23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX has a promotion that states " Pay Today : {$250.00} '' It then states " Card statement credit : {$250.00} '' and then underneath " Total after statement credit : {$2.00} ''. However, after speaking to XXXX different people through CITI card I was finally told I could not purchase the ticket today. XXXX of them told me I would have to wait XXXX hours for a temporary credit card number emailed to me and XXXX of the people said I should have seen a link on the online application page for the temp number after I was approved. No one seems to know when this temporary card number is supposed to be given. I did not see a temporary link for a card number once approved on the website and it was not identified this would be the only time I could get a temp card number to purchase a ticket. They then said I must wait XXXX business days for the physical card to purchase the ticket. This does not align with the promotion of " Pay Today : {$250.00} '' since I can't buy a ticket with that credit card that same day. I wouldn't have applied for the card if I knew they wouldn't allow me to purchase the ticket TODAY to get the statement credit later. This now negatively affects my XXXX XXXX by opening a credit card I don't want and is false advertising. I would like to press any legal action against CITI Bank so they do not create false advertising and manipulate people in the future. The representative I spoke to on the phone who confirmed the promotion was wrong and I couldn't purchase a ticket " today '' is ID # XXXX. A recording of the conversation can be requested for XXXX at XXXX XXXX. This promotion is on XXXX XXXX website when purchasing XXXX of their airfare tickets. 

Picture show at the bottom the promotion I explain above
Product: Student loan

On XX/XX/2019, I submitted a XXXX complaint regarding my balance. When the responded on XX/XX/XXXX, XXXX XXXX sent me a password protected document. When I opened it, it was someone else 's information including name and loan information. I responded back inquiring for my info and she said to delete that right away and sent me the correct document. My document has the same password and it has my Social Security Number! She said my info was not sent to anyone but had no way to prove this information. I asked for a supervisor and submitted another XXXX  complaint as I was brushed off. The same day, XX/XX/XXXX, XXXX XXXX emailed me saying nothing was sent to 'the other individual ' and brushed me off. What about the possibility if was sent to any other customer? I dont know these people and he is not part of the IT team to tell me that someone didnt delete the emails and then proceed to 'claim ' nothing was sent to this person. Its easy to try and cover these things up and given their reputation, I'm sure they will never admit fault. They have caused me hours and hours of time calling credit bureaus, emailing them back and forth with no resolve except that they expect me to take their word for it! Even after saying I refuse to believe a stranger, he still says the same thing in his emails like I'm no one. I spent time calling lawyers, asking for recommendations, trying to get someone to listen as they take this as a laughing matter. I work with privacy act information and when something like this happens, we make it right. I deserve credit monitoring and something for all my time dealing with this. Had they done the right thing in the first place, this would be resolved by now.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX bal. {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with Equifax. They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within XXXX days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All equifax did was send me a response saying the accounts were n't reporting which they are. Equifax - A medical bill with an account number listed of XXXX and {$490.00} balance, A medical bill of {$81.00} with an account number listed of XXXX, A medical bill with an account number listed of XXXX for {$57.00}, A medical bill with account number of XXXX for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also XXXX XXXX. I also filed disputes with XXXX and XXXX they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with equifax. I am following up with this complaint in hopes that they really do an investigation this time. XXXX - XXXX XXXX XXXX and XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and u fair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts open in my name without my permission or authorization, including XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX New Jersey XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over XXXX inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help
Product: Debt collection

My name is NOT XXXX XXXX and was not XXXX XXXX XXXX when this alleged account was opened. 

This will be my third complaint against Portfolio Recovery. I contacted portfolio recovery on XX/XX/XXXX disputing the alleged debt. XX/XX/XXXX I was sent a letter stating portfolio recovery refuses to investigate and dispute the debt and demanding portfolio recovery cease and decist all communication with me. 

Today on XX/XX/XXXX, I recieved another letter from portfolio recovery, again stating they are closing the dispute investigation because I have not sent in information requested by portfolio recovery. I was never asked to send any information. This letter was mailed on XXXX XXXX. I also stated in my previous dispute, that I wished for portfolio recovery cease and decist all communications. 

Attached is the dispute and cease and decist request on XX/XX/XXXX, the XXXX letter sent on XX/XX/XXXX and the XXXX letter sent on XXXX XXXX. 

Portfolio recovery is very inconsistent with the letters regarding a debt dispute, signifying they are not taking my request seriously and sending these irrelevant letters to further harass me. I demanded portfolio stop all communications, however I keep recieving irrelevant letters regarding a dispute portfolio recovery refused to investigate. Portfolio recoveries inconsistancy as well as lack of record keeping further backs my origional dispute. 

