23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Over the past 10 years, I have had my identity stolen numerous times. In that time I cleared debit and paid off the things I needed to to have a better XXXX XXXX. Suddenly I would get various companies charging me for services I canceled. So I canceled my visa cards and started fresh. I would then get charged again for the same or new services. I then called my bank and canceled my cards again. It happened again so I asked Bank of America to take me off the auto-renew list they told me XXXX would have to do this. So I contacted XXXX and they said Bank of America would have to do this. I was on the phone with them most of the day arguing about whose responsibility it is. All I want is to opt out of the auto-renew service so when my cards are updated. I am getting charged by companies that all of a sudden come up.
Product: Credit card

On, I believe XX/XX/XXXX I contacted my credit card company, along with the merchant, XXXX on a three-way-call to request a credit for a payment I made with my Citi Credit Card on XX/XX/XXXX in the amount of {$550.00}, which the merchant claimed she did n't receive. She stated the payment was processed via XXXX who in-turn should have made the deposit to her bank account, but she claims she did not receive the payment. During the three-way-call the credit card customer service rep confirmed that the payment was indeed made to XXXX. I was also able to see it on my account transactions. Well, at that moment we decided to request a credit for the {$550.00} and I agreed to make the payment via XXXX. ( This agreement between myself and the merchant was recorded by Citi Card Acct Services ). 
To my surprise the charge of {$550.00} was put into dispute, but then I realized, of course. There was to be an investigation. The dispute was investigated and the merchant provided proof of the transaction. Then, of course the payment was posted back to my credit card account. In essence I paid twice for the service provided once. I was confused about the whole process. I admit and have taken responsibility for my ignorance but I was also misguided by the Citi Card customer service reps. After getting an understanding of what had happened I requested that the dispute remain open via email on XX/XX/XXXX, which was the deadline for any other information I wanted to provide to keep the investigation going. 
In that email I asked the dispute dept to please contact the merchant again so they can confirm my story and that the merchant will not contest my dispute. I have been in contact the merchant throughout the whole dispute process and she agreed. They never did contact her. 

Then I received a notice, date XX/XX/XXXX that the dispute was closed. I contacted Citi Card dispute dept and spoke to XXXX, the Account Manager on XX/XX/XXXX and, to make a long story short she denied my request to keep the case open or should I say re-open it even with the proof that I contacted them before the deadline with additional info via email. 

What would I like the outcome to be? I would like for the Citi Card Dispute Department to reopen my dispute, get in contact with the merchant, XXXX and credit my account for the {$550.00} and/or to follow the paper trail and confirm that the merchant really did n't receive the payment. 
I am not denying that the service was not rendered I am stating that I made a duplicate payment of {$550.00}. 

