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

I reported fraudulent charges on my Citi XXXX on about XX/XX/17 while I was on vacation. These were addressed by the company, card disabled and a new card ordered and to be mailed to my home. Before the card had even been received, more fraud charges had been made with THE NEW CARD.I had not yet activated the card! I called, and of course spent HOURS gettting jerked around until I finally got a representative very fluent in XXXX in the " Fraud Dept. '' He could not understand how these latest charges occurred. Said maybe someone cloned my mobile phone and digital wallet -- I do not have a digital wallet. Anyway he passes me to someone else to rsolve things, who I had difficulty understanding, beause A she is working at home half way around the world and B her XXXX was heavily accented and her second language. Ridiculous. Dystopian. Well, she decides I need ANOTHER replacement card. Finally I told her I had had enough. COSE MY ACCOUNT. I am no expert, but please explain to me how this is NOT an internal security and privacy breech by Citi. At the very least, this needs to be mabe public and I would like a small compensation for the 4 hrs of time dealing with this mattter. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX XXXX  # XXXX has violated my rights 15 U S C 1681 section 602 A. 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

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a Venmo account. I have a credit balance of {$10.00} in this Venmo account. I do not have a smart phone and use a flip phone device. Because of this, I do not have access to the Venmo application. I opened my Venmo account online through a computer. At no point during the establishing of my Venmo account over the computer was I advised that I would be able to transfer money out of my Venmo account ONLY by utilizing a smart phone. When I contacted Venmo customer service as I was having difficulty transferring the {$10.00} into my checking account via my stored debit card, I was provided instructions that did not work. I responded to let Venmo 's customer service know the instructions did not work and that I do not have access to their mobile app as I do not have a smart phone. I was advised that there was no other way to receive my {$10.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is using the purpose of credit reporting to provide own business profits without tending to customer needs or authentic credit derivability. 

The information present on the report is never updated and showed incorrect amounts and balances. Moreover, it does not report all of the accounts. This seriously affects the credit ratio and provides a defamation to the rights of consumers. 

Please check into their calculation formulas. Their formulas never match any of other bureaus and include " Experian Boost '' to unfavourable add more credit which in fact is another " liar '' that it does not reflect in real score. 

This matter needs to be reflected to AG 's office and other Banking monitoring fraud alerts.
Product: Credit card

My interest rate is too high on my credit card. I have asked Capital One to lower the interest rate so that my payments can be affordable. Capital one stated that since I had payments returned to my bank that I am not eligible for an APR decrease. They have also sent me some things about my payment being so expensive because of my XXXX insurance. I do n't have a problem with the XXXX insurance being added to my payment. My concern is that I have such a high APR rate. I have had a card with Capital One for at least XXXX years. My question is ... There is n't XXXX time that my account was not in good standing for Capital One to decrease my APR in XXXX years? It seems very odd to me.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report and I also included my Identity Theft Affidavit, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX 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

. Subject : XXXX XXXX XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting

I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname.
Product: Mortgage

To cancel private mortgage insurance, Wells Fargo Home Mortgage requires that the value to loan ratio be 80 % of the original mortgage cost- for example, they will only cancel the PMI when a {$400000.00} loan has been paid down to {$320000.00}. This is a federal requirement. For this to be assessed, however, they require either an appraisal or a broker 's opinion. Which makes sense. Except, they will only let you use one of their identified brokers or appraisers, which is a conflict of interest. They also require {$500.00} for the appraisal ( more as the house gets bigger ), or {$150.00} for a BPO. I had an independent broker assess my house and deliver the required documents to me, which I then sent to Wells Fargo. They rejected this, and told me that I had to pay {$150.00} for their OWN broker to determine the price of my home... which clearly benefits them. Additionally, the county 's assessment on my value to loan ratio isn't sufficient for them. I understand the necessity to judge the value of the home ; the issue is that they require you to pay a third party that you don't get to choose to value your home. I spent 10 min on the phone with their broker, and it cost {$150.00}. This is inappropriate, and I would like them to accept my independent broker 's opinion, or at least not require that I use one of their own appraisers or brokers. I have enough value in my home to stop paying PMI, and they clearly benefit from this arrangement.
Product: Credit reporting or other personal consumer reports

Check Systems refuses to send my dispute information so i can know what is on it. i should not have anything in the check systems. This is preventing me from opening a business bank account, There is no online access, and by the time you reach an agent nobody knows anything or can help they just give information directing to the website that just gives information and one form. i am told disputes and reports can be done online easily and there is no way to do so.
Product: Credit card

I do not remember the exact month, but in XXXX, Citi reduced my credit limit on 2 separate cards without explanation or causation by 50 % or more, causing my credit score and my wife 's credit score to drop XXXX points. Both credit cards were at less than 50 % utilized credit based on our limits before the credit limit reduction and after they were nearly maxed out between 95 % -98 % credit utilization. 
One of the cards I had previously purchased over $ XXXX in airline tickets which had been paid in full within 6 months of the initial purchase. 

One card was an XXXX XXXX XXXX XXXX and the other was the XXXX XXXX. 

