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

I am writing regarding my recent dispute involving an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX. On XX/XX/2024, I submitted a formal dispute to TransUnion, identifying this account as fraudulent. Following this, on XX/XX/2024, the account was deleted from my credit report after I submitted an FTC Identity Theft Report. However, I was not notified of the account deletion, as required by Section 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ), which mandates that consumers be informed of the results of any dispute investigation.

Additionally, I am formally requesting all documentation related to dispute number XXXX, in accordance with my rights under 15 U.S.C. 1681g, which entitles consumers to access information in their file, including the results of any investigation and the source of disputed information. 

On XX/XX/2024, at XXXX XXXX XXXX, I spoke with a supervisor at TransUnion regarding this account. The supervisor informed me that the creditor, XXXX XXXX XXXX XXXX XXXX XXXX, had reinserted the account into my credit report. Despite my concerns, the representative stated that " TransUnion does not investigate disputes '' and that I would need to wait 30 days for the creditor to respond. This statement appears to conflict with the requirements of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which obligates a consumer reporting agency to conduct a reasonable reinvestigation of any disputed information unless the dispute is deemed frivolous or irrelevant.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that, if a deleted item is reinserted into a consumers file, the consumer must be notified within five business days, along with the reasons for the reinsertion and the source of the information. As of the date of this letter, I have not received any such notification.

I respectfully request immediate action to rectify this situation, including : 1. Documentation related to dispute number XXXX and the deletion of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 
2. Confirmation of the steps taken to investigate my original dispute, as required by law.

3. An explanation of how and why this account was reinserted without proper notification, per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply with these requests may result in further action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 6 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Six months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Financial Bureau, Consumer Services, I am writing to file a complaint against Wells Fargo regarding overcharging on my vehicle loan. I have recently discovered that Wells Fargo has been overcharging me for my vehicle loan by adding unnecessary fees and charges to my monthly payments. 

Upon reviewing my loan statements, I have found that there are several charges that were not properly disclosed to me at the time of signing the loan agreement. These charges include but are not limited to, application fees, processing fees, and other undisclosed charges that have resulted in a significant increase in my monthly payments. 

As a customer, I feel deceived and taken advantage of by these excessive charges. I believe that Wells Fargo 's actions are in violation of fair lending practices and have caused me undue financial hardship. 

Therefore, I am requesting a full refund of all overcharged fees and charges. I would appreciate your assistance in resolving this issue as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply to go for a Bankruptcy in 2019 on XXXX but after I apply I change my mind and I decide to work with my bank to pay .On XXXX/XXXX/2019 they report on my Credit
Product: Credit reporting or other personal consumer reports

I WANT MY ACCOUNT UPDATED AS PER 15USC1602P. THE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.
Product: Credit card or prepaid card

I have tried to contact Genesis- XXXX credit card and spoke with the rudest employee ever. I am trying to dispute a charge for the portion of the billed amount for my loveseat which is XXXX. 

Genesis has made it difficult to do this.
Product: Debt collection

I am writing to formally dispute the alleged debt referenced in your correspondence dated. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am requesting validation of this debt. Please provide the necessary documentation as required under the law.

I have the right to request validation of the debt, and you are required by law to cease all collection activities until you provide such validation. This includes but is not limited to : a copy of the original signed agreement, a detailed breakdown of the debt, and proof that you are legally authorized to collect this debt.

Please note that failure to provide the requested documentation will be considered a violation of the FDCPA. Should you fail to comply, I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office.

Furthermore, under 15 USC 1692e, I remind you that it is prohibited to make false, deceptive, or misleading representations in your communications. Should you fail to provide the requested validation, it will be considered a violation of this provision, and I will take appropriate action. 
Please respond to this request within the legally required 30 days from the receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 CITI Card CBNA added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CITI Card CBNA has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Debt collection

Recently received a collection notice from XXXX XXXX XXXX XXXX  for an account with Victoria Secrect that is not my debit. This is a fraudulent account.
Product: Money transfer, virtual currency, or money service

I had a balance of {XXXX in my Venmo account. I sent it to a friend. Next day my account got frozen. Hers did as well. The money got returned to my account. I was told by Venmo via email that I would need to provide my ID card which I did. After they received my a picture of my ID card, the account specialist reached out to me saying that my account has been permanently deactivated and I wont be able to use Venmo services anymore. After that the balance on my Venmo disappeared. Now it says {$0.00} I messaged the Venmo account specialist again and I keep asking what happened to my balance, where did it go. He refuses to answer my question related to the balance. All he keeps saying is that he cant divulge the reasons why my account is being deactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB for Experian, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Experian is still reporting 3 companies that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Experian is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.
Product: Debt collection

North Star contacted me in a letter on XX/XX/year> stating that North Star didn't purchase this account from XXXX but i have a letter in my possession from North Star dated XX/XX/year> that says otherwise. NorthStar requested me to pay money i do not owe them. NorthStar Location Services LLC purchased my information from XXXX which is identity theft. NorthStar stated in the letter that XXXX XXXX XXXX received an account in my name with a XXXX balance with a payment of only XXXX which is a deceptive practice because i never had a binding contract with XXXX or NorthStar. I am owed {$1000.00} for this violation per the FCRA.
Product: Credit card or prepaid card

Citibank XXXX employees in their XXXX Department has racially profiled me because I am a XXXX woman! Citibank declared me Deceased unlawfully because I am alive! Citibank stated that Impersonating a Deceased Relative! Citibank has falsified my account records! I applied for my card using my name, date of birth, social security number, address, and cellphone number! I am not impersonating anyone! I am XXXX XXXX! Citibank sent Police to my home based on my Race and to have me killed by the Police to justify their XXXX lies that I am deceased! Citibank ongoing harassment is based on my Race and gender as an XXXX American woman! Citibank has discriminated against because of my Race! Citibank made false accusations against me. Citibank is still harassing me! Citibank closed my credit card account based on my Race and because I was shopping while being XXXX! Citibank has caused me tremendous financial damage by their XXXX profiling and discrimination based on my Race and gender! Citibank has falsified my account notes to cover up their ongoing business practices of targeting XXXX customers and causing XXXX customers financial harm! The latest racially motivated discrimination incident on XX/XX/2023 by Citibank against me is that they sent fraudulent documents to XXXX stating, XXXX XXXX is deceased and that all my credit was obtained because Im impersonating XXXX XXXX a deceased relative. I am not deceased! I am XXXX XXXX. This is racism at the highest levels! Only a XXXX XXXX can declare me as being dead! Not Citbank! Citibank has refused to reissue me a working credit card because I am a XXXX customer! Citibank is destroying my credit and continues to discriminate against me and still refuses to stop their ongoing harassment and abuse towards me because I am a XXXX American woman! There is a call made on Saturday XX/XX/XXXX in which Citibank CSR stated that Account was opened by impersonating a deceased relative! Thats a blatant lie! I am XXXX XXXX I applied using my name, date of birth, address, social security number and cell number! Citibank stating I am deceased is their racism and their decision to sent Police to my home in false accusations was to have the Police to kill me because of my Race as a XXXX American woman!
Product: Student loan

XX/XX/XXXX bill from Navient for XXXX. Paid XXXX through auto pay which processed on XX/XX/XXXX confirmation sent from Navient. XX/XX/XXXX payment said not made. Called customer service they said they would apply it and get it fixed. XX/XX/XXXX notice from Navient my student loans were paid off, went into site to find accounts said XXXX balance but that I owed XXXX still even though I had only borrowed 30 something thousand to begin with. It is also not showing my XXXX payment and says I only owe XXXX in XXXX. Clearly they have misplaced payments and I'm highly concerned about why I owe more now after over 10 years of payments then I started with.
Product: Checking or savings account

I have deeply concern about the way Morgan Chase Bank does their business. I linked an external account of mine ( at XXXX XXXX XXXX  ) for transfer purpose, which was confirmed by Chase and I was also able to transfer my money to this external account. However, in order to prevent me to further transfer money from Chase to my other bank account, Chase required me to go to a local branch and explain to them the reason, even I don't believe Chase has the right to ask this question, I went to a Chase local branch and answered their questions. However, Chase still deleted my external account without my notice and permission. In order to add my external bank account again, I have to go through the length validation process. I highly suspect Chase bank want to play an unfair competition with other banks. 
I believe as a customer, I have the right to freely transfer my money between my accounts at different banks. What the Chase had done with my account is illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2021 I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity FTC report because i found inaccurate accounts on my credit report and nobody is helping me.
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX Account Number XXXX as a charge-off.

My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Given that the original creditor has charged off said account on their taxes as a loss, received credit for said loss, and reported to the IRS as my income ( via the 1099-C that I never received ), they are reporting my income ( not a debt ). Reporting income is not compliant with the FCRA and is a massive invasion of my privacy. Due to the charge-off on my report, a recent loan and charge card application was denied. Additionally, I'm unable to purchase a home or car and this has caused extreme emotional distress.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

Prior case XXXX which has not been responded about payment not applied during the Forbearance time. The payment t was not applied and returned. 
Several payments have been sent and have not been applied and returned to thr checking account which has always been used for payments. 
A payment in thr amount of {$4800.00} was received by them on XX/XX/XXXX and again, it was returned. 
A payment in thr amount of {$6200.00} was made on XX/XX/XXXX and ir has not been applied again. It was ro paid XX/XX/XXXX, XX/XX/XXXX, XXXX. Payment have been returned since XX/XX/XXXX even though it was during thr Forbearance period. 
If this account goes into Foreclosure, proof thr payments were sent and the funds were cleared will be provided. Per the statements provided by sls, the payments are sent to the address the statement given. The payment breakdown has been provided on the statement and met. 
SLS has no interest in applying the payment and continues to report based on their Refusal to defer thr payments during the Forbearand and Refusal to apply the payments received.

The payments up to the current month were sent.

SLS is not interested and only wants to take away the property.

This will go great in Mediation if it goes into Foreclosure because all the receipts will be provided to the Judge, as well as, these attempts via CFPB.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX  IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.COLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN 2020 AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I was taken aback by the numerous errors in reporting that I encountered. It was truly unbelievable to witness such inaccuracies. 

I urge you to investigate and examine the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

It is imperative that you rectify these inaccuracies promptly. Otherwise, I fear that my applications for various services may be denied due to these discrepancies. I have already faced rejections from two sources. 

Please do not disregard my plea for assistance. I urgently require your intervention to ensure that the aforementioned accounts are accurately reported as being in good standing.