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 XXXX 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 opened at XXXX XXXX  on XXXXXXXXunder the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 XXXX  ( 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: Debt collection

Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me XXXX XXXX XXXX XXXX, XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX???? they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too?

I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
Product: Credit card

I have recently had my Master Card Credit card hacked and used to make fraudulent purchases. 
I am writing this letter as recommended by the NH department of justice Consumer Protection & Antitrust Bureau ; When dealing with credit card fraud. I have reported this Citi Bank Master Card. The following is Chronological listing of events. 

XX/XX/23 Six day passes purchased at XXXX XXXX XXXXXXXX CA. for {$380.00} using my Master Card. 

XX/XX/23 XXXX XXXX charge is recorded by Citi Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  to my card XX/XX/23 I notify Citi Bank of this fraud and a new card is issued to me and the {$380.00} charge is reversed pending Citi Banks investigation. 

XX/XX/23 Citi Bank sent me a notice that their investigation is complete and the {$380.00} charge is Reinstated, base on a report submitted by XXXX XXXX. The XXXX XXXX report notes that at the time of purchase, all of the security checks were met. The credit card frauds had the correct credit card #, expiration date, 3digit security code, my address, cell phone #, and email address. At some time and place in the past this information was stolen. 
The {$380.00} charge was reinstated to my account on XXXX 

XX/XX/23 I contacted Citi Bank to again dispute this charge, at their customer service # XXXX XXXX XXXX XXXX. 
They responded by stating it would take up to 90 days for their investigation. 

I also contacted XXXX XXXX at the Ticketing Team at phone # XXXX XXXX XXXX to dispute the charge. 
I spoke with an agent named XXXX ID # XXXX. Since that call they have sent me a written response stating that I need to work this out with Citi Bank Master Card.
Product: Money transfer, virtual currency, or money service

This is kind of a two part problem with BOTH XXXX and CashApp. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through CashApp. I sent it and the person claimed they never got it. So we attempted XXXX, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX XXXX XXXX ) on XXXX and another {$110.00} ( XXXX XXXX XXXX   ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. XXXX and CashApp wont help me. My banks wont help. My XXXX XXXX XXXX claims department recommended me to go through this route. Is there anything you guys can do for me?
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX 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 reporting or other personal consumer reports

Kindly eliminate these queries. I lack any information on this matter, and the company proceeded without seeking my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect account information on my file. Not only is it unfair, its also illegal. 
XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX XXXX was paid {$160.00} for an outstanding bill. XXXX XXXX XXXX is still reporting to my credit file as a collection.
Product: Debt collection

Paragon Revenue Group once again for the 3rd time this year, attempting to collect on another invalid / unverified alleged medical debt that I am unaware of and NO intentions on paying this agency for. 

Pursuant to HIPAA, my personal privacy and medical records should be protected from any 3rd party collection agency to include PARAGON REVENUE GROUP. And if they are in possession of my medical records, then that would be a clear violation of HIPAA. 

The alleged original creditor is : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from Premiere Credit regarding a notice to collect on a debt. I researched this debt and determined the amount owed, {$350.00} was exactly the amount previously forgiven by XXXX. Back in XXXX of XXXX, I received a notice to collect on debt from XXXX. The letter stated that the the amount owed of {$440.00} would be satisfied if I paid 20 % of the balance. On XX/XX/XXXX I paid with a debit card over the phone to XXXX the amount of {$88.00}. On XX/XX/XXXX a letter was issued to me by XXXX that this account was now settled in full. 

I relayed this information to Premiere Credit over the phone, and I was instructed to send any and all documents to them via email. I provided them with the original letter from XXXX, the settlement letter from XXXX, and a copy of my bank statement that shows the payment cleared. 

On XX/XX/XXXX I received a letter from Premiere Credit again asking for me to pay my debt of {$350.00} with copies of the statement from the original creditor ; XXXX XXXX, and 3 Bill of Sale documents labeled as Exhibit 2, Exhibit 2a and another Exhibit 2a. I feel as if they did not review the information/documents I provided to them, and are still attempting to collect on debt already settled by using legal documents to intimidate me into paying what has already been settled and paid in full.
Product: Debt collection

Asked for validation and no response from debt collector. Multiple emails and letters sent without response. Under the FCRA laws they are required to validate this debt with original documentation proving this debt is mine. Otherwise must be removed from all three of my credit reports.
Product: Credit card or prepaid card

Basically nobody want to give refunds for debit cards credit cards are best, the problem is the balances on my account is paid and my credit score has improved well but they dissaprove for ne real reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Debt collection

I went to the hospital sometime in I believe in XX/XX/2013.I didn't have insurance at the time or a job.I specifically told them to not do anything unless I qualify for free care.I applied for free care which they made me do and should have qualified with no problem because there was no income. Why I didn't receive it till this day I have no idea. But it definitely should of been covered. I called way back and told them this and also told them to please do no test unless I have coverage.I assumed that I had free coverage because they ran some tests.I later received a bill for {$5700.00} that was reported to all three credit bureau's.I called and disputed this bill but they have me jumping through hoops every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX. Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : EXPERIAN : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. 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. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Checking or savings account

I am requesting again an investigation into Citibank in regard to a request to them advising me of who cashed a check from my account. A debit was posted to my checking account on XX/XX/20 with the payee of XXXX XXXX. I began receiving bills monthly from XXXX XXXX  and had medication held up due to non payment of my account. After calling Citibank beginning on XX/XX/20 and subsequently 15 times later, they have not advised me where that payment was deposited. They requested on XX/XX/20 that I get a signed affidavit of forgery from XXXX which I tried unsuccessfully many times to get. On XX/XX/20 I sent 3 letters, 1 to XXXX XXXX, 1 to XXXX XXXX and one to the Citi Executive response unit advising them of my efforts to comply with their request and a copy of the signed certified receipt from XXXX proving that they received the affidavit along with copies of emails to XXXX XXXX stating that she received it. I received no response. After speaking to a XXXX, ID # XXXX, I was told there was no record of receipt of my letter. Why can they not tell me who cashed my check and to what account it went to? I will not give up as now I believe that Citibank is somehow involved in this fraud. Please tell me who I can contact next because your intervention has obviously no effect on Citibank responding to such a simple request from one of their millions of middle income clients that keep them afloat.
Product: Credit card

On XX/XX/XXXX I went to XXXX XXXX XXXX. Macys credit card closed my account without my knowledge while I was away. I did not receive any warning. I did not have any balance pending. I called today to get my XXXX benefits applied just to learn that it was closed and has been reported on my credit report. The representative could not tell me why they closed it.
Product: Debt collection

I was being garnished for a total of {$6300.00}. That amount has been paid in full. 

I am still being garnished per Credit Management Control. They told me I had unpaid interest. Interest was already included in the {$6300.00}. 

I asked for documentaion to support the new amount of {$1800.00} they say I owe. They sent me the same Case # document but now have different numbers. 

I asked Credit Management Control back in XX/XX/XXXX they said our balance was {$2800.00} & in XX/XX/2018 they said our balance was {$1600.00}. I have exceeded that amount to date XXXX. There was never any indication or documents that there was more interest they wanted to garnish. 

I have months of e-mails with XXXX XXXX at Credit Management trying to settle this bill since I have paid way more than the {$6300.00} that was owed on the garnishment. 

To date I have been garnished {$7800.00}. I paid {$1400.00} over the amount I was to be garnished- {$6300.00}. 

XXXX XXXX-Credit Management Control said I owed {$1800.00}. 
XXXX XXXX-Credit Management Control said the balance is {$1700.00}. 

I don't know how I'm still being garnished & why there is never documentation that supports all these different balances Credit Management Control keeps sending me.
Product: Credit card

Hi Amex, I am writing to express my frustration and disappointment with the handling of my sign-up bonus points for my Amex XXXX card. Despite numerous communications with your customer service representatives and supervisors, my issue remains unresolved, and I feel that I have been repeatedly misled. 

On XX/XX/2024, I spoke to a supervisor named XXXX regarding the status of my sign-up bonus. Prior to this, I had communicated with other customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, all of whom confirmed that I had a sign-up bonus offer on my Gold card. They assured me that I would receive the points once I hit the minimum spend of {$6000.00}. 

After meeting the required spend, I did not receive my points. Subsequently, I was told by another representative that I did not have an offer. This is particularly frustrating because I clearly remember signing up for the XXXX card due to the banner advertising the sign-up bonus. 

When I spoke to Supervisor XXXX on XX/XX/XXXX, he assured me that he would follow up with the agent and that I would receive my points once I met the {$6000.00} spend. Despite meeting the spend requirement, my points were never added. 

I reached out again on XX/XX/XXXX and XX/XX/XXXX to follow up, speaking to XXXX XXXX on the latter date. XXXX assured me that the points would be added manually when my statement closed on XX/XX/XXXX. This, however, did not happen. 

Each time I reach out to customer service, the regular agents can not see the supervisor notes and provide conflicting information. I have had to repeatedly request to speak to a supervisor and explain my situation from the beginning every time. This lack of communication and consistency has caused significant inconvenience and frustration. 

I am deeply disappointed by the way my case has been handled. I feel that my concerns have not been taken seriously, and I have not been provided with a timely resolution. I demand an urgent review and immediate crediting of my sign-up bonus points for the Amex XXXX XXXX. The inconvenience I have faced due to this issue is unacceptable, and I expect swift action to resolve this matter. 

Thank you for your prompt attention to this complaint. I look forward to your immediate response.
Product: Mortgage

On XX/XX/2021 I applied for a HELOC with Bank of America. My request was not assigned to an underwriter until 8 weeks later. This was advertised as a no cost, no fee, HELOC however on XX/XX/2021 I was directed to a third party provider called XXXX and order an update to the master HOA policy adding BofA as a mortgagee. For this I was required to pay a fee of {$100.00} for a certificate that looked just like the one I provided them from my homeowners association. I went ahead and paid the fee as I thought we were close to closing. On XX/XX/2021 my loan was declined due to " Collateral Does Not Meet Bank Guidelines ''. Shouldn't this have been established through the appraisal process and other means before BofA required me to incur this expense and place them on my polices as a mortgagee? I feel BofA has engaged in unfair and deceptive practices and should reimburse me for the {$100.00} I needlessly spent due to their incompetence.
Product: Credit reporting or other personal consumer reports

Mariner finance. Reporting I owe over XXXX XXXX. They first said I owed XXXX. Now it has doubled and is destroying my credit rating and my life. 
I never applied for a loan. This company sent me a check. I assumed it was for a refund I was owed due to a financial settlement from a class action suit. I never read the fine print, nor did I ever apply for a loan. I want the original amount added to my report. This is the only black mark on my credit. The XXXX is unreachable. Help me settle this.
Product: Payday loan, title loan, or personal loan

Took to much money, saying I was delinquent in my payment 's.