23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear XXXX, I am writing to bring to your attention a concerning issue regarding my Citi credit card account and the XXXX Account Number feature provided by Citi. 

On XXXX, I deactivated a XXXX  Account Number ( XXXX ) created with Citi, which was used for a trial with the merchant XXXX. Despite deactivating the account and setting a hard limit of XXXX, Citi allowed XXXX to process charges after the deactivation date and in excess of the preset limit. This directly contradicts the assurances of account privacy, security, and user control promised by Citi through the XXXX Account Number feature. 

Specifically, there are XXXX charges totaling XXXX, dated XXXX, XXXX, XXXX and XXXX. All XXXX charges were incurred after the account deactivation date and exceeded the set limit. This situation represents a breach of contract and false promises made to the user. 

Therefore, I am formally requesting a refund for these unauthorized charges. I trust that Citi will promptly address this matter and take appropriate action to rectify the situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion - Consumer Solutions. XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX XXXX XXXX XXXX I don't recognize this lender and account Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize this lender and account. 
Please remove this inaccurate information from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Its a open account from XX/XX/2021 for XXXX in its not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was the company that did the credit inquiry. The credit inquiry was based on receiving a vehicle I wanted to do a build for. It was contingent on doing business with the car dealership on providing a build to the manufacturer. I was advised it may take a while to receive but they could deliver. However I found out the following day they couldnt deliver and didnt have allocations to order the vehicle. That wasnt what was discussed, and the credit check was solely for the purchase of ordering the truck. If they couldnt order it and didnt have the criteria to, then my credit being checked was invalid. I do understand that the salesperson may not have known they didnt have the allocations, however that was the only reason my credit was ran. So if the vehicle cant be ordered or delivered I want the inquiry removed off my credit report as it was no purpose to check or run it without the dealership being able to deliver a vehicle I requested. In all fairness they agreed to give me a letter to provide Transunion to ok the removal of the inquiry. Then a head manager decided that he didnt want to allow the other manager or supervisor to do it. Now I have a inquiry on my report for no reason and points from my credit report reduced. Its been almost a month and I still have no confirmation that the truck build was able to be requested.
Product: Credit reporting or other personal consumer reports

For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. XXXX, XXXX, and Transunion are credit reporting business agencies, who have the duty to protect consumers privacy. According to the Family Educational Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. XXXX, Transunion, and XXXX are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX Account xxxx XXXX I am writing to you to request your understanding and support during these unprecedented times. The COVID-19 pandemic has caused financial difficulties for many people, including myself, and I was struggling to keep up with my payments. 
I called to make sure you were aware that I was affected by covid -19 per the cares act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) I want to assure you that I am committed to meeting my financial obligations, but due to the impact of the pandemic. 

I am reaching out to you in the hope that you can show some leniency and understanding towards my situation. I am requesting that you consider removing the late payments from my account per the cares act. 

I hope that you will take into account the extenuating circumstances surrounding the pandemic and the hardships it has caused. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

Homepoint Financial corp is unwilling to pay my insurance through escrow. My insurance is about to lapsebecause they can't do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXL XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX / XXXX, has violated my rights 1

5 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: Debt collection

I received a phone call this morning from  XXXX . I did not talk to her, but her voicemail stated that she was a "   XXXX   XXXX   '', although it seems irrelevant and I 'll explain why later. She needed me to contact her immediately so legal action would n't escalate any further. She did not say what it was about, what it was for, what the amount I allegedly owed was, who was the debt from, no details just threats.
A few minutes later, my girlfriend gets a call from  XXXX  for the same issues. This time it was an " Agent  XXXX  '' who called. This time she gave a case number as if this meant something.
After this, I went to  XXXX  because whenever I get a phone call from a number I do n't know, this is the first place I go.   XXXX   is a website filled with victims of phone scams and harassment from debt collectors. As it turns out, I 'm not the only one who got the call. It appears that "   XXXX   XXXX   '' or " Agent  XXXX  '' or whatever name she uses or whatever company she claims to be working with has been trying to scam people since  XXXX .
Any debt that I had was taken care of years ago. The only debt I have is with a credit card, and that 's current and being paid. This was not the first time that I went through this so I 'm fairly certain that this phone call is a scam ; a shakedown. If someone were threatening me to take me to court or whatever, I would receive it in the form of a letter or a summons which I never got.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

While I made every effort to pay my debts and fulfill my responsibilities, in this instance Rausch Sturm was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " XXXX XXXX XXXX '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )
Product: Debt collection

I am requesting the removal of this account from my credit report, as it currently displays a balance of {$0.00}. Additionally, I urge the inclusion of legislation that safeguards me, as an American, against debt collectors. Account details are as follows : Account # : XXXX Status : Closed Credit Limit : {$200.00} High Balance : {$300.00} Payment Amount : {$0.00} Last Payment : XX/XX/XXXXXXXX  Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Coll/Chargeoff Past Due : {$0.00} Worst Rating : Remarks : Payment after charge off/collection Paid profit and loss Completed : XX/XX/XXXXXXXX  Don't Remember Being Late : I have no recollection of ever being late with a payment on this account. Kindly furnish statements and records of all payments made and missed since the inception of this account.
Product: Debt collection

XXXX XXXX Hospital sent me to collection for XXXX that I do n't owe them. I tried to contact them to have them send me a contract stating why owe them when they were taking money out of my account every month.I gave the dog away and they still thought I was suppose to pay them for a dog I no longer had I want a contract stating I owe this amount with my signature I want this account removed from my account IC Systems XXXX XXXX 2016, is the collection agency I want removed
Product: Debt collection

Concerns Regarding Collection Practices Under 18 USC 894 I believe that the below agency may violate certain provisions under 18 USC 894, which pertain to extortionate credit transactions. 
LVNV Funding ( a ) Anyone who knowingly engages in or conspires to participate in the use of extortionate means : ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be subject to fines under this title or imprisonment for a term not exceeding 20 years, or both.

