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

I am filing this complaint against TransUnion for failing to acknowledge my previously submitted identity theft report and for its non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent items be blocked within four ( 4 ) business days upon receipt of a valid identity theft report. Details of the Issue : On XX/XX/XXXX, I submitted a complete and valid identity theft report to TransUnion, along with proof of my identity and a letter identifying the fraudulent information that appeared on my credit report. The fraudulent account in question : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX As of today, TransUnion has failed to acknowledge receipt of my identity theft report and has not blocked the fraudulent account, despite the legal requirement to do so within four ( 4 ) business days. Actions Taken & Lack of Response : I initially contacted TransUnion regarding this matter, but I did not receive confirmation that my report was received or processed. I have now re-submitted my identity theft report, ensuring that it satisfies all FCRA requirements. My identity theft report is valid, and I have provided : A completed identity theft affidavit filed with the Federal Trade Commission ( FTC ). A police report detailing the fraudulent activity. Proof of my identity ( drivers license, Social Security card, and recent bank statement verifying my address ). A letter specifically identifying the fraudulent account and confirming that I did not open, authorize, or benefit from it. Despite meeting all legal requirements, TransUnion has failed to fulfill its obligation to remove this fraudulent account. Request for Regulatory Intervention : Given that TransUnion has failed to comply with its obligations under FCRA within the legally required time frame, I am requesting the CFPB intervene and take the following actions : Require TransUnion to immediately block and remove the fraudulent account from my credit report as mandated under FCRA Section 605B. Investigate TransUnions failure to acknowledge identity theft reports and its non-compliance with FCRA-mandated timelines. Impose any appropriate penalties or corrective measures to ensure that TransUnion adheres to federal consumer protection laws in handling identity theft disputes. I appreciate your prompt attention to this matter and look forward to a resolution that ensures my credit file is corrected and protected as required under the law. Please let me know if you require any additional documentation or information to assist in your review. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCESSED XXXX ACCOUNT See attatched XXXX letter XX/XX/XXXX Requesting VERIFCATION WITH ORIGINAL SIGNATURE OR DELETED IMMEDIATELY TO NO AVAIL.see attatched proof of delivery XXXX Thurs XX/XX/XXXX. See attatched XXXX  Credit Reports XX/XX/XXXX. ( Opened. XXXX XX/XX/XXXX ) Report Confirms ussa Account XXXX Kindly Note the Grey Background Hiding Account Numbers & XX/XX/XXXX ( opened. XXXX XX/XX/XXXX ) Credit Report Confirms usaa Account XXXX Kindly Note Grey Background we can Barely See Account Numbers. I believe this is done BECAUSE THE ACCOUNT NUMBERS CHANGE??? USAA & XXXXTtogether Create this Fraud. I AM REPORTING WHAT I BELIEVE TO BE A CRIME. THIS IS NOT FAIR CREDIT These two Companies Collaborate Together Against Cinsumers. This is no error. Next see attatched USAA DOCUMENTATION CONFIRMING NUMEROUS DIFFERENT ACCOUNT NUMBERS ending 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX all previously sent to XXXX. I DEMAND XXXX PROVIDE DRS LICENSES FOR EACH ACCOUNT AND SIGNATURE AUTHORIZING VERIFICATION I OPENED OR DELETE IMMEDIATELY. XXXX  & USAA have ruiened my credit for years. XXXX  covers up for USAA Clearly XXXX  would have noticed the two accounts changing.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Credit card

APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING AN ACCOUNT AS AN AUTHORIZED USER THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT IS HURTING MY PROFILE I HAVE SENT LETTERS MY CERTIFIED MAIL AND CERTIFIED FACSIMILE Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2018 Balance Owed : {$15000.00} I AM NOT ASSOCIATED WITH THIS CARD IN ANY TYPE OF WAY PLEASE TERMINATE IMMEDIATELY AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 The following inquiries are unauthorized : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  S on XX/XX/XXXX XXXX. XXXX. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit card or prepaid card

I received a email saying, ADP is conducting a survey to better understand your business needs and practices, your experience selecting Roll by ADP and your satisfaction with it. Your honest feedback is important to help us in our effort to continuously innovate. 

The survey should take you about 15 minutes to complete. Please be assured that your responses will be aggregated with all others and will be used for research purposes only. You will receive no follow-ups. 

In appreciation of your time and completing this survey, you will receive a {$200.00} electronic XXXX gift card. 

To participate in this short survey, please click on the SURVEY link below. 

Click Here to Start the Survey The survey will be open until XXXX XXXX  XXXX, Friday, XX/XX/2023. 

Thank you in advance for your participation and valuable feedback. 

Best regards, ADP Market Insights Once I completed the survey I reached out to their customer service team : XXXX XXXX XXXX XXXX, 2023 XXXX XXXX  When did you complete the survey? It is a manual process to assign the payment to you so i can create a case with our team You XXXX XXXX, 2023 XXXXXXXX XXXX On XX/XX/XXXX XXXX XXXX XX/XX/ 2023 XXXXXXXX XXXX Okay, Since it takes time to process I will let our team know as it can take some time to process You XXXX XXXX, 2023 XXXXXXXX XXXX Okay do you know how long the process time might be? Also is there a difference between the ADP 1-800 number and a chat agent? 

You XX/XX/2023 XXXX XXXX Because when I called the 1-800 number and gave her my EIN she couldnt find my payroll account XXXX XXXX XXXX XXXX, 2023 XXXX XXXX Roll only offers chat based support for existing clients. The other number you see on our website is for our sales team to assist with clients who are onboarding or interested in signing up XXXX XXXX XXXX, 2023 XXXX XXXX Okay thank you! How long is the process time for the survey? 

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX Unfortunately I do not however i sent an email to our team that handles them and as soon as they respond I can send an email your way! 

You XXXX XXXX, 2023 XXXXXXXX XXXX Okay thank you, Have A Great Morning You XX/XX/2023 XXXXXXXX XXXX Ill check back in by the end of the week XXXX XXXX XXXX XXXX, 2023 XXXXXXXX XXXX You do the same. Once they respond you can expect an email from us! 

Once I purchased something on XXXX with this gift card I was locked out the account the password was changed and XXXX was told that ADP Payroll disputed this charge with their bank. XXXX refuses to allow me to access to this account or provide proper documentation to resolve this issue. Each Phone call and chat request was Recorded Via Voice Memo and screenshots.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}
Product: Bank account or service

I opened a checking account online at Wells Fargo. I stopped by this morning to sign the paper work and make a small deposit. The banker I spoke with asked me to sign up for overdraft protection which I declined because it has to be linked to a savings account. It appears he went ahead and opened the account either way without my consent. I only realized it when I signed up to my online account
Product: Checking or savings account

Capital One banking direct deposits is down. The anticipation for a deposit this week was to put it into savings, leading to a daily loss of earned interest based on their system issues. Seeking compensation in the amount of earned interest lost.
Product: Mortgage

Back in  XXXX   2016 m y monthly mortgage pa yment with Ocwen Loan Servicing wa s raised to a level that I could no longer affor d ( fr om {$3400.00} to {$3600.00} per month. ) I spoke with the bank about alternatives and they said that I needed to file for a loan modification. However, to even be considered to needed to late on my payments. So I stopped paying for 5 months, and applied for a loan modification. My loan modification was accepted and the monthly payment went from {$3600.00} up to {$4100.00}. I filed an appeal which was denied. This clearly is a payment I can not afford. Loan modifications should be reducing the payment not increasing it!
Product: Credit reporting or other personal consumer reports

Im disputing the false late payment reported on my XXXX XXXX  account ( # XXXX ). Ive always paid on time, and reporting this as late is completely unacceptable. Under 15 U.S.C. 1666b ( a ), creditors are prohibited from treating on-time payments as late, and this false reporting blatantly violates that law. On top of that, the FCRA, under 15 U.S.C. 1681e ( b ), demands MAXIMUM POSSIBLE ACCURACY, and this inaccurate information proves that hasnt been done. Since I already disputed this before and it still hasnt been corrected, its a clear violation of FCRA 611 ( a ), which requires a proper reinvestigation. Continuing to ignore these laws is willful noncompliance under FCRA 616 and 617, meaning I can claim up to {$1000.00} for every single violation. This false report is damaging my credit and causing unnecessary stress. I expect this late payment to be removed immediately, the account updated to " Paid as Agreed, '' and a full explanation of how this was verified along with proof of correction sent to me without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to establish an Exprian credit monitoring account. Experian has identified me by name, address, birthdate, and social security number and has rejected my account application claiming that I am deceased in their data bureau. I am not deceased! I have spent two months writing to Experian and telephoning them to no avail.
Product: Credit card

I called the company to question a suspicious account alert that I received from their automated account alert system ( via text message ). I know the alert ( text message ) was legit and came from the company because it came from the same text phone number that sends ALL of the automated alerts that I setup on this account, but the company basically told me that I'm stupid and the text was a fake and was sent by a fraudster that is trying to trick me into giving the fraudster my account info. That was definitely NOT the case. The text definitely was legit and definitely was from the company, yet the company continued to deny that they sent it ( even though I offered to send a screen shot of the alert/text ) and they refused to discuss my questions and concerns about the alert/text. Instead, DURING THE PHONE CALL THEY LOCKED MY ACCOUNT SO I COULD NOT USE MY CREDIT CARD ANYMORE. When I asked them why they locked my account, they refused to answer. They treated me like a XXXX, even though they verified that I was the account owner. THEY STILL HAVE NOT ANSWERED ANY OF MY QUESTIONS. I WANT DETAILED, THOROUGH EXPLANATIONS FOR THEIR INEXCUSABLE BEHAVIOR.
Product: Credit card or prepaid card