Again this reduction in credit limit availability and the subsequent credit limit being maxed out dropped our credit from well over XXXX down to the low XXXX 's. I had never made a late to Citi bank for either card.
Product: Debt collection

I was communicating well with the original company in charge of the debt, XXXX  XXXX. They gave me the information for the collection agency, Ive made several attempts to contact said company, professional account management. They stated if not disputed within 30 days the debt will be assumed valid. I have not been able to contact the collection agency to dispute within the time frame. Ive been on hold for greater than 2 hours every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting inaccurate information on my credit report. The following accounts on the attached dispute letters are not mine. Please stop them from reporting this illegal and inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Equifax has included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it 2. This account resulted due to identity theft. 
XXXX XXXX Account XXXX : XXXX The listed item is a very serious error in reporting. Please delete this misleading information.
Product: Debt collection

PlusFour Inc has not deleted a medical account that was paid. The original creditor XXXX XXXX XXXX was paid in full. I invoked my HIPPA rights as I paid. No third party should be reporting this information since it was paid. I sent them a letter with proof of delivery dated XX/XX/XXXX. They have has this letter and have not removed the medical account. If not deleted in 5 days I will file a lawsuit. I have already contacted a consumer attorney.
Product: Credit reporting or other personal consumer reports

I submitted disputes to Experian regarding multiple inaccuracies on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). These disputes pertain to the following : XXXX. XXXX XXXX : Late payments inaccurately reported in XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ). 
XXXX. XXXX XXXX XXXXk SS : A XXXX late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX : A XXXX late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX XXXX XXXX ( XXXX Account ) : A {$450.00} debt attributed to XXXX that lacks proper validation. 
XXXX. XXXX XXXX ( Collection Account ) : A {$3300.00} debt attributed to XXXX XXXX  which I dispute as inaccurate. 
I requested that Experian investigate these items and verify their accuracy under FCRA 611. I also requested that they provide information on how the accuracy was verified under FCRA 609.

Experian failed to adequately address these disputes or provide supporting documentation. As required by FCRA, inaccurate or unverifiable information must be corrected or removed.
Product: Credit reporting

I have continuously contacted the creditor whom refuses my dispute of the validation of this unauthorized inquiry. The representative could not provide with verifiable proof of the unauthorized inquiry, because they did not have the right to view my credit file in the first place. Also, The representative could not provide me with validation as requested, and I have continuously advised the creditor that this inquiry does not belong to me, and request that the following be removed immediately.
Product: Credit reporting or other personal consumer reports

I sent 3 separate certified letters out to the companies/Equifax requesting debt validation/removal of accounts. The companies have either not responded to my certified letters, or have used stall tactics to pacify. I have waited now over 90 days, & they are in violation of FCRA. 

I have filed a lawsuit in XXXX XXXX XXXX XXXX. My case is scheduled for XX/XX/XXXX at XXXX.
Product: Credit card

This Total Visa card has a {$300.00} limit and I barely use it. 
Here are the fraudulent charges : XX/XX/XXXX posted XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$58.00} XX/XX/XXXX posted XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX posted same day XXXX XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX posted same day XXXX XXXX XXXX XXXX CA {$58.00} * I have NEVER bought anything from XXXX ( verifiable by my purchase records ) * I have never received such items ( Pls check delivery records ) * The statement suggests I bought these items TWICE in the same month!! 
* It is utterly absurd and I am enraged. 

Please help.
Product: Checking or savings account

Re : Complaint against Navy Federal Credit Union - Unauthorized Transactions and Lack of Notification I am writing to file a formal complaint against Navy Federal Credit Union regarding a severe breach of security that has had a detrimental impact on my financial well-being. On XX/XX/2023, my XXXX  account was compromised, resulting in over XXXX  in unauthorized transactions. Despite my immediate efforts to rectify the situation, the XXXX XXXX adjusted and reversed the funds without providing any explanation, even after I filed an appeal. 

My primary concern is the lack of notifications from Navy Federal Credit Union during the period when the hackers were making multiple charges to my account. I rely on timely alerts to promptly address any suspicious activities. Regrettably, no notifications were received, allowing the unauthorized transactions to escalate and causing significant financial distress, especially during the holiday season. 

I have taken all necessary measures to secure my accounts by changing bank card information, changing passwords to accounts and have promptly filed an appeal with Navy Federal Credit Union. However, their decision to reverse the monies back to the hackers remains unexplained, exacerbating the challenges I am facing. 

I request your intervention in investigating this matter thoroughly and ensuring that Navy Federal Credit Union provides a clear and justifiable explanation for their actions. The lack of transparency and the financial burden imposed on my family during a time of celebration are deeply distressing, and I believe it is crucial to address these issues promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify the situation.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX this amt was deducted from my chase bank and chase bank is not solving it and holding my acct balance and will not release it
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the opportunity to express my situation... ..pI have this XXXX XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a XXXX that has XXXX and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, SC XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$640.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; MEDICAL XXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ;
Product: Credit card or prepaid card

ON or about XX/XX/2020 I worked with PNC bank about an attempted charge of $ XXXX to a company " XXXX '' as well as XXXX $ XXXX payments on my debit card to food take out and delivery companies, one was XXXX. I was told about a credit by PNC 's card protections services and it would be sent to the fraud division. Wait a week and call ( can't find the number ) for results of what they found ... I waited a week and called THEY HAVE STONEWALLED ME. I can get no information to go to the police and pursue this, which I think is local. I will try to pursue this with the police but many days have gone by and I was misled about pursuing this. I have requested a complaint against PNC but get no evidence this will be done.