23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018, I had received a fraud notice from Citi bank to inform me that there was fraud charge to my Citi/AAdvantage Platinum Select World Elite Mastercard account in amount of {$620.00} at XXXX XXXX # XXXX. Since I didn't recognize this charge, I immediately called Citi bank to dispute this charge and close out the credit card and Citi bank subsequently issued me a new card. Upon review of the detail charges to my Citi/AAdvantage Platinum Select World Elite Mastercard account once the new credit card was issued, I noticed that the fraudulent transactions of {$620.00} at XXXX XXXX # XXXX were charged to my current account three time on XX/XX/2018, XX/XX/2018, and XX/XX/2018 respectively ( in total of {$1800.00} ) and Citi bank didn't properly apply the credit against these charges. I immediately called Citi bank again to request a dispute and credits for all three charges ; however, they were not able to issued me a credit for the {$620.00} charges on XX/XX/XXXX and XX/XX/XXXX and told me these charges are still under investigation. I kept calling them every week to inquire the status of these charges and I have been checking on the status of these fraudulent charges closely throughout the month of XX/XX/XXXX. On XX/XX/2018, I looked at my account detail again and noticed that the credit Citi bank issued to me to offset the fraudulent charges on XX/XX/2018 was reversed on XX/XX/2018 and they further issued an electronic notice to inform me that the three aforementioned disputed fraudulent charges were valid!! This situation is getting so ridiculous and unbelievable because first, they didn't contact me directly explain to me why they concluded these charges were valid ; second, I didn't see any support that show my signature or any form of authorization to prove these transitions were valid ; and third, their process was completely inefficient and not did they exercise due diligence in this process.

I am a victim of these fraudulent charges and it looks like to me that the Citi Bank didn't take any action against the wrongful charges and would like me to bear the liability and pay for them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau never replied within 30 day od this investigation, this is the case number. 

XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  XXXX XXXX ( Account # XXXX ), has violated my rights. 

Account Name : XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have 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.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I came home on XX/XX/XXXX to find the attached letter in the mail. It stated that a check issued by XXXX XXXX on XX/XX/XXXX in the amount of {$660.00} was never cashed. I had refinanced my home and this appears to be excess funds in my escrow account. 
I received my XXXX for my mortgage interest that year so I am not sure why we would not have received the check. 
My husband and I followed the instructions in the letter, signed and completed the information requested and I faxed the letter back on XX/XX/XXXX. The letter states that if the letter was not received by XX/XX/XXXX, they would report and remit the property to the State of Washington. ( This has not been done, so this leads me to believe they have the response from me ) They also stated that it could take 6-8 weeks for us to receive the check and could delay further if you contacted them to find out the status. I faxed the second letter along with the XXXX letter attached requesting the status since it has been over 16 weeks since the original response was faxed to them. 
As of today XX/XX/XXXX, I have not received a response to any of my communications and the property is not listed on the Washington State Unclaimed Property website.
Product: Debt collection

Company failed to validate or verify within 30 days of dispute. Original dispute XX/XX/XXXX. They didnt respond until XX/XX/XXXX during a second dispute. Never received any written communication
Product: Debt collection

Subject : Formal Dispute Regarding LVNV Funding LLC Account To Whom It May Concern, I am submitting a formal dispute concerning the accuracy of information reported by LVNV Funding LLC to the credit reporting agencies.

The details of the disputed account are as follows : Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Account XXXX : XXXX Dispute Reason : Incorrect balance, unverifiable debt, and outdated reporting. Collection accounts can not report as past due since the account is closed.

Despite my efforts to resolve this matter directly with LVNV Funding LLC, I have not received adequate verification of the debt in compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, all debts reported to credit bureaus
must be accurate, complete, and verifiable. As such, I am requesting the CFPBs assistance in investigating this matter and ensuring LVNV Funding LLC provides verifiable proof of this account or requests its removal from my credit report. 

