23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To : Costco Anywhere Visa Business Card by Citi Date : Tuesday / XX/XX/2020 Re : Disputing your response letter dated XX/XX/2020 My initial complaint/dispute was with XXXX XXXX. On XX/XX/2020 this account was closed from their office and returned to you ( Citibank ) per their letter to me. On XX/XX/2020 you responded with information that is incorrect. It is your response to which I am now disputing. I will do my best to tackle this line-by-line so we are clear on this. 
First : that you have CLAIMED to be unauthorized - I am disputing this for this is not a claim, but a solid historical truth. Again, I was a victim of ID theft, and have a police report file to correspond to this. I noticed unauthorized charges on my XXXX account, and they removed the charges FOR the bank account was NOT even mine. Again, from my initial dispute letter to XXXX, the SAME last 4 digits that XXXX said the unauthorized charges came from - are the SAME last 4 digits of this problem. This account is NOT mine. 
Second : OUR RECORDS reflect that you alerted us ( and ) that you logged into Citi Online multiple times - I am disputing this for ( 1 ) What records are these? Are they phone recordings? If yes, then you will have to produce these recorded phone conversations if we must move forward in this. SOMEONE called you as me, but it was NOT me who called you. ( 2 ) Your records say I logged in multiple times. Your online records will show an IP address from where these multiple log-ins came from. I only use my phone and not any computer. So, again, SOMEONE logged in as me from their computer, but it was NOT me from my phone. 
Third : our RECORDS reflect you verified by phoneas well as payments that were made to the account which were returned by your financial institution - I am disputing this for which financial institution do your records show I have? I have only banked at XXXX XXXX, and they have NEVER withdrawn any payments made from me to you. This evidence will clearly show that I, from MY financial institution, have never pulled back any payments made. SOMEONE else did this from THEIR financial institution, but it was NOT me from mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Debt collection

I have been incarcerated for the past 3 and 1/2 years. Now Im trying to get my life together and I find out my credit is XXXX due to some unpaid debt that occurred during my incarceration. I tried disputing it and that didnt work.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple unauthorized transactions on my Cash App account, as well as the ongoing lack of support and resolution from your customer service team. 

Over a period of time, I have experienced several instances where funds were withdrawn from my account without my authorization and transactions were not processed correctly. Despite my repeated efforts to contact Cash Apps customer support, I was met with automated responses, no meaningful resolution, and a complete lack of assistance from a live representative. 

Not only has this caused me significant financial loss, but the stress and frustration of being ignored and left without any support have also caused emotional distress. It is unacceptable for a financial service provider to fail to protect its users from fraudulent activity and then refuse to offer assistance when issues arise. Additionally, I have received threats of account closure rather than solutions to my concerns, which only exacerbates the situation. 

As a loyal user of Cash App, I expect a fair resolution. I am formally requesting : 1. A thorough investigation into the unauthorized transactions on my account.

2. A full refund for any unauthorized charges.

3. Clear communication and accountability from Cash App regarding these issues. 

If this matter is not addressed promptly, I will be left with no choice but to escalate my complaint to consumer protection agencies, such as the Better Business Bureau ( BBB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I hope to avoid further action by resolving this matter amicably. 

Please provide a response within XXXX business days regarding how Cash App intends to address my concerns. I can be reached at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On my wife 's credit card we are being charged a {$38.00} dollar late fee. The supervisor by the name of XXXX refused to give the {$38.00} dollar credit. I then requested a reduction in the APR from 24.65variable. The supervisor stated that this was the best APR! Really? 
Please have an executive of a call center manager review the case and credit the late fee and reduce the APR. We have a combined number of credit cards with Capital one.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent items from my credit report within [ a reasonable time frame, e.g., 10 business days ] of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my credit file : 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 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 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
Product: Credit card

Called number on card to cancel. Was told the fee would be waived if I spent {$1000.00} in 3months and representative said I had 60 days to decide. I tried to cancel but i cant get anyone on the phone that i can understand or hear. Then i saw i was charged a late fee and interest so i paid the minimum to avoid an impact on my credit score and decided i would try against to cancel in a few days.

I called today.

When I called to cancel, I was on hold 15 and then the call was dropped.I called back and was on the phone for 15 minutes and could not hear the representative at all. I was finally transferred to another line and Ive been on hold more than 30 minutes. So far I have been on hold for 59 minutes and Im still waiting for a human being to answer. Now it just said my wait time is less than 15 minutes. 
This is beyond awful customer service. There is no other way to cancel a card other than wait on hold apparently for more than 1 hour.

They have charge me a late fee and interest because I can not get anyone on the phone to cancel this card.

Iam still holding and its now up to 1 hour and 3 minutes.

This seems like a fraudulent business practice geared to increasing fees by getting customers to give up and just pay for a card Someone just answered and i could not hear anything and the person just hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Equifax : XXXX XXXX Balance XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX emailed me informing me that the balance would be waived and all late fee 's would be removed to show the account settled in full as it should have been since XXXX. 

