23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of certain accounts from my credit report, as I am a victim of identity theft following a recent data breach. As outlined under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report.

Fraudulent Accounts : 1. Creditor Name : Achieve Personal Loans XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3100.00} XXXX. Creditor Name : CXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$9400.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$14000.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$35000.00} XXXX. Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$12000.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00}
Product: Debt collection

XX/XX/2024 XXXXXXXX IC System XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX RE : Dispute of Debt under 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute the debt referenced in your correspondence dated XXXX, XXXX which you claim I owe. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request that you provide validation of the debt you allege I owe. This includes the following : 1. The name of the creditor to whom the debt is allegedly owed.

2. The amount of the debt.

3. A copy of any judgment, if applicable.

4. Evidence of my responsibility for this debt, including but not limited to a signed contract, account statements, or any other documentation that substantiates your claim.

As stated in 15 U.S.C. 1692g ( a ), you are required to provide this information within 30 days of receiving this dispute.
During this period, you must cease all collection activities unless you can provide the requested validation.

Until I receive proper validation of this debt, I request that you cease any further collection efforts. Additionally, please ensure that this dispute is properly recorded with the credit reporting agencies, as applicable, to avoid any potential inaccuracies on my credit report. Please be advised that failure to provide adequate proof of the debt may result in legal actio
ns, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter
Product: Credit card or prepaid card

I made an online purchase from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1000.00}, their website showed " Free shipping and returns on all U.S. Orders '' ( see attached documents ). I received my purchase on XX/XX/XXXX and initiated an online return request. XXXX acknowledges my return request and stated must return must be shipped by XX/XX/XXXX. ( page 12 of my  attachments ). I shipped my return by U.S.P.S. on XX/XX/XXXX ( page 2 of attachments ). I contacted XXXX on XX/XX/XXXX for an update on my refund and was informed by email " we can no longer process any returns or refunds regardless of when it was received. I would advise you dispute the charges with your credit card company. '' I contacted Chase claims department on XX/XX/XXXX and filed a dispute. On XX/XX/XXXX Chase informed me that my claim was denied because they received information from XXXX that my purchase was " a final sale '' and was advised to file a claim against the merchant in court. I provided Chase with all the documentation to prove my purchase was not a final sale. XXXX received the returned merchandise well withing the return deadline and failed to return my purchase price. Chase received all proofs to support my claim and failed to credit the purchase price to my account. I requested a copy of XXXX response from Chase on XX/XX/XXXX, I was informed it was mailed on XX/XX/XXXX and I have still not received the merchant response. I contacted Chase claims department on XX/XX/XXXX again requesting relief and a copy of the merchant response. I was told by a Chase claims supervisor that I could get an emailed copy of the merchant response from my local branch. My local branch banker was refused access to the information and was told the information was confidential. Now, I have no other choice but to seek assistance through this agency.
Product: Bank account or service

Since XX/XX/XXXX, I 've received a series of very intrusive calls ( from XXXX, XXXX, XXXX, XXXX and XXXX ) that have come from either PNC Bank, or just a person or persons claiming to represent them. My phone 's caller ID does not display the particular number involved with any mention of PNC or a bank in its heading like it usually would. ( I 've had several legitimate contacts from them in the past ; and these are different. Usually letters accompany their contacts - but not this time. ) The calls come daily and several times a day. It seems that the callers are determined to be more and more persistent. 

In each of the couple of times they were answered they were told that they should already have certain items of information on file. They insisted that I give them vital account-related and personal financial statistics and were refused. However, my refusal went over their heads. They then asked about my granddaughter, XXXX, who was recently XXXX after 17 years of working for them for a group of strange and unsubstantiated accusations ( XXXX ). They questioned the validity of a check I wrote myself on an account I have with her there. They also tried to attach me to an account ( for loan payments ) which I do not own. ( It may be my granddaughter 's. ) They prompted me to make a statement as to " elder abuse '' allegedly committed by my granddaughter. I know her and my accounts well and nothing out of the ordinary took place with the exception of these rude and pointless attempts to unsettle me and steal parts of my identity. ( They may be trying to " fix '' her because she complained about not being paid for overtime. ) It seems that they think I have XXXX. I may be old ( at XXXX ) ; but it does n't mean I 'm senile. I am of sound mind. If the calls do n't stop a restraining order will be placed. The authorities will be contacted. I 'm tired of being harassed. 