Specifically, I demand that LVNV Funding LLC provides : XXXX. The original signed consumer contract validating this debt. 
XXXX. Accurate reporting of the balance and status. 
XXXX. Confirmation that the account is not incorrectly marked as past due, as this violates regulations for closed accounts. 

Enclosed, I have provided : A copy of my credit report highlighting the disputed item. 
A copy of previous correspondence sent to LVNV Funding LLC requesting validation of this debt. 

I appreciate your assistance in resolving this issue promptly. Please feel free to contact me if additional information is required. 

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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I recently sent a letter to Experian, requesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Experian stating all inquiries had been verified which is impossible considering I did not authorize these inquiries and have never heard of these companies. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.
Product: Credit card

I started receiving hundreds of spam emails as though I had suddenly signed up for hundreds of mailing lists. Some in English, some not. Some companies I'd heard of like XXXX and XXXX XXXX, some not. I have a XXXX  account that was affected. I also got an email from Capital One that a card was opened. Then, this morning, I woke up to a notification from XXXX ( my bank ) of a hard inquiry to my credit. I called Capital One and they confirmed that an account was opened, they are investigating on their end.
Product: Vehicle loan or lease

As many Americans I am not working due to the Coronavirus Pandemic. Bridgecrest will not help the customers. They will not give 2 weeks for payments to be made. Their answer to everyone is file  unemployment or use your Stimulus check first to pay our loan. 
Every other car company I know of are putting their customers first. Bridgecrest is only putting themselves first!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. My personal information is incorrect. There are several inquiries that were not authorized by me. There are accounts with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be proces
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX  Balance : {$83000.00} ; XXXXXXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$83.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit card

I am filing this on behalf of my mother who is in XXXX. Barclays Juniper had an open charge account in her name. XX/XX/XXXX they initially reported suspicious activity to me on her account via e-mail. I immediately reported it as fraudulent per their electronic website. In XX/XX/XXXX they sent a statement showing the fraudulent balance, requesting payment. This time I sent them a letter requesting they remove the charges. In XX/XX/XXXX they again sent me notice of suspicious activity. This third time I called their security number and once again reported it as fraud. I was ultimately hung up on by their agent without letting me finish what I was saying. After that I sent them a certified letter informing them to close the account immediately and that any repeated attempts to collect the disputed amounts would be referred to authorities. On XXXX XXXX they once again sent a form letter indicating the amount of {$260.00} is due and providing the methods that the amount can be paid. We have notified them four times and they refuse to remove the amount and keep requesting payment. We have done everything in our power to resolve this with the company but continue to be unsuccessful so we are forwarding this to you as an official complaint. Thank you for your help.
Product: Mortgage

Hello, In XX/XX/2023 I had some financial issues and was placed on the Pandemic FB Plan through my mortgage Company. They placed me on the plan for 3 months. I was never given an option to chose 6 months. After the 3 months In XXXX the mortgage company automatically extended my FB for another 3 months. Again I was not given the option to chose 6 months ext. I received a letter from my mortgage company date XX/XX/2023. This date is very important. In this letter it states I need to contact them as my FB is coming to an end. The letter gave me XXXX options. First option was to resume monthly payments and select a program for paying back the suspended amount. Second option was to pay back all payments in XXXX installment. Final option is to Extend my forbearance Under the Cares Act, as I am eligible for an additional 180 days. 
I spoke to a re with my mortgage company named XXXX on XX/XX/2023. I advised I would like to extend my FB plan per the letter i received. She said she had tried entering the extension 3 times and the system would not allow her to. She then stated she would reach out to her manager and see what the issue is and for me to call her back. I kindly asked could she call me once she has a response. She said she could not that I would have to call back. I asked to speak with a manager and she placed me on hold and the call hung up. I called back and spoke with a rep not sure of the day. This rep advised me that the reason they could not enter the extension was due to me still being covered for the month of XXXX and I would need to call back the end of XXXX and they could then extend. I then received a call from XXXX again on I believe XX/XX/2023. She called me off of a dialer. It was not an intentional call or follow up to our last conversation. She then advised she was able to extend but if would not cover XXXX, I advised that is not expectable as per HUD I have the option to extend through XX/XX/2023. XXXX then transferred me to escalations. The rep in escalations advised that she was also unable to extend and would get with her manger and follow up with me. In the mean time I got a call from XXXX again who then advised me per her manager I can only get on a standard FB plan which will not protect my credit. I again asked to please let me speak with a manager and she refused and hung up on me. I received a call back from the escalation rep who stated there is no longer an extension option for my loan as it ended at the end of XX/XX/2023. I asked why they sent me a letter dated XX/XX/2023 telling me the complete opposite of this. She was kind but unable to assist me. I am very upset as the letter sent to me dated XX/XX/2023 should not have listed an option of me being able to extend my fb plan if it was not an option. The letter is attached to this message. I am hoping for a resolution with my mortgage company.
Product: Credit reporting

