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

There are 70 pages on this attached scan : Pages 1-16 from XX/XX/XXXXI showed citbank how XXXX XXXX XXXX   illegally increased my move after beginning to load my property per 49 CFR 375.401.

Pages 17-20 XX/XX/XXXX was a reply from me to citibank with receipts they asked for.

Pages 21-24 Was me sharing 12 news stories about XXXX XXXX XXXX  onXX/XX/XXXX.

Pages 22-34 from XX/XX/XXXX Was me again explaining to citibank how XXXX XXXX XXXX   illegally increased my move after loading began.

Pages 35-69 from XX/XX/XXXX was me providing citibank with the indictment info about XXXX XXXX, who is the employee of XXXX XXXX XXXX that signed the contract ( yousee it twice in this scan ) citibank keeps showing me I was involved with from XXXX.

Page 70 was the final letter mailed to me from citibank, saying they have declined my third dispute.

On XX/XX/XXXXwhen I called after receiving the above final letter from citibank, I requested a Supervisor, and his name was XXXX. XXXX described to me per the federal guidelines a dispute is only allowed to be opened once and never opened again. XXXX could not explain to me why my charge was allowed to be disputed three times. XXXX  declined to give me any contact information for his, and said this is not allowed. He did however attempt to offer me a {$250.00} credit for citibank incorrectly advising me that I could dispute a charge three times. I declined the credit, and requested he " XXXX '' research all three disputes. He stated he does not do that as part of his job. He stated no one has a job to do this. But he did say he would call me back. On XX/XX/XXXX someone from citibank called me back and left me a voicemail, saying if I have any issue with the resolve of my last dispute to contact them back.

OnXX/XX/XXXX I tried to contact XXXX again, I specifically left a message for him again.

On today XX/XX/XXXX I tried again to contact XXXX, I specifically left a message for him.
Product: Mortgage

I have asked Ocwen for loan payoff release documents i.e. XXXX and they say that because there was no XXXX continuation they did n't have to file a XXXX. 
However, how does my loan receives a lien clearance without this document?
Product: Credit reporting

Experian Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Product: Bank account or service

CitiGold Checking Bait and Switch I signed up for a Citigold Checking account as part of a promotion for XXXX XXXX AAdvantage miles after terms and conditions of promo were met. 
Faxed in their form to open the account and fund it with my Citi AAdvantage Credit card. The funding never happened, so I funded it some other way. Confirmed via phone and Secure Message that I had met the terms and conditions of the promo and separately was eligible for the bonus. Well, after I did all that ( and paid the {$30.00} per month for a checking account ) they said I was never eligible for the bonus and would n't even address the original funding problem. I have gone back and forth with them multiple times to pull my calls from their call recordings for proof of the eligibility as well as offered to submit proof of the funding issue, but have gotten nowhere. Front line reps on the phone tell me to call XXXX, and " submit '' a ticket in which case I get a letter 3-5 days later. I can never talk directly to the group that processes it and ca n't submit proof.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXXXXXX XXXX XXXXXXXX XX/XX/year> TransUnion Basis for Dispute Section XXXX ( XXXX XXXX  XXXX ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Bankruptcy XXXX XXXX XXXX
Product: Debt collection

See attached Cease & Desist and Debt Validation letters for my attempt to resolve this issue.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

fraudulent inquiries continued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My information XXXX have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX XXXX Without Prejudice
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I tried to lock my Experian credit report/file online. But when I selected the option to lock my account I received the following message " Your Experian credit file is unlocked ''. There was a button underneath the statement that said " Upgrade to unlock your file ''. This means I would have to pay to lock my file which I won't due because by law they are supposed to lock my file for free.

when I called Experian Customer service to complain and ask about the problem, I only spoke to a chatbot. I asked the chatbot to speak to a representative but it told me that it's only allowed to put me through to a " Specialist '' under certain circumstances but it wouldn't tell me what the circumstances are! I spent more than half an hour trying to get through to a REAL person but was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my Transunion report and XXXX XXXX XXXX  XXXX and XXXX from XXXX 

Also XXXX is showing a new collection account from XXXX that I have no knowledge of. 

XXXX is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as Transunion and XXXX. XXXX continuously reports late information.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no information about them, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] 1. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the account.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution 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 inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

THE ATTACHED INFORMATION EXPLAINS BETTER. THIS IS A SUMMARY As a veteran with a XXXX XXXX and the single parent of XXXX children with XXXX, it is imperative that I have a vehicle for all of our medical appointments. Due to erroneous banking practices by XXXX XXXX XXXX XXXX which I initially filed a complaint for ( # XXXX XXXX ) and plan to re-file/re-open, I was late on a couple of payments with Capital One Auto Finance and tried several times to make payment arrangements via refinancing, lower monthly payment request, extra payments per month, and automatic deduction via their website. Unfortunately, to date, I received no response from Capital One Auto Finance until Monday,XX/XX/XXXX, four days after they repossessed the vehicle. My payments were $ XXXX+ per month for a XXXX XXXX XXXX total price $ 26,000+. I paid on time and ahead of schedule until activities by XXXX XXXX XXXX XXXX broke my record. As a XXXX veteran, I know that there are laws to protect us from fraudulent activities and unfair charges by companies and I am researching what else I can do. In the interim I would like the vehicle to be returned and all of the extra charges and fees to get it back dropped by Capital One Auto Finance. I am in desperate need of transportation and pray that this can be handled at your earliest convenience. Your website will only accommodate less than 10mb of information so I will send the rest via certified mail today. Thank for any assistance/information that you are able to provide.
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. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$39000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$21000.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX M Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX UNI Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, Transunion and XXXX to remove XXXX  XXXX  XXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed XXXX {$120000.00}, XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX XXXX Owed : {$2700.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my reports, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached document TransUnion, XXXX, and XXXX are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does lexis nexis say they have no record of this information in their record.