that they did not have to honor the provisions of the Dodd Frank rule on inheriting a home and that we would have to do a  complete loan packet.
Product: Credit card

On XX/XX/year> I contacted Navy Federal Credit Union that there were numerous charges made on my credit card that I didn't make or authorize. They said they would start a investigation into these charges. I received a letter from XXXX XXXX XXXX dated XX/XX/year> stating they were commencing a investigation of the charges. I received a second letter dated XX/XX/year> from XXXX XXXX XXXX they stated based on our preliminary investigation, we determine a error had occurred. I received a third letter from the credit union XXXX XXXX XXXX still didn't fully removed all oh the unauthorized charges from my credit card. I have called them on several occasion trying to get these unauthorized charges removed from my credit card to no avail. Request your assistance in helping me resolve this issue. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022 a collection notice appeared on both my husband and my credit report. I immediately checked the notice for each and, there was a collection notice from Sunrise Credit Services on each account. Both collections were for XXXX XXXX but for different amounts. On XXXX 's account, it was {$1600.00}. and on My account ( XXXX ), it was for {$1400.00}. I immediately contacted Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX on XXXX. I explained that these outstanding debts did not belong to either of us. They offered to accept lower money reimbursement in lieu of the full amount. I again explained that we did not owe either of these debts. We have NEVER had an XXXX XXXX account. We are both over XXXX XXXX XXXX, my husband has XXXX and we have always had very good credit. These bills do not belong to us and we have NEVER received a statement prior to this appearing on our credit reports at XXXX, XXXX, XXXX XXXX. They will not remove it and, after I disputed these via dispute method with the credit reporting agencies, was told the debt stands and the company has said it is our debt. It is definitely not. It just is not ours. Someone either has done this as identity theft or fraud. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in to Koster Cash Loans located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX   continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX  have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect a debt not owed. This alleged debt does not belong to me and was put onto my credit bureau as in collections and derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 items 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. 

XXXXXXXX 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 XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my XXXX & Experian Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & Experian Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}
Product: Credit reporting or other personal consumer reports

My information, bank accounts emails, social security number was leaked back in XXXX during the data breach inaccurate information was placed on my credit. 

They verified that my file does not exist in their system and has continued to report to all of the credit bureaus this false information. 

I reached out to XXXX XXXX former manager and current manager. XXXX XXXX Experian, XXXX, and transunion to delete the incorrect information, and they have refused to cooperate. 

Also, after paying my full balance of my vehicle, My former car dealership ( XXXX XXXX XXXX ) was shut down and I never received the vehicle title. They also placed a lean on my title even when it shows a XXXX balance and has shown up on my credit. 

I again, called all three bureaus to correct the issue, after sending proof of XXXX balance to all the three credit bureaus. 

In all I have asked all incorrect information to be permanently deleted when they have not done due to the data breaching and my social security number being randomly ran without my consent or knowledge. 

I have sent in information documentation proving my innocence and they are still refusing to comply. I filed a police report as well and sent the report and cfpb report into all three bureaus. 

Please help, this has affected my lively hood completely.
Product: Money transfer, virtual currency, or money service

Someone was selling 2 tickets to an event for {$480.00} total. I messaged them over XXXX XXXX and I sent {$100.00} through XXXX to the seller for insurance purposes on XX/XX/2023. Then the tickets were transferred to me over email from frontgatetickets.com. Lastly, I sent the rest of the money ( {$380.00} ) through XXXX on the same day as the payment continued to fail on XXXX, which was the first thing that made me suspicious. I then realized tickets can not be transferred through frontgatetickets.com. I found out later that the seller deleted their XXXX account, so I was unable to message them. I bank with Wells Fargo and completed my XXXX transfer through them, so I called the bank and they opened a claim for me. Wells Fargo sent me a letter notifying me that the money could not be returned to me as the transaction was authorized by me.
Product: Credit reporting or other personal consumer reports

This company is reporting an account on my credit report that is not mine, nor do i have knowledge of this said debt or any obligations, agreements or contracts with this company. This is a violation of my FCRA, FDCPA, XXXX, and more or other state and federal laws and statutes. They state that they are not attempting to collect on a debt and they they say they are. This is confusing as a consumer. Which is also a violation of my rights. We also sent is a cease a desist communication and from attached documents you can see that they where still communicating through means of median through credit reporting agency and credit report. 
15 U.S. Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX Balance {$51.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I have always made my payment on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.
Product: Checking or savings account

Through an online ad on the XXXX social media, I was taken to a website ( XXXX XXXX XXXX/ ) that looked legit. I purchased a dress for {$320.00} US dollars on XX/XX/XXXX, but what was delivered to me was completely different and of very poor quality. I notified the merchant immediately and asked for a full refund, but they refused even after I returned the dress to them. 
I have disputed the charge with my bank, Chime, on XX/XX/XXXX and provided supporting documents. Claim ID # XXXX was opened, but the bank closed it in favor of the merchant without providing reasonable explanation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Per Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

I want my dividends returned to me and mailed to my home.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

I have a BMW lease payment where I make a XXXX payment. I recently have opened up a new business and have gone through financial hardship and have been late on the XXXX and XXXX payments.
Product: Credit reporting or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. My rights of privacy has been violated and permissible permission was never given in any form of written consent to report. I demand that every account attached be Deleted and Blocked from my consumer report as these accounts are clearly in violation of Federal Law.
Product: Debt collection

this is weird. i had a loan with XXXX XXXX and i found out they sold it to plaza services LLC. however, XXXX XXXX XXXX XXXX XXXX informed me that they took over the loan. but w henever i call XXXX XXXX, they said it was plaza services LLC. So which is it? Plaza services will not answer the phone. XXXX XXXX XXXX XXXX XXXX on the other hand informed me they are the ones i need to pay. i feel like i am being lied to and scammed by someone. i would like for whoever is in charge of my debt now, to leave me alone and get this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}.