Portfolio recovery continues to violate FCDPA regulations stated in CFPB. I refuse to allow portfolio recovery violate my rights.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX 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

In Accordance with the Fair Credit Reporting Act XXXX Mc/Tbom 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act XXXX 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish a account without a written instructions.
Product: Mortgage

XXXX This is my original complaint number. Since my complaint PHH Mortgage has transferred my loan to XXXX XXXX. They called me today with a loan specialist. This person continued to give me invalid information of my last conversation. They said they were trying to get me to the escalation desk, which nobody has even told me it existed.. They have also moved the transfer date from XX/XX/XXXX to XX/XX/XXXX after the CFPB initiated the complaint. I need help before they transfer their negligence and maybe even fraud for property to another company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from the bank US NATIONAL BANK ASSOCIATE. The bank did the investigation on the account and found that it was fraudulent. So the debt collector still refuses to remove the account from my credit report. 
The bank is where the fraudulent account is from.
Product: Money transfer, virtual currency, or money service

Hello, I have an account in Western Union Money Transfer. I have my sister 's contact and bank details stored as a receiver in my account. Between XX/XX/2022 and XX/XX/2022 somehow someone changed the bank details for this receiver. When i sent money to her a month ago, it was sent to the wrong bank account and the transaction was accepted and completed.
Product: Credit card

On XX/XX/year> XXXXXXXX XXXX alerted me to a fraudulent account where a credit account for Bank of America ( Which I have never opened an account or interacted with ) for an amount of {$13000.00}. I am currently assigned as an authorized user on the account but I never approved nor was made aware of this. After going to the local Bank of America in order to remove myself the account they informed me the account does not even exist and my information do not exist in their system. As of now I have called XXXX secure lines through XXXXXXXX XXXX fraud department and gave the fraud complaint gentleman at XXXX the last XXXX digits of my social security number. Then I called the XXXX XXXX XXXX number XXXX to confirm the information was in fact there and was asked to give my social security number in full to confirm my identity. While I doubt either of these numbers is tied to any phishing or fraud the fact that an account was opened in my name leads me to believe that my SSN was compromised and used for fraudulent purposes on XX/XX/year>. Attached are the XXXX relevant photos taken from the Data Alert tab under XXXXXXXX XXXX, as well as the relevant number I called to file a fraud complaint with.
Product: Payday loan

Initially I thought that the flex loan through Advanced Financial was exactly what I needed at the moment. After having always made my payments on time for well over a year. Last month they charged me twice causing me to default on XXXX other accounts as well as overdraw my bank account. I have paid the principal off multiple times over. This cost me a lot of problems and a lot of money. I have never made a late payment on anything. I spoke with them they said they could not refund the money but that they would defer the interest. They did not. I spoke with him several times and what they said was the corporate office. No one knew anything about it. Then they tried to take money from my bank and my credit card. Accounts that had been used for a one-time-only payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late f purpose.
Product: Credit reporting or other personal consumer reports

Experian finished their investigation in to my Identity theft and XXXX students that i did NOT take out. Experian 's conclusion is " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' No process or documentation in to the investigation was provided. 

I did NOT take any student loan out with XXXX or XXXX XXXX XXXX XXXX option is legal. No recourse to appeal. I am guilty until proven innocent. 

I will not pay these loans back.
Product: Credit reporting or other personal consumer reports

I have an installment loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit card

I have tried to get a check reissued for rewards on XXXX different occasions. With Citibank promising to mail check. They issued it in my Dads name and promised to reissue in my name XXXX XXXX. His account ending in XXXX. The check is for {$340.00}. I would appreciate your assistance in this matter. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX dad was a XXXX  veteran and a great customer.
Product: Checking or savings account

I am writing to formally file a complaint regarding my multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

Upon checking my consumer report. I see that your company have put a collection on me for a XXXX account. I don't know anything about this collection let alone that XXXX account. where i live comcast does not come to my home. My name has been used to get unnecessary accounts open. I have tried to contact your company and the original creditor they are telling me that they have no record of me having a XXXX account. I am reporting this because this is inaccurate information and I would like this to be remove and not have statements sent to me. I don't like being harass or constantly contacted for a debt unknown to me and is a fraudulent account.
Product: Credit card

Comenity Bank was paid off in full online for all three credit card accounts for XXXX credit card account, Ulta MasterCard and Express credit card all on XX/XX/year>. 
I had not made any purchases on the cards for over a month. On XX/XX/year>, they charged me interest on purchases I had not made, and then on XX/XX/XXXX charged me a late fee. 
I was not contacted that this was done on all accounts. Then on XX/XX/year>, I was charged another interest charge and on XX/XX/XXXX another late fee. I received an email on XX/XX/year>, that these cards were reported delinquent and then Comenity lowered the balance hitting my credit again. 

I called them, although they agreed to refund these fees, they have not updated my credit report reflecting no late pays. This has impacted my credit. I asked for a letter stating they would update my credit, but have not received any letter, and as of today my credit report has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX Acct ending XXXX and XXXX XXXXXXXX XXXX XXXX ending XXXX 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.

15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

An account was opened in my name, my email address, and other private information.