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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$33000.00} from AXXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans were discharged and now they are reporting on my account that I still have those loans and that they delinquent now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of certain items on my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information. 


I hereby request the immediate removal of the following accounts from my consumer report : XXXX Account Number:XXXX
Product: Mortgage

My name is XXXX XXXX. On XX/XX/2018, I received a letter from my lender WELLS FARGO claiming that there is a shortage in my escrow account of {$930.00} due to this issue my monthly mortgage payment went from {$2200.00} to {$2400.00}. 

It is important to let you know that I was never formally informed or notified by Wells Fargo about this shortage ONLY until XX/XX/XXXX. It is Wells Fargo 's responsibility to notify me is there a change in my mortgage account. 

I called Wells Fargo and complaint about this matter and my case was assigned to an executive investigator. Will you kindly help me to make sure this executive conducts an honest and fair investigation? 

The name of the Wells Fargo Executive is XXXX XXXX XXXX My Wells Fargo account number is : XXXX Name : XXXX XXXX PH : XXXX Please see the Wells Fargo escrow statement attached herewith.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX was paid off. 
XXXX USAA Bank XX/XX/XXXX automatic payment was taken out of my checking account for the amount of {$300.00} after the loan was satisfied. 

XX/XX/XXXX called USAA bank to see if I can get my money back. Still nothing. 

I called USAA on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about helping get back my {$300.00} back into my checking account and stoping the automatic payment from happing again. Also, about title for the car no help just the same thing over and over nothing.
Product: Credit card

As someone who had previously worked in the credit card marketing industry for several years and also an avid user of credit cards from most issuers, I can attest that Citi is arguably the most dishonest company when it comes to bait and switch reward bonuses. Most recently, I applied for a new credit card, the Citi ThankYou Premier, and did not receive my new card for over one month after approval. Citi blamed this on difficulties they had in their card manufacturing department, and hence, all new accounts during an appx 2 weeks period would not be receiving their cards for several weeks after approval. The problem with this is the spend bonus for the new account was XXXX bonus points for {$3500.00} in new purchases within the first 90 days and the 90 days began 10 days after approval. They intentionally delayed shipment of the card and refused to rectify it by extending the time possible for earning the bonus ( i.e. adding 35 days to the time frame, in order to make up for their delay of shipment of the card ). This adversely affected me as I was not able to earn the bonus with normal spending and had to exceed normal spending to earn it. During an approximately 55 minute call I had with them regarding this, they agreed to give me a measly XXXX bonus points for the trouble, which would appear on the next billing statement. This never appeared despite multiple reassurences via their online customer support chat that it would. Most recently, now over 3 months later, they are refusing to honor it and claiming they never agreed to give XXXX bonus points. However this is all documented thoroughly on a recorded call which they refuse to review, despite me insisting through multiple online messages, they continuously respond with a boilerplate response they ca n't help and to have a nice day.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I sent {$120.00} to a friend, named XXXX XXXX, via PayPal. After many conversations with PayPal, they advised that there is another XXXX XXXX and my money was sent to him. PayPal has been unwilling to correct their error and return the money to my account. I did some XXXX research and found that the person they sent my money to actually passed away last year at age XXXX. Even after I brought this to their attention, they have still not corrected their mistake and returned my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact Experian, XXXX and XXXX to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.
Product: Debt collection

I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance.
Product: Debt collection

XXXX XXXX EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX has been sending me collections notices in the amount of {$220.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal social security and identification information was shared by Experian through the XXXX data breach. According to my credit reports, there is fraudulent activity that I did not authorize in a state I do not live in. The fraudulent activity took place during the summer of XXXX in line with the dates of the data breach.
Product: Mortgage