This is in regards to my Citi Thank You Preferred card.
** I have a {$25000.00} limit on my card ** I was involved   in a romance scam ** I have paid all charges not involved with the scam ** A check was deposited to my account on  XX/XX/XXXX   in the amount of {$13000.00}  XXXX  The scammers asked me to make  XXXX  product purchases beginning o n  XX/XX/XXXX  and a balance transfer on  XX/XX/XXXX  ** I called Citi bank between  XX/XX/XXXX  and  XX/XX/XXXX  and asked if there was any way the money could be be taken back by the people that deposited it. I was told " No '' ** I then made the purchases and transfer believing the check and subsequent checks were good ** More checks wer e deposited   XX/XX/XXXX - {$22000.00}  XX/XX/XXXX  - {$13000.00} XX/XX/XXXX   - {$21000.00} ** I have a printout from  Citi  showing Last statement balance  XX/XX/XXXX  for {$11000.00} with no amount due on payment due date on  XX/XX/XXXX - Leading me to once again believe all the checks deposited were good ** More checks were deposited  XX/XX/XXXX  - {$11000.00}  XX/XX/XXXX  - {$22000.00}  XX/XX/XXXX  - {$45000.00}  XX/XX/XXXX  - {$12000.00}  XX/XX/XXXX  - {$90000.00} XX/XX/XXXX  {$14000.00}  XX/XX/XXXX  -  XXXX     XX/XX/XXXX  - {$96000.00} ** During the time all the checks were being deposited the scammers were having me make   XXXX    product purchases and money transfers and Citi approved a ll of them again making me believe all the checks were good.    **   My balance reached {$140000.0 0}  XXXX  On XX/XX/XXXX    I called Citi at  XXXX  and spoke to  XXXX  and was transferred to  XXXX   (  a w oman ). I reported the scam and cancelled the card effective  XX/XX/XXXX .   XXXX   stated the report would be sent to the investigating team and I should  expect a call from them within  XXXX  days.   ** I received a letter from  Citi  dated   XX/XX/XXXX   stating they researched all of the balance transfers and determined I was responsible for all of them.   ** I received a letter fro m Citi  dated   XX/XX/XXXX   stating they were investigating.   ** I received a second letter dat ed XX/XX/XXXX  stating all charges were valid.    ** I made a report to the police department who turned it over to the Oregon Department of Justice on   XX/XX/XXXX     **  I received a letter from Citi offering me options to pay. I called and informed them I was working with an attorney and gave them his name and number. I do n't know who I  spoke with.   * * I received another letter from Citi  dated XX/XX/XXXX   req uesting payment and offering payment options.   **  I called Citi on  XX/XX/XXXX  and spoke to   XXXX  . I stated  I was working with an attorney and gave her his name and number.   ** I contacted my financial adviser and he suggested I file a co mplaint with you. You may conta ct him regarding this at  XXXX  XXXX  XXXX  or  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 3. AMERICAN EXPRESS ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.
Product: Vehicle loan or lease

XXXX XXXX I purchased a XXXX XXXX XXXX tractor from XXXX XXXX XXXX XXXX XXXX XXXX Ga. It was financed by Wells Fargo Financials leasing, XXXX, IA. At the time of purchase, I was provided with a copy of the Installment Sale Contract and Security agreement. I signed a copy and was told by the dealer that I would receive a copy signed by Wells Fargo Financial after the loan was processed. 

XXXX XXXX - XXXX of XXXX, I made payments with an additional XXXX towards principal and 2 payments of {$1500.00} when I sold my old tractor. In XXXX of XXXX, I did not receive a monthly statement. Nor did they come in XXXX or XXXX. I tried calling Wells Fargo, left messages, and finally wrote a letter requesting signed copies of the contract and to be invoiced along with an audit of the account for payments made. I tried to contact them, found that I was locked out of the online website, and wrote them again. Wells Fargo failed to contact me nor respond. 

XX/XX/XXXX - I received an invoice for a partial required payment. I made the payment and requested again a signed copy of the contract, statement of terms, and payment audit. Again no response. Now each month I send the same request, with the standard monthly payment - No response from Wells Fargo Leasing to date.