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

Citi refuses to help me via chat, and their phone " help '' is incompetent. I've wasted many hours trying to get this figured out and nobody will help me. Their so-called customer " service '' is pathetic. 

There is a discrepancy between chat Citi says was charged / refunded, and what XXXX claims was charged / refunded. I need to know who's telling the truth and proof of it, and where's my money. 

My credit card XXXX ( card since cancelled ) shows these XXXX charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are TEN charges of XXXX, plus XXXX in interest. Total XXXX. ( I don't know why XXXX made XXXX charges of XXXX and XXXX, or XXXX and XXXX. But they add up to XXXX. And the charge of XXXX is actually XXXX charges of XXXX, plus XXXX interest. ) My credit card statement also shows these credits : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( later charged back on my XXXX statement on XX/XX/XXXX, so I'm not including it in the math ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are XXXX refunds of XXXX ( I'm putting the XXXX and XXXX together ), plus interest of XXXX, that was refunded. Total XXXX. 

So I paid XXXX a total of XXXX, less XXXX, or XXXX. Which is XXXX * XXXX. 

However, XXXX claims that they refunded XXXX charges of XXXX, below : This is the MasterCard reference for the refund of {$1.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$38.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the XXXX reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund XXXX {$39.00} Recon ID # XXXX Please tell me whether these XXXX refunds, above, were actually made - were there FOUR refunds of XXXX or FIVE? And if there were XXXX, why do my credit card statements only show four refunds? And where is my missing XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX Creditor : ) XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Product: Debt collection

I, XXXX XXXX, recently received a collection letter from PHOENIX FINANCIAL SERVICES, trying to collect on an alleged debt that does not belong to me, I do not know anything about this debt, I have no idea how I could be receiving this if I never had anything to do with it. I depose and say I have ascertained all the facts and have no other reason but to believe that I am a victim of Identity Theft. The below account that does not belong to me : PHOENIX FINANCIAL SERVICES with an alleged REFERENCE # : XXXX alleged balance of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent full documentation to Experian because i am a victim of identity theft. there response is to send to them the same exact items that i have already sent them, so please see again my FTC REPORT and ss and ID
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate inquiries reporting on my credit profile. experian, XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit card

I have identified this account as fraudulent numerous times since initial discovery in 2022. I would like to identify how the account was establish and with what information due to the repeated verification of the account. I am requesting copies of documents and applications acquainted with the establishment of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Capital One Auto Finance to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Capital One Auto Finance has engaged in extortion and racketeering activity defined under XXXX XXXX Chapter XXXX. Capital One Auto Finance has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). 
-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means late payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Capital One Auto Finance has caused harm by reporting inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of a bankruptcy record that is being reported by Transunion, XXXX, XXXX, and XXXX on my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure the removal of this erroneous information from my credit file. Additionally, I would like to emphasize the importance of consumers ' right to privacy, as guaranteed by the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( USC ).

Under 15 USC 1681 ( a ) ( 4 ), it is explicitly stated that " there is a need to ensure that Consumer Reporting Agencies ( CRAs ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' I firmly believe that the reporting of my bankruptcy information violates this fundamental right to privacy. Contrary to the claim that bankruptcy records are public information, I contend that consumers have an inherent right to privacy with regard to their financial matters. 

Furthermore, as per the provisions outlined in 15 USC 1681i ( b ) ( iii ), the investigation conducted by the CRAs should not include factual information but rather be limited to the mention of the consumers ' character, general reputation, characteristics, or mode of living, as specified in 15 USC 1681a ( e ). Therefore, any investigation or findings by the CRA regarding the accuracy and completeness of bankruptcy information should adhere to these guidelines. 

