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

In XXXX of XXXX, I called to ask that my card be frozen/ replaced because I had lost it. At the time, they agreed and freeze the card so that no payments went though. 
However, because I had moved, it was difficult to get me the new card because I needed to update my address, but needed the new card to do that. It was all a bit silly, but since the card was frozen, I thought that was the end of that. 

A few months later, In XXXX, I see charges again, and I call to complain. They said that those were subscriptions and somehow circumnavigated the card freeze. I paid that off and demanded that they cancel the card such that no more charges could go through. If one of my subscriptions stopped working, they would ask me for an updated card. 

A month or so later, I saw more charges from XXXX, and called to complain for a third time. They apologized and agreed to cancel the card. The last problem at the beginning of XXXX. 

6 months later, I get charged again, but as I no longer track this card ( believing that CHASE has kept their word and closed the account ), I did not realize this until I started getting texts and emails saying that there was something wrong with my card. I downloaded the app, to confirm my account was closed, and found to my frustration an additional charge as well as a late fee and interest fee. 

I paid off the charge, but called to complain for the FOURTH time, since no charges were supposed to occur on this card that I have not had since XXXX of last year. 

They promised again that they account would be closed but refused to waive the fees they applied to the card despite them only occurring because they repeated broke their promise to close my account. 

At this point it feels like they are engaged in some sort of scheme to keep the account open so that I get charges and fees. I am not seeking government help in getting this company to close my account. 

If I need to go to court and file a small claim against them over the fees I will, but this all seems absurd, and I would prefer to leave on somewhat more amiable terms.
Product: Debt collection

Professional Account Management continues to try to collect a debt from two " unpaid parking tickets '' on behalf of the XXXX Government, which are invalid. These two parking tickets were paid in 2016, and the checks that I sent to the DC government at that time were cashed : one for {$40.00}, and one for {$50.00}. In one instance, DC sent me a notice that the amount they received was not received on time and wanted to collect even more money from me. I contacted them with the bank information showing that it was cashed within their time frame, and had that false claim removed. However, both tickets still appear as " unpaid '' according to Professional Account Management, with a notice I received in a letter on Friday.
<P/> I have contacted them ( Professional Account Management ) in the past with the phone number provided in a different letter ( ( XXXX ) XXXX ) which reflected a different amount, and told them this is false information ; however, they argued about it on the phone, and have again sent another letter, this time the amounts are increased.
<P/>
Also, in this letter, it shows only one citation number, but then shows that additional money is due (? ). It reads as such : account # : Citation # : XXXX Amount Due : {$60.00} Amount Due all citations : {$130.00} They then threaten enforcement activity by impoundment of a vehicle if there are " two or more delinquent citations. '' That 's convenient - is that why they are trying to collect on multiple amounts with only one cited?
<P/>
Either the XXXX  Government is committing fraud/extortion, or Professional Account Management is committing fraud/extortion. Either way, there needs to be some federal intervention of this phony debt, and the collection agency 's collection practices. I do not intend to pay either party any more money.
Product: Credit reporting or other personal consumer reports

Credit company said they would set up a hardship on my account and even set up automatic withdrawals for the account with intentions of keeping account in good standing lowering apr during duration of hardship program as long as no payments were missed. I got a call from collections saying I was past due so I paid full balance then I pulled my credit report showing Im past due XXXX billings I called the company they said the person never put me on a hardship plan I asked why they said they are not sure but continued taking payments from my account with deceptive and false intent I called numerous times asking them to pull the phone calls to show me proof to fix the issue and every manager I spoke with refused to help
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

I have a credit card account with Comenity. I checked my XXXX credit report on XX/XX/2022. Comenity has not updated the balance on my credit card since XX/XX/2022.
Product: Debt collection

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair credit reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MA XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS XXXX XXXX $
Product: Credit reporting

XXXX credit card reporting a charge off and outstanding balance on my credit reports. XXXX and equifax. I have disputed info it was deleted and reinserted. Now showing balance due. This account was discharged in BK XXXX 2011. Company reports charge off and due as of XXXX 2011. Account should be deleted from my file and not reinserted this has happened approx. 3 times. XXXX refuses to report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan for a car and the car was totaled out XX/XX/2017 and it's on my credit report as a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated denials for  XXXX    XXXX   cash checking account. The reason are stating Chex systems has something blocking an approval for their checking account. Chex systems customer service has stated their is no derogatory information and that I have a clear report.  XXXX   XXXX  stated to apply again and denied again for the same reason Chex systems. My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXXXXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Hello So, several days ago I received two money transfers being withdrawn from my bank account. One from my savings account ( I NEVER have given my savings account number to anyone ) and one from my checking ( of which I dont give out either but to pay bills like insurance, cable, etc ) So two fraudulent charges came out of my XXXX XXXX account to Moneylion. I have no idea what moneylion is. So I called about the charges and XXXX XXXX took care of the reversals. Great. But today ( XX/XX/2021 ) i recieved a debit card for a Moneylion account! I did not open a money lion account! Ive contacted Moneylion several times and no response!! They are terrible! Please help me close their account they are allowing hackers to open accounts with fake names. Thank you for your time.
Product: Credit card or prepaid card