I am hoping that you can please provide me with the assistance I need to obtain my money. I accept responsibility for my ignorance but I should n't have to be punished for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax follow up from Complaint ID XXXX Thanks for responding back to the complaint with the Cfpb. however You still DID not address my concerned. I DID NOT ASK YOU FOR CREDIT REPAIR ADVICE I ASKED AND WILL ASKED AGAIN! FOR YOU TO SEND ME THE ORGINIAL SIGNED DOCUMENETS THAT THE FEDERAL GOVERNMENT INSTRUCTED THE REPORTING AGENCIES TO HAVE IN YOUR POSSESSION AT ALL TIMES THE FCRA 609 ( A ) ( 1 ) ( A ) AND SECTION 611 ( A ) ( 1 ) ( A ) ALSO SECTION 611 ( 5 ( A ) BUT I'M NOT CONCERNED ABOUT GETTING THE CONTRACT ANYMORE BUT HOWEVER I'M CONCERNED THAT YOU FAILED TO INVESTIGATE WITHIN THE 30 DAYS THAT THE FCRA ALLOW THE REPORTING AGENCIES ALLOW YOU TO. PER THE FCRA IF AND SHALL NOT COMPLETE IN 30 DAYS THE ACCOUNTS MUST BE REMOVED I HAVE ALREADY NOTIFIED THE MN ATTORNEY GENERALS OFFICE WHO SHOULD BE IN CONTACT WITH YOU IN THE COMING DAYS ALSO I WILL FILE LAWSUIT IN FEDERAL COURT WITH IN THE NEXT 5 DAYS SO HELP ME GOOD WITH ALL OF YOUR BURGAGE YOU SENT IN YOUR REPONSE YOU WILL NOT SEND ANYTHING VIA THE CFPB WEBSITE JUST CURIOUS YOU DON'T HAVE THE ORIGINAL CONTRACT DO YOU? IF NOT WHY DON'T YOU PLEASE ANSWER YOU ARE BREAKING THE LAW EQUIFAX. BUT REMOVED ALL ACCOUNTS LISTED ON THE PRIVIOUS COMPLAINT. ALSO TO ANSWER YOUR QUESTION FROM PRIOR YOU ARE EXACTLY RIGHT CREDIT REPAIR COMPANY CAN'T HELP ME AT THIS POINT BUT GUESS WHAT YOU CAN BY REMOVING THE ITEMS THAT YOU FAIL TO INVESTIGATE IN 30 DAYS! 
THANK YOU SO KINDLY LOOKING FORWARD TO WORKING WITH YOU IN THE COMING DAYS
Product: Debt collection

I received 2 calls, I missed. I called this XXXX number back I am connected to XXXX XXXX. He says I've been treated wrong, I have a lawsuit on my hands he needs my information. I ask what's this in regards to, XXXX XXXX replies your Capitol one account from XXXX. ( I've been hounded alot with this accusations ) So I ask how I can help, XXXX XXXX says I have his mother 's birthday, so he's gon na help me. 
He's gon na tell me about a fraud case I have in my favor. Can he get my birth date, I give it. I give my address, XXXX XXXX tells me my social security number, then states what I owe capital one, {$6900.00}. 
It's wrongful charges, he's gon na get them dropped. 
XXXX XXXX call XXXX XXXX, asked there civil filing fee. 
The XXXX XXXX calls XXXX XXXX XXXX and asks there serving fees. 
XXXX XXXX then transfers me to XXXX XXXX 's who attempts to get my credit card information. I ask for verification of who I'm giving my credit card information to, and what's the reference number, and he tells me I'm gon na loose my deal. I will not get this XXXX dollar debt covered for XXXX if I don't give him my information right now. 
I call first point who XXXX XXXX 's claims to represent and they have no employees with that name. 
Is this a real debt collector, is this a scammer with all my information? 
Please help Resolution. Fix my credit. Make sure my social security number is not in wrong hands. Find out if these numbers are real, or scam
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vendors can't seem to access my Equifax credit score. My attempts to fix this have lasted six years. Two different mortgage lenders have failed here despite no freeze being on the account and my having sterling credit with the other bureaus. I am locked out of Equifax 's website -- a common enough complaint -- and I am unable to verify my identity to get through their phone system. I have a copy of my credit report from XXXX, but no mortgage broker is able to access the score.
Product: Debt collection

I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are reporting {$660.00} on my credit file.
Product: Debt collection

I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received. 

Thank you XXXX XXXX
Product: Debt collection

I became aware of this fraudulent account in XX/XX/2020 I immediately complete a identity theft report and sent that to the credit card company but I received no help at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX   Account # 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
Product: Debt collection

XXXX XXXX is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. Portfolio Recovery and XXXX acquired on XX/XX/XXXX. Portfolio Recovery and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information Portfolio Recovery and XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. 

Portfolio Recovery Associates XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22.

Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.
Product: Mortgage

I am in limbo between two mortgage companies. My current mortgage company, Freedom Mortgage, purchased my loan from XXXX XXXX  back in XX/XX/2020. The issue is there was an unpaid balance that wasn't included to fulfil the payoff in its totality. XXXX XXXX  is coming after me for the remaining balance, and Freedom Mortgage is coming after me for this months payment. I have called Freedom Mortgage countless times but have been given the run around, and even hung up on twice. I am able to make my monthly payments. However, I am NOT prepared to pay both my monthly payment and XXXX remaining balance that is remaining due to XXXX. Just today I called Freedom Mortgage, and was transferred, and had to explain this complete disaster over and over again to four different people, only to be told again " I'm sorry XXXX XXXX, but thank you for your service. I see that this is a VA loan. I don't know what to do because this has never happened. Please hold while I transfer you over to our closing department because I don't know what to do ... .click ''! The phone hangs up and I'm left with no answers. I have been told for over a month that someone would call me once this issue is resolved so I can make my XX/XX/XXXX payment. Mind you, it is now XX/XX/XXXX. Instead I received a mortgage statement from Freedom mortgage in the amount of {$2900.00}, to include {$58.00} late fee. I have NEVER missed any mortgage payment or even been late. This has been the worst experience I've ever encountered with any company. Currently I am seeking legal advice on how to move forward. I pray no one else has to experience this.
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

The company is reporting my score too low and wo n't do anything about it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2022 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have tried to get my free annual credit report I think my identity has been stolen
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 56 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a hard inquiry from XXXX XXXX appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from Penfed. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from Penfed I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize Penfed look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from Penfed informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.
Product: Checking or savings account

I responded to an online offer from Citibank for a {$700.00} bonus for opening new checking/savings accounts. The offer required me to open a new Savings account and a new checking account, deposit {$50000.00} within 30 days and maintain said balance - over both accounts - for at least 60 days after that. I had to apply for the offer online only, and I did so from the correct page. I opened both accounts with an initial deposit ( each ) of {$25.00} on Saturday, XX/XX/XXXX, and these accounts appeared in my online profile on Monday, XX/XX/XXXX. On that day I transferred {$50000.00} into the XXXX account, and that money appeared in the account on XX/XX/XXXX. From XX/XX/XXXX onwards, I therefore had to maintain that balance for 60 days at least to qualify for the {$700.00} bonus. Around XX/XX/XXXX - well after the 60 days - I rang Citibank to see when the {$700.00} would be credited to my account, and I was specifically told that yes, I had satisfied all of the conditions for the offer, and that the {$700.00} would be credited by XX/XX/XXXX. On XX/XX/XXXX, the {$700.00} has still not appeared, so I called Citibank again, and was told by " XXXX '' - who confirmed this with a " personal banker '' that the {$700.00} would be added to my account " today ''. On XX/XX/XXXX the {$700.00} still had not appeared, so I rang Citibank again and spoke at great length with " XXXX '', who also then spoke with a " personal banker '' on my behalf. At first XXXX said that they couldn't find the " promotion code '' that should have applied to this offer, but when I asked why this had been confirmed as being satisfied by TWO previous Citibank representatives, he said he would " check again '' and - having done so - did indeed see that the promotion code was there. He then said he would file a " request '' for an investigation on why this offer had not been honored by Citibank. That request has the following ticket number : XXXX. He told me it would be another " 5 business days '' before that request would be addressed. I 100 % satisfied every single requirement of this offer, and Citibank has had my {$50000.00} for 155 days now. I have earned a total of {$19.00} interest on this money, and only did this to try to get the {$700.00} bonus. It seems Citibank is trying to cheat me out of this after I have diligently satisfied all conditions and trusted them with my money. They have made a great deal more than this {$700.00} on MY money during this time, and it is frankly criminal that they can get away with this flagrant abuse of a faithful customer. I have my internet browsing records from early XXXX, XXXX, and can prove that what I was is true ( see attached ). All of the above information can be easily verified - and has been - by Citibank, but still the offer has not been honored.