In light of the aforementioned legal provisions, I request the following actions to be taken : A thorough investigation of the accuracy of the reported bankruptcy information. 
Verification of the procedure used by Transunion, XXXX, XXXX, and XXXX to determine the accuracy and completeness of the information. 
Disclosure of the business name, address, and telephone number of any furnisher of information contacted in connection with this bankruptcy record. 
Removal of the erroneous bankruptcy information from my credit file and all associated credit reports. 
Notification of the outcome of the investigation and the actions taken to rectify this situation. 
I appreciate your prompt attention to this matter and expect a timely resolution. Please be advised that failure to comply with the provisions of the FCRA and USC may result in legal action being taken against the reporting entity. I trust that the CFPB will act diligently to ensure that consumers ' rights are protected and that accurate information is reflected in their credit reports. 

Enclosed with this letter are copies of relevant supporting documents, including my credit report showing the disputed bankruptcy record. Please let me know if you require any additional information or documentation to proceed with the investigation. 

Thank you for your immediate attention to this matter. 

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

I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXX XXXX XXXX. All others are fraudulent
Product: Debt collection

Rent recovery solutions is violating my rights under the fair debt reporting act. They are on my credit report alleging I owe {$610.00} on XX/XX/XXXX. I sent them a letter asking them to validate the debt stating that I disputed the debt but that I would pay it to have it removed from my credit report for a lesser amount. They never responded to my letter. In the interim, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill call Rent recovery solutions so I can resolve the issue because I needed to move immediately. I paid the debt. Rent recovery solutions refuses to provide me with payment proof, the representative applied my payment to the wrong account I was left on hold. I was denied a supervisor. I left a message for a supervisor several times she never returned my calls, and even after the representative admit it that she applied the payment to the wrong account she wanted to go on and tell me about the guidelines and rules about me receiving notification of the debt being paid even though they confirmed the payment had been applied to the wrong account, they are telling me I had to wait 14 days to receive proof of payment. They do not have the capability to email receive emails or send receive faxes and they have all this control over peoples livelihood and whether or not they can or can not be approved for a living space
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having insufficient funds when transactions were authorized. I was charged fees due to lack posting of charges and credit this issue aligns with these recent CFPB FINDINGS AGAINST NAVY FEDERAL FOR SIMILAR PRACTICES WHERE TRANSACTION SETTLEMENTS WITH INSUFFICIENT BALANCE, DESPITE INITIALLY AVAILABLE FUNDS, I BELIEVE THIS PRACTICES ARE UNFAIR AND REQUESTED AN END INVESTIGATION INTO MY ACCOUNT TRANSACTIONS.
Product: Checking or savings account

I opened a new Citibank checking account on XX/XX/2018. Part of the terms of the new account was a {$400.00} new customer promotion for depositing $ XXXX in funds to the account and maintaining the balance for 90 days. I did this immediately, the funds hit the account on XX/XX/2018 and were maintained for >90 days. At that point, I was told by a customer service rep at the end of XXXX that I had successfully fulfilled all of the terms of the promotion and should hear shortly about the bonus. On XX/XX/2018, I received an email from Citi noting that I had indeed fulfilled the terms of the promotion and would receive the {$400.00} in the next 30 days. I waited until XX/XX/2018 and did not see the funds deposited to the account. I then reached back out to customer service to inquire and was told that an dispute was filed and that I would hear back shortly. I still have not heard anything back from Citi and have not received the promotional offer. After searching around the internet a bit, this seems like common practice from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act I have a closed XXXX XXXX account that is violating my rights. Account XXXX XXXX ( XXXX ) has violated my rights. 

