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

All activities occurring between XX/XX/2018 to XX/XX/2018 on my business credit card account are fraudulent activities. 

I informed Citibank of the fraudulent activities as soon as they were noted on XX/XX/18, prior to several of the transactions posting to the account allowing enough time for Citibank to freeze the account but they did not. 

I contacted Citibank on numerous occasions over the phone in regards to the fraudulent activities as well as talked on the phone with a representative from Citibank, the car rental company posting a charge, XXXX, and this charge was reversed but I was never given any information as to why it was reversed. 

Citibank reversed several other charges that was disputed during this time period, but would not reverse other charges that occurred during the same time period. 

I have requested on more than one occasion that Citibank provide me with all the details of their investigation into this matter including the phone conversation regarding a car rental transaction that Citibank later stated was fraudulent, all discovery and any information that they obtained during their investigation. They will not supply me with any of this information. 

I have discovered that I was a victim of identity thief during this same period and I had fraudulent activities on this account similar to other fraudulent activities noted on my other credit card accounts during the same period of XX/XX/2018 to XX/XX/2018. There were even 2 credit card accounts opened in my name during this period of time. 

I have filed a police report in regards to all the fraudulent charges made from XX/XX/2018 to XX/XX/2018 on this account but Citibank is not assisting in any way with the matter. 

This account has been closed to prevent any further fraudulent activities.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair business practices, which I believe 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, Cash App 's dispute resolution process was unfair and deceptive. The company did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, both of which are designed to protect consumers from fraudulent transactions and ensure fair resolution of disputes. 

These actions have caused me significant inconvenience and financial loss. I am seeking appropriate redress for these violations, including compensation for the damages I have incurred and corrective actions to prevent such issues from occurring again in the future. 

I would appreciate it if you could investigate this matter thoroughly and take the necessary steps to address my concerns. I look forward to a prompt resolution.
Product: Credit card or prepaid card

I was given a {$2000.00} limit American Express Credit Card ( Blue Sky Miles ) in XXXX, shortly there after I was XXXX with the military, severely injured and unable to make payments, I told XXXX this, explained the situation, provided documentation, and they put my credit card into collections, even after I provided them with documentation of military service and XXXXt XXXX relating to the injury, it has since destroyed my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We opened an HELOC in XXXX. 
We wrote two checks against it, dated XX/XX/XXXX & XX/XX/XXXX. 
It was payments for purchases/services. They were not cash advances.

HELOC 's apparently are very different, so the cash advance designation remained.

We were making payments on that obligation. 

Then, I got diagnosed XXXX. My remaining life expectancy was 6 months to 2 years. XXXX has no cure to this day, expect a XXXX transplant. My chances for a transplant were negligible. It was 'first come first serve '' operation and I was at the end of a very long line. What saved me was a new law ( XXXX, XXXX XXXX XXXX XXXX  ) passed in XXXX which altered how transplant recipients were prioritized. I was XXXX at the time, and otherwise healthy. I jumped in front of the line based on the XXXX. I am a blessed man. 

I underwent a XXXX XXXXXXXX transplant in XX/XX/XXXX. Post-transplant life has been extremely gratifying, and equally challenging. Recovery has been even more challenging due to chronic rejection. 

It took years before I was able to get back to my wordily affairs. I was startled to see our HELOC balance at {$99000.00} on statement dated XX/XX/XXXX. We had made every payment since XXXX and expected the balance to be much lower. Since, I have been requesting information from PNC about why our balance is so high. It took years but it was identified that that there were two additional checks written on XX/XX/XXXX and XX/XX/XXXX. Both were listed as " Convenience Check XXXX MI ''. We did not write those checks. We have been asking for years if we can get copies of those checks. We have not missed a payment. This morning ( XX/XX/XXXX ) we received a call form PNC representative to discuss the issue. He concluded the conversation by stating that PNC is only obligated to provide copies of the documents for 7 years so they will not provide us the check copies. Also, if we stopped making payments, they will take us to collection. 

