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

Due to unemployment ( due to Covid19 ), I request payment assistance several times on my Macy charge. Rather than provide deferred payment assistance, Macy 's checked my XXXX credit and decreased my credit limit on XX/XX/XXXX while my account was in a payment deferred status. I requested payment assistance again in XXXX, but it was denied without any option available to assist with payment. Please note that I've never been late on any credit cards including the Macy 's card until Covid19 led to the closing of my company. I've attached a letter that I received from Macy 's after requesting payment assistance and the email reply from Macy 's denying payment assistance in XXXX.
Product: Prepaid card

I received a {$100.00} Vanilla Visa Gift Card as a gift for XXXX in either XXXX or XXXX ( I can't remember which year ). I've had the card in a drawer since I received it. On Monday, XX/XX/XXXX, I took the card out so that I could use it for purchases. The card was in its original packaging. There were no noticeable defects or tears in the packaging. So, I opened the packaging and took the card out. Upon opening the packing and looking at the card, the last two digits of the card number are very clearly scratched off so that they are illegible and unreadable. Since I can't read the last two digits of the card, I can't use the card to make purchases online, I can't check the balance of the card. It was strange that the last two digits were scratched off because the packaging appeared unopened and undisturbed. 
The Vanilla Gift Card website has a link for " Report a Problem. '' I chose the option for " Card Damaged Prior to Opening of Package. '' I was given a case number, and I was directed to send an email to " XXXX '' with my name and the Case number in the subject line, as well as photos. On Monday, XX/XX/XXXX, I sent an email to that email address, and included my name and case number in the subject line. My case number is XXXX. I explained the issue of the last two digits of the card being scratched out. I attached six photos to the email, including photos of the front and back of the card, photos of the packaging ( which I had just opened ), and photos of the terms and conditions of the card.

I received an email back that same day from InComm, requesting that I send photos of the front and back of the card, photos of the packaging, and the purchase receipt for the card. I wrote back on the same day, advising that I had sent photos of the card and packaging in my prior message and asking if they wanted me to provide them again. I let them know that this was a gift to me, so I did not have the purchase receipt. I did not hear back from them, so I sent another email on XX/XX/XXXX, asking for an update. I finally heard back on XX/XX/XXXX, asking for a clear copy of the purchase receipt or an " electronic journal '' from the merchant. I replied back on that same day indicating again that I was unable to obtain a copy of the receipt since this was a gift. I asked how we could proceed forward. I offered to physically bring the card somewhere to prove whatever needs to be proved. I asked them how we can proceed from there, as I don't have access to this {$100.00}, and I am looking for their help. They have not responded to my message. 
This card appears to have been altered by someone. I don't know if any transactions have been done on the card to drain the balance. Either way, I am not able to access the funds on the card and would like to receive a replacement. InComm is not being helpful in assisting with this issue, even though I've provided them with as much information as I have. Meanwhile, they have this money that I don't have access to, or someone has fraudulently used the card after it was purchased/activated before I opened it. I am hoping that InComm will be cooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX disputing that I have never been 30, 60, 90, 120, 150 or 180 days late. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts. If it was to a different address that was not accurate reporting because the address on my credit report should have been the address that they sent their letter to as well, therefore, this account should be deleted off of my credit file.
Product: Checking or savings account

Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Citibank for Blocking Access to Funds and Account Closure Issues Dear CFPB, I am writing to file a formal complaint against Citibank regarding the issues I have encountered with my savings account. I have attempted to transfer the funds electronically, but Citibank has blocked my ability to do so without providing any explanation. This has caused me significant frustration and concern over my access to my own funds, which I believe may be a violation of the Electronic Fund Transfer Act ( EFTA ). 

I have contacted Citibank to resolve the issue and have requested that the full balance of my funds, including any accrued interest, be returned to me in the form of a paper check sent to my address on file. I have also requested that Citibank close my savings account after the funds have been returned. Despite my efforts, I have not been able to resolve this matter directly with the bank.

The resolution I am seeking is as follows : 1. Citibank must promptly return the full balance of my savings account, including any accrued interest, via a paper check mailed to my address on file.

2. Citibank must close my savings account upon the successful transfer of my funds.

3. Citibank must provide an explanation as to why my ability to transfer funds electronically was blocked in the first place.

I would appreciate your assistance in investigating this matter and ensuring that Citibank adheres to its obligations under federal law, particularly the EFTA, which protects consumers rights to access their funds. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX Account XXXX : XXXX
Product: Debt collection

On XX/XX/2022, I sent a validation letter to National Credit Adjusters asking them to validate a collection they reported to my credit report. The company never responded to receiving my letter. Therefore I proceeded to file a complaint with the Consumer Financial Protection Bureau for the company 's unprofessionalism. On XX/XX/2022, the company responded with a letter apologizing for the inconvenience as well as a pdf showing a credit card bill signed by a XXXX XXXX XXXX. In the original letter sent ( attached ) it was clearly stated under the Debt Collector Declaration that certain documentation should be sent as validation. The letter also listed the requested documentation. The company ignored this letter and request. When the complaint was filed, the company quickly responded with XXXX document which was a pdf showing a credit card bill. The bill showed a name and address but no other information validating that this debt belonged to me. Then they proceeded to close the letter out. This does NOT suffice as validation. It is the same tactic that most of these companies use as a quick lazy response to " validate '' a debt to keep them out of trouble. It is not fair to use consumers to have to go through some much heartache to get false unvalidated information from our credit report due to laziness of certain companies. This company either needs to send ALL of the requested validation documentation or remove this collection immediately from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned because my credit report has discrepancies that are continually being reported and damaging my credit score. I have highlighted all these discrepancies. I am being denied credit due to this false information. I have asked Equifax to remove this information but they are ignoring me or sending me correspondence not addressing this matter.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. When attempting to reach out they were not there to effectively assist in canceling unauthorized charges. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I applied for unemployment with the District of Columbia XXXX XXXX XXXX XXXX during a week of furlough. I requested direct deposit for my payment. While waiting to hear if I'd been a approved a debit card arrived from USBANK. The card bore a DC.gov logo and while the letter included standard legalese about opening a new debit line, it contained no information about my XXXX claim. 

