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

On XX/XX/XXXX, I accepted an 0 % balance transfer of {$10000.00} from Citibank associate with my card ending XXXX to pay off another credit card for a fee of {$300.00}. I made the minimum monthly payments in XXXX to keep that interest free until XX/XX/XXXX. In XXXX Citibank sent me an erroneous statement that stated that " Your next Autopayment of {$10000.00} will be deducted from your account on XX/XX/XXXX. My spouse contacted them on XX/XX/XXXX, to pay the bill online but a few minutes after paying the full amount of {$10000.00} realized her error and pursuant to the rules that Citbank has ont he credit card called before XXXX that same day to cancell the payment. She called and cancelled that full payment, spoke to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX, to cancel the payment and he agreed to cancel it but would not give her a confirmation order and would not give her his last name but gave her an employee number. She again called Citibank on XX/XX/XXXX when we received notification the full payment was about to be made form Citibank. She spoke to someone in customer service and was placed on hold for over a half hour. Finlly she was able to speak to a supervisor named XXXX on XX/XX/XXXX and they recognized that the payment was cancelled but refused to stop the payment, claiming they needed to see acknowledgement that the payment was paid. They refused to stop the payment or provide their last names. They refused to provide any reference numbers for the cancellation requests. They refused to stop the payment or deal with us in a financially responsible manner. Their customer service is appalling. We paid {$300.00} for a loan of less than a month and they won't recognize our stop payment request or refund our {$300.00} fee. Its infuriating.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a closed account from my credit report. I have reviewed my credit report and have identified that the closed account information is incorrect and negatively affecting my credit score. The specific reasons for my dispute are as follows : The account was closed in good standing and should not negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that maXXXX exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have found several bad/unknown addresses on my credit report that do not belong to me. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address from my file they are not correct : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX My name is XXXX XXXX XXXX. 

Please delete the following names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've requested that these addresses that doesn't belong to me be removed from my profile. they refuse to do so. this is damaging my character by attaching wrong information to me.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXX/XX/year>
Product: Mortgage

On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this???
Product: Debt collection

NATIONAL CREDIT SYSTEMS INC ACCOUNT NUMBERs : XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONAL CREDIT SYSTEMS XXXX any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONAL CREDIT SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Debt collection

On XX/XX/2018- i submitted a complaint about not having a contract with XXXX XXXX XXXX and never doing business with them- The company sent the following reply- XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Our office is in receipt of the complaint filed by Ms. XXXX XXXX. We greatly appreciate the opportunity to respond. Ms. XXXX indicates she never had a contract with our company. Please note that Ms. XXXX had an account with our creditor-client, who placed the account with our office for collections. Ms. XXXX is however, disputing the account, so we have placed this account on hold and requested verification of the account from our creditor-client. We will send the documentation from our client to Ms. XXXX if and when it is received. Ms. XXXX is also requesting that we remove the account from her credit report, but please be advised that the account has not yet been reported. We trust this resolves your concerns. 

The response was noted on XX/XX/2018- I was not sent any copies of the documents that the company had in their files that was used to verify the claim, today is XX/XX/2018- not even 30 days, yet it is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank that I have an account with is telling me there's something going on with my Social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on Equifax and XXXX. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

My wife and I are seniors in our mid 70 's. On XX/XX/2021 we received a letter from a TRS Recovery Services purporting to be a collection agency asking us to pay {$110.00} for a debt they stated that they purchased from XXXX stores for grocery purchases that XXXX said we made at a XXXX store months prior in XXXX XX/XX/XXXX. They said a check was written by us but for no given reason was never cashed and that we still owed that sum. They quoted our check # XXXX in their rudely written demand. We immediately called our bank, " XXXX '', and found that we, earlier in the year, had used that check number. It was written to our local XXXX store for the amount of {$340.00}. XXXX fraud department sent us a copy of the check which XXXX had cashed the very next day. We have had no missing checks nor any incorrect statements from " XXXX '' for the 12 months prior to the TRS demand for payment. We immediately sent a certified letter to the TRS address attached to their invoice along with a copy of the cashed check written to XXXX. We said they were mistaken and we did not owe them or XXXX anything . We also attempted to call them and/or e-mail them at their listed street address in Georgia and their e-mail address from their original letter without success. Internet research has revealed many complaints about them from other unfortunates who have been made to deal with them. For the last three months we have had several phone demand for payment calls from them, only the first one have we answered. We have had additional requests in writing to pay them as well. To date they have not acknowledged our proof that the check they are quoting was written and cashed by another company nor do we know how they were able to quote one of our actual used check numbers. They stated in one letter to us that if we wished them to investigate their debt claim they would need additional personal information from us, as in Social Security numbers, photos of our Driver 's License front and back, police report, etc. These we would never provide to anyone. Our local overworked and undermanned police department of which our XX/XX/XXXX is an officer does not have time these difficult days to do police reports for every attempt at e-mail fraud that occurs against seniors. We and many others need assistance so that the threats these people make to disrupt our credit ratings can not so easily be accomplished!
Product: Credit reporting or other personal consumer reports

I contacted XXXX because they continue to report incorrect information about 2 old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXX 's online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX had done was send me a note saying I should call EdFinancial. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial has not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost 1 year ago, and in the past year EdFinancial closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

Loan is fraudulent and a down payment was taken when it should not have been. My car insurance was not included in my loan and this is against my UFC code law. UFC -15 1611, UF16-05, UFC16 62. I traded in a car and was not given my right equity for my trade in value. I have the right to rescind these loan on the UFC violations alone. 

I purchased my first vehicle from XXXX XXXX in 2019 ( XXXX XXXX ) which was a fraudulent, i than trade that vehicle in for a 2019 passport which also was a fraudulent contract. 


XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX
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 violates 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

Attn prepaid claims Claim number : XXXX Amount XXXX Bank of America attn : prepaid card operation Here I have attached an addition police report in reference to claim Number : Claim number XXXX
Product: Credit card or prepaid card

On XX/XX/22 someone used my personal information to open a Bank of America XXXX XXXXXXXX credit card.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It XXXX Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$4900.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

As We stated, the GAP coverage was through a third party and we needed documents from BBVA to submit to the Third Party to process the GAP coverage claim. BBVA failed to provide those documents. Why are they still saying that I inquired about GAP coverage through them? Why to date that have not provided the information I requested? This is unbelievable. This file was closed based on a stupid response from BBVA. I advised the reason for my complaint and it still hasn't been fulfilled. This is unbelievable. I had outlined the items that was needed to " PROCESS ' the " GAP '' coverage through the " Third Party '' in my initial complaint, but I see that it wasn't even addressed! Since then! Can someone please help me! I'm being bamboozled here and no one is doing anything about it. Why? Why? Why hasn't BBVA sent the forms that I needed to have the other company process the GAP! Proof of purchase, Manufacturer 's agreement, Bill of Sale, and a copy of the Cancelled check? This is what I asked for and got nothing but a closed response. I have tons of emails with no replies and out of this entire process, I was only able to speak with BBVA when they were trying to secure the check from the insurance  company. I've gone to the bank multiple times and sent emails, but to no avail. This is preposterous and unbelievable! Please call me XXXX or my wife XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I XXXX XXXX XXXX XXXX requested Equifax to update my credit file by adding my DOB, correct name, address, and place of employment to file. There have been several attempts to complete this, however, no mail confirmation of the status being completed. Once I checked the file online, it appears that NO Equaiax account details are listed. 

This issue is causing a GREAT deal of errors, frustration, and delays with correcting my file properly. When I go to a merchant to apply for credit, they tell me they are unable to pull my Equifax file. ( it comes up as fraudulent or improper information entered. ) I have sent a copy of driver 's license and Social to verify my ID. Please correct this as I am unable to get ANY loans due to this. The request fo back to XXXX of XXXX. As of today this is what error message received : I want to file a complaint and also request for suit of damages that has caused such issues and is yet to be resolved. I have had to use my daughter to help assist with creditors to get a major loan ( house ). HELP ME IMMEDIATELY I need a loan for a car and am unable to see the score or file for this company. 

Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXXXXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Product: Debt collection

I was notified by XXXX XXXX that I received derogatory credit reporting. Trans World Systems reported that I owed XXXX to them. 
I called them earlier and they allege that I owed XXXX to XXXX XXXX for services on XX/XX/18. 
They had no information for me on who made the report or what services they allege. 

As far as I am aware, my account with XXXX is in good standing. Further, I am not in receipt of any outstanding invoices from anyone related to my XX/XX/2018 XXXX XXXX.