23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

UNFAIR OR DECEPTIVE ACT OR PRACTICE BY BESTBUY On XXXX, I placed a call to BestBuy Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services Staff XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. 

I would like to request that this unauthorized hard inquiry in my XXXX report by BestBuy and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. 

Copy of FTC complaint filed attached
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX  XXXX XXXX  # XXXX XXXX  XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Mortgage

Suspect fraudulent activity committed by Wells Fargo on my mortgage account ( through Wells Fargo ) : 1 ). Wells Fargo has committed a breach in home loan contract. <P/>2 ). Home mortgage payments have increased for property taxes & insurance without probable cause. Changes and/or justification provided by Wells Faro does not reflect current # s on assessor 's  website and other supporting documents ( please see attached ). <P/>3 ). XX/XX/XXXX - Purchased home through Wells Fargo standard home loan. <P/>4 ). XX/XX/XXXX - Performed ( current ) loan modification through Wells Fargo. Decreased payments to ~ {$1500.00} now over ~ {$2000.00} ( please see attached supporting documents for home loan # ). <P/>5 ). XX/XX/XXXX - Received payment adjustment notification via mail that property taxes & insurance increased. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. <P/>6 ). XX/XX/XXXX - Received additional payment adjustment notification via mail that property taxes & insurance had once again increased and that once paid in full monthly mortgage would increase. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. Currently making scheduled payments through XX/XX/XXXX ( please see attached supporting documents ). <P/>7 ). XX/XX/XXXX - Red flags in question : when compared to dates & # s listed on the assessor 's website they do not align. Property taxes & insurance have not increased in at least 2 years. They make claims that property taxes & insurance payments were paid late ( by Wells Fargo themselves as I do not have a personal impound account, Wells Fargo handles all property taxes & insurance payments ) when in fact reflect an earlier date on assessor 's page. They incorporated a payment increase justification due to claims of a 'Projected ' increase for XX/XX/XXXX ( noted on reverse side of notification, see  attached ). No clear explanation/justification for increases has been provided by Wells Fargo to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters to all XXXX credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. XXXX weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are Exeter Finance XXXX XXXX XXXX XXXX bank and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed and disputed with Equifax regarding negative hard feelings inquiries should be deleted from my report as well as with XXXX but I feel like no matter what I do they are ignoring me regarding my credit report.
Product: Debt collection

I am receiving calls at home, and work telling me that legal action will be taken on a payday loan that was illegal in the state of Virginia
Product: Debt collection

Debt collector called cell phone and Work which I ask not to 4 times and got threatened. Collector acted like a old girlfriend, I couldnt get information out of them
Product: Checking or savings account

Dear CFPB, In XX/XX/year>2022, I received a letter from Chase stating that all my accounts would be closed on XX/XX/year>2022. I was given no reason for this decision, which was surprising since I had been a customer for over 10 years, regularly using both my banking and credit accounts without issue. 

To understand why this was happening, I visited two different Chase branches. Both account managers reviewed my history and said there was nothing in my records that would justify the closure. One manager speculated that it might be related to my employment at XXXX, suggesting Chase may not do business with certain industries. However I was only an employee there and not operating a business through my accounts. 

I also called Chase customer service multiple times and was eventually given an email contact for the person who initiated the closure. Despite my efforts, I never received a response. 

I am requesting the CFPBs assistance in obtaining a reason for my account closure and ensuring that Chase is not shutting down accounts without proper justification. 

Thank you for your time and assistance. 

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

Im not too educated on credit so when i checked mines for the first time i seen many inaccurate information, and accounts that i never knew anything about. Ive been very stressed because this info has hindered me from getting credit, i would like these thing to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Transunion. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed said accounts several times and your company ( Equifax or XXXX ) failed to dispute and/or did not notify me for permission to even post ANYthing on my credit report about this alleged debt. Therefore, Equifax, I inform you that the subject account being reported by your company has received a cease and desist letter ( formal ) and therefore ANY communication regarding this account is in direct violation of Fair Debt Collection Practices Act ( FDCPA ). 

