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

I contacte d Citi rega rding my deceased husband 's AT & T Universal card. My husband opened this account in his name. I was a cardholder, but not an account owner.     When I contac ted Citi they  took his name off the account and change it to my name, which is wrong. I wanted the account closed, and since he has no estate, there is no money to pay the balance. I was so upset because I called just a few days after his death, and they talked me into making a payment.     Then they said I would now be responsible for the balance. I reiterated that I was a card holder and not an account owner. They also repeatedly asked for my social security number, which I did not provide.     When they told me I must make payments, I asked them to send a copy of the credit card agreement with my signature showing that I was an account owner and not just a card holder. That was back on  XXXX   XXXX  or  XXXX .     I and my son have called and spoke with  Citi mu ltiple times since then because they keep telling me  XXXX  of  XXXX  things. Either they do not have records of documents older than 7 years, or that they will send me a copy of the credit agreement proving that I am a joint owner on the account. As of  XXXX   XXXX , we have not recieved a copy of the credit agreement.     If I were not just a card holder on this account my husband opened himself, then Citi would already have my social security number.     I am almost  XXXX   years old, livi ng in subsedized senior apartments and have no money. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

My complaint is that capital one 360 checking has a incorrect balance of XXXX dollars on all my checking accounts are paid in full I got letter from capital one 360 checking. The problem here is that can you please have capital one bank XXXX checking let the XXXX XXXX district attorney know that my accounts are paid in full and that I don't owe XXXX dollars. I'm innocent here. I was falsely accused of transferring funds to others accounts. My information was hacked by someone else I have copy of letter from capital one 360. Telling me this. And I didn't do anything wrong. Here and the last time I talked to the consumer protection dept they told me thT I was paid up and my accounts will be closed. So what's XXXX here is that I'm being accused of taking XXXX dollars from my checking account. Can you please have capital XXXX get this criminal charges withdraw. Reason is that I was framed. I never transferred any amounts totaling XXXX to other accounts because it was restricted. So theirs any errors here the only overdraft was that small balance and its paid in full.
Product: Debt collection

This creditor Collection Resources Inc. ( whom I have  never received services from ) is unable to verify debt dated XX/XX/2013 for {$70.00} ; please remove this collection account from my credit report promptly. Very unfair and unacceptable practices by collection agencies and slow credit bureaus to follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called TransUnion and spoke with an agent about the removal of inquiries I did not recognize on my credit report. She denied me customer service, would not help, and would not take care of the negative inquiries reported on my credit report. 

According to the Fair Credit Reporting Act, legally these unauthorized and unverified inquiries must be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Bank of America that I wanted to cancel my XXXX XXXX branded credit card when I recieved my advance notification of my renewal fee. This was approx. 6-8 weeks prior to the renewal date. The agent assured me he would cancel my account. 

Instead, they did not cancel my card, and charged me the annual fee. When I attempted to contact them to discuss the issue on XX/XX/2018 between XXXX XXXX, they never answered the phone. I even tried to get help through their fraud department who also gave up on trying to get their own customer service department on the phone. Their website provides no online options, no addressses, nothing other than the phone no. that they will never answer. I spent a combined time of 1.5 hours on hold, attempting to get help. They never responded. I dont know what else to do. It appears that they are purposefully trying to avoid cancelling my account.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Louisiana FCRA and Identity Theft Fraud Laws Dear XXXX XXXX XXXX, I am writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Louisiana identity theft fraud laws, specifically Louisiana Revised Statutes Title 14, Section 67.16.

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, unequivocally mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Louisiana state law, particularly Louisiana Revised Statutes Title 14, Section 67.16, underscores the severity of unauthorized access and misuse of personal information, emphasizing the protection of consumers from identity theft and fraud.

I assert with absolute certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand, with utmost seriousness, that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Louisiana identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be regarded as deliberate noncompliance, subject to penalties under applicable laws, including Louisiana identity theft fraud statutes.

Obtaining consent is not discretionary but a legal obligation under the FCRA, Louisiana state law, and identity theft fraud laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Debt collection

XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Also the collection it is about an old mobile account that as I know is paid as agreed and close years ago. Plus there is NO verification if they are registered in my estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct has XXXX $ balance please delete from my XXXX and Experian credit reports! You cant collect from a {$0.00} balance
Product: Debt collection

Coast Professional , Inc., Reference # XXXX ( contact phone number XXXX ) they are saying that they are collecting a debt for the Office of the Fiscal should threatened me that I should pay them XXXX ( their mailing address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX all of the money at once, that I should send payments to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. plus ( someone impersonating the IRS HAS MANAGED PUT THROUGH A NON-LEGAL GANISHEE FOR {$270.00} per month from my Social Security. The IRS wrote to me and said it wasn't them. The National Finance Department, said the ISSUE WAS RESOLVED. Social Security Administration offered no support in helping my resolve the ( garnishee issue ) and allowed the ( IRS Impersonator to take {$270.00} from my Social Security check each month since XX/XX/year> ( so far they have managed to get {$1300.00}, as of XX/XX/year> The Impersonator, did not supply the Social Security Administration, the name of Judge that signed for the garnishee, the actual creditor, the itemized listing of what and why my check was being garnisheed. Please have your Investigators stop this company and impersonator from embezzling money out of me. Your assistance in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00}.
Product: Credit reporting or other personal consumer reports

