23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The citi dividend world mastercard had offerd a 5 % cash back on purchases made in XX/XX/XXXX, XXXX and XX/XX/XXXX, ending XXXX/XXXX/2015. 
I purchased XXXX airline ticket for {$910.00} on XXXX/XXXX/2015 and another XXXX on XXXX 2015 for {$1000.00}. Both payments were charged on citi dividend world mastercard and the tikets were issued exactly on the dates when the payments were made on citi dividendworld mastercard. 
Upon reviewing the monthly statement, I noticed that the citi dividend world mastercard did not honor their 5 % cash back reward offer. I contacted the the above-mentioned company immediately and received a response from the customer service team saying since the charges were posted after the XXXX/XXXX/2015 offer end date, they do not qualify for the reward. 
The airline tickets were purchased on XX/XX/XXXX and XXXX/XXXX/2015. 
CitiBank 's offer neither mentioned any posting dates nor I do have any knowledge of the airlines billing practices. I do n't believe it matters on my end either. 
I humbly request citibank to honor their offer and reimburse me 5 % cash back for the total of {$1900.00} which is {$98.00}.
Product: Debt collection

I did not own this debt, I dispute it before and it was remove from my account, and it reappear in my account again, I have ask for validation of the debt they refuse to valid account. Now they place it on my credit bureau coursing my credit to drop.
Product: Credit reporting or other personal consumer reports

I just got a copy of my credit report and some accounts on my credit report are incomplete, inaccurate which is a violation of XXXX XXXX ( XXXX ) I've filed complaint about the below consumers below and it shows that XXXX, Equifax, and XXXX continues to ignore my complaints. I'm not liable for this debt with : XXXX. XXXX XXXX XXXX XXXX- {$2000.00} - Date Opened XX/XX/XXXX Not mineXXXX. XXXXXXXX XXXX XXXX XXXX  Account XXXX - {$1100.00}, Date Opened XX/XX/XXXX Negative ( Old ) Past 7 years Not mine XXXX. XXXX XXXX Account XXXX {$22000.00} Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} has showing as a negative on my credit report. 
I did not have a contract with the collection agencies XXXX, Equifax, or XXXX. They did not provide me with a original contract as requested on numerous occasions. 
Correction to my credit report is needed ASAP! I DEMAND these accounts be removed from my credit report. I will have my attorney contact each credit agency for scamming me and causing me hardship due to their bad and risky behaviors. I've already tried to fix the problems with each credit bureau for improper use of my credit report. In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy under XXXX XXXX XXXX. Neither credit reporting agency listed above have provided me with the investigators names as to who investigated my complaints previously. They have only caused me more hardship by ignoring my complaints and not answering my previous questions and providing evidence in their practices They have not provided me with a written letter where I signed giving neither credit bureau my written consent to place any items on my credit report Neither how they come up with accurately of items in which they have listed on my credit reports? I have been waiting for 5 months and have not received written response to my questions.DEMAND DELETION of ALL accounts listed with 14 days. TO include removal of names that are not mine that I have requested removal of for over 5 months. I do not want any items that I do not give consent to either credit reporting agency to be placed on my credit report!! I have made every effort to resolve inaccurate, inconsistent, and untimely reporting of items placed on my credit report. Due to the negligent behavior practices of the credit reporting agencies this has caused me hardship, stress, and burden to my family which has left me unable to provide housing for my family, unable to provide dependable transportation for work, unable to get medical care that my family is in need of, I am unable to get credit cards, credit and this has taken a tole on my families day-to-day living because of inaccurate items and names and addresses placed on my credit report.!!!! My name should list as XXXX XXXX, Only address should be XXXX Mt XXXX XXXXXXXX XXXX, AL XXXX. I want ALL items removed as I have tried for over 5 months to cooperate and have the negative items removed from my credit report which have violated my rights to privacy and violation of the Fair Credit Reporting ACT XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered today and last week that when calling XXXX or XXXX or XXXX these creditors talk as if they are confused about their job purposely this purpose dizzy conversation holds me on the phone until the civilians come and use my information to tap into my phone I've paid one of the civilians to learn that they have my full information filing loans I went opportune and canceled One loan today two individuals male and female came as a XXXX employee held me on the phone talking as if she didn't understand when I gave a full clear understanding over and over this resulted in my Wi-Fi coming on my Bluetooth coming on and the phone being disconnected and me having to call back and give my information again in public there is employees on the inside working with civilians on the outside I experienced this more than once
Product: Checking or savings account