This complain has also been submitted through CFBP ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Please remove any variation of my name that are not XXXX XXXX XXXX I have attached my birth certificate. 


Please remove any addresses that are not XXXX XXXX XXXX XXXX PA XXXX. 

I have attached my Drivers License.
Product: Credit reporting or other personal consumer reports

I opened an account with NFCU in XXXX. Beginning XXXX of XXXX, my credit card account became delinquent. ( I received this information from a customer service representative since filing my first report ). She advised me that the item should no longer be on my credit considering the dates of delinquency. I requested my credit card statements from XXXX to XXXX on XX/XX/XXXX, and I never received them. I called them again on XX/XX/XXXX and was told that they were sent out, however they never showed in my XXXX XXXX XXXX. I was told that it would be better if I went into a branch and get the statements printed out at the branch. I drove 2 hours to the nearest branch and was told that they could not print them out for me and would have to mail them instead. I received the wrong statement ( checking account ) on XX/XX/XXXX, so I called again ( request my call logs from NFCU and everything in the statement is true ) I called again informing them that I needed my statements from XXXX and XXXX and he advised me that my first date of delinquency was in XX/XX/XXXX. NFCU are using the date from collections not my first date of delinquency. I wouldn't have thought anything of it if they would've just sent me the documents request but they are taking me through a lot just to get documents to prove the information is listed incorrectly on my credit report. I'm not sure what information you ask them to provide to verify what they are saying but I'm hoping you request information to acknowledge everything that I am saying. NFCU are doing this purposely! I have disputed this information so many times to the point I feel that no one is taking me seriously. I'm in the process of purchasing a home after being turned down repeatedly and this is incorrect information that shouldn't be on my credit to begin with. I'm battling XXXX XXXX XXXXXXXX and it is certain things that I am trying to accomplish so please do me a favor and ask for my XXXX, XXXX, XXXX and XXXX of XXXX credit card statements. You will see that I'm telling the truth. They have also restricted my banking account and I spoke with a CSR and cleared it up and they still want to keep the restriction on my account. As stated, I have had this account since XXXX without any problems and after I reached out to you they restricted my account stating that I had 2 accounts. ( 12 years later??? ) I also stated that I live 2 hours away from a branch and they told me that I would have to visit a branch to get money from my account. ( This is not only retaliation but harassment as well ). I'm hoping you can assist me with making this right. I will also reach out to the attorney general. I'm praying that you investigate my complaint thoroughly. Thank you!
Product: Mortgage

**NOT A DUPLICATE COMPLAINT**ATTACHMENTS INCLUDED Starting back in XX/XX/2016, I began disputing the multiple late payments showing on credit reports from XXXX, XXXX , and XXXX. I informed them that the information is being reported inaccurately and that they needed to provide me with proof showing late payments. The first response from Flagstar Bank was that they needed additional information for proof of identity and I sent them, again, copy of my driver 's license and social security card along with a utility bill. To date, they have not investigated these inaccuracies and keep sending what I consider, " stall letters ''. They have also failed to mark on my credit reports that I am disputing these items - multiple violations of the federal law. I can send the copies of the letters I have sent to date if needed.
Product: Mortgage

I've been having trouble accessing the website and I have also been calling on the phone for several days and the automated system keeps saying that phone representatives are not available. I tried to set up an automatic payment on the same phone system and it immediately disconnected. 

When I was able to get access to the online system after several tries, there was no record of my having sent a payment for XXXX the XXXX, and I did send it and I have proof that the payment came out of my checking account. 

Also, somehow they lost all of my checking account information in the online system and I'm not sure if that has something to do with it.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX SSN : XXXX To : Self Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher Ref XXXX XXXXXXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible 1. Close the unauthorized account 2. Remove any charges on the
unauthorized account, and 3. Take steps to remove information about this account from my credit files.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. Email Me XXXX XXXX XXXXXXXX ) OR send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information
Product: Checking or savings account

I had fraud on my account from " XXXX '' that charged me for several thousands of dollars, so I called chime customer support to report it and file a dispute. However after the dispute was filed I went and found out that only XXXX transactions were placed on the dispute. So again I called customer support and told them that these other transactions needed to be added to my original dispute, they said they could not do that but they would just open a separate dispute and it wouldn't be an issue. Well I didn't see the email at the time but now that I got a final decision on my original claim I see that they almost immediately denied the XXXX claim, I mean they denied it so fast they couldn't have possible done anything. So my original claim was approved and I received the funds for that, however the XXXX claim which held the vast majority of the fraudulent transactions was denied. Clearly this must all be a big mistake, if my first claim was approved then clearly the XXXX should have almost been approved. This is getting highly irritating and I dont want to have to invest money into a lawyer or spend time mass mailing local investigative news crews.
Product: Debt collection

NOTICE FOR REQUEST OF INFORMATION AND & NOTICE TO CEASE AND DESIST INTENT TO SUE PLAINTIFF :. XXXX : XXXX. 
DEFENDANT : BECHTLE THADDEUS XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $???? 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : BECHTLE THADDEUS XXXX XXXX  STOP VIOLATING THE FDCPA USC 1692D
Product: Credit card or prepaid card

On XX/XX/2019, I applied the Citi Premier Card which include a welcome bonus of XXXX TYP after spending XXXX in the first 3 months. 
However, after I make over 5k purchases in 3 months still didnot receive the bonus. 

The CS told me I have same card previously and just closed on XXXX so I do not qualify for the welcome bonus. The closed card was under my husband 's name. not mine. 

I believe I am still qualify for the welcome bonus.
Product: Debt collection

XXXX I sent Fair Collections & Outsourcing a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1692 ( c ). I XXXX XXXX, the consumer, did not enter into any contract with this third party purchaser. I was not informed or consented for any sale or transfer between XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willingly purchased my personal information as an unauthorized third party without my knowlege or consent. No consent from the consumer is considered IDENTITY THEFT. XXXX continues to ignore all written correspondence and continues to knowingly and willingly attempt to tell me I owe them a debt and furnish inaccurate and false information to credit reorting agencies. At this time I am due remedy for these violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX, Acct XXXX XXXX, Acct XXXXXXXX XXXX XXXX XXXX  has violated my rights to privacy. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have requested Citibank the issuer of my CITI Thankyou Preferred master card to resolve my access to my online account so that I can view my online bills, make payments and access other rewards/points services associated with the account. 

The issue has been unresolved and my only access to bill statement is via my bank through which I have signed to receive ebill statements. 

The primary issue in resetting access to the online account is due to the fact the number registed with my account is a voip ( voice over IP ) number and is not a cell number which can receive text messages. Even though citi reset links on it web page provide the " call me " options, it doesn't operate as advertised and treats it as a textable number. 

On numerous occasions citi 's customer support denied to update the number to a cell number to resolve the issue or provide alternate means to resolve the issue for eg. a reset option via US postal service to the customer address on file. 

When the customer support did walk through the process of updating the record with the cell number it did not reflect on the website reset options. The customer support suggestion to create a new online account/identity is not supported by https : //www.citi.com/credit-cards/home for an existing registered identity associated with the card holder. 

I had also posted via certified mail a letter to Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/2020 which did not elicit any response. 

At this point I am left with no recourse but to file a complaint with consumer finance.gov.
Product: Credit reporting or other personal consumer reports

The response from the last dispute to Experian, XXXX, and XXXX all came back as verified as accurate. I am demanding a reinvestigation because according to 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I would like these inaccurate accounts deleted immediately. Also my one and only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX my phone number is XXXX. Any other information they have is incorrect, and is related to fraud. I am a victim of identity theft, and am attaching my reports as well. These accounts are fraud related, and they are violating 15 U.S.C. 1681b Permissible purposes of consumer reports 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 15 U.S. Code 1681n - Civil liability for willful noncompliance I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i Procedure in case of disputed accuracy 15 U.S. Code 1666b Timing of payments It is up to {$1000.00} per violation. Please correct my credit immediately. 

XXXX XXXX