23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  inquiries 1. XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 6. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX : Identity Theft Report Proof of identity : [ a copy of my drivers license/Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan # XXXX with Suntrust bank was in a modification status as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Suntrust stating that the mortgage was in default and in order to bring the loan current I would be required to pay {$6800.00} by XX/XX/XXXX. On XX/XX/XXXX I made a payment through Suntrust speed pay for {$4500.00}. On XX/XX/XXXX I made a payment through XXXX for the remaining balance. I have attached the 2 payment receipts below. On XX/XX/XXXX the loan was transferred to another lender. On my credit reports with XXXX and XXXX  they are reporting the account as 90 days late for XXXX, XXXX, and XXXX XXXX. 

I disputed it with Suntrust on XX/XX/XXXX and they denied my request. I am now asking the CFPB to investigate and update the account with the accurate information asap. 

Thank you XXXX XXXX
Product: Payday loan

I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ... 
Thank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements. 

Our hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you. 

Spotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 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. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX 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

- On XX/XX/XXXX, I purchased 1 ticket XXXX {$390.00} XXXX for XXXX XXXX XXXX that is supposed to take place on XX/XX/XXXX, XXXX, XXXX. 
- On XX/XX/XXXX, I purchased 1 ticket XXXX {$520.00} XXXX for XXXX XXXX XXXX that is supposed to take place on XX/XX/XXXX, XXXX, XXXX. 

- On XX/XX/XXXX, due to the pandemic caused by the novel COVID-19 virus, XXXX XXXX XXXX sent out an email " postponing '' the event to XX/XX/XXXX, XXXX, XXXX, which is over 1 year later. I found this to be unreasonable and wanted my money back. 
- On XX/XX/XXXX, I emailed XXXX XXXX XXXX asking for a refund, which they never responded to. I submitted a case using their website. 

- On XX/XX/XXXX, I contacted CitiBank for a dispute due to products not received. CitiBank denied these claims saying that I am responsible because XXXX XXXX XXXX technically did not cancel, but they " postponed '' their event to over 1 year later in XX/XX/XXXX. Although I did not agree with it, I was content with attending in XXXX because I thought I had no other options. 

- On XX/XX/XXXX, I contacted XXXX XXXX XXXX via their email XXXX and inquired about whether or not the event will take place in XXXX, and if it would not, I would like a refund. 
- On XX/XX/XXXX, XXXX XXXX XXXX responded saying that they will release more information soon. The email did not address my request for a refund. 

- On XX/XX/XXXX, XXXX XXXX XXXX " postponed '' the festival to XX/XX/XXXX, XXXX, XXXX. They did not offer refunds. I have not received my purchase for over 2 years at this point. I immediately contacted them through their support page on XX/XX/XXXX to ask for a refund, which they did not respond to. In their new terms of conditions they would like me to agree to, they included a clause that if I accept these terms, I can never get my money back under any circumstances. I refuse to accept these new terms and conditions because I have always wanted my money back. 
- On XX/XX/XXXX, I spoke to XXXX in the Citibank Disputes Department and she helped me reopen both my cases with the new information regarding the event being postponed for another year. 
- On XX/XX/XXXX, I spoke to XXXX in the Citibank Disputes Department and he educated me about faxing my request in. 
- On XX/XX/XXXX, I emailed XXXX XXXX XXXX at XXXX for another refund. 
- On XX/XX/XXXX, XXXX denied my refund even though the event was postponed two years. 
- On XX/XX/XXXX, I called Citi for an update and they instructed me to email the information in. I emailed this information to Citi 's dispute department. 
- On XX/XX/XXXX, Citi responded with a letter stating that they could no longer help me. 

In summary, I have paid for two tickets for an event that was supposed to take place in XX/XX/XXXX. Due to the pandemic, I have not been able to receive the product I purchased for two years. I do not want XXXX XXXX XXXX holding my money for two years, and I have tried multiple times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to ask for a refund, as well as trying to contact Citibank for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.
Product: Credit reporting or other personal consumer reports

Attached PDF file from the FTC with XXXX fraudulent accounts attached that needs to be removed and deleted
Product: Credit card or prepaid card