This is another ( out of many ) complaint against Citizen 's Bank and its fraudulent responses to our complaint to your office. Response we have received from Citizen 's bank dated XX/XX/2021 is nothing short of fraud. From XX/XX/XXXX to XX/XX/XXXX are only 27 days ( see copy of calculations attached ). Then there was a claim that interest from XXXX XXXX to XX/XX/2021 was {$51.00}. There was no such interest at all at any months in 2021. The following interests were charged to us : XXXX. ( i.e., computed for the month of XXXX ) - {$60.00} ; XXXX ( computed for the month of XXXX ) - {$53.00} ; XXXX. ( computed for the month of XXXX ) - {$56.00} ; XXXX. ( computed for the month of XXXX ) - XXXX ; XXXX ( computed for the month of XXXX ) - {$52.00}. Response ignored the issue of failing to account for {$1000.00} payment made in XXXX towards principal which apparently explained the interest charged in XXXX ( {$56.00} ) which was greater than the interest charged in XXXX. This is the reason of questionable " closing '' of our previous complaint with CFPB!
Product: Credit card

Last fall my Citi Credit Card was locked due to some " fraud '' they noticed on the account. I never saw any proof of fraudulent charges because I could no longer log into the account online to view the transactions. I've never seen an online account get locked also with the card. 

Anyway, I ended up getting a new card issued which required me to set up a new online account - something I've never had to do with XXXX or any other reputable credit card company. 

I am diligent about paying cards on time and using rewards programs. One of the main reasons I have this card is for its 5 % rewards on its highest category. 

After finally logging in, I see I have {$31.00} in rewards from last fall and have been unable to redeem them for a statement credit or for cash. It gives me this error : " We've experienced a system error. Please try again or select a different redemption option like statement credit, gift card or Shop with Points. '' I've called and asked for help- they just blame that there's some investigation going on for the fraud and that's why I can't redeem the points. None of the rewards dollars are associated with the " fraud '' but they also don't show me what the fraud was on the site. 

Either way, in this economy, them sitting on {$31.00} that is owed to me for greater than six months as part of the rewards program just seems dishonest. If there is a fraudulent purchase within that rewards amount, they should be able to easily adjust the amount owed to me and we can both move on with our lives. 

I don't want to use the credit card again until this is resolved because I fear I won't be able to accrue any rewards that I can cash in. They probably don't want me to use the card either because I pay on time and cash in on rewards. 

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

Starting in XX/XX/XXXX I sent a letter with my identity theft affidavit as well as my FTC and police report, state id, social security card, and bank statement for verification to Transunion Fraud Department. On that letter I also advised them that was not placed in error, and that I needed to have ALL fraudulent information blocked on my credit report. Transunion proceeded to send me a letter back stating that I made it in error and that the police report was not valid. In XXXX in XXXX I went to XXXX Police Department and they provided me an updated a credit report. On XX/XX/XXXX I sent a email to their fraud department at XXXX XXXX XXXX and this email was delivered it did not come back as undelivered to my email address, and sent a certified letter with all of this information to their address which they received and started my dispute process on XX/XX/XXXX. On XX/XX/XXXX in the mail I received another letter from them that states that they did not block my information due to them believing it was made in error though no error was made, at all, and all information was provided for them to block the fradulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this Spring Oaks Capital LLC collections with XXXX XXXX XXXX and informed XXXX XXXX XXXX that the account was opened with Spring Oaks Capital LLC fraudulently. Also reported that this collection account was showing as a open account on my credit report and shows a past due amount. XXXX did not remove the inaccurate item instead stated in the comments dispute resolved, customer disagrees. See attached files below to show this item showing on my XXXX credit report. I never opened any credit account of any sort with Spring Oaks Capital LLC and account should be removed from my XXXX Credit Report
Product: Debt collection

I have reported this already and got a response back on here in regard to contacting the office. I have contacted the person listed in the response from last and I left numerous voicemail to call me back. I never got a call back from the office or from that person. This is fraud and I want this remove from my account I have no recollection of this account. And quite honestly this isnt fair thats its put on my report and Im trying to resolve the issue but no one is contacting me back. I have XXXX kids and Im trying to have a good record on my report. But I am unable to get a reach of them.
Product: Credit card