15USC 1681 Section 602 A - States I have the right to privacy 15 USC 1681 604 A Section 2- States that a consumer agency can not furnish an account without my written instruction.
Product: Debt collection

I contacted collection agency and let them know it is not my debt clearly shows XXXX XXXX I have disputed this issue with the bureau and they have not budged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX, Balance Owed : {$0.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$440.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall 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 card

I 've been a Bank of America customer since 1996 and the only reason why I 've continued to use their services is because the long standing credit history is good for my credit score. However, their incessant terrible customer service has finally compelled me to pay the card off in full and to drop the card ( as well as my banking account ) with this poor service institution despite the imminent drop in my credit score. Their interest rates are ridiculous and they are never amenable to lowering the rate, their customer service wait times consistently exceeds 45 mins and the last time I requested an interest rate reduction, the customer service contact was rude and falsely noted that my rate would not be reduced due to my credit history with the bank. I calmly asked the representative to elaborate and she could n't ( by the way -- I 've never had a late payment in my entire 20 year relationship with the bank and always pay beyond the minimum due ). I told the representative to please provide me with evidence of any history as it is a mistake and she kept deflecting the issue. ( By the way, I watch my credit like a hawk as a fico.com member and all three of my scores are around XXXX ). 

Furthermore, the bank service is terrible as well. In one instance, I was in the process of notarizing a document at a bank, provided my identification, signed the document, and the XXXX customer service rep accused me of forgery. I had my SS #, license and birth certificate in hand and finally, XXXX of the bankers ' superiors was able to assist me and apologized for his colleagues lack of professionalism. Consequently, I will move my $ XXXX/month automatic draft, checking and credit services to XXXX. 

I 've had many peers tell me about Bank of A 's notoriety and frankly, I will encourage all of my peers to never bank with such a terrible institution. There are much better alternatives available.
Product: Credit reporting or other personal consumer reports

Background and Timeline of Events Prior to XX/XX/year> : I notified TransUnion of a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account on my credit report. Despite my alert, the fraudulent account continued to appear on my file and was later marked as verified without any substantive investigation or supporting evidence. 
XX/XX/year> : After repeated attempts to have this account removed, and in light of XXXX refusal to properly investigate and remove the fraudulent entry, I formally initiated a dispute with TransUnion. In my dispute submission, I included an official FTC Identity Theft Report along with documentation verifying that the XXXX XXXX  account was the result of identity theft. 
XXXX XXXX, 2025 : Despite my efforts and the provided FTC report, the fraudulent account continued to reappear on my credit report, and TransUnion did not conduct a proper investigation. 
XX/XX/year> : I received a status update from TransUnion stating : It's been XXXX days since we received your dispute and we're still waiting for a response from your creditor ( XXXX ). We'll continue to keep you updated on the status. 
By this date, more than the required XXXX business days had passed, and no action had been taken to remove the fraudulent account. 
Violation of the FCRA Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681c-2 credit reporting agencies are required to block or remove information resulting from identity theft within XXXX  business days of receiving a consumers identity theft report and supporting documentation. I met all these requirements by : Notifying TransUnion of the fraudulent account well before XXXX  XXXX, XXXX.

Filing a formal dispute on XX/XX/year>, including an FTC Identity Theft Report and sufficient evidence that the XXXX XXXX  account was fraudulent. 
XXXX failure to remove the fraudulent account and their reliance on unverifiable evidenceeven labeling the account as verifiedconstitute a clear violation of the FCRA. 

Harm Caused by XXXX XXXX XXXX  inaction and repeated failure to investigate properly have resulted in ongoing harm : Credit Damage : The fraudulent XXXX FCU account adversely affects my XXXX XXXX and overall creditworthiness, potentially leading to credit denials or higher interest rates. 
Emotional Distress and Reputational Harm : I have experienced significant stress and anxiety knowing that a fraudulent and unverified account continues to appear on my credit report, undermining my financial reputation. 
Financial Vulnerability : The continued presence of the fraudulent account exposes me to potential future complications, such as being mistakenly held liable for debts I did not incur.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Negative accounts NOT Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 4 negative debt collection accounts that I have no knowledge of. I also have an unknown address on my credit report as well. I am a victim of 17 data breaches and a victim of identity theft. I found another social security number on my Experian credit report that was deleted when I called.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written dispute letters and have not received any responses. Many errors on my report