23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or around XX/XX/year>, XX/XX/year>, and XX/XX/year>, XXXX separate occasions, I attempted to make a payment to Citibank for my credit card using the automated phone payment system. I have regularly used this method. I have been a customer and cardholder for nearly XXXX  years. Once I had entered my account info, the automated payment system began proceeding without asking me the amount I intended to pay. It processed payment of the entire balance, several XXXX dollars. I said No and attempted to stop this from processing, but the system would not acknowledge my attempts and continued on saying thank you for paying your balance in full. I then had to call to the staffed customer service line to reverse the transaction. This happened XXXX separate times on different dates, different times of day. I have never had this issue in all the years I have been using this phone system. I don't have this problem with any of my other accounts ( XXXXXXXX XXXX  and XXXX ) that I pay through their respective automated systems. I told the customer service rep what had occurred and was told this was a mistake and they would look into it. However, it happened a XXXX time, and today it happened a third time. Citibank is not taking this issue seriously, and I can not be the only customer impacted by this. The problem with the automated system disregards what the customer says and what the customer enters on the touch screen. The system is processing payments that have not been authorized or intimated by customers. A customer must pay close attention to catch what has occurred and then must call back to correct the issue, if the system is allowed to go through the payment process. Since the system is asking customers to verify the transaction but is not halting the transaction when the customer says NO or fails to agree, the system is going forward against the customers wishes and permissions, and is then stating a transaction that the customer has not approved. This seems fraudulent, perhaps illegal, and it is wrong that Citibank has not taken this issue more seriously to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the following consumer reporting agencies. Experian and XXXX I originally made each of these agencies aware of inaccuracies on my credit report due to identity theft in XX/XX/2019. Each month since then I have sent them proof of those inaccuracies. In my recent disputes to Experian and XXXX on XXXX XXXX I submitted proof to them that the creditors had not legally verified my accounts. In addition I have sent proof that my address and drivers license number was different from the ones held on file by the creditors. Also The creditor were not able to provide the original contracts bearing my signature. However Experian or XXXX has not removed these inaccurate accounts.They have told me that these accounts were verified I questioned how. Their method of verification was not disclosed to me despite my request. These account are inaccurate and should be removed. These agencies also allowed the creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to re age the accounts showing missed payments and a past due balance after being charged off.
Product: Credit reporting or other personal consumer reports

I have been having Kovo report to my credit, I have asked for debt verification of the alleged debt, which has not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern : XXXX XXXX # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documents and request for proof of claim, I have been unable to find any contracts for business between my person and XXXX XXXX. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account. I have make a request for any and ALL legal contracts obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between XXXX XXXX AND XXXX XXXX XXXX.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX  I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Debt collection

I was denied for an apartment today due to a debt owed to XXXX XXXX. I reached out to Hunter Warfield in an attempt to resolve the debt owed and was treated with disrespect as well as unprofessionalism. I spoke with a woman who was quick to speak slow to listen. She then transferred me to her Manager XXXX XXXX who was confrontational, argumentative, disrespectful and unprofessional to say the least. I explained to them both I was willing to pay {$600.00} on a debt that is about to reach statute of limitations. They offered {$1100.00} I countered with {$800.00}. Just seems to me they aren't willing to negotiate with you to resolve the case due to their kickbacks for collecting the debt. XXXX overly aggressive with his tone even after I asked if he could please lower his voice and adjust his tone. This debt has haunted me for almost 5 years and doesn't show anywhere on my credit reports however whenever I apply for housing this is the reason I am denied. I am a single mom with three kids trying to do the right thing on a debt that has shared responsibility with another person however I am the only person being penalized.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With TransUnion and XXXX I have n't been able, as they stated that XXXX needs to be the one requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
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 ( CDPA. ) 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 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 financial loss and inconvenience, and I seek appropriate redress for these violations.
Product: Debt collection

I am a victim of identity theft.someone used my stolen information to obtain a service with XXXX XXXX XXXX. The amount is sent to collection for the amount of XXXX. I had already frozen my account during that time. I had even contacted XXXX XXXX XXXX about the suspected fraud on my account during that time because I see an inquiry from XXXX XXXX XXXX  on my credit report but they said they dont see it. Please help me and the fraud department is not responding.
Product: Debt collection

XX/XX/2020 MRS BPO placed a collection account on my credit report in that amount of {$290.00} I called and ask the rep why was this account showing on my credit report. She asked my name and address and stated she couldn't find me in her system and told me to dispute the charge. I told her if she could not find my name and address in her system then how was this account placed on my credit report? To no avail could the rep answer my questions. I never received any mail or phone calls from this company yet an account for {$290.00} was placed on my credit report. I need help for I have no knowledge of this account or company. MRS BPO XXXX XXXX XXXX XXXX XXXX, NJ XXXX with a phone number of XXXX is on my credit report as an collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following XXXX accounts that need to be removed are XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account was open fraudulently in my name. Account is not mine. Law enforcement was
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year>
Product: Checking or savings account