XXXX did their part up until today XX/XX/XXXX, I noticed Experian updated the account as " paid, was a charge off '' and ALL of the late payments are reflecting again. 

This is inaccurate on Experian 's part and I would like for them to resolve this ASAP as XXXX did their diligence and updated XXXX XXXX XXXX to report this. 

See attached new documentation for XXXX XXXX XXXX Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My computer was hacked while I was away from it, they accessed my CoinbasePro and Coinbase accounts and stole all my funds. Total deposits into my account was {$20000.00}, but the value at the time of this theft on XX/XX/XXXX was lower, roughly {$14000.00}. Below are the stolen coin amounts and the addresses they sent to : BTC : XXXX sent to XXXX ETH : XXXX sent to XXXX LTC : XXXX sent to XXXX BCH : XXXX sent to XXXX XRP : XXXX sent to XXXX BSV : XXXX sent to XXXX XTZ : XXXX sent to XXXX They also initiated a transfer of {$12000.00} from my bank checking account into my Coinbase account to attempt to steal that as well, but luckily I was able to call XXXX  XXXX XXXX and do a Stop Payment so the transfer didn't go through. They had to transfer all my funds on CoinbasePro into regular Coinbase to steal my funds without my phone. They accessed both my XXXX and XXXX email accounts, but likely deleted some emails from my Inbox and Trash folders. I tried getting with both XXXX and XXXX but they were unable to recover any lost emails. I do still have a couple emails they left behind for the XXXX, XXXX, and bank transfers, though I doubt those are useful. I still have the laptop, in basically the same state as after the hack, in case that's needed. I have yet to contact my XXXX  ( XXXX XXXX XXXX ) nor XXXX, as I've been waiting to hear back from Coinbase all this time. They've finally gotten back to me basically saying there's not much they can do, but will cooperate with any and all investigations. I can provide screenshots of the criminals ' activity on my machine as well as the actual laptop itself as I said, and I can also provide the full email string with Coinbase which has more details. My fiancee XXXX XXXX was with me that night while the hacking and theft was taking place. I filed Police Report Case # XXXX with my local XXXX XXXX, FL Police Department though I believe they closed it saying there wasn't much they could do. 

As I told Coinbase, thank you very much for your understanding and thorough investigation and attempt to get my funds back please. As you may imagine, I am severely traumatized by this, not just with Coinbase/Pro but in many other ways, as well as my family and friends. I am not some big rich person trading constantly, just a regular guy who bought and was holding as a long-term investment, trying to save to buy a house and for a wedding with my fiancee, I also need a car, and they just stole so much from me. It's embarrassing to sound so pathetic but I am begging for help. 

Sincerely, XXXX XXXX
Product: Debt collection

Van Ru keeps calling me and mailed me a bill I do not owe from XXXX XXXX Hospital XXXX on a patient named XXXX with whom I have no association and have never heard of. I have never been a patient of XXXX. They had my name, address, birthdate, phone number, and possibly more. 
Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car was a lemon in now they trying to say I owe XXXX when they came in got the car in sold it it was to much work needed to be done on the car in I tired getting fix mechanic said was in no reason because the car was old just get this let it go back
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale ( attached ). 

RespectfullyXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX Account 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. I did not authorize anyone to access my report or make these inquiries : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I'm a XXXX currently in practice in XXXX XXXX XXXX Utah. My complaint involves my credit score and what I consider an inappropriate reflection of my score to recent events. Late XXXX ( XXXX ; had inaccurately listed XXXX in prior complaints ) I had made the minimal payment for my student loans in preparation for the Covid-19 pandemic. Every other installment I had essentially " over paid '' to pay down interest and principle ( XXXX each month ). This minimum payment was made on time and in good standing w/ my servicer/lender. Making a minimum payment would result in several of my loans slightly accruing interest ( most by XXXX XXXX of dollars ). I was ok with this trade off as I was trying to save some liquidity in preparation for a global pandemic. I have had colleagues loose their positions or being asked to take significant pay cuts. I more or less was preparing myself for the same potential. Unbenounced to me, the small increases in my loans ( 1 time/interval ; overall trend is still going down ) would result in a 50+-70+ point drop in my credit score. This has in turn impeded my ability to receive a mortgage and I am currently unable to pursue a home I intended to purchase. The government would w/n days of my last payment grant all student loans in deferment to address the pandemic ( illustrating the degree of the matter and justifying my original concerns regarding preserving liquidity ). I feel this situation and my reflected current credit scores are a unfair representation of myself as a borrower and has caused me significant loss in my ability to purchase a new home ( made worse by further losses trying to purchase a home that I no longer qualify for ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX XXXXnquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported CITI CARDS CBNA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, Citi Cards CBNA, XXXX XXXX and XXXX XXXX XXXX  who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm.

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX