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

This is an amendment to case XXXX filed on XX/XX/21 against Citi. 

As a reminder, I purchased a vacation fare from Costco XXXX on XX/XX/21 using my Citi Costco Card for {$470.00} to include airfare on XX/XX/21 and XX/XX/21 and 2 nights hotel for XX/XX/21 and XX/XX/21 at XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX OR. When I checked into the hotel, I provided my name, reservation information and Citi Costco card for incidentals. I incurred no incidental charges and used the level of room ( 2 queen beds ) that I reserved. I completed all travel on those dates. When I returned home, I saw that I was charged {$190.00} by the hotel for services that were covered by the Costco XXXX  reservation. I submitted a dispute to Citi for the {$190.00} including documentation of the reservation. On a letter dated XX/XX/21 that I received on XX/XX/21, Citi stated that because I received services I would not receive credit. Instead they started a dispute for {$190.00} against Costco XXXX. I received the services I paid for from Costco XXXX ; the hotel charged me for services that they were paid for by Costco XXXX. At no point was I contacted by Citi about opening a dispute against Costco XXXX. 

Herein is the update On XX/XX/21 I received a 26-page letter from Citi dated XX/XX/21 requiring action by me before XX/XX/21. Included on page 19 of the 26-page letter was Costco XXXX XXXX 's response where they dispute that I had not attempted to contact them and they had not been given an opportunity to address cardholder concerns. I, of course, agree with Costco XXXX because *I* did not open the dispute with Costco but Citi did . Fortunately on page 19 of the letter, Costco included a cost breakdown of my reservation which included {$220.00} to XXXX XXXX XXXX and XXXX XXXX XXXX. To remedy this, Citi needs to resolve my dispute correctly with XXXX XXXX XXXX and XXXX XXXX XXXX, credit me the {$190.00} incorrectly charged by XXXX XXXX and advise Costco XXXX that I did not open the dispute with them. I implore CFPB to take note of the poor timeliness of Citi 's mail. In both mail communications I've received from Citi, it has taken 11 and 20 days to receive their communications. My mail carrier delivers all other forms of mail in a timely manner so I would argue that Citi is not sending out the letters on the day ( or next or next ) that they are dated. If Citi sends out letters on their stated dates, then they need to be aware that consumers are receiving the letters too late to respond and they must consider adjusting the timeline for responses. On XX/XX/21 I called Citi and was unable to resolve the dispute over the phone. Instead I was instructed to wait for an email " in 3 or 4 days with instructions ''. I find that unacceptable as well since I've been waiting nearly 2 months to get an obvious incorrect charge resolved. 
I am attaching pages 1 and 19 of the 26-page letter. Citi should have the other 24 non-relevant pages in their system. Also attaching Citi 's response to my original CFPB complaint where they write that they will seek to reopen the dispute with XXXX XXXX if they provide proof that XXXX XXXX was paid.
Product: Credit card or prepaid card

Re : American Express XXXX delta credit card Account ending : XXXX This is a credit card I opened more than a decade ago and have not used in the last 7/8 years. I thought I have canceled this card and never received any communication in many years so this wasn't even on my radar, It seems American Express has been charging me an annual fee of {$99.00} for those years as I had signed up for auto payments being a responsible customer who didn't want to be late on payments.

For the last 7/8 years, I do not have a card, never received a new card or a statement, never activated the card, and haven't used it but American Express has been charging me annual fees every year. 

I think their emails were going into spam as I never interacted with them in so long but when I saw the annual fees on my checking account today I searched and found an email from 2 years ago ( XX/XX/XXXX ) where they mentioned that they issued me a new card and sent it to an address in XXXX XXXX where I last lived in XX/XX/XXXX and have moved 3 times since then and live in northern California. They must have reissued this card many times but I could only find emails for last 2 years. 

From all this it's very clear that they were aware that there has been no communication from my side, I never even activated their re-issued cards, and never used the card for anything but they continued to charge me an annual fee. I called and asked them to confirm this and they said they could only see 11 months of activity and couldn't confirm it for me. This is a case of a complete lack of attention towards anything else including the security of the card as long as they could charge me an annual fee. 

The attached file shows that last 2 years the only activity has been annual fees they charged me. I could not go beyond that on the site so can not show those years. 


American express customer service case ID : XXXX
Product: Debt collection

I paid this debt as soon as I received a bill from the medical provider. I paid it in full on XX/XX/XXXX. The statement was dated for XX/XX/XXXX. I then received a letter from the collection agency, Transworld Systems Inc., dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I  sent them a letter with a copy of my payment after I called them more than 15 times and no one ever answered. The recording would tell me the person at extension ( then give a very long extension number ) was unavailable. Please leave a message. Then the recording would say the mailbox is full and can't accept any more messages. Then I received another notice dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I tried calling again and it was the same thing. I tried their website and the only option is to pay the debt, no way to dispute it. They gave me a registration number that also does not work for anything other than paying.
Product: Mortgage

I have received a " Loan Estimate '' from a lender, as shown on your website : http : //www.consumerfinance.govXXXX The lender is including {$3800.00} under the " Adjustments and Other Credit '' in the " Calculating Cash to Close '' section ( show on page XXXX of ever Loan Estimate ). 

I called them and asked them what it was and and they told me that you required them to disclose it, and it is extra tax money they pulled from a data base. Is this true? What can be included in the " Adjustments and Other Credit '' area of the Loan Estimate? 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, are all fraudulent accounts. Also, according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ), collection agency is violating my consumer rights by using false misleading, deceptive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX || Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXXwhether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

1. They send me an invoice in the mail every month, after I've asked them multiple times not to send me an invoice. I turn on electronic invoices, it somehow turns itself off. They should look into why or where it's being turned off at.

2. I just tried to use my card twice, it declined. I reached out, they said, " we are requiring proof of address ''. I just moved and don't mind ; however, I was not notified about my card being shut off.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 Company : XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX These companies violated my privacy and shared my info without my consent or knowledge I was unaware of inquiries and didnt give them permission or was under any contract with any of these companies
Product: Credit reporting or other personal consumer reports

I have wrong names and adresses and also I have several accounts that I want Validated by law
Product: Checking or savings account

I have a checking account with Wells Fargo Bank. I have direct deposit of my pension check with the Bank. I have repeatedly asked the Bank that if there are insufficient funds in the account that the Bank decline any request for payment. The bank knows that there are insufficient funds in the account, but it goes ahead and pays any request and then charges the account {$35.00} for each request it pays. I am retired and ion a fixed income. By the time the next pension check is deposited, it has taken the whole check.
Product: Credit card or prepaid card

No category you provided covers my experience with AMEX Bluebird card. I received an email from them with no explanation other than the following. Earlier they tried to remove auto withdrawal that I had set up TWICE and told me to dispute the second one which I did. Now my account is closed and they are refusing to communicate about it or give any explanation. I believe they are doing this to others as well and need to be investigated. I have no way to see what has happened. I had not used the card recently. They refuse to communicate over the phone. I didn't do anything.

Here is the email I received : During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and

pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to
us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I paid my full Target store credit card balance ( XX/XX/2022 ) via bill pay from my XXXX XXXXXXXX XXXX checking account. Targets credit card servicer, TD bank cashed the check and has accused me of not paying the bill. I have spent hours on multiple phone calls with them over the course of 5 months with no result. Twice I have gotten them on the phone with XXXX XXXX  XXXX, who confirmed that TD bank cashed the check and the bill was payed. At this point, this is fraud and extortion. I have no recourse other than hiring a lawyer which would cost more than the bill they are claiming I havent paid ( {$380.00} ). I have received multiple letters saying my claim is denied, despite sending scans of the transmittal from the bank and having my bank directly fax them the documents. This company XXXX TD Bank XXXX, is committing fraud and theft while posing as a legitimate, accredited financial institution, and I am being relentlessly harrassed by them for a bill that I paid. This is blatant theft and there should be consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that CarMax tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if CarMax denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, CarMax plus two others. If XXXX had told me to wait a couple hours before allowing CarMax to check my credit, my loan would have been approved by CarMax - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be CarMax. It is XXXX 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, CarMax did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way CarMax does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with CarMax.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$550.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$91.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$12000.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report from XXXX TransUnion XXXX and found that it contains inaccurate and unauthorized information 16 CFR 603.2 ( a ). 

All three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 


Alll three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 

Under 15 USC 1681a ( 2 ) ( B ), a consumer reporting agency is prohibited from including any information in a consumer report unless the consumer has given consent. 

I have not given any consent, written or otherwise, for the inclusion of the disputed information on my consumer report. 

The unauthorized reporting of this information is causing significant harm to my creditworthiness and financial standing.
Product: Mortgage

I have spoken to multiple people at different times regarding my credit reporting during my mortgage modification with US Bank. I was told this would not effect my credit negatively and I have been reported as 30 days and 60 days past due. When I attempted to fix the situation, I was told there was nothing they could do about it now as it was already done. During the process, I was told at least 3 times it would be removed if it effected my credit or there would be no effect at all. I could lose my job because of the negative impact this is having as I work for a financial institution. Their calls are recorded and I would like someone to fix this as soon as possible as this is just wrong. I was lied to and told this would be okay when it is far from okay. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my Transunion report and lastly, page 3 of my XXXX  report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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 seven 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.