We have all supporting documentation, if needed. Please advise if you can help us in resolving this matter. Thank You.
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 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 XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, 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 XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

This Debt was resolved and removed from all XXXX  Credit agency back in XXXX. Now this year the Collection was put back. 

Company- Portfolio Recovery CFPB Case number- XXXX Please Removed from all my Credit Report.
Product: Checking or savings account

Dear Sir/Madam, since summer XXXX, i.e. for over XXXX mts by now, I have been trying to close my checking as well as savings accounts with XXXX Chase in the U.S. - with a total balance of USD XXXX - to terminate my relationship with the bank. I am an overseas XXXX customer and over this period have both a ) tried to resolve this personally with XXXX Chase in the U.S. in over 50 calls! 
b ) have raised several complaints with XXXX Chase, the last one dated XXXX XX/XX/XXXX with XXXX from the Escalation Team,, complaints ref. XXXX who requested/instructed me to send my closing instructions, including notarised documents, to XXXX Chase in Texas. I did as requested by registered/recorded mail on XXXX XX/XX/XXXX ( see my letter incl notarised documents as first attachment ). Please note that XXXX Chase refuse to give me an email contact, let alone a personal ( complaints ' team ) contact, to try to resolve this. I have only the general phone nbr given on my bank statements. 
c ) However, I never received any closing confirmation, nor my funds ( despite XXXX in XXXX confirming to me that my documents were received on XXXX XXXX ). I made several additional calls to XXXX Chase in XXXX and XXXX, only to be told that my documents were not received, that they were not willing to escalate this further, and them suggesting NO solution whatsoever how I can close my accounts and receive my funds! 
d ) Please note that I have waited for over XXXX mts / until today XXXX XXXX since there seem to be serious delays in receiving any mail from XXXX Chase in XXXX, if any : over the last XXXX mts several monthly statements have been missing, and the last statement I got is dated XXXX XX/XX/XXXX which I only received yesterday / XXXX XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I filed my disputes with my XXXX credit bureaus and never heard anything and I filed in XXXX
Product: Money transfer, virtual currency, or money service

I got scammed out of XXXX around XX/XX/year> and somebody hacked my acct and transferred it to there acct. I never authorized that transaction or wasnt aware of it
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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

SOMEONE STOLE MY PERSOANL INFORMATION AND OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2013 AMT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with Flagship Credit Acceptance in XXXX of XXXX. The vehicle was totaled in XXXX of XXXX. From XXXX until now I have been in contact with Flagship multiple times each month trying to work through the claims with insurance and GAP. Not once during any of these phone calls did any repress mention that there were two payments that needed to be paid that insurance and gap would not be covering. Today I spoke with them yet again after pulling my credit and finding that not only have they not applied the insurance and gap checks to my account ( they received and cashed the insurance check several months ago and the gap check last month ) so they are still showing a {$29000.00} balance but they are also showing multiple missed payments. I told the representative that I would pay the two payments that they are claiming I owe even after the settlements were received but that I would not accept all of these missed payments on my credit. I was told there is nothing that they can do. Today they claim to have sent a letter about still needing to make payments while they awaited the settlements, and although I have told them each phone over the past several months that they have my address wrong, no one ever updated it ( they continue to show the state as California and not South Carolina where I live ) so I have never received any correspondence from them. I am a XXXX XXXX veteran and was in the middle of getting a VA loan to purchase a home for my family and due to their erroneous reporting and refusal to make it right I am no longer able to.
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. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, Experian and XXXX. So my first step was to log into XXXX   's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with Experian nor XXXX. Upon completing the XXXX segment the software skipped right over Experian and went directly to XXXX. After the XXXX credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the XXXX credit report I was kicked out of the system with no apparent way back into XXXX
Product: Debt collection