On XX/XX/XXXX I got a call from Someone from the financial review team of American express. He told me that my card is will be out under financial review due to an additional cardholder laying a XXXX with my credit card account. I was stunned I immediately shut down my additional cardholder due to the lack of responsibility. 
The representative informed me that my account was put on hold and I had till XX/XX/XXXX to submit my documentation. He sent me a link to upload my documents. On XX/XX/XXXX I tried to submit my documentation through the link but it wasn't working. I called American Express and spoke to someone in the same department and she informed me that my account wasn't under financial review and I was good to go, no further action was required. I even made a purchase on XX/XX/XXXX contradictory to what the representative told me that my account was on hold and I wasn't able to purchase anything. I randomly logged into my account on XX/XX/XXXX and I see that my account is suspended and contrary to what the agent told me on XX/XX/XXXX my account was still under financial review. I was frantic and called American express demanding an explanation for this confusion. I spoke to a senior analyst and she told me that this was a mistake on the representative 's behalf and you are still under review. This was a clear misguidance of the financial review team causing me great grief and confusion. ( I ended up staying a long period of time on the phone calling my financial institution since I was traveling and was unable to send the documentation properly ) The agent ended up slashing my credit to ridicules amount and when I told what could you do for me regarding this whole mess your team financial review caused me. She responded nothing she could only apologize. I also spoke to a supervisor and he also told me he is unwilling to help me. American express clearly misguided me through this whole procedure it unethical to give false information to a customer. I have been an immaculate customer for almost 13 years, unfortunately, this is how American express treats its customers. My friend made a mistake and I paid the price because of their policy. Well, the first policy should be not to give false information to customers. Especially in a case so sensitive. It's now time to step up to pay the price to satisfy their customer. It's a 2-way relationship. I could give probably prepared myself better had this not happened.
Product: Debt collection

NCB Management Services violated I the natural person XXXX XXXX by sending me a letter stating that I owe a debt that I have no knowledge of. I have never entered any agreement with NCB Management and there were several violations that were committed on the the letter that I received from them that I will attach. They have went to the extent of reporting this debt to consumer agencies and damaging my report which is illegal and unlawful.
Product: Debt collection

DATE : XX/XX/year> JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt? 
4 ) Please evidence your authorization to do business in my state. 
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. 
7 ) Please show proof of the assignment contract. 
Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. 
I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. 

I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt. 


Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Basically my cash app account I used for the past couple of years were closed without explaining or reasoning. I tried to contact them for the past month but they always say the same thing and NEVER got back to me. This isnt fair and I would like to be able to get my cash app card back because I legitimately did not do anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shows an inaccurate date of opening which differs from the date the original creditor states and they seem to believe this is accurate reporting. This collection account is also being reported as an open account which is not under FCRA compliance and is also inaccurate reporting!
Product: Debt collection

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT CITI XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$240.00} {$240.00} {$240.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX : {$310.00} {$310.00} {$200.00} Credit Limit : {$200.00} {$200.00} {$0.00} Past Due : {$240.00} {$240.00} {$240.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. Charged off account Accounts closed by credit grantor Date Last Active XXXX XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Mortgage

On XX/XX/2024 we received a letter from PNC bank. They suspended access to our Home Equity Line based on credit review and stated that the reason was failure to pay or perform obligation owed to others as evidenced by one or more of the following on our credit report : Non payment Late payment Deliquency... 
Etc. 
All of this is a flat out mistake. We have a 100 % payment record. And can easily prove with a run of our credit. On XX/XX/XXXX I submitted my appeal via fax as per their instructions. They claim to have a 30 day window for response. As of XX/XX/XXXX I heard no response. I called to complain and have been ignored. We provided more information as they asked. XXXX and proof of employment. And they still are ignoring us. They suspended access because of a mistake. They refuse to fix their issue. The closing of the line on our credit reports cost us a XXXX point drop.
Product: Payday loan, title loan, or personal loan

XXXX  charged on a payday loan chapter XXXX bankruptcy is active
Product: Credit card

I am still waiting for a decision on from Citibank on my dispute Subject : Formal Complaint Against XXXX for Misrepresentation and XXXX Customer Service Dear [ Recipient 's Name or Department ], I am writing to formally lodge a complaint against XXXX regarding the handling of my claim and the misrepresentation of the services offered under your extended warranty plan. My experience with your company has been deeply frustrating and has led me to lose trust in the integrity of your services. 

Firstly, I have been repeatedly transferred between different customer service representativeson XXXX occasion, I was transferred XXXX timeswithout ever being able to speak to an adjuster. It is extremely concerning that the adjusters are located in the XXXX, making it nearly impossible to communicate effectively or resolve my issue in a timely manner. 

Furthermore, despite being informed that my repair would be covered, XXXX has failed to honor this commitment. I was left with no choice but to pay for the repair out of pocket, despite it being a valid claim under the terms of the extended warranty. This constitutes a clear case of misrepresentation and fraudulent behavior on the part of XXXX. 

I am requesting immediate reimbursement for the repair costs that should have been covered by my warranty. Additionally, I expect a full review of my claim and the customer service practices that have led to this situation. 

If this matter is not resolved promptly, I will be forced to escalate my complaint to the appropriate consumer protection authorities and consider legal action to recover my losses. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX paid all outstanding balance and closed the account, was told all balances and charges must clear before closing. However, they assessed and charge after account closing. Would not provide information without card number which I did not have since shredding the card because account was closed. I attempted to get information but they require a card number even though I was offering my name, dob, and ssn #. This action has lowered my credit score from high XXXX to low XXXX which I work hard a maintaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  Experian and XXXX  I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well- being and personal security. I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX.