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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts are : 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. Debt recovery solution.has violated my rights. And 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX
Product: Prepaid card

I did Not order a new card from AMERICAN EXPRESS BLUEBIRD. I WAS NOTIFIED VIA EMAIL THAT A CARD WAS ORDERED AND ON IT'S WAY TO XXXX XXXX XXXX XXXX, XXXX XXXX, MN. XXXX. THE EMAIL SAYS THE CARD ENDS IN XXXX and was processed at XXXX XXXX today. Please keep my card ending in XXXX activated and the only card that gets direct deposit. Please Report this to The above mentioned entity. My phone service has not been working. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 Balance {$7100.00} This is FRAUD! I reported this fraudulent account to XXXX XXXX months ago and they assured me they would take care of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called capital one about limit sharing information at XXXX at : XXXX/XXXX/XXXX in XXXX and XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

Note : I waited over twenty minutes on my cell phone on the dates above. I contacted XXXX XXXX at XXXX i contacted XXXX XXXX XXXX at XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX gave me contact number XXXX. I called this number and waited over twenty minutes again. - NOTHING BUT A RECORDING!!! 
PLEASE CALL ME!!
Product: Mortgage

We applied for XXXX relief during the pandemic as we were struggling to make payments. Wells Fargo offered forbearance terms and stated that they would just put the missed payments on the back end of the loan. Our payments were about {$1800.00} per month and we took the forbearance period of the XXXX  months or so that was allowed. 
Well Fargo added {$30000.00} to our original loan amount. We paid {$330000.00} for our home and they raised that value to {$360000.00} and added XXXX  years to our mortgage. We now have a XXXX  year mortgage instead of XXXX. 
They have also raised our payments multiple times since we started paying again. We have contacted them several times and haven't had any luck. This is criminal to a hard working family of XXXX. 
We were told the forbearance was federally assisted and our terms wouldn't change.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax XXXX XXXX  XXXX XXXX Account Numbers XXXX XXXX ( XXXX, XXXX, Equifax ) XXXX ( XXXX, XXXX, Equifax ) XXXX  XXXX XXXX  Account Number : XXXX ( XXXX, XXXX ) XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) Under 15 U.S.C . 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.
Product: Debt collection

They called my cell phone to get a hold of my husband, I called them back asking what it was about and they told me to tell my husband to grow up and pay the bill. They also said that their records indicate me ina " negative light '' and she wanted me to tell my side of the story before putting in her recommendation. They've called me twice and said they were going to take legal action.
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681.

I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX XXXX from XXXX  XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Product: Debt collection

It was closed and reopened out of no where. This isnt legal
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 15 U.S.C 1681. 

XXXX  XXXX Has violated my rights. 
XXXX XXXX XXXXXXXX Has violated my rights. 
XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Processed a XXXX ' transfer to my mother in the XXXX for XXXX XXXX. Wise needed verification of some documents, which we provided so after a short delay it went through. 

Processed the full transfer amount ( repayment to my mother for some monies she lent us XXXX  in the XXXX visiting ). Transferred this and money was taken on XX/XX/18. It has now been out of our account for XXXX XXXX  and they are still saying there is a 'hold ' for verification, but they do not have any request for information or any further action. 

Thanks
Product: Checking or savings account

I deposited XXXX cashier checks on XXXX. {$160.00} was made available to me after the cashier check covered an insufficient account. I then was told that the bank had made a small amount of money available. I went back to the bank a few minutes later and took out the money. The next day they reversed everything and I now have over XXXX XXXX dollars below, insufficient funds. They have told me that further review may result in not having deposit availability, and reversed one fee. The banking institution is Chase Bank. I Now will get a few insufficient fund few do to this hold. This is not ethical.
Product: Money transfer, virtual currency, or money service

None of the choices apply to my problem. XXXX XXXX, an investment firm, bought a {$40000.00} cd from Citibank on XX/XX/ for my IRA ( matures XXXX ). Interest is supposed to be payable quarterly. We filed a complaint with XXXX on the investment firm and settled with the investment firm ( then XXXX ). 

However, we still have the investment and can not afford to cash it in because we would lose half the money. I'm sure I won't be around in XXXX since I am XXXX XXXX XXXX. I never should have been sold that investment, thus the complaint with XXXX. 

I called XXXX and they said I should call the Federal Reserve Consumer help line. They said I should call your agency. I tried everything I could think of to call Citibank, to no avail. 