An old XXXX account for {$85.00} keeps appearing on my Equifax and other credit reports. I have it removed from XXXX report only to see it re-appear under a different debt collection agency. Previously, it was XXXX. Now, it is XXXX XXXX XXXX. I disputed this account with Equifax and the said it was valid. It is absolutely not valid and they will not take further action. I want this XXXX account to go away forever.
Product: Mortgage

My mortgage is in forbearance since XX/XX/2020. I was given only 17 months of forbearance by Wells Fargo even though I am entitled to 18 months. I made my last payment on XX/XX/2020 and applied for forbearance on XX/XX/2020. They are shortening me on my right to 18 months forbearance period because they say that I applied for forbearance the same month I already made a payment for even though the payment was made before I applied for the assistance. I didn't know on XX/XX/2020 that I can apply for forbearance. I learned about this a week later. It doesn't make any sense to me why would they go back a month? Wells Fargo always tries to rip off its customers and this is another example. I suggest you look into this because it's not only me they did that too.
Product: Bank account or service

I received notification that my home equity line payment was late. I called and spoke to a banker and informed them that I had automatic bill pay which has been in placed for a number of years. The banker told me that for some reason my payment did not get automatically taken out of my account and to avoid late charges did I want to pay over the phone. I indicated that that would be ok. Several hours later my automatic payment went through, as well, causing my checking account to be over drawn.This occurred on a Friday and I was n't informed until Saturday. I was left with no money and had to withdraw from my IRA to cover checks that were being automatically being paid on Monday. I have been informed that the bank will take 10 days to reimburse me my funds which is unacceptable. I want my money put back into my account immediately and refunded any late fees and tax liabilities I am incurring for taking funds out of my IRA. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have submitted many complaints against Wells Fargo Bank. I would just like to submit more documents to support my allegations against the fraud and deceptive practices of this financial institution. 

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

To whom this may concern, I am having significant trouble   with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  )  and having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB,  OCC,   and other regulators concerning illegal marketing practices of  XXXX      To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Ac t (  " FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to TransUnion and  XXXX  are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation, TransUnion reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on   XXXX   XXXX   XXXX   However,   XXXX   reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as  XXXX  to clarify whether these  XXXX  accounts are referencing  XXXX  loan or they are  XXXX  different loans.     The above instance of conflicting information is just  XXXX  example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY CAPITAL is the company name On XX/XX/2023 a hard inquiry was reported to my credit report it was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My id was stolen from my car and was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct dispute process is not being done and I am not getting copies of the dispute process per the FCRA
Product: Credit card or prepaid card

The company is claiming that I owe an alleged debt. I have never conducted business with this company. I would like a copy of all information pertaining to the opening of the account including the application with my signature, the original contract, a detailed record of all debt that is claiming to be owed, information that shows they have a right to collect the debt, information on the original creditor, all information about the purchase and or transfer information regarding this debt. If this debt was purchased I want to know the amount it was purchased for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian won't remove an incorrect item off my credit report. I never owed the amount. Online retailer never properly refunded returned clothing, then piled on late fees. I never owed them anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.