( b ) In any prosecution under this section, to establish an implicit threat as a means of collection, evidence may be presented indicating that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat is alleged, collected or attempted to be collected through extortionate means, or that the non-repayment thereof was punished through extortionate means.

( c ) In any prosecution under this section, if the evidence is introduced indicating the existence, at the time the relevant extension of credit was made, of circumstances described in section 892 ( b ) ( 1 ) or section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor regarding the creditor 's collection practices is unavailable, then, to demonstrate that words or other means of communication used as a means of the collection did carry an express or implicit threat, the court may, at its discretion, allow evidence to be presented indicating the reputation of the defendant in any community to which the person against whom the alleged threat was made belonged at the time of the collection or attempt at collection. These agencies have violated my rights and continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2nd case TransUnion, Also stated there company will respond back to me within 60 days. Each and every complaint, that's recorded on file with TransUnion, the company have Always replied, that it would take up to 60 days ignoring Any FCRA Rule on time limits or providing a response back in 5 days per FCRA. THIS MATTER US NOT NEW, AND SHOULD NOT TAKE 2 MONTHS. THEREFORE, TRANSUNION, CONTINUE TO VIOLATE MY FCRA RIGHTS. I WILL BEGIN FILING A LAWSUIT THIS WEEK AGAINST TRANSUNION VIOLATION OF MY RIGHTS.. I'M AWARE OF MY RIGHTS AND TRANSUNION, NEGLECTFULLY VIOLATES MY FCRA RIGHTS AND RULES. THIS IS A DELIBERATE ACKNOWLEDGEMENT OF TRANSUNION MAKING THERE OWN RULES FOR THE CONSUMER. I HAVE EXHAUSTED ALL TOLERANCE, IN FOLLOWING THE FCRA RULES IN DISPUTING THE SAME EXISTING INACCURACY WITH TRANSUNION. This dispute matter is unacceptable for a 60 day turnaround time frame. The FCRA, time frame is 30 days, with some exception to extend to 45 days. Written Communication must be submitted to the consumer 5 days from the date dispute is received.
Product: Debt collection

Date reported was XX/XX/XXXX. My credit was affected XX/XX/XXXX. I called national recovery 3 times but have gotten disconnected every time. National recovery is trying to collect {$690.00} for a medical collection that I have never been aware of. Also I feel this was either fraud or part of the XXXX data breach.
Product: Credit reporting or other personal consumer reports

I submitted dispute letters to credit bureau requesting proof of account. XXXX did not provide original contract. XXXX responded with account being verified, which incorrect.
Product: Credit card or prepaid card

New Complaint! 
Since my prior Complaint I have been the victim of identity theft, reported to the police! 
There are charges on my statement I didn't incur and our fraudulent! 
Further, I purchased items at XXXX I was supposed to receive a discount as a XXXX XXXX Card holder, I never received!
Product: Credit card

XXXX XXXX took out multiple credit cards and loans on mine and my family 's name without our knowledge, consent or authorization. We discovered this when we reviewed our credit reports XX/XX/XXXX. We have called the fraud departments of all credit cards and loan lenders and started a fraud investigation. We have called the FBI and XXXX  XXXX. We have filed a police report with our local police department. 

The following credit cards were taken out on my name without my consent, knowledge or authorization. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX for {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX for {$2000.00} XXXX XXXX opened XX/XX/XXXX for {$3300.00} XXXX. XXXX opened XX/XX/XXXX for {$2100.00} The following loan was taken out on my name without my consent, knowledge or authorization : XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for {$34000.00}
Product: Credit reporting

I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments
Product: Money transfer, virtual currency, or money service

Yes I'm writing this complaint on behalf of myself and my fiance which we have been customers for years even when it was first XXXX on XX/XX/XXXX we were defrauded out of XXXX from my Huntington bank account through a zelle app which is connected to my account. after searching and saving for a place to rent! 4 months and a half on XX/XX/XXXX XX/XX/XXXX XXXX XXXX. I was contacted buy a person claiming to be the landlord of the property at XXXX XXXX XXXX XXXX and they were willing and ready to rent it out at that time .after several conversation We Came Upon agreement for the rent and deposit for the property on XX/XX/XXXX I was contacted by a person name XXXX XXXX XXXX and he worked for a company call Safe escrow payment through XXXX XXXX XXXX and that they manage the property for the seller he gave me an account number and the route number. for wells and fargo acc.to deposit a cashier 's check which i atempted. but had to redeposit into my account they informed me that my bank also deals with XXXX which I didn't know nothing about I got in touch with my bank and they assisted me on how to activate the XXXX that's on my account! by it already being connected to my account I had no idea that it wasn't insured like I said it was my first time ever using this app the next day I contacted the bank after I didn't receive the keys overnight and put a halt on the payment I would at least think that my financial institution would at least try to help me or direct me into a Direction so I can be helped instead they sent me a letter stating that I'm on my own! now who want to have an Institutional backing like that