23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I received a Cash App debit Visa card in the mail at my address that I did not request. The card and related account were fraudulently opened using my identification. 

I contacted Cash App by phone. They sent an email with a link to share card details. And I responded with the details. 

I also contacted them by mail asking for the card to be cancelled and related accounts closed. I specifically asked to be notified in writing, preferably by paper mail, once the above actions had been completed. I never received any written confirmation. 

I further requested what additional information they could provide on the identity or location of the person ( s ) responsible for the fraud so that I could include this in the report I filed with my local PD. I never received any additional information. 

I reported this fraud incident on the FTC 's IdentityTheft.gov site. To the best of my knowledge, no action was taken by the FTC based on my report. 

Because the card I received was opened by XXXXXXXX XXXX, I also reported the fraud incident to the FDIC. Banks are required by law under the Bank Secrecy Act and USA Patriot Act to have a customer identification policy which ensures that they verify the identity of prospective customers before opening accounts. That clearly had not been done in my case. The FDIC replied and said I should make my complaint against Square Inc. ( owner of Cash App ) with the CFPB. To the best of my knowledge, no action was taken by the FDIC against either XXXXXXXX XXXX or Square Inc. for apparent non-compliance with the XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX ( CO ) Date of First DelinquencyXXXX Amount : {$7600.00} I am aware that under Section 1681e of the ( FCRA ), every consumer reporting agency is.

obligated to maintain reasonable procedures designed to avoid violations of Section 1681c. And to limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Reasons for Dispute : The reported collection account is closed, and I believe it should be updated to reflect its closed status accurately. 
I request verification and validation of the debt, as allowed under the ( FCRA ), including details on the original creditor and the amount owed
Product: Credit card or prepaid card

On XX/XX/XXXX, I upgraded my American Express Delta Platinum card to a Delta Reserve card due to a limited time offer advertised for XXXX bonus miles when you spend {$5000.00} in the first 3 months on the new card. I upgraded due to this offer as I did not think it was worth upgrading to a card with a {$550.00} annual fee without the extra miles offer. 

Upon reaching the {$5000.00} threshold, I was not given the XXXX miles, but instead XXXX on XX/XX/XXXX. I reached out to Amex customer support through their online chat and the rep submitted a ticket. I provided a screenshot showing the screen on their website showing the page where the limited time offer was available ( the same page where you select your new card design ). 

After lack of follow up on my case I reached out multiple times, and a chat rep eventually told me that the welcome offer was declined as there was no such offer running for card upgrades, only new applications. The rep opened a second case, as apparently the screenshot was never attached originally and said I would receive follow up on this issue. 

After reaching out to chat and eventually XXXX support, I was told that after months of attempting to resolve this, I would not be receiving my XXXX offer as they could not confirm it was solicited to me even though I provided screenshots of their own website. The reps provided no additional support after this. 

After speaking with a XXXX rep from XX/XX/XXXX through XX/XX/XXXX, providing a screenshot that includes website and timestamp data on both my ticket on the website and directly through XXXX, American Express did not honor the limited time offer despite the evidence given to them and my attempts to work with them over the course of months.
Product: Credit card or prepaid card

I rented a car at XXXX, XXXX airport location using a chase credit card. 

We rented a car through XXXX ( Confirmation # omitted ) and returned it in same condition - We were charged three times from XXXX. 

Originally, we paid {$1700.00} for rental car and flight through on XX/XX/XXXX. Then, we were charged ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) without our authorization. 

After unsuccessful international calls, we emailed XXXX on XX/XX/XXXX regarding these two charges ; however, we have received no notification from XXXX about these two charges ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). 

I tried really hard to contact them for one month! And finally, I got an email from XXXX in XXXX : " XXXX, XXXX '' Subject : claim : XXXX Date : XXXX XXXX, 2017 at XXXX XXXX EDT > Cc : " Toe, XXXX '' > Dear customer, > Following our investigation, we will refund your excess. 
> Please find attached the refund letter. 
> Please accept our apologies for the inconvenience. 
> Best regards, I will attach the refund letter that I received from XXXX. 

But, Chase investigated since I filed for disputes for the two payments of {$670.00} and {$350.00}. Chase claimed they could not get a hold of enterprise and THEY CAN NOT BY THEIR POLICY STAY ON HOLD FOR A CALL FOR MORE THAN 15 MIN - so they decided to close my case. I think this is really absurd. They are not helping their customers at all. 

I have a refund letter from the person XXXX, XXXX from XXXX, XXXX, who is NOT returning any of my emails about when I am going to receive a refund.
Product: Student loan

I feel that I have continued to make paymentsure and my account is n't decreasing the correct amount. I have the account number and information that I will provide. I am also an  XXXX  and do n't have the income to continue to pay amounts that are n't correct. I owe under {$3000.00} and they are in a lawsuit for this correct issue. I attended school from   XXXX - XXXX   at  XXXX   XXXX  University.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both, Transunion and XXXX report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day. 

The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway? 

Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee. 

This bill belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT.I RECIEVED A RESPONSE BACK FROM EQUIFAX STATING THAT THE LISTING WAS VERIFIED BY THE BANKRUPTCY COURT. I CONTACTED THE COURT AND SPOKE WITH THE COURT CLERK, AND HE INFORMED ME THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. I HAVE A LETTER FROM THE COURT STATING SUCH .EQUIFAX HAS YET TO SUPPLY ANY EVIDENCE OF VERIFICATION. EQUIFAX IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT .THE LISTED BANKRUPTCY ( XXXX ) IS THE ITEM IN QUESTION AND MUST BE REMOVED.
Product: Credit card or prepaid card

I received notification from XXXX on XX/XX/22 that my Target Red Card issued by TD Bank had lowered my credit limit. I immediately called Target since there has been no negative changes on my account nor on any other accounts with any other lenders. With the run around and their representatives giving me false information I threatened to close my account unless they could tell me and honest answer. They representative became condescending, stating that my contract says they can lower my credit line, etc, but the information didnt make sense. He proceeded to say if my account is closed its permanent and I could never have an account again, I said good but stated that I need to understand what happened, he then in the middle of me trying to obtain factual information said I closed your account and there is nothing more he could do, I tried asking follow up questions, asked for an escalation and he said basically no and hung up on me. I called back and spoke to 2 additional representatives who all said they were supervisors on floor that no one else was available that there is no escalations department I could speak to, one finally said she filed a complaint but that no one would call me back, because they cant make calls out. XXXX stated that he cant see notes or documentation on my account. He stated my account is closed permanently, I told him I didnt want my account closed I just wanted answers and wanted to know how they can conduct business this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report the inaccurate and inconsistent information that XXXX and Equifax have reported on my account with the DEPARTMENT OF EDUCATION Acct # XXXX. Despite my multiple notices of disputes, they have failed to correct this information, which is in violation of the Fair Credit Reporting Act & 15 USC 1681i.

According to 15 USC 1681i Experian and Equifax 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. They have failed to do so. 


I have noticed significant discrepancies in the information that they both have reported on this account. Specifically, they both have different open dates for the account, the original balance differs, payment history, and the term length for the account is inconsistent. Lastly after disputing theyre supposed to update the account asDisputed by consumer in which they did not. I am entitled up to {$1000.00} per violation per the FCRA. 

These inaccuracies have caused significant harm to my credit score and have made it difficult for me to obtain credit. Despite my multiple notices of disputes and requests for corrections, they have failed to update the information on my account. 
Therefore, I am requesting that you take immediate action to delete the account on my credit report with the DEPARTMENT OF EDUCATION for multiple violations. 

There failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek compensation for any damages that I have suffered as a result of their violations and poor practices. 

Furthermore, I expect to receive written confirmation of any actions taken by both XXXX and Equifax to correct this matter. I have also filed a complaint to the XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Evidence provided below.
Product: Money transfers

Signed up for secret shopper, got a money order for XXXX followed instructions cashed done shopping then made a money transfer for XXXX to XXXX XXXX XXXX XXXX California XXXX. Two days after get new assignment with monet orders totaling XXXX at which time I got concerned.
Product: Checking or savings account

Hello, Money was being fraudulently withdrawn out of saving. I stated to bank that car was broken into and my money, atm card, and other personal item was stolen. I even gave them the police report for car being broke into. 
I never received a fraud alert or monthly bank helping my be alert of withdrawals until it was to late. Only bank statement I received were for XXXX when I realized money was being taken from me periodically. 