Attached is a partial list of the dates and times on which they phoned and other documentation. 

Sincerely, XXXX
Product: Credit reporting

I would like to file a complaint with trans union regarding inaccurate information from XXXX XXXX I sent 3 Disputes to XXXX XXXX XXXX on XX/XX/2016 XX/XX/2016 XX/XX/2016 They Never Responded and Continue to report the account
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX is collecting for Citi Bank Credit Card. Due to my XXXX and unable to work due to the covid19, I hired a bankruptcy attorney Atty. XXXX XXXX. XXXX XXXX XXXX were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently applied for credit for our small business. We were declined with the explanation that American Express card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/XXXX due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show AMEX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to AMEX in XX/XX/XXXX which paid off the full balance. We have bank records to prove this. The AMEX account was closed, and we thought that was the end of the issue. We had no idea that AMEX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted AMEX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of AMEX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to AMEX. But, we don't feel AMEX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with AMEX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX balance {$2100.00}, XXXX XXXX  balance {$1400.00}, XXXX XXXX  balance {$4100.00}
Product: Debt collection

This company which I hold no contract with nor have received services from, reported a collection against my SSN in the amount of {$420.00}. They are calling THREATENING to SUE, the calls started on Yesterday and I spoke to a XXXX XXXX who I stated that I was filing Bankruptcy again and will contact my lawyer, however, ALL my BUREAUS are LOCKED and have FRAUD alerts and FROZEN so they ILLEGALLY obtained my information. I Never received any formal communication from XXXX and only asked a question of who they were and why are they calling cause it is my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Can I called Comenity Bank at for my Victorias Secret card? I called them and I discussed with them making a payment. I made a payment of {$47.00}. They told me that all I had to do was call back after I made the payment and it would prevent me from having a bad standing with them on my credit report. Then today I get notified that my credit score just dropped XXXX points because of them and I already made that payment and now they told me when I called him this morning that I have to write a letter to them this could take two more weeks or more to get this resolved. In the meantime, my credit score has plummeted another XXXX points and I dont feel thats fair thats not what they told me when they told me that they made that {$47.00} payment they told me it would be in good standing after that now its not and I need some help with us because I dont have time being sick like I am and permanently disable to write letters and wait for the responses and things when they made false promises in the beginning.
Product: Credit card

I spoke to Best Buy Credit Cards department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to ask if they could please restore my credit limit to what Ive had for over 2 years as I had not had a history of any late payments during the life of that account up until XX/XX/XXXX which was a Sunday on a holiday weekend and I had honestly forgotten that I had a payment due. They immediate penalized me by severely reducing my credit limit the very next day and slammed me with interest and late fees. Theyve refused to reconsider to restore my credit limit despite my clean payment history with them and my plead for them to reconsider. I understand Citibank is the issuing bank for their credit cards, I especially find it appalling that Citibank has such a predatory and punitive policy towards their customers despite Citibank having been bailed out with taxpayer dollars during the XXXX recession.
Product: Debt collection

PHOENIX FINANCIAL SERV Has failed to provide me with original documentation of debt. I have asked them to show me proof to verify the debt and there resolution to this was to automatically report me to the credit bureau. 

This debt is not valid and I can not confirm it is mine without any proof.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block ), Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am filing again a complaint against XXXX for failing to investigate and address a dispute I submitted regarding an inaccurate account on my credit report. My initial complaint was submitted on XX/XX/year> with reference number XXXX, but it has been closed without a proper resolution. 
The disputed account is MOHELA XXXX, this account is inaccurate because it is paid off and closed, I provided proof of this inaccuracy on my previous complaint ( see enclosed ) XXXX closed my complaint claiming they investigated the validity of the account with the furnisher and that they noted my dispute on the report. However, this is inaccurate! My credit report still reflects no remarks regarding the dispute I filed. There is no explanation provided about the alleged investigation into the account 's validity. 
While they state there is " no negative reporting, '' this does not address the core issue of the account 's legitimacy. 
These actions by XXXX continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 1 ) : XXXX failed to conduct a reasonable investigation into the disputed information after I submitted a complete dispute with supporting documentation. 
Section 611 ( d ) ( 2 ) : XXXX did not provide me with a clear and concise explanation of their investigation results. 
I request that CFPB have XXXX take the following actions to resolve this very frustrating and costly issue : Conduct a REAL thorough investigation into the disputed account 's validity, considering the proof I provided. Update my credit report to accurately reflect the disputed account 's status and remove it as it is CLOSED PAID OFF! Including a clear notation of the dispute. Provide me with a written explanation of the investigation results and the basis for any decision regarding the disputed account. 
View Attached Documents : Proof of My Latest Credit Report ( showing the disputed account ) Copy of My Initial Complaint to XXXX ( with reference number ) Proof of Dispute ( copies of documents you submitted with the initial complaint ) Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution.
Product: Checking or savings account

