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

A late payment was reported by Best Buy/Citibank to my XXXX and XXXX credit report on XXXX XXXX. I was never late on any payment with Best Buy/Citibank off the life of the account. I am an Authorized User on the BestBuy. I would like for the late payment to be removed. 

Thank you,
Product: Checking or savings account

Around XXXX to XXXX XXXX week of XX/XX/year>, I found out about an account in wells fargo bank that i never opened. Somebody changed my mailing address, contact phone number and email address in my wells fargo account. Someone transferred money from my account to this new fake account without my knowledge. I went to wells fargo and informed them about this. They helped to reverse transation but did not help me prevent such transactions happening in future. I further saw many suspicious fake transactions on XX/XX/XXXX. There were total 4 transactions on XXXX which were suspicious. Someone also opened XXXX  digital account in XXXX  without my knowledge. I called multiple times to XXXX but their customer service is worst and exhausing. Till today, XXXX has not helped me updating my actual phone number. On XX/XX/XXXX, Someone tried to open wells fargo account under my name without my knowledge. I filed the police report regarding these transactions to near by police station.
Product: Credit card or prepaid card

Wells Fargo internal complaint reference number : XXXX I applied a Wells Fargo credit card in branch on XX/XX/XXXX. They declined my application for one sole reason : Not a permanent resident. ( I have 2 mail letters from them as evidence and numerous contact records as evidence. ) The truth is : I AM A PERMANENT RESIDENT. My old green card expired on XX/XX/XXXX. I filed for a new card on XX/XX/XXXX. ( The U.S. Citizenship and Immigration Services ( USCIS ) rule is that you can not apply for a new green card any earlier than 3 months before your current card expires. ) I received a XXXX letter from USCIS to extend my permanent residency till XX/XX/XXXX. After that and before I get the new green card, if I need to travel I will need to go to USCIS local office to get my passport stamped. USCIS has a long waiting period for each case to be handled. The current processing time to get a new card is 17.5-19 months. ( Please check at https : //egov.uscis.govXXXX XXXX XXXX ) XXXX is a US government issued letter to extend permanent residency. It is legal and mine is not expired. Upon receiving Wells Fargo wouldn't acknowledge my XXXX as a proof of my permanent residency and made a wrong statement that I am not a permanent resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis
Product: Credit card or prepaid card

UPDATE : without any warning, Chase took away my rewards points ( XXXX ) which I fairly earned with legal purchases ( card XXXX ). I complained and their answer was rude, as always. Why Chase has become such a greedy and cruel company? 

BACKGROUND ( case still to be resolved ) : Please CFPB : stop closing this case based solely on Chase answers, as they only care for their own interest. Otherwise, what is the point to complain to CFPB? Ever since I found out Chase had canceled my XXXX card on XX/XX/2020, I have been trying to get a professional and fair answer from them. So far, that has been impossible. Chase keeps sending letters and lately emails asking me to call different people and extensions, which are always answer machines. Chase has also repeatedly ignored my request to have a XXXX speaker Executive to handle my case. Still, I have managed to follow their confusing instructions, under a lot of stress. So farm they keep rejecting my request to reopen this card, which I have always paid ( and keep paying ) on time for more than 10 years, with more than the minimal amount. How come they took such decision without considering my card XXXX history, and giving me the chance to defense myself? They also have called me a " delinquent '', because I took a " Consolidated Debt '' program for OTHER credit cards, which is a total legal procedure. Chase knows it very well. To summarize, they are damaging my credit and reputation, and have discriminated me. I am a well traveled and serious XXXX. I see DISCRIMINATION in this case. It is unacceptable that a main bank in USA year 2020 does not have XXXX speakers Executives for clients like me. Meanwhile, all the people with whom I have talked, have mispronounced my first and last names. They could not care less. I am spreading the word. Who is responsible for the time wasted, the stress and the humiliations? This is unacceptable, disrespectful and outrageous. Again, this is about card XXXX. And I wont stop my fight because I know my rights.
Product: Debt collection

I received an email that claimed to be representing a company called XXXX XXXX XXXX. They claimed that the last payment I paid was {$50.00} on XXXX and still owed {$690.00}. 
They claimed that they took over this account from XXXX XXXX and I could pay off this debt by only paying {$340.00} in up to XXXX payments and save {$340.00}. 
They said the current creditor is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have fraud alerts on my credit and false information would you please take a look at the repossessions and alerts
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Early Warning Services , LLC for violating Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ). This section specifically prohibits consumer reporting agencies from including adverse information in consumer reports if the individual is a victim of XXXX XXXX and provides proper documentation. 

Background of the Violation I have provided Early Warning Services with the appropriate documentation proving that I am a victim of XXXX XXXX as outlined under FCRA Section 605 ( c ). Despite this, they have failed to remove adverse information related to [ specific adverse information ] from my credit report, which is a direct violation of the law.

Violations of FCRA Section 605 ( c ) Section 605 ( c ) of the FCRA states that if a consumer identifies themselves as a victim of XXXX  and submits the required documentation, no adverse information related to their past credit or criminal history can appear on their report. Early Warnings refusal to remove this information despite being provided with all necessary proof violates this provision of the FCRA.

Case Law Supporting My Claim There are cases that demonstrate the obligations of credit reporting agencies under FCRA provisions, and although Section 605 ( c ) is relatively new, similar cases enforcing rights of accuracy in consumer reporting have been pivotal in ensuring compliance : XXXX XXXX XXXX XXXX XXXX, XXXX This case reinforced the duty of consumer reporting agencies to ensure the information provided on reports must be timely and accurate, especially after being notified of a necessary correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Though not directly about XXXX, this case reaffirmed the requirement of credit reporting agencies to promptly remove information that should no longer appear under FCRA guidelines. 

Remedy Sought I request that Early Warning Services immediately comply with the provisions of FCRA Section 605 ( c ) by removing all adverse information from my report related to the period during which I was a victim of XXXX XXXX Additionally, I request an investigation into their non-compliance and appropriate penalties for this violation.

Conclusion Early Warning Services failure to adhere to FCRA Section 605 ( c ) is a serious violation of my rights as a consumer. I urge the CFPB to investigate this matter and take all necessary steps to enforce compliance with federal law.
Product: Mortgage

PHH Mortgage has my account funds in suspense back from XX/XX/2020. I have NEVER missed a payment in 10 years I have had this Mortgage. I have called them repeatedly to resolve this issue. I am closing on a refinance and I am unable to finish through UW without the correct payoff statement. They told me this would be fixed within 48hrs and that was 2 months ago. I have been calling them hourly for the past 2 days because this needs to be fixed by Tuesday XXXX or it will jeopardize my refinance and closing. The customer service reps state they are working on it and thats all. They also confirmed there is no reason for my funds to be in suspense. I need your help.
Product: Credit card

on XX/XX/2023 while living out of XXXX  for a few months i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " XXXX  ''. The people i was taken by proceeded to gain access to all my personal belongings including phone, watch and wallet. they had complete access to phone passwords, card pins etc. After regaining full consciousness i found myself dumped and left in a public park without knowing or remembering what just happened. i was picked up by police and taken to XXXX XXXX. while at the XXXX  i was asked multiple question to try and remind myself any possible information on what occurred which took some time to fully regain consciousness. in the meantime trying to get a hold of family members or anyone to would take charge of me. I was taken to clinic by police XXXX and discharged around XXXX. During this time the people that took me had the opportunity to make many purchases through my credit cards on my phone through apple pay and physical cards. They also had access to all my personal ID ( florida drivers license, colombian ID and more ). same day after being discharged i contacted all banks and told them what had occurred. Apple card/Goldman sachs have been the only entity that has not provided the credit on the purchases made after the dispute, totaling around {$6400.00} USD in about 15 purchases made through that card. Even after providing them with 2 police reports and the hospital report. Bank claim case # XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$5200.00}, XXXX XXXX {$12000.00}, XXXX  XXXX Balance {$96.00}, XXXX XXXX  XXXX {$470.00}, XXXX  XXXX Balance {$290.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was changed by an unknown person on my XXXX personal profile
Product: Credit reporting or other personal consumer reports

My loans were forgiven XX/XX/year>. After a month I disputed with the credit bureau XXXX. Nelnet says I still have a balance, they verified debt. I then showed proof to XXXX and Nelnet still verified the debt as correct. They will not remove the debt. I gave up until I heard of you CFPB.
Product: Checking or savings account

I was a victim of a phishing scam via XXXX on XX/XX/XXXX. The person contacted me via direct messaging, called me, and pretended to be having a giveaway using a fake cloned business page and used social engineering to gain access to my XXXX XXXX account and used it to take {$1500.00} in total from my bank account which was linked without my consent. 

I sent a message to XXXX XXXX the day it occurred, but I did not get a response. On the day it occurred ( XX/XX/XXXX ), I also contacted my bank and filed a fraud claim. I spoke with the fraud department and the representative processed my claim for the three charges of {$500.00}. They granted me temporary credits for the three charges while the investigation was conducted. On XX/XX/XXXX, I received a decision stating I was found responsible for the transactions and they were reversing the three temporary credits for the three {$500.00} charges. I disagreed with the decision due to the charges not being authorized due to the incident being a scam. On that same day, I called my bank once again to appeal the decision reached by the fraud department. I got in contact with the fraud department just for them to tell me I should have disputed the charges originally since I have used XXXX XXXX for transactions in the past. 

Next, I was transferred to the dispute department, and they restored the three charges back to my account once again while they claimed they will investigate again. On today ( XX/XX/XXXX ), I got another decision from my banks dispute department stating the dispute requests were duplicated and the Fraud department, which told me on XX/XX/XXXX that I should have disputed the transactions, had already disputed the transactions and the three charges will once again be reversed on XX/XX/XXXX. I once again called my bank to appeal the decision, and the representative I spoke with did not help me much, and she just said it is unfortunate and she put a note on my account for the dispute department to reopen and appeal the final decision made. Now, I am back at square one with the same decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively.

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party.

( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place.

( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure.

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure.

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not. 

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department Of Education ( ALL ACCOUNTS ) ; Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : Self Attestation, Drivers License, Bank Statement XXXX XXXX Bill Proof of identity Drivers License, Bank Statement XXXX XXXX XXXX, Trafficking documentation Self Attestation included
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX XXXX XXXX. I no longer owe XXXX. They have received their equipment but still wanting to get {$970.00} from me. I am not responsible for this debt and it's stopping me from getting approved for my home. I have disputed with XXXX, XXXX, and Experian and there has been no response to verify that I owe them.
Product: Debt collection

On XXXX/XXXX/17 at about XXXX I received a call from XXXX ( XXXX ) XXXX. The person on the line said this is XXXX from Orion. I asked her if she could provide me with a website address. She was reluctant to give me information. She was very rude, and she said, '' I ca n't do that, XXXX orian you should be able to find it. " She went on to tell me about debt I owed and if I wanted to settle. I told her yes. She put me on hold. The call got disconnected. I called back and again she was very rude. She said, " You hung up on me! I have your credit report right in front of me! You pay no one! You there?! helllooo! Ugh I 'm putting you on hold. '' The call got transferred to another person named XXXX and I did settle the debt with her. She asked me for my work name and phone number. I did n't provide the phone number because I have previously received multiple harassing phone calls. It would be humiliating to receive them at work. This company contacted family members that I do n't speak to. I had a family member call me and ask me if I was being taken to court and being sued because someone by the name of XXXX left a threatening message.
Product: Mortgage

I have a mortgage with Flagstar Bank. They offer autopay, but they will only let you sign up within a particular timeframe ( e.g., X days before your montly payment is due ). I have tried several times to sign up for autopay, but since it is not X days before the due date, they will not let me. I then get charged late fines when I don't remember to pay on time. This would be avoided if I could sign up for autopay. It appears that they are employing this policy to discourage customers from signing up for autopay so as to earn more money in late fees. I can only imagine that the same has happened to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost wallet during move to XXXX, Texas, Had alerts going off on XX/XX/2022 that my credit was being ran by XXXX XXXX and XXXX. I called Equifax multiple times ending in the representative saying that they can not help me. There was not verification or authorization in this process and under the FCRA laws these inquiries should be removed.