Bank of America is ripping off consumers with return check fees. BOA wont pay a check for {$100.00}, but they will pay one for {$15.00}. My payroll direct deposit goes into my BOA account every 2 weeks, over {$2000.00}. Even if a deposit comes in while my check or payment is pending, BOA still returns my transactions and say there is insufficient funds. For example on XX/XX/XXXX there were 2 transactions pending. On XX/XX/XXXX a deposit went into my account foe {$4300.00}. On XX/XX/XXXX both transaction was pending at XXXX. On XX/XX/XXXX they issued a credit for the {$100.00} and {$200.00} and said my account had insufficient funds, and charged my account {$35.00} for each transaction. XX/XX/XXXX my account charged {$35.00}, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. It is not good customer service for BOA to be charge customer these fees with a pandemic going on, and customers are struggling.
Product: Credit reporting or other personal consumer reports

The accounts are proven to be mines when i am a victim of identity theft needs to be removed. I have provided to you guys a active police report in regards of my identity being stolen and no one is seeming to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
Product: Mortgage

Three mortgage payments were taken out of my account today by my servicer, Nationstar dba Mr. Copper. I received no communication from the servicer regarding this error. Not sure if my account was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for Experian : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX XXXXutility XXXXl XXXX installment { Listed incorrectly as a chargeoff } XXXX XXXX-installment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card XXXX listed incorrectly as a chargeoff }
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I contacted the  XXXX  credit reporting agencies, Equifax,  XXXX , and  XXXX  to ask to remove only the dispute for   XXXX    acct per my lender request. Equifax is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by Equifax. The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once Equifax did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. Equifax has not updated my credit report in three months. Equifax is in voliation of FTC laws governing my credit file. Equifax has not provided documention for any of my recent disputes.
Product: Payday loan, title loan, or personal loan

They are misleading and very intrusive with there buisness I have not paid the first payment nor will I make any payment they are accessing all my private info on my phone and accessing info and charging people way more then what the items are worth and making transactions that are not agreed upon cause they are misleading and disguising there fraudulent scheme through there agreement policy.
Product: Debt collection

They have called me XXXX times within a XXXX  day period. Often times they would call XXXX times in a row. I was previously with XXXX  and then XXXX was sold to them for them to handle debts. If SST was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and XXXX never did this. I was drawn to the easy use of the website of XXXX and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$44.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$44.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

Received the attached letter in regards to    XXXX   XXXX   . The amount in question is from an account I am unfamiliar with. Also, the amount allegedly owed is an amount that will not equate to any billing amount I ever received. Also, this letter is insinuating I allegedly had  XXXX  separate  XXXX   XXXX  accounts, which I beg to differ.
Product: Debt collection

I settled a debt from an XXXX XXXX account in the amount of {$160.00} for {$84.00} with Franklin Service , INC out of XXXX, XXXX XXXX XX/XX/2023. They sent be a confirmation of settlement for the stated amount on XX/XX/XXXX to confirm the resolution of this debt at the agreed amount. 