RESURGENT/LVNV FUNDING has an account on my credit hat is not mine
Product: Mortgage

On XXXX XXXX XXXX and I were traveling home and attempted to make payments on the mortgage before XXXX to avoid a 30-day late negative on our credit report. We have documentation where we paid the mortgage past due amount on XX/XX/ but was operating on PST time. We were not aware this time difference would cause our mortgage to be 30 days late. I am XXXX and have just recently finished XXXX school. We have previous conversations with Freedom Mortgage about options to get a forbearance. XXXX and I was able to make the payment ON Freedom Mortgage 's website when we were able to receive service at the XXXX XXXX ON XX/XX/ from our bank that was released from our bank on XXXX The time on my phone shows the payment was made at XXXX EST and XXXX PST ( while the location was in PST ). Due to the confusion regarding timelines in which payments are posted, our credit has taken a significant hit. We were planning on refinancing later or taking out a HELOC but will no longer be able to do this due to the negative reporting of 30 days late. May there be a review of our account and a one time exception to not have this payment considered late? We have documentation of our travel, time of actual payment and payment releasing from our bank account. Thank you for this consideration.
Product: Mortgage

I have been trying to get a loan modification for over XXXX yes with Phh mortgage. I have been submitting the requested documents and the underwriting dept continue to give me the run around like asking for documents that have already been submitted, stating I did not turn in documents by the due date and their representative states I did. On XXXX22 I received a letter stating that my application is complete then oXXXX XXXX-22 I receive a letter stating they needed a completed financial form. Makes no sense. Then I am asked to complete another application which I have done about XXXX times in the past 2 years. Very stressful unfair treatment. Please help!
Product: Mortgage

We were sued by XXXX XXXX Bank on XX/XX/XXXX by the attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX, CA for a title issue that had existed since we refinanced with XXXX XXXX back in XXXX. There was an error in the way title was registered during this refinance. Since both XXXX XXXX and their title company, XXXX XXXX XXXX no longer exists, their is no title insurance company to manage this issue on our behalf. The law suit identifies XXXX allegations with title impropriety as the primary issue. They allege that by taking title in our individual names and then placing title in our Trust we some how placed XXXX XXXX Bank into a secondary lien holder position. It was never our intent to deceive or circumvent paying them when we sell or refinance. We contend that XXXX XXXX Bank could have taken a less heavy handed approach to correct this title error. New documents could have been provided with a letter explaining the oversight and what is required to put things in order. Instead, we have had to engage counsel to protect our property in interest costing us over {$15000.00} to date. 

We reached out to the XXXX XXXX XXXX Recorder, State of California Insurance Commissioner with no success in engaging their assistance or involvement. 

We contend that we never had any intention of not paying XXXX XXXX Bank the mortgage we entered into and welcome resolving this issue at the earliest date possible. We also contend that we are not the only clients who are facing this type of litigation since it places our property into a liz pendens status ( pre-foreclosure ) which places additional financial strain on us and our resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance is currently reporting an account with inaccurate information on all three of my credit reports. The last payment on this account was made in XX/XX/XXXX. However multiple erroneous dates of last payment are listed on credit reports, including : Last payment date as reported to XXXX XXXX : XX/XX/XXXX Last payment date as reported to XXXX : XX/XX/XXXX Given the last payment ever made on this account was XX/XX/XXXX, I filed disputes with XXXX, XXXX XXXX and XXXX. To which Flagship Credit Acceptance verified this erroneous information as accurate. 

My next step was to file a dispute directly with Flagship Credit Acceptance, which was done via certified letter in XX/XX/XXXX. Again, upon reviewing my latest credit reports, it appears Flagship Credit Acceptance has verified this erroneous information as being accurate yet again.
Product: Checking or savings account

I received 3 email from Money Lion on Saturday evening that a checking account had been opened and a debit card had been ordered. I did not open an account with this bank. I tried to contact the bank but was unable to and could not close the account via the app or website.