On XX/XX/, I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, Ive been a Citibank credit card holder for XXXX years, have a credit limit of {$12000.00}, and a XXXX score over 800. My financial record is spotless. 

On XX/XX/XXXX, I funded my new savings account with a {$21000.00} ACH transfer from my XXXX Savings account. On XX/XX/XXXX, I made a transfer of {$10000.00} from my XXXX XXXX XXXX account and an additional {$5000.00} ACH transfer from my XXXX Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details. 

A few hours after my XXXX XXXX transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked. 

On XXXX XXXX I called the fraud department at XXXX and spoke to XXXX. He couldnt see an issue, but saw that Citi was in the process of closing my newly opened savings account. He told me he was escalating the issue for review. 

On XXXX XXXX I was informed that, based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed. 

For the next 60 days they will hold on to my {$36000.00}, will not give the XXXX % advertised interest rate and will only mail me a check for the principal amount in XXXX months. 

My complaint : I followed Citis process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my {$36000.00}. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my {$36000.00} hostage, Im losing XXXX months of the promised XXXX  % interest - approximately {$230.00}. 

Citi is actively advertising and encouraging people to open and fund a new savings account. After funding, Citi closes some accounts and for the next XXXX months, uses peoples money without paying interest. The internet is full complaints that match mine XXXX XXXX XXXX XXXX If there is violation going on, its from Citi, not me. I hope you can assist in getting my money back in a timely fashion. Thank you.
Product: Debt collection

Recently I was notified via the XXXX XXXX XXXX XXXX that MSW Capital LLC and XXXX XXXX Bank are attempting to collect a debt for a credit card account that was opened fraudulently. I went to court to file a motion to vacate a judgement in the plaintiffs favor since the documents that were supposedly served to me never happened. In fact the court stated that the service of notification was " problematic ''. In an effort to prepare for a future court date, I have attempted to contact MSW Capital and XXXX XXXX ban in order to garner necessary documentation on how this account was opened. I spoke to XXXX XXXX XXXX Bank representatives who apparently are located overseas and have proved to be of little assistance to getting all documents related to this case. I simply want information on how the account was initially opened and all supporting documents related to the account in question. The judge has continued the case in an effort to allow me to refute ownership. In speaking with the representatives at XXXX XXXX Bank, the account was opened online and there is not a signature card or agreement that supports their claim that I opened the account. It is my belief that a family member who was down and out on their luck utilized information they stole from my office in my home to open an account. I did not provide my information to anyone or make it available to anyone. Therefore I question the validity of the debt collection and the efforts of MSW Capital and XXXX XXXX bank, respectively, on the opening of the account and the credit collection efforts for an account that was fraudulently opened in my name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Mortgage

On XX/XX/2016 I closed on a home loan with XXXX ( Please see attachment 3 ). The loan was acquired by The Money Source ( Please see Attachment 1 and 4 for Billing ). I believe the tax bill was {$1000.00} for every 6 months and {$2000.00} for a year, at the time. 

I received a tax bill from XXXX XXXX in the amount of {$240.00} ( for 6 months ) and {$240.00} ( for the next 6 months ) or for the year {$580.00}. I submitted a request for escrow reimbursement ( Please see attachment 3 The problem is the original 4 month escrow charged and my monthly payments have been based on a {$1000.00} ( {$2000.00} per year and not {$580.00} per year the correct rate ). I requested for an escrow refund ( please attachment 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2XXXX I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2