Credit Card Issuer, Citibank, on a VISA  / Coscto Credit Card, ( hereinafter, " Citibank Visa, '' ) utilizes deceptive, false and misleading information in their billing statements because Citibank VISA plainly and unambiguously states in their printed section, " When Your Payment Will be Credited '' that accompanies the cardholder 's monthly billing statement that " If we receive your payment in proper from ( * ) at our processing facility by XXXX local time there, it will be credited as of that day. '' However, in this instant case, Citibank Visa placed a ( XXXX ) day hold on the payment and " credit '' was not provided to the cardholder despite the written statement that payment would be " credited as of that day. '' Subsequent investigation and disclosure by several Citibank Visa supervisors " XXXX '' and " XXXX '' revealed that Citibank 's use of the word " credit '' did not mean that the funds were available to the cardholder and that Citibank reserved the right, in their discretion, to place up to ( 14 ) day hold on any payment it received. Citibank further argued that the Citibank Visa Credit Card Agreement Terms and Conditions states that such ( 14 ) day holds are disclosed to the cardholder. The essence of this complaint is that even if Citibank Visa reserves the right to place ( 14 ) day holds on payments received by the Cardholder, such ( 14 ) day hold should be fully disclosed in the Citibank monthly billing statement and Citibank 's current language indicating that the cardholder 's payment " will be credited as of that day, '' should be deleted as indicating the the payment " will be credited as of that day '' is false, misleading and deceptive to the cardholder.

As a cardholder, I discussed this complaint with Citibank Visa on ( 3 ) separate occasions with ( 5 ) different Citibank employees : ( " XXXX, '' XXXX, '' " XXXX, '' " XXXX, '' and " XXXX, '' including at least ( 2 ) supervisors ). Each Citibank Visa employee indicated that when Citibank Visa states that it has issued the cardholder a " credit, '' for payment received, such credit is conditional subject to Citibank Visa policies which are clearly not disclosed to the cardholder in the cardholder 's monthly statement ; furthermore, the failure by Citibank Visa to disclose that such " credit '' is actually conditional is false, deceptive and misleading to the cardholder.

Note : ( * ) Proper form is defined as the payment not being made in cash, properly addressed and such payment references the account number and other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$56000.00} - Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., 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. 

Please Note : 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. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXXXXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts on my part to rectify this matter, the fraudulent entries persist, causing significant distress and harm to my financial well-being. This complaint serves as a formal notification of the ongoing issue and my expectation for an immediate and effective resolution. 

I discovered unauthorized and fraudulent items listed on my credit report, which have had a detrimental impact on my credit score and financial standing. Upon discovering these discrepancies, I promptly took action to dispute the fraudulent entries by following the established procedures outlined by 3 Credit Bureaus Despite submitting all necessary documentation, including police reports, affidavits, and supporting evidence, the fraudulent items remain on my credit report. I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. 

The persistence of these fraudulent items not only damages my creditworthiness but also undermines my trust in the integrity of the credit reporting system. As a victim of identity theft, I am entitled to prompt and thorough resolution of this matter to mitigate the adverse effects on my financial stability and reputation. 

I demand immediate action to address the following : The immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the fraudulent entries, including but not limited to, financial losses, increased interest rates, and emotional distress. 
Failure to resolve this matter promptly will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and pursue legal action to seek redress for the damages suffered. 

I urge you to take this complaint seriously and prioritize the resolution of this matter without further delay. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.
Product: Debt collection

Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!
Product: Mortgage

I purchased a XXXX home loan from XXXX XXXX XXXX XXXX in XXXX XXXX, made payments constantly until crash of XX/XX/XXXX, missed 5 payments in a row. during the time I was unemployed my mortgage servicer transferred from XXXX to XXXX. XXXX, sent me, as they have done others, a package for modification of a loan, and upon filing the paperwork out, and also being employed again, XXXX systematically and continually denied a home loan modification or refinance option. XXXX, due to bad publicity and muilti-state claims sold the loan to XXXX, who have continually done the same thing. Over 30 faxes, and over 25 emails, my account has been locked accoring to an XXXX representative attending a home free usa workshop, two months ago. All XXXX has done is rack up interest, penalty, debt without offering and approving either a modification, refinance, or allow payments to be made on the loan. Over $ XXXX in interest and penalty. XXXX refers homeowners to government agencies such as XXXX XXXX XXXX, who take all of your information, and resubmit your information back to XXXX! 

How many others have experienced this level of fraud!