I have been with Credit Acceptance for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed a delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of Credit Acceptance and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.1. XXXX  XXXX Account # XXXX. XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX. XXXX  XXXX Account Number XXXX XXXX  XXXX Account # XXXX XXXX  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 an 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Debt collection

I dis covered an alert about my credit report with a collection account from XXXX XXXX for XXXX collection Agency Southwest Credit Systems " I am formally disputing the collection account listed on my credit report. I believe this account was opened fraudulently without my authorization. I have never received any correspondence or statements related to this account. I request that you immediately investigate this matter and remove this fraudulent account from my credit report. ''
Product: Debt collection

1. This company Convergent Outsourcing falsely misrepresented in their call saying it was XXXX, trying to collect {$170.00} XXXX owed.In a letter to me XXXX, it lists XXXX to pay or by credit card. I called XXXX & clarified that there is no debt of {$170.00}. 
2. A few days later, this same company called with an automated message to XXXX XXXX " from the District Attorney 's office with pending charges & should contact this office at once.You have been notified. '' I was terrified & immediately called that number. The same scam from Convergent Outsourcing regarding collection of {$170.00} due XXXX. 
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative, only my fairly new XXXX transactions, which are favorable. 
I have made XXXX aware of this scam so hopefully, they too will file complaints against Convergent Outsourcing. In my opinion, this should be turned over to the legal authorities as a misdemeanor or even felony. 
Convergent Outsourcing , Inc XXXX, WA XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX  I deposited XXXX money orders from XXXX XXXX of {$500.00} each into my personal Bank of America account, totaling {$7500.00}. Out of that amount, only {$1500.00} was made available in my account. The remaining {$6000.00} was placed on hold ( frozen ) without any clear explanation, and shortly after, my account was closed without prior notice or proper justification. 

Since then, I have made numerous attempts to get information about the situation. I have called customer service multiple times and visited local branches, where even employees have tried contacting internal departments without success. No one has been able to provide a reason for the funds being frozen or when they will be released. It has now been over two months, and I have received no resolution or formal response from the bank. 

I want to emphasize that this money represents my personal savings, and this situation has caused me significant financial stress. I find it unacceptable for a banking institution to retain my funds without a transparent process or an effective communication channel to resolve the issue. 

I am requesting the immediate release of the {$6000.00} that has been frozen, along with a formal written explanation regarding the reason for the hold and the closure of my account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was checking my credit I noticed multiple accounts that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and been hung up on several times when I start disclosing the issue with XXXX and XXXX in the fraud dept both on XX/XX/2020 and XX/XX/XXXX. I am stressed and stuffered from XXXX XXXX all this wont fixed Experian has been reported misleading representations on my report of fraudulent data : multiple fraudulent SSN XXX XX XXXX and XXX XX XXXX for the last 7 years and failed to fix the issuues of all including multiple unverifiable bankruptices, multiple variations of unknown addresses, variations of names and employers.. .My legal name is XXXX XXXX and XXXX only legal address XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Debt collection

The National Recovery Agency ( XXXX ) been calling me every day since XX/XX/XXXX. ( could be longer ). 
This debt collector are trying to get fees that I didn't pay from XXXX XXXX. These are the dates that they gave me : 1. XX/XX/XXXX {$22.00} 2. XX/XX/XXXX {$22.00} ( same ) 3. XX/XX/XXXX {$32.00} and I have a XXXX XXXX account and I was NOT in the hospital on any of those dates. That's a scam. The NRA knows my birthdate and I believe they thought that I was too old to know the difference.
Product: Money transfer, virtual currency, or money service

Concerned, On or about XX/XX/XXXX I received a letter with a check from Bank of America, explaining I had been overcharged one or more fees & interest by mistake. They apologized & were sending me a refund in the amount of {$980.00}. I received the check, which was in the business name, that was closed in XXXX. I took the check to Band of America, who wouldn't cash the check for the fact that the business was closed. I couldn't cash it at my present bank for it wasn't in my name! I phoned Bank of America XX/XX/XXXX, they needed me to fill out a form to change the business name, XXXX XXXX on the check to my name, XXXX XXXX XXXX. I haven't received this form yet! I've phoned twice! The date of my last phone call was XX/XX/XXXX, they continue to tell me the form is on the way! I don't understand why it has to take two months to change the name on the form. How long will it take to receive the amended check! 

Thank you XXXX XXXX XXXX