The very first time I encountered a problem of this nature with Chase was XX/XX/year>. My boyfriends family member went into the bank hisself, and deposited a cashiers check into my account. And they put a freeze on my account and wanted to verify him through a phone number he didnt use anymore. And about a month later, after being told contradicting things by the staff of Chase, we were finally able to get it cleared. But only after my account had been closed so I received a check in the mail for the balance. So I decide to try banking with them again ( and this will be the LAST time ). I have XXXX family members of my own who can not deposit their own checks because XXXX dont have a bank account, and ones ID just expired not too long ago. So they endorsed their checks to me to be deposited. ( And let me just mention that I do not mind verifying them if need be. ) .The first XXXX, deposited on different dates in XXXX, went through without issue. But the XXXX, deposited XX/XX/XXXX, was put on a XXXX  day hold and a restriction was placed on my account. I called Chase and they said they needed a number on my uncle so they can verify. The very next day, I provided a number and they verified him. The representative said the restriction would be lifted within XXXX hours but I still have to wait the XXXX days for the check to clear. Alright. On the XXXX day I call just to verify everything is good, and they tell me that, as of that day, the XXXX, theres ANOTHER restriction being placed on the account for the other XXXX checks deposited in XXXX. That was the XXXX time they ever mentioned verification for the other XXXX. Which is crazy that thats legal to do but I guess... So I provide a number that they say they can not verify in the system for XXXX of them, and my other uncle just isnt back from his vacation yet for them to speak to him. But heres the problem.. Today, the XXXX, I call and find out my account is closed. But I was told I had XXXX business days from the date of the restriction for my account to be closed. And they verified that my account shouldve been open from the XXXX with no restrictions because I verified. So my account should not have been closed until the XXXX. At this point they just need to give me my money because this has to be discriminatory.
Product: Debt collection

This is a complaint against XXXX XXXX XXXX because it is violating the law for reporting an account that is under my name, but is fraudulent, that does not belong to me, was opened without my permission and is being reported to the XXXX  XXXX XXXX, by you I want through the CFPB to send you all the documentation that I already sent you via fax 2 months ago and by certified postal mail, they received all the documentation but they threw it in the trash, it means that you do not comply with the federal laws and lack of respect for the law because they violate and ignore this must stop reporting to the credit agencies and remove from your agency this account is a fraud, see if you understand me I have never attended any medical institution in the US, thank XXXX I never get sick, I thank you, please check very well the documents that your colletion office has, As names, social security number, because I am a victim of identity theft and this account is one of the many that unfortunately was opened under my identification according to you. And this situation is affecting my health, my nerves are destroyed because of this, please ask me to answer this via CFPB with a letter from your agency stating that this account has been closed and blocked by fraudulent results and that you request the credit agencies that remove it from my credit, because you already have all the evidence of identity theft and I do not understand why you have not complied with the law of removing it, if you continue to report this account you are violating the law. Now this complait will also be reported to the FTC and other federal agencies so they can comply with the law ; since if for you it was a garbage the report of police, I am obliged to go to all agencies so that you can meet them, for violating the law of reporting fraudulent accounts when all the evidence and documentation necessary to block it has already been given, this same letter requested that it be sent to XXXX so they can stop reporting a fraudulent account that affects my life by identity theft, the law says that when a person is a victim of identity theft the credit agency and the creditor as you are. They continue to report the account and it is not blocked so violating federal law. That account must be eliminated as a duty complying with the 605b law and if it does not violate the law, if you do not know about this section 605B, I recommend that you read it very well and comply, because I will have to go as far as I can. to solve this, I have stolen half of my life due to stress. in this complait I will get you 1-Police Report, Letter of request to block the account for compliance with federal laws, as well as upload the letters, the FTC report and my documents. Sorry for the repetition of this request, I want this complaint to be answered with a formal letter that you can call. Thank you
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 am writing to formally request validation of the debt you have reported on my credit report, as referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of this debt before taking further action. 

Please provide the following Proof that you have the legal right to collect on this debt. 
A detailed account history, including the original creditors name, account number, and the date the debt originated. 
A copy of the agreement or contract that created the obligation to pay. 
A full breakdown of the total amount being claimed, including the principal, interest, and any fees. 

Until this debt is validated, I request that no further collection activities or reporting occur on this account. Additionally, if you are unable to validate the debt, I ask that you cease all collection efforts and remove the account from my credit report. 

I request a response within 30 days of receiving this letter. Please send your response to the address listed above. 
XXXX Thank you for your attention to this matter. I look forward to your prompt reply. 

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

To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within four business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  XXXX - XXXX Your agency is in violation! 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. Delete this at once! 

XXXX XXXX  XXXX. - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX  Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX