23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Date : XX/XX/2021 I recently purchased XXXX XXXX, and XXXX failed to protect my information when a variety of back to back charges were made on my Citibank card for products completely out of my consumer habits which Citibank failed to recognize. ( a series of XXXX games, charged at approximately XXXX ) I immediately contacted XXXX in writing. The by phone the next day. XXXX only refunded one of the charge ( currently in dispute with them now ). XXXX also removed the card from my account and changed my password. 

I contacted Citibank Fraud department two days after the multiple charges were made. I have been a longtime customer of Citibank and approximately only once requested a refund on a false charge prior to this one. 

Citibank canceled my current card and sent me a new one and put a temporary refund on the charges. After XXXX disputed with Citibank and insisted that these charges were legitimate due to the fact the charges were made on my card in my name, and then showed usage, Citibank refused to refund more than {$5.00} of the approximately just under {$200.00} charges. Honestly a small amount for a company such as Citibank and a very XXXX  way to treat a customer - treating them as if they are lying to get out of a less than {$200.00} charge. 

Along with the major inconvenience of changing and updating my card on all automatic bill payments ( over less than {$200.00} ), I also provided screenshots of my conversation with XXXX, proving I contacted them immediately. 

Despite all of the above, Citibank still concluded that I was attempting to deceive them to avoid a just under {$200.00} charge. A really XXXX  way to treat a customer.
Product: Credit reporting or other personal consumer reports

I received a letter dated XX/XX/year> from XXXX, stating that my XXXX XXXX XXXX XXXXXXXX credit line had been reduced based on information it had received from Trans Union. It then listed the factors on the credit report from Trans Union. Of course, this information is false. 
I contacted XXXX to dispute the information listed in its letter was incorrect, and I requested a copy of the report it had received from TransUnion. 

Then, I contacted TransUnion. After going around in circles with them for two days, I finally got a real person to speak to. I told him the reason for my call. He verified that the only negative information on my credit file with them was a late payment reported by XXXX. Nothing else. I asked him to send a copy of the credit report it had submitted to XXXX. He said it would take approximately seven ( 7 ) business days. To date, I have not received such a report. 

These companies receive millions of dollars selling our personal information to the highest bidders. We get nothing in return. They want us to pay them to obtain our information. They need to be more responsible and held accountable for providing false information that adversely affects consumers ' financial status.
Product: Credit card or prepaid card

This account that is being reported 30 days late on my credit report on XX/XX/2018 does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Debt collection

In early XXXX, I received a collection letter from United Collection Bureau attempting to collect on a debt owed to XXXX. I paid it right away because I was concerned about being sued ( see attachment showing payment of {$98.00} on XX/XX/XXXX ). 

I then received a bill direct from XXXX requesting payment. I didnt realize it was for the same debt so I went ahead and paid it ( see attachment showing payment of {$98.00} on XX/XX/XXXX ). 

Around XX/XX/XXXX I realized my mistake and called XXXX. The employee told me they did received the payment and it was sent to United Collection Bureau because that is who they sold the debt to. 

I then called United Collection Bureau to request a refund of my overpayment. An employee there told me the debt WAS NOT sold to United Collection Bureau and that it was only assigned to them for collections. She said that they did not receive my payment from XXXX, but if they do they would refund it within 30 days. 

It has now been more than 30 days and I have not received a refund for my overpayment. XXXX states the debt was sold to United Collection Bureau and United Collection Bureau states XXXX owns the debt. I dont even know who I can contact at this point. I just want my overpayment refunded.
Product: Money transfer, virtual currency, or money service

Commencing on or from the XXXX of XX/XX/2021 through the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing PNC Financial Services Group services
Product: Debt collection

This is not my debt. I have tried to get verification from them and they have not provided me with the information necessary to verify the debt. They are reporting this debt to my credit report and continue to communicate with me about collecting the debts. Specifically, they are being sneaky about identifying the date of the alleged debt. Specifically, they are not providing me with any information about when the debts was supposedly incurred.
Product: Debt collection

I am writing to express my extreme frustration and concern regarding a critical matter that demands your immediate attention. It has come to my notice that there are instances of identity theft on my credit report, and I demand that you take swift action to rectify this situation without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon recent scrutiny of my credit report, I discovered fraudulent entries that are severely impacting my credit score. It is absolutely unacceptable that such inaccuracies persist on my credit profile, jeopardizing my financial well-being. I have attached a copy of my credit report highlighting the fraudulent items for your reference. 

Identity theft is a serious violation, and I expect TransUnion, as a reputable credit bureau, to address this matter with the urgency and severity it deserves. The fraudulent entries include : XXXX XXXX XXXX XXXXXXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand the immediate removal and deletion of these fraudulent entries from my credit report. This is not only a breach of my financial security but also a violation of the trust I place in TransUnion to maintain accurate and secure credit information. I have taken steps to report this identity theft to the relevant authorities, and I expect your full cooperation in expediting the investigation and resolution of this matter. 

Failure to comply with this request will leave me with no choice but to explore legal avenues to protect my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social- XXXX, DOB- XX/XX/XXXX. 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 on XX/XX/XXXX under the account numbeXXXX, a personal CREDIT CARD account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a credit card account opened at XXXXXXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX account number ( XXXX ), a personal credit card opened at XXXX XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit card

Big Lots department store reversed a charge made on my credit card, in which they sent me an email to back up my claim. I forward the email to Comenity Capital Bank to revolve this issue. The credit card company is refusing to honor the determination made by Big Lots. Because of their refusal, my credit score has been affected negatively. This issue has been going on since XXXX of 2023. The total to date is {$150.00}. I have tried to talk to Comenity Bank associates and supervisors on numerous occasions to no avail. I would like this issue taken care of immediately, I can forward/upload the Big Lots emails to you at your convenience.
Product: Vehicle loan or lease

Hi, I tried to make an online payment 2 days ago to my account. My online account was locked out and the company was not open until today. This caused my payment to go over 30 days late. I would like this removed from my credit report as I tried to make the payment but was unable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them. 

I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment. 

Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company. 

I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.
Product: Credit reporting

I filed for either Chapter XXXX, XXXX, or XXXX in 2011. I ca n't remember exactly which XXXX. However, I cancelled and the case was dismissed. I notice that it was on my credit reporting that I had filed for Bankruptcy. I called the credit reporting bureaus and was told to contact the Bankruptcy Department. I did and Bankruptcy stated they had nothing to do with what was on my credit report because they did not put it there and for me to call the credit bureau back, but they would send me a letter stating that the case was dismissed. 
XXXX and XXXX removed the Bankruptcy. TransUnion stated for me to fax/send the letter to them a again and they would remove it. I mailed the letter because their fax stayed busy. TransUnion received the paper work and now they are saying they ca n't remove it because whoever put it on there has to remove it. I told them THEY put it on there. I am requesting that TransUnion remove this from my Credit File. 
Thank You Very Much!!!
Product: Mortgage

I applied for the Florida Department of Economic Opportunity Homeowner Assistance Fund on XX/XX/XXXX and was finally approved XX/XX/XXXX. I am currently 4 months behind on my mortgage through TIAA/XXXX. I am XXXX with a child and have been going back and forth with SSA with reinstating my benefits since XX/XX/XXXX. I have been contacting XXXX regarding the HAF Program and inquiring about payment that was issued on my behalf from HAF on XX/XX/XXXX in the amount of {$1300.00} to cover my past due mortgage balance. Unfortunately, I have had no resolution in this matter and it seems like I am getting no answers and I been hung up on and being told to contact the third party HAF with any questions that I may have. I am trying to save my home so my child and I will not become homeless. We have the funding but XXXX is not trying to assist me with it and claim they are not aware of the programs funding. I am calling every other day and Im not getting anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Best Egg a Cease and Desist in XXXX of XXXX instructing the company to stop communicating with me through any and all mediums. Best Egg has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Vehicle loan or lease

My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. 
Account # : XXXX. 
.
Product: Debt collection

They called someone who I am related to and told them about my debt and how much I owe. They stated that if I dont pay then other actions would be taken.
Product: Credit reporting or other personal consumer reports

This is very alarming. Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score and potentially endangering my identity and be used for fraud. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit card or prepaid card

Got a letter in the mail saying they are going to sue me for purchases on there credit card and I know I didnt make those purchases, but someone is using my name and social security number for this card that I didnt sign up for.
Product: Credit reporting or other personal consumer reports

Sure, heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute under the Fair Credit Reporting Act ( FCRA ) : -- - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information contained in my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed information and the corrective action I am requesting : **Personal Information** : - 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 XXXXXXXX - I am requesting that the CFPB investigate this matter and that the inaccurate information be removed from my credit report. 

I have previously contacted the credit reporting agency and the furnisher of the information to resolve this dispute, but the matter remains unresolved. 

I appreciate your attention to this matter and look forward to your prompt resolution of this dispute. Please contact me at the above address or phone number if you need any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX