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

Subject : Disputed Fraudulent Transactions- Citicards : XXXX {$89.00} and XXXX {$88.00} XXXX  Citicards very difficult to deal with - I purchased 2 products on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These were samples with no disclosure of any on-going orders or commitments. 

I then noticed that I was charged for two new / different products on XX/XX/XXXX ( XXXX XXXX XXXX {$88.00} ) and XX/XX/XXXX for ( XXXX XXXX   XXXX  {$89.00} ). 
Ive been a cardholder with Citicards since XXXX. I contacted Citicards online site to dispute these charges on XX/XX/XXXX since I did not order them, never received these products and did not commit to any obligation to an auto ship program. 

I believe these were fraudulent charges against my credit card likely from the same vendor. However, the Citicards online site to dispute these charges did not allow me to properly describe my complaint as a fraudulent charge for products never received. I did not believe I should be responsible for canceling an order I never placed and never received. 

Since I never ordered these or ever received these they can not provide any proof of delivery or a signature for the order or receipt. They just use the same card information that I provided to the original vendor / order. 
Im very frustrated that companies can use someones credit cards information and fraudulently bill people for additional products never ordered or ever shipped and CitiCards lets them get away with it.

Citicards is declining my dispute claiming I didnt cancel the order before the vendors auto ship deadline. I now have {$170.00} on my credit card and have spent significant time and effort trying to resolve this. 
Therefore, I need to raise this to someone who can thoroughly investigate and resolve this matter with Citicards. 

Vendor making fraudulent charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca
Product: Debt collection

This furniture company is refusing to remove this collection although it has been reported closed and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been disputing incorrect items on my report. I was told an investigation was being conducted but items weren't deleted off my report while the investigation took place and I never received correspondence of who they spoke to or any information I requested. I sent all letters certified mail and got confirmation they were received. They keep " updating '' the account but it is still reporting incorrect information and they won't correct and delete these items. These negative incorrect items has prevented me from obtaining credit to purchase a home and obtain credit. I never get any documentation of requested information, just a copy of my credit report. The collection accounts have be proven to be reporting fraudulent or incorrect, they were delted but the collection company sold it to another company, and it should back up on my credit report and no one is really investigating my disputes. Just updating what is already on there, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, and XXXX, XXXX-told me on several occasions that they investigated this matter but it still listed on my credit report as XXXX . I had gap insurance on this vehicle I no longer owe them, which the company has cashed out on. 
XXXX-Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting balances on my accounts that are not accurate.    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  - No Balance Citicards - No Balance  XXXX  - No Balance  XXXX    XXXX   - No Balance  XXXX  Derogatory Public Record
Product: Debt collection

I had a XXXX year contract with XXXX XXXX beginning XX/XX/XXXX. I switched carriers, I ported my numbers to XXXX in XXXX or XX/XX/XXXX. This is well outside my two year obligation. I never signed another contract or extension with XXXX XXXX. I never received any bill from XXXX XXXX after my number was ported. The first that I knew that they had charged me an early cancellation fee was when their collection agency sent me a letter and a bill. XXXX XXXX wo n't speak with me because they say its been turned over to collections. I spoke with diversified, the collection company and they just say " I owe ''. I wrote them and asked for any contract and or bills. They only provided the early termination charges/bill, they did not produce any written contract from XXXX XXXX. I know that I was out of contract and within my right to change carriers. None of the involved parties wants to work to fix the problem. Please help.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with IC Systems, XXXX XXXX  this debt is not mine. I have enclosed proof of my identity and a copy of my FTC 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 notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a XXXX  that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors 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 : 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 : Inform I C SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXX
Product: Vehicle loan or lease

The lease from Mercedes Benz is showing as an active account. This lease ended back in 2018 and this account status should be updated to closed. I have had no luck in having the account updated by Mercedes and I need this to be correct as it is having an adverse effect on me and my family.
Product: Credit reporting or other personal consumer reports

Recently ILooked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate. 
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
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB regarding personal data exposure and negative credit records Summary of the Situation : Dear CFPB Representatives : I am submitting this complaint to request an investigation following a security breach in which XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) failed to adequately protect my personal information. According to XXXX, on XX/XX/year>, a third party gained unauthorized access through the XXXX software, affecting thousands of customers and exposing sensitive data, including my name, address, date of birth, Social Security number, and bank account number. This failure to protect my information has caused significant vulnerability in my credit history and increases the risk that negative information on my report may be inaccurate or impacted by unauthorized activity. 

Legal Argumentation : Violation of the Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Under this law, financial institutions must implement strict security measures to protect customers ' personal data. XXXX did not meet this obligation, exposing me to risks and compromising the accuracy of the information reported on my credit report. 
Privacy Rule : XXXX  was obligated to promptly notify me about how it protected my information, and its failure to do so directly affects the validity of the negative records reported.

Violation of the Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) - Right to Accurate Information : Due to this data breach, the negative information reported by XXXX  may be inaccurate. This section requires that all information be accurate and verifiable.

Section 1681s-2 ( b ) - Obligation of Information Furnishers : The law requires creditors to verify the accuracy of information before reporting it. Given that XXXX acknowledged the exposure of my data, they may not have met this requirement.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Section 1692e - Prohibition of False or Misleading Representation : Any negative representation reported without adequate protection of my data could be considered misleading and may not accurately reflect my actual credit situation. 
Request for Investigation and Correction : I request that the CFPB investigate this case and determine the accuracy of the negative information reported by XXXX  on my credit. I also ask that these negative records be removed due to the failure to protect my personal data and the vulnerabilities created by its exposure. I trust that the CFPB can ensure my credit report is fair and accurately reflects my history without errors caused by negligence beyond my control. 