I recently made a credit card payment to Citi online for {$2400.00}. As you can see on the screen shot that by making the payment in the amount of {$2400.00}, it would pay off my remaining adjusted New Balance + Flex Plan Monthly Payment. 
Please refer to XXXX Statement 2024 page 2 that shows my New Balance Breakout Adjusted New Balance : {$2600.00}. I also highlighted on that page my monthly Flex Plan amount requirement of {$290.00}. 
If you will open XXXX. Statement 2024 and go to page 2. You will see that I made 2 payments before the XXXX statement was issued. The total of said payments equals {$2900.00}. If you subtract the monthly Flex Plan payment of {$290.00} the remaining amount is {$2600.00} which was the remaining balance on my Adjusted New Balance listed on the XXXX Statement 2024. 
I contacted Cit on XX/XX/2024 after receiving my XXXX statement as it showed that I still owed money on the Adjusted New Balance. I requested a supervisor after the customer service rep did not listen to my complaint and only kept repeating what the credit card statement says. She would not listen to the fact that the credit card statement wording was null because the payment screen gave me the option to pay off the adjusted new balance instead of the extra payment going to the flex payment plan. 
The supervisor was not helpful either continuing to say basically the same thing that the customer service rep did. Towards the end of the call the supervisor said that I would receive a determination letter regarding my request. That there was no guarantee that they would make good on what they offered. I would get a decision in 3 to 5 days after my account was reviewed which is unacceptable. 
I was on the phone for 24 minutes with Citi and my issue was not resolved. I did inform the supervisor that I would be contacting the XXXX Attorney General, XXXX XXXX XXXX  and the Federal government if they didnt not correct this error. 
Citi is being deceitful, and their credit card accounts should be audited because if this happened to me then they are doing this to other borrowers. Please feel free to request my call log from Citi to show that I tried to explain to them the issue and it fell on deaf ears. You will hear as I get more frustrated as the call goes on because they are not listening to the facts.
Product: Debt or credit management

i have an outstanding debt currently and admin recovery is handling it. i have had them calling repeatedly through out my week both on my personal phone and directly to my job repeatedly, even when i have answered and told them i am busy and can not talk i will call back they still call me back again to harass me the phone right after i hang up. my coworkers have taken messages from a XXXX XXXX that works for admin recovery saying it sounds like an emergency and needs to hear from me today or asap and it sounded very important and the guy was trying to force them to get me on the phone, to give away a direct line which i dont have and to try and get more information on me. XXXX XXXX and admin recovery have called excessively to reach out to me through multiple channels, places and people. he has continued calling different departments at my workplace throughout the previous weeks in attempts someone will get me on the phone with him. i believe this is harassment and or abuse by XXXX XXXX and admin recovery per Fair Debt Collection Practices Act 15 USC 1601. i feel as if i have been harassed and abused. they place repetitious phone calls to both my personal line and reaching out to different coworkers of mine at my place of business near daily and send mail weekly. i have finally been able to reach them as of today, i was unable to speak to XXXX directly after speaking with someone else and expressing the abuse and harassment needs to stop they apologized and said they will speak to XXXX later when he is back with lunch and have him return my phone call. a while later i received a call from his manager. they claim to have removed my works phone number from their system now and wont call back again but that does not excuse or rectify the fact they have already crossed into the harassment territory. calling my phone and work regularly and interrupting our business seems to be harrasment, from my understanding they have not been following the FDCPA.
Product: Debt collection

I received a letter from a company called XXXX XXXX XXXX stating that I owed {$480.00} for a balance on a Capital One credit card ending in XXXX. I have two Capital One credit cards neither end in that number and both have zero balances. I went to Capital One and they have no record of it other than my two credit cards ending in different numbers. I have never received a past due notice nor has anything ever been on any of my three credit reports. I have had the same address for about ten years and same phone number and I have never heard anything from Capital One Bank. I tried to contact XXXX and not only were they rude but they informed me that they would obtain a judgement and I would have to pay more and that it would be better if I just paid the debt. Capital one advised me to not do that and to file a formal complaint.
Product: Debt collection

Second time summiting a complaint about this company they are liars and stated I called their office to ask them for medical financial help. That is Incorrect I called Credit control corporation to get an answers as to why this was being reported to my credit as I have XXXX and this information being reported is in fact in correct. I did not sign no papers with this company. 

They fell prey to hackers and now my information, including my full social security number are all over the dark web. Monitoring my credit is going to be an absolute nightmare. And I'm not alone in this. Read everyone else 's reviews. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed!!