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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account ADRESSES - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX - [ ] XXXX XXXX XXXX XXXX XXXX, IL XXXX Employment - [ ] XXXX XXXX - [ ] XXXX XXXX ACCOUNTS - [ ] XXXX  XXXX AUTO opened XX/XX/XXXX account # XXXX balance : {$2800.00} - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$310.00} - [ ] XXXX bank opened XX/XX/XXXX account # XXXX Balance : {$0.00} - [ ] XXXX XXXX opened XX/XX/XXXX account # XXXX balance : {$0.00} - [ ] XXXX  Tech opened XX/XX/XXXX account # XXXX balance : {$240.00} - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$520.00} COLLECTIONS - [ ] XXXX  XXXX  opened XX/XX/XXXX account # XXXX Balance : {$190.00} - [ ] XXXX  C opened XX/XX/XXXX account # XXXX Balance : {$270.00} - [ ] XXXX  C opened XX/XX/XXXX account # XXXX Balance : {$1300.00} - [ ] XXXX XXXX opened XX/XX/XXXX balance : {$540.00} INQUIRIES - [ ] XXXX XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX XXXX [ ] XXXX  XXXX  XX/XX/XXXX - [ ] XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF LENDING LLC account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit card or prepaid card

I have a XXXX MasterCard issued by US Bank. I have been making monthly payments on it regularly. Recently, as I continued using my credit card I did not realize that I had reached the credit card 's limit. But, instead of declining the card, US Bank allowed the transactions to go over the limit by more than a thousand dollars before stopping. 
Now according the the monthly credit card statement, US Bank wants me to pay the amount over the limit IN FULL and AT ONCE. 

I am able to make monthly minimum payments plus a little extra without a problem, but it seems rather fraudulent that a bank will let your credit card go over and then insist that you pay that whole amount in full. Isnt that the purpose of having a limit on a credit card so it stops when you've reached it? 
There used to be Overdraft Fees by the banks, now it looks that the have brought the same trickery to their Credit Cards too. 

I am a XXXX. I graduated from XXXX XXXX last month and successfully passed my XXXX. Last year or so, I have worked part-time as a XXXX XXXX and have been on the front line of XXXX XXXX along with my fellow brave XXXX. I have worked and studied very hard to get to where I am and having recently graduated, I am looking forward to start working as a XXXX XXXX myself. 
Every one calls us Heroes and thanks us for our sacrifices, but blink or get too busy with your job of helping other people or fail to check your bank statements properly, and fall slightly behind in your payments and there is another financial institution ready to take advantage of you.
Product: Credit card or prepaid card

My Chase Ritz Carlton credit card offers a reimbursement of trusted traveler programs, and I was notified of this benefit when I received my card. It stated that XXXX XXXX, XXXX XXXX, or XXXX  programs are all included in this benefit for a maximum of {$100.00} every 4 years. I used this card for XXXX XXXX which was posted on XX/XX/2023 for {$78.00}. On XX/XX/2023 I notified Chase via Secure Message that I would like to use this benefit and have the charge credited. On XX/XX/2023 I received a message from Chase stating that XXXX XXXX does count toward the credit and it would be applied within six to eight weeks of the charge. After about 10 weeks there was no credit posted and I contacted Chase several times over the next few weeks receiving conflicting info and am now being told that the credit will NOT be applied, that XXXX XXXX is the only program that counts. This goes against the terms I was presented when signing up for this card and the message I received XX/XX/XXXX. Chase needs to honor their agreement and credit the {$78.00} charge as part of this benefit or they can refund the annual fee paid for this card if they wish to violate the agreed-upon terms. I have been offered to use a separate travel credit for this purchase. That is an unacceptable resolution as I have already planned to utilize that credit for other purchases so this would still be costing me an additional {$78.00} that Chase should be covering separately with the trusted traveler program credit. If they wish to no longer have XXXX XXXX  count toward the credit they must notify cardholders first of this change. My most recent communication with Chase via phone has resulted in no additional help. I keep getting transferred between departments over and over with each representative stating they can't do anything about this issue. Bottom line, on XX/XX/XXXX a representative from Chase confirmed that this charge would be credited as part of the trusted traveler program credit. Honor it.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, I noticed inquiries made by 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. I did not authorize anyone employed by these companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If they can not provide me with proof that I authorized them to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from their records. Failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of these companies ' willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit card or prepaid card

I had applied for a card to help  my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on  XXXX   XXXX   XXXX  I receive a letter with WRONG date (  XXXX   XXXX   ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and with my credit union  XXXX   XXXX   XXXX  with limits of  XXXX  and Up.
Product: Checking or savings account

I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concer regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has als allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Money transfer, virtual currency, or money service

I started to use coinbase, made 2 transactions and possible a third, I made a request to double check to see whether I was charged in error and if my funds are there. They locked my account pending investigation. Now close to 2 months I call and they send me to use the email. I sent email they say my case is in work. No human contact what so ever. This is above and beyond. I sent numerous email and they all say the same thing. 
I want my account unlocked or return my {$88.00} dollares. This is way to long. 

Here is what they always say, and I can not reach anyone. WORST COMPANY EVER! 
Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

If you are waiting on a response from the account specialist, please reply to the case number mentioned above in writing. This is to ensure the account specialist working your case is notified.
Product: Debt collection

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) I am writing in response to the debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and request full validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Under 15 U.S.C. 1692g ( b ), I formally request the following information : 1. Proof of Debt Ownership : A signed contract or agreement showing I have a direct legal obligation to XXXX XXXX XXXX. 

2. Chain of Custody : A complete payment history and a detailed breakdown of how the alleged balance of {$990.00} was calculated, including interest and fees. 

3. Proof of Assignment : A copy of the contract between XXXX XXXX XX/XX/XXXXXXXX. and XXXX XXXX XXXX proving the transfer of debt. 

4. Proof of Authorization : Your companys collection license for my state, demonstrating that you are legally permitted to collect debts in my jurisdiction. 



Additionally, under 15 U.S.C. 1681s-2 ( b ), if you are unable to verify this debt with proper documentation, you are required to request its immediate removal from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 



If you can not provide full validation within 30 days, I demand that you cease all collection activities and delete this account from my credit report. Reporting unverifiable or inaccurate debt violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and failure to comply will result in legal action. 



This letter serves as formal notice that I do not consent to phone communication. All correspondence must be in writing. Any further violation of my consumer rights will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 



I expect your written response within 30 days of the date on this letter. 



Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Nordstorm store card substantially reduced my available credit from {$10000.00} to {$1000.00}, without any wrongdoing on my part. This caused a change of my debt to income ratio and drop of the credit score, all while I am in the process of mortgage application. I consider this action a manipulation and unfair treatment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got an alert from XXXX of a new account opened I immediately took action XX/XX/XXXX I called TD retail card services customer service to report an account using my ssn and name had been opened in my name fruadently they has reported it was opened and a purchase was made for over XXXX dollars a charge card I was told purchase had not shipped yet and we can get ahead of this and they were going to block the card I called again a few days later and was told by another customer service rep that the account would be deleted and was confirmed as fraud I'm still carrying a balance of debt on my credit report of an account that's not my account I spoke to another rep today XX/XX/XXXX that told me u was not suppost to bebgiven out any information until case is completed even though i was already told by a previous rep that my case was resolved and account would be deleted all information is give to the investigator that looking into case all information is not correct officer has caught company reporting to my credit with different resolutions and no confirmation for a solution!
Product: Credit card or prepaid card

Due hospitalization and return to work date, I called Capital One ( XX/XX/2022 ) to request a skip pay for XX/XX/XXXX, the skip pay was successfully I was told to wait 24 hours for system to update and it was. On XX/XX/2022, i received a past due email stating I need to make a payment. The first representative placed me on hold for 5 mins then disconnected the call. Second call- I spoke an representative to ask for a supervisor. They transferred me to XXXX XXXXsupervisor and did not want to handle the call so I was transferred back to another department. Ive spoken to XXXX before and she was very argumentative and condescending. I was speaking to her and she dropped call and I talked to another agent. This agent started with my charge, finance charges and payment from XX/XX/2022 which had nothing to with the skip pay. I asked several times with several representatives that does not use their resources to answer the customers questions. The outsourced representatives are more concerned about their Average Handle Time than the customers. I find it very difficult to resolve issue with Capital One customer service. This should have been a 10 mins call which would have helped their AHT. Third Call- I spoke to XXXX XXXX XXXX agent ) that stated I had a past due payment in the amount of {$83.00}. I asked her how can there be a past due payment for XX/XX/2022 when the money due was zeroed out. Instead reviewing the account before answering they provide XXXX transferred me to another supervisor that acted as though he could not hear me when he spoke it was every other word then phone disconnected.