I have been harassed by phone and email from a different debt collection company, XXXX XXXX XXXX in XXXX XXXX, regarding this same debt from XXXX. I have sent them proof that this debt has been resolved but they have refused to accept my confirmation of settlement from Franklin Service , INC. I should not have two debt collection companies trying to collect the same debt from me, especially when the debt has been resolved properly with proof from my bank and Franklin Service , Inc. Please see the attached documents for this complaint.
Product: Credit reporting

I have submitted several disputes and letters to Transunion regarding inaccurate information they are reporting on my credit file for XXXX and XXXX XXXX XXXX Credit Card. I have sent them proof from my bank showing timely payment being made on both accounts going back to 2015 yet they have n't responded to any of my letters. The inaccurate information has caused my credit score to drop and I want it removed ASAP!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely measures to prevent and address fraud on their platform and 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 and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

This company is a scam. I purchased furniture in XXXX. Paid it off in 101 days. They removed my contract off XXXX so I couldnt access it. This company also keep stealing my credit info off of a visa website. This company also charge my XXXX XXXX  account with a name that dont even exists or related to the companys name.
Product: Debt collection

I received a notifications from XXXX  XXXX also XXXX  that I have a collection notice from National Credit Adjust ( NCA ). This company hasn't notified me of this debt before flagging my credit report I have no knowledge of this debt and who is the original debt collector. Have reported this inquiry as fraud. the amount of the debt reported is {$420.00} that this company haven't contacted me for me to dispute this account I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Subject : Collection/Charge off Account # : XXXX To whom it may concern. 
Going over my credit report ( s ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). I require a response, on point, in writing ( a statement under penalty of perjury included ), hand signed, and in a timely manner. If I get a pointless letter from you saying that account has already been " verified '', or your firm can not or chooses not to respond to this VALIDATION demand and its conditions, then there will be no more opportunity for negotiation, I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities.
Product: Debt collection

The Best Service Company, a collection agency, sent me a letter in the mail stating I owed a debt for {$10.00}. I mailed the company a letter for removal of account from my credit reports and a check for {$10.00}. I received a letter after a few weeks that they could not process the payment and that I needed to call them, they included the check I mailed them. I decided to send them a money order for {$10.00} and a letter for removal of the account from my credit reports. I just received another letter in the mail stating they could not process the payment and that I needed to call them, they included the money order I mailed. I believe the company is purposely rejecting my payment methods to get me to call them so they can attempt to extort money from me for more than the debt costs and/or to keep a closed collection account on my credit report to purposely hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX  ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX  both accounts, XXXXXXXX XXXX, and XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

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

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.
Product: Credit card

XXXX issued me an American Express Card which I never received nor activated the card. American Express has turned their annual fees over to collections and have filed it on my credit report. I never received an American Express and the card that they claim was issued has never been activated. I need my credit repaired by American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, This notice is in response to Experian furnishing my personal information from XXXX XXXX XXXX  on my credit report without my permission on XX/XX/2022. I never gave Experian written instruction to furnish any of my personal information on my credit report, in violation of 15 USC 1681b ( 2 ) consumer reporting agencies can only furnish a consumer report in accordance with written instruction. Experian responded to my complaint by saying they investigated this dispute by verifying the information from, XXXX XXXX XXXX. This investigation is to be done through personal interviews with my neighbors, friends, or associates and NOT specific factual evidence on my consumer record obtained directly from a creditor, XXXX XXXX XXXX violation of 15 USC 1681a ( e ) definition of an investigative consumer report. 
Pursuant to 15 USC 1681 congress found that credit reporting agencies assumed this vital role and must exercise their grave responsibility with fairness, impartiality, and respect for my privacy. In addition, Experian is reporting transactions or experiences between myself, XXXX XXXX, and the company, XXXX XXXX XXXX violation of 15 USC 1681a ( d ) ( 2 ) ( i ) a consumer report exclusions. Pursuant to Experians policy, Experian also obtains my personal information from other Experian companies ( affiliates ), in violation of 15 USC 1681a ( d ) ( 2 ) ( ii ) consumer report exclusions. I demand that Experian remove the information reporting in regards to XXXX XXXX XXXX immediately and cease and desist all communications through all mediums with any third party company in regards to my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Sent the company a letter displaying violations that were committed of their behalf