Bank denied my dispute. How can someone steal money from you and bank dont not want to help?
Product: Debt collection

I was contacted at my work number by a man name XXXX XXXX, ( legal name XXXX XXXX XXXX ) working for Nationwide Debt Management. He started off the conversation by not announcing who he was or why he was calling, just that he was looking for a program coordinator and/or the highest person he could get to that worked for my agency. When I asked what it was regarding he said I need to get information about `` XXXX '' ( my maiden name ). At which point I said, well you are speaking to her what can I help you with. That's when the rant started about how I am XXXX  and I owe him money and I need to pay up. That he was going to call the surgeons company I worked for and sue them, take me to court. Call my boss ( XXXX ), and get my information to provide to the court system to garnish my wages. Told me I had plenty of time to take care of this and now because I refuse to make a payment arrangement with him on the phone he is going to take me for everything I am worth and garnish everything. I asked him to stop threatening me and he stated : " I am not threatening you, I'm making you accountable for not paying for more than 2 years on a debt you own and if you don't I will take you to court and sue you for the money. '' At this point I told him I would take down his information and give him a call back when I was in a more private area and he stated : " I know you are not going to call me back because you don't answer your phone calls and you don't pay your bills so why would you call me back. '' I stated to him, well if he wasn't so rude maybe this conversation would go a lot longer, but at any rate give me the phone number. I sat in silence. He then stated ya know the least you could do is acknowledge when I talk to you because a normal human being would do so. I stated : please give me your phone number. He stated : Why, you're not going to call me back, you can't just take care of this now? I then asked for his supervisor. He stated : His name is XXXX XXXX with a XXXX degree. I said and what is your name? He said XXXX XXXX with a XXXX  degree. I said that has nothing to do with anything may I speak to your supervisor. He again stated : I have a XXXX degree, that's right, a XXXX degree and you have nothing and you need to pay your debt. I said ya know what, put someone else on the phone because I'm done talking to you. He said I will give you to XXXX  and she can set up a payment arrangement with you. I said fine and he transferred me to XXXX, whose customer service was better but unwilling to work with me to set up a payment plan. I asked XXXX  to have a supervisor call me and she brushed me off. Then when I told her what I could afford and what I was wiling to do, she told me it was not good enough and that she was going to go after my husband. I said I'll do you one better, and put him on the phone. He and she worked out a payment plan and I still have not heard from any supervisor of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and BBB from other who have run into the same problem as I have with this company. 
I have been calling sending letter and getting zero assistance.

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them. 

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XX/XX/XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an arrangement and kept it to pay off the loan with XXXX XXXX. It is still showing on my credit report as a judgement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late, XXXX XXXX XXXXXXXX days late, XXXX XXXX XXXX days late, XXXX XXXX XXXX XXXX  late and XXXX XXXX XXXX days late. 

A late payment can not be reported as 120 days late in XXXX XXXX XXXX and then reported as 90 days late in XX/XX/. That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I have experienced great mental hardship, and this account is stopping me from refinancing my home. I am in dire straits financially and I am attempting to handle this matter privately, now.

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this account from my consumer report. ACCOUNT : XXXX XXXX XXXX XXXX. Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capitol one auto finance XXXX Cap one auto finance XXXX
Product: Debt collection

I received a notification that I was being sued by Klima, Peters & Daly P.A. for a debt they claim is owed to XXXX XXXX supposedly on the behalf of XXXX XXXX XXXX. The hearing is scheduled for XX/XX/2022. On three separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys three written requests for this information ( one on XX/XX/XXXX, XXXX on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX Funding and the right to defend myself when being wrongfully sued. 


1. Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.
Product: Debt collection

Previously, I noticed the CFPB of my ongoing difficulties to receive prompt identity theft transactions refund payments from with Citibank , N.A . in connection to the CFPB closed Complaint No. XXXX. However, I am requesting The closed complaint to be reactivated or re-opened by the CFPB because Citibank , N.A . failed to timely reimburse me for those Identity Theft unauthorized transactions taken against my cash on deposit at Citibank or Citibank , N.A . from on or about XX/XX/XXXX through XX/XX/XXXX. In lieu of timely refunding me for my unexpected financial losses, Citibank , N.A . closed my interest checking account and other savings account products. However, federal law required Citibank , N.A . to timely refund me for those losses taken against me specific to me being a victim of known identity theft. It is unfair and deceptive business practices for Citibank , N.A . to advertise the VISA {$0.00} liability program for unauthorized Visa debit transactions and also illegal of Citibank , N.A . to disregard federal law. 

Citibank , N.A . Is aware of my past due refund in the amount of {$31000.00}, plus applicable interest ; but Citibank , N.A . replied to the original CFPB complaint and then closed my personal checking account and personal savings accounts in lieu of furnishing amounts due to me. 

I am requesting the CFPB investigate my original and second complaints about Citibank, N.A.s illegal activities made towards me in lieu of the CFPB traditional complaint hand off back to Citibank , N.A . I continue without my past due refund because the CFPB failed to investigate my original complaint, and or the CFPB failed to oversee my identity theft losses were refunded to me by Citibank , N.A . 

To say the least, the CFPB inadequacies in handling my identity theft refund complaint is disheartening to me as a banking consumer.