I assumed I'd been paid, somehow through this debit system instead of through direct deposit as I requested. It seemed that I'd only be able to check the balance if I activated the card, which I did. 

The balance is XXXX dollars. On further research, it's unclear to me why this card was issued in my name, I did not request it. It seems that DC DOES will not be using it to pay me. Therefore it only opens me up to potential fees or identity fraud. 

I called to cancel the card as was put onto a phone tree. I was told there were over 600 people waiting on line, and it took 7 minutes to get to a place in the phone tree where I could request a call back.
Product: Credit card

When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of XXXX or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove all fraudulent accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. EXPERIAN BUSINESS CRED Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

IN REFERENCE TO : CFPB Case # : XXXX Subject : Demand for Valid Documentation of Alleged Debt Ownership XXXX, I am writing in response to the correspondence received from the Resurgent Inquiry Response ( see attached ) concerning the referenced account ( the " Account '' ) on XX/XX/XXXX. It has come to my attention that LVNV Funding LLC ( " XXXX XXXX Owner '' ) claims ownership of the Account, acquired on XX/XX/XXXX, while Resurgent Capital Services L.PXXXX ( " Resurgent '' ) serves as the Account 's custodian. 

However, the provided documentation fails to substantiate a valid contractual agreement between myself and the purported third-party entity. I demand immediate and conclusive proof demonstrating the legal rights of either of your companies pertaining to any contract I allegedly signed with either company. 

XXXX, it is imperative that you furnish me with concrete evidence establishing the validity of the purported obligation you assert I owe. This includes but is not limited to documentation such as a bill of sale or any other legally binding agreement that substantiates my obligation to pay the purported balance. 

Failure to provide the requested documentation within a reasonable timeframe will be interpreted as an acknowledgment of your inability to validate the claimed debt. 
Accordingly, any further attempts to assert this alleged debt without proper substantiation will be deemed a violation of consumer rights and subject to appropriate legal action. 

I await your prompt response and the provision of the required documentation to resolve this matter expeditiously. 

Sincerely, XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, an unauthorized transaction was made on my XXXX account for {$1900.00} dollars. The transaction was labelled as XXXX XXXX XXXX I did not become aware of the issue until several days later. I reached out to XXXX and my bank about this issue. Chase Bank is in the process of conducting an investigation into the issue. So far the bank has given me provisional credit, but they have not made the funds permanent.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed out a dispute to Equifax regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing. SeeXX/XX/XXXXin attachments below. Equifax received my dispute letter on XX/XX/2024 certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. See XX/XX/XXXX( which also shows the numerous attempts to remedy this dispute ). 
XXXX XXXX XXXX speaks on accuracy of the consumer report XXXX XXXX XX/XX/XXXX speaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct. 
XXXX XXXX XXXX ( XXXX XX/XX/XXXXspeaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information. 
XXXX XXXX XXXX ( XXXX ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph XXXXXX/XX/XXXX by not later than XX/XX/XXXX DAYS after receiving a request from the consumer for that description. 
I requested a description of the disputed items pursuant XXXX XXXX XXXX Equifax failed to respond in the satisfactorily time allotted by law furthermore, Equifax has not responded or sent any correspondence at all to my last dispute letter. 
They have completely disregarded my request in not sending me information requested and also directly violated XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXXXX/XX/XXXXstates that information that can not be verified as accurate or complete must be deleted in XX/XX/XXXX days. 
XX/XX/XXXX Reinvestigations of disputed information ( XXXX ) Reinvestigation required (XX/XX/XXXX In general Subject to subsection (XX/XX/XXXX and except as provided in subsection XX/XX/XXXX, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAREFULLY READ ALL ATTACHEMENTS. PROPER IDENTIFICATION IS ATTACHED. I kindly request the removal of the " collection '' status from my payment history on the accounts mentioned in my letter due to the consumer reporting agencies violating the FCRA of the United States Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} Equifax : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b.They are thereby reporting fraudulent erroenous information.In accordance with the Fair Credit Reporting act my rights are being violated 15 U.S.C 1681 section 602 A. States I have the rights 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 A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Payday loan, title loan, or personal loan

I complained that this company was stealing money from me by not automatically withdrawing payments from my account, as they had for years. They respondded with more lies ( stating they had tried to call us- and we can prove they did not ), and your service stated the case was closed. I paid off the entire balance after calling to see what the ENTIRE BALANCE WOULD BE ON THE NEXT DAY, and sending the check nexy day USPS. The check arrived just as it should have, yet they charged me more money as a late fee.
Product: Debt collection

I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for Experian and then shows it is opened on XX/XX/XXXX for XXXX and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.