Thank you for your attention, and I look forward to a prompt response that protects my rights as a consumer. 

This complaint emphasizes XXXX 's failure to fulfill its legal responsibilities and requests an investigation to ensure that your credit report reflects fair and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX-30 Creditor : XXXX XXXX Late dates : XXXX-60, XXXX-30 XXXX XXXX Late dates : XXXX-30 XXXX XXXX Late dates:XXXX-60, XX/XX/XXXX-30 Past Due : {$220.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this XXXXomplaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Money transfer, virtual currency, or money service

I requested a XXXX  demo of an online app but did NOT authorize opening an account and did NOT authorize any transactions to the account. I received an email today that states I have been bill approximately {$72.00}. I have not been able to contact XXXX. I did file a customer support ticket with XXXX online and have not had a response. 

Because XXXX states it is affiliated with Chase Bank by being a Chase Bank company I called Chase Bank and was told they know nothing about XXXX  and were not able to assist me.
Product: Credit reporting or other personal consumer reports

Data breach in Bureaus caused fraud and inquiries on my reports
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] \ [ Your Address ] \ [ City, State, ZIP Code ] \ [ Date ] [ Credit Bureau Name ] \ [ Address of Credit Bureau ] \ [ City, State, ZIP Code ] Re : Formal Dispute and Notice of Violation of 15 U.S.C. 1681o To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S.C. 1681o, regarding your negligent noncompliance with your legal obligations. I am bringing to your immediate attention inaccuracies in my credit report that require immediate correction. 

# # # Disputed Items : [ XXXX XXXX XXXX Account # XXXX Amount \ {$850.00} XXXX XXXX XXXX Account # XXXX Amount \ {$810.00} XXXX XXXX XXXX Account # XXXX Amount \ {$4100.00} ] # # # Basis for Dispute : The items listed above are inaccurate, unverifiable, and/or outdated. You are obligated under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving this dispute. Failure to do so constitutes a violation of federal law. 

# # # Your Legal Obligations : 1. **Under 15 U.S.C. 1681i** You are required to reinvestigate disputed information promptly, verify its accuracy, or delete it from my report.

2. **Under 15 U.S.C. 1681o** Negligent failure to comply with your obligations makes you liable for actual damages sustained as a result, along with costs and attorneys fees. 

# # # Demand for Action : You must take the following actions within 30 days : 1. Conduct a full reinvestigation of the disputed items.

2. Provide a written response detailing the results of your investigation.

3. Correct or delete any unverifiable, inaccurate, or outdated information.

4. Provide me with a free copy of my updated credit report.

# # # Notice of Intent to Pursue Legal Action : Should you fail to comply with these legal obligations, I will have no choice but to pursue all available legal remedies. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or initiating a lawsuit to seek damages, costs, and attorneys fees as outlined in 15 U.S.C. 1681o.

This letter is not only a formal dispute but also notice of your liability should you fail to comply. Negligence in fulfilling your statutory duties will not be tolerated.

I expect your prompt attention to this matter and a written response within the legally mandated timeframe. Failure to comply will confirm your disregard for consumer rights, leaving me no choice but to escalate this matter further.

Sincerely, [ Your Full Name ] \ [ Last Four Digits of Social Security Number ] \ [ Date of Birth ] \ [ Email Address ] \ [ Phone Number ] **Enclosures : ** - Copy of my government-issued ID - Proof of address ( utility bill or similar )
Product: Debt collection

M husband has been going to this practice for about two years. The staff and the office manager have reported t their collection agency teh wrong balance without providing them proof of the debt fully. On XX/XX/XXXX there was no calls nor correspondence in writing that we had an upcoming appointment with XXXX XXXX XXXX. our phone number had changed in XX/XX/XXXX. 
I tried to talk to the office manager several times and she was not willing and very agressive short of cussing me out. to correct the amount of the bill. I paid XXXX to the XXXX location office in XX/XX/XXXX. That is the only way that he could have been seen the last visit that I take care of the past due amount of XXXX. Mr. XXXX can not read nor write very well at all. I handle all of the financial matters. The office manager told the staff to hang up on me if I called. The charges of XXXX, XXXX, XXXX dollars are totally incorrect and according to the Fair Debt Collection Act are in dispute. 

Right now Mr. XXXX is very ill with onl XXXX XXXX XXXX XXXX. 
Again we had no written notice of an upcoming appointment. Within a ear anything can happen. They failed to put anything in writing to our postal address before this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted NCTUE about obtaining a copy of my credit report due to identity theft. The company did not send me the report. 

I sent my letter and proof of identity theft, my drivers license with ssn, and a utility bill. The company responded by asking me for my personal information. This is a violation. 

I will included copies of my original letter and their response.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXXXXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXXXXXX ] are not complete and accurate I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number # XXXX XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed bya consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

And one more thing according to 15 USC 1681s-2 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XX/XX/XXXX and payment was due on the account in XX/XX/XXXX. Payment was made on XX/XX/XXXX for XX/XX/XXXX 's payment due. Student loan company, XXXX, processed the payment and applied it to my account. A few weeks later I was noticed via Transunion credit monitoring that my account with XXXX had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. XXXX did not correct the issue. Furthermore, I have attempted to call XXXX on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.