This type of investment should be illegal. As I said it was purchased in XXXX That year it paid {$3000.00} in interest, {$2100.00} in XXXX, {$500.00} in XXXX, {$230.00} in XXXX. {$0.00} in XXXX, {$0.00} in XXXX, {$0.00} in XXXX. {$980.00} in XXXX and {$0.00} in XXXX. I feel totally taken advantage of by Citibank! They are using my money for practically free and that is NOT RIGHT. I am retired and am on a limited income. I don't know where to turn.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX United States I hope this letter finds you well. I am writing to formally dispute the accuracy and completeness of certain charge-off accounts appearing on my credit report, as allowed under 15 U.S.C. 1681e ( j ) of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to highlight the following federal violations that I believe TransUnion is responsible for in relation to my case : 1. Failure to Mark Accounts as Disputed : Under 15 U.S.C. 1681i ( c ), TransUnion is required to mark accounts as disputed once Ive filed a formal dispute. These accounts have not been updated, which violates this section of the FCRA.

2. Failure to Conduct a Reasonable Investigation : According to 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion must conduct a reasonable investigation of any disputed information. So far, Ive seen no evidence that this has been done.

3. Failure to Provide Accurate Information : Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure that the information they report is as accurate as possible. By keeping inaccurate or unverifiable accounts on my report, TransUnion is not complying with this requirement.

4. Failure to Remove Unverified Information : Per 15 U.S.C. 1681i ( a ) ( 5 ), if TransUnion can not verify the disputed information within 30 days, it must be removed. This hasnt been done in my case, and its a clear violation of the FCRA.

5. Failure to Reinvestigate Disputed Information : As outlined in 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, TransUnion must notify the creditor ( the furnisher of the information ) so they can reinvestigate. If that process hasnt taken place, this is another serious violation. 

Accounts to be Verified or Removed : XXXX XXXX Account number : XX/XX/XXXXAccount number : XXXX XXXX XX/XX/XXXXXXXX Account number : XXXX XXXX XXXX Account number : XXXXXX/XX/XXXXXXXX Account number : XXXX Additionally, Im requesting the removal of non-account-holding inquiries over 30 days old : XX/XX/XXXX Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX Finally, please add a promotional suppression to my credit file to prevent my information from being used for promotional purposes by creditors and insurers. 

I expect that these issues will be resolved promptly and that my rights under the FCRA will be respected. Please respond within the legally mandated timeframe. 

Thank you for your attention to this matter. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the fraudulent collection XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1400.00} ). Attached is the dispute I mail them certified mail. To this date they have not respond to my dispute or remove the fraudulent collection.
Product: Credit reporting or other personal consumer reports

Ive sent several disputes to this company via this portal now Im confused as to why they can keep reporting information that the FCRA does not warrant per Section 603 15 USC 1681a which i will provide a copy of highlighted where they are clearly violating.
Product: Credit reporting

Over the past month I have watched my credit score with Equifax fluctuate on a daily basis, ranging in dropping scores of almost XXXX points in less than one day, to raising, dropping, raising, dropping etc ... XXXX XXXX, 2015 ( score XXXX ), but that changed when I reported inaccuracies to this agency and my report was in the process of being replaced with the outdated information. On XXXX XXXX, 2015 ( score XXXX ), XXXX XXXX, 2015 ( score XXXX ) and today, XXXX XXXX, 2015 it is back down to ( score XXXX ). 
I have reviewed information contained on both XXXX XXXX and XXXX XXXX credit files and they have added items that are incorrect, deleted previously populated data and have basically frozen my account with DISPUTES on all accounts. Also, on a daily basis I receive emails telling me that my DISPUTES have been completed and that I can view the results online. However, if I look at them during that current time, they are stuck in the UNDER INVESTIGATION mode. 
I would like for Equifax to remove all history & disputes associated with my accounts as of today and repopulate my account with the XXXX XXXX, 2015 report and END ALL INVESTIGATIONS & DISPUTES from my account, and delete any DISPUTE comments made. The XXXX XXXX report is the closest report I can find in the past 4 months that appears to have accurate information on it, and I would like to start " fresh '' with that information and let my creditors update that information monthly as they 're required to do anyway. 
I have attempted to contact them over XXXX times to resolve the discrepancies and I have contacted the " Dispute '' department, who transfers me to the " Customer Service '' department, who then hangs up on me. This is either incompetence or fraud on their part, but they can go a long way to fixing the issues by restoring my reports.
Product: Credit card or prepaid card

Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects my credit score
Product: Money transfer, virtual currency, or money service

I have been victim of Scam through email since they ( scammer ) were pretending as legitimate Job offer. They asked me to pay their vendor to deliver the homeoffice stuff such as laptop, cell phone, desk. chair etc. It was remote work position and they sent me the first check of {$6400.00} ( turned out to be returned later ) and asked me to deposit the check via BOA ( Bank of America ) mobile app immediately. Which I did rightaway. Next morning which was Saturday XX/XX/year> I rushed to Bank of America and performed the wire transaction of {$6500.00}. Next week Monday evening I noticed this job offer is scammed and XXXX XX/XX/year> reported to BOA fraud department to halt this wire transaction if possible. In the meantime the Funds were went out from my account and deposited to scammer account in XXXX XXXX. 

I opened the case with BOA and they reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX still working on this issue/case as of to date. 

My point is kindly reach out why BOA took few day to inform the XXXX XXXX about the scam transaction Secondly, Please ask the XXXX XXXX to provide the update on progress of the case. BOA sent a reminder to XXXX XXXX XXXX XXXX  They have not heard back anything form XXXX XXXX. 

I am still unsure that the Funds will be recovered or not? 

I would be appreciated this effort from your end and hoping will get something in favour.
Product: Checking or savings account

Account always had hidden over draft fees being taking out multiple times on same transaction
Product: Debt collection

I will be filing a federal lawsuit soon aganist this collection agency and creditorI wasnt given any pandemic relief I wasnt offer a payment plan .When I lost my job.I let them know and they did nothing to help me.This account shouldnt been charged off.So I am taking this to court
Product: Credit reporting or other personal consumer reports

These Accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Inquiries : 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 or prepaid card

XX/XX/XXXX XXXX XXXX Executive Response Unit XXXX Citibank Office of the President XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX CitiBusiness Account ending in XXXX Dear XXXX XXXX, I have received your XX/XX/XXXX letter on XX/XX/XXXX. 

Your letter is misleading and incorrect. It indicates that you have not read our information submitted and that you are not making a good faith attempt to resolve this situation. 

First, I did receive a voice mail message from you and I retuned that call. I also left a voice mail message indicating that the number you called was my cell phone and it would be better if you could call my office number which I also left or you ( XXXX ). I explained that I turn my cell phone ringer off while I am at work. I told you about The information below, specifically that the Tip and Tell indicator was activated and that the oven was not received in good condition. You did not call back until about XX/XX/XXXX, but you called my cell phone again and left no message. I did return the call and left y0ou another voice mail message. 

Second, I never nor did my son indicate that the shipment was in good condition. We noted that the Tip and Tell Indicator was activated demonstrating that the oven had been tipped over during transit before it was delivered to us. This was noted on the delivery bill that was signed by the driver and my son. A copy of this was included in our claim. 

The driver was in a hurry and just left the crate ( telling my son that the Tip and Tell Indicator ) note on the delivery bill would be sufficient if there were any internal issues. The oven was difficult to uncrate and remove the wooden crate material so it took us a few days before we could unpack the oven of and perform an internal inspection. After uncrating and inspecting the oven we contacted merchant by email indicating there were problems with oven. The oven showed images of a significant number of scratches, indicating the oven was not new and had been a used and repackaged oven or damaged in warehouse or shipment. 

We tried to use the oven, but it did not function correctly ( we do not know if these were shipping damages or manufacturing defects ). 

Therefore, the oven was not delivered and received in satisfactory condition. The oven had marks on it externally and the oven did not function correctly. We told the merchant that we wanted to return the oven because of the damages and the merchant agreed to take it back. First, the merchant asked us to prepare the oven-packing crate for return shipment and we told them we did not have the carpentry skills necessary to prepare the oven crate for return shipping. The merchant asked us to locate a handyman to prepare the crate and we told them we do not know a handyman that could do the necessary work. Finally, the Merchant told us they would look for someone to assist with the crating of the oven for return -- -that is the last communication we received from the Merchant on XX/XX/XXXX. 



We want to return the oven to the merchant and they should be responsible for creating and preparing the oven for shipment and for shipping costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.