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

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and Transunion. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX, Date of Account XX/XX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my line of credit in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Product: Credit card or prepaid card

Between XXXX XXXX and XXXX XXXX of XXXX, I received 2 notices of being enrolled in XXXX for a Citibank issued account. I have been a customer of Citibank for over 15 years so this could reference a number of things. I have held 4 department store cards, 3 business accounts, and 8 checking and savings accounts issued by Citi in that time.

The 1st notice said that I was enrolled and if I had no knowledge of this to contact them. The 2nd notice stated the same, adding that if I had not provided consent for being enrolled I would be issued a refund.

I called Citibank for a separate issue and asked about the letters. I was transferred twice before anyone knew what I was referring to. While holidng, I researched " citibank accountcare refund '' online and found that Citi will be refunding over $ 7M for illegal financial services billing and account management. 

Finally, I was connected with a credit card department refund assistant. She said that she could n't help me without detailed information from the letter. Because I am traveling at the moment and only have the confirmation number, I did n't have the actual letter. She directed me to the website for more info, which consists of only 2 pages - one to submit a claim and one page for FAQ. The FAQ page only has 11 questions with very little information and no phone number or options to contact Citi. I promptly gave her my opinion of her poor customer service and my disappointment that despite sitting in front of a computer that she did n't even offer to look me up by name or SS #. She responded by transferring me to someone who could. 

The second person was more apologetic about the situation but not much more helpful. She prefaced the conversation stating that her job was to help people access the website and she just so happened to be helping out with this refund situation. She answered two of my questions - if the notice letters were duplicates ( or were they for 2 separate accounts ) ; and which account was the letter was sent. All other questions were not answered. She said she did n't have access to any of my previous information about the account that is being refunded, she could n't tell me the timeline of when these fees were charged, nor when the refund claim would be processed, if I was going to receive the refund at all, nor if any of my other accounts were entitled to refund. She put me on hold twice to contact " account research '' and both times no one in that entire department was available. Finally, I asked for a number that I could call back to follow up and she said she has no other citibank phone numbers except her own.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX - XXXX Last 4 digit SSN : XXXX
Product: Credit reporting or other personal consumer reports

TransUnion still shows XXXX hard inquiries that have been removed from XXXX. 

I would like TransUnion to remove XXXX of the hard inquiries.
Product: Credit card or prepaid card

My complaint XXXX was not answered. 
My complaint was that I returned XXXX worth of items but I had a bill owing XXXX They said I had to make a min payment of XXXX After I wrote the cfpb Amazon credit card took XXXX from my card ending XXXX. Illegally. 
I did not authorize them to do this. 
I had automatic payments XXXX XXXX. When I was paying the card off. 
On XX/XX/2021 I paid XXXX In XX/XX/XXXX I received a refund of XXXX. 
They are overcharging me. 
They are now saying I owe XXXX after taking XXXX unauthorized. 
I want to have my account audited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX {$94.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Previously by mail and through dispute with all three credit bureaus in XX/XX/2018 via notification with the Identity theft affidavit, police report and verifying information Hunter Warfield, INC was notified of this fraudulent account and has continued to collect and report a debt that is not mine and refuses to remove and stop collections tactics of the debt that was obtained illegally by Identity Theft. One tactic that has been repeated is when they did remove the account in XXXX they reinserted it in XXXX with a different amount and different opening date which still remains on my credit report as of today XX/XX/2018. 

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XXXX and XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect even though I'm a victim of Identity Theft.
Product: Credit card or prepaid card

On XX/XX/XXXX A contract was signed with XXXX. My contract was good until XX/XX/XXXX. On XX/XX/XXXX the FTC of XXXX shut down XXXX because it was a scam. Chase Credit card services contacted the merchant and the merchant responded that they would not refund me the money. 

When the FTC shuts down a company they freeze all the money of that business. The merchant could not refund my money even if they wanted to because of the freeze on all their accounts. 

I was not asking for the merchant to refund the money I was asking Chase to refund the money. I have been involved in this dispute with Chase since XX/XX/XXXX. Each time they ask for the same paperwork because they can't keep track of the paperwork I have sent them. I have submitted paperwork substantiating my claim for a refund. Each time they say they don't have the paperwork so I send it again. How can a company refuse a refund when they can't keep track of documentation supporting the dispute. 

I had a year contract with XXXX I sent Chase specific documentation of what services I received during that time period and what services had not been received. I sent them the signed contract, letters, invoices, FTC paperwork etc. The proof they have that I was misled lied to and cheated out of {$35000.00} is more than sufficient to prove I am not liable for the charge to my Chase card for {$16000.00}. 

Thank you for looking into this matter. I still have {$35000.00} of debt because what XXXX taught me, made me absolutely no money, but got me further into debt. 

Thank you so much
Product: Credit card

I am writing to complain about my credit card issuer, Chase Credit Cards, for refusing to honor a recent promotion promising a {$10.00} statement credit for making a {$200.00} payment on a utility bill. 

On XX/XX/2023, I paid {$300.00} on my water utility bill and used my Chase IHG credit card to pay {$200.00} of that ( the remaining {$100.00} paid with a debit card ), solely to avail of a Chase promotion for a {$10.00} statement credit on purchases of {$200.00} or more on several categories including utilities. However, Chase is refusing to give me the {$10.00} statement credit because XXXX XXXX, which is my water utility provider, is administered by the XXXX of XXXX and uses a government services merchant code instead of a utility company merchant code. 

I understand that Chase 's promotion fine print states that the merchant code must be a utility company merchant code. However, I believe that this requirement is unreasonable and unfair. Consumers should not be expected to know merchant codes in order to take advantage of credit card promotions. 

Merchant codes are used by credit card companies to categorize businesses and track transactions. However, consumers are not normally aware of merchant codes, and they should not be expected to know them in order to participate in promotions. From my point of view as a consumer, I was just paying my water utility bill. How was I supposed to know that my water utility provider uses a government services merchant code and not a utility merchant code? I would wager that, had I even asked the cashier at XXXX XXXX what merchant code they use for my payment transaction, she would not have had any clue. 

Water is a utility that Chase includes in its utilities category. It is therefore reasonable to expect that my water bill payment would qualify for the statement credit, even though my water utility biller happens to use a government services merchant code because it's the XXXX of XXXX. And it is unreasonable for Chase to expect me, a mere consumer, to know what merchant code my water utility biller uses. Consumers don't and shouldn't need to know merchant billing codes. 

I have contacted Chase customer service several times to try to resolve this issue, but they have been unwilling to reason over such a small amount. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that deceptive and misleading promotions like this do not continue. Of course, I would still like to receive the {$10.00} statement credit that I am entitled to. 

Thus, I am requesting that the CFPB take action to prevent Chase from using this type of requirement in the future. Consumers should not be misled or deceived into thinking that they are eligible for a credit card promotion when they are not, simply because they do not have access to information like merchant codes that are not normally available to consumers. 

Thank you for your time and attention on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX XXXXXXXX Financial Assistance Inc account number # XXXX {$8800.00} Financial Assistance Inc acct # XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$3000.00}, {$2800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I am providing a new FORGERGY document for a loan discharge as requested. This is not the same document as a prior complaint.. I have filled out the new required and requested discharge application. This is a separate matter and not a duplicate. 

I am adding the requested discharge loan application to be investigated.
Product: Mortgage

I am writing to express my concern with a letter from Wells Fargo Home Mortgage and subsequent phone call today with an Wells Fargo Home Mortgage agent ( XXXX ) regarding the possible removal of PMI on my mortgage account. In early XX/XX/2018, I inquired about the ways to remove PMI from my monthly payment. I was given 2 options over the phone and similar option when reviewing online. A few weeks later, I got a letter dated XX/XX/2018. In this letter I was given a third option for a Broker Price Opinion ( BPO ) that would satisfy the PMI removal request as long as the home value came in high enough. The letter I received simply states that the process involves measurements and photos of the property to assist with current market information to provide a new estimate for the home. When I called Wells Fargo today ( XX/XX/2018 ), I asked for clarity on this option. At that point, XXXX indicated that a structural upgrade would be required and must have been completed before the BPO assessment. Had I not called today, I would have simply followed the  instruction on this letter and had been out the non-refundable {$200.00} that was the last condition indicated in the letter. I feel this is unbelievably deceptive. A reasonable person should not have to call to double check on something like this, when the disclosures appear to be clear in the letter provided by a financial institution. How many other people are sending in their money for no reason?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/XXXX account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition
Product: Checking or savings account

XX/XX/18 - Attempted unauthorized money transfer from my checking account. There was no information given to me regarding this activity from any personnel ( customer service, fraud department or otherwise ) at bank of america. I have called them several times and asked to have access to my account, and not a single person will give me access without going into a bank of america branch location. Currently, in the state of Idaho, I have to drive 7 hours to the nearest branch location in-state, or travel out of state in order to find a branch that is closer to me, which is 5 hours. I can not spend 10 hours of my day driving to and from a bank location just to have access to my account. In addition, bank of america has multiple  factors of security to authenticate someone when they log into their accounts. The activity that happened requires someone knowing my information that is written down on paper and not stored on a computer, and therefore there is no way for an anonymous person outside of my state to have stolen my information and been able to log into my account online or on a phone without hacking the bank of america website. In order for me to log into my account online, I have a username and password, and security questions and a second-factor code that is sent to my phone so I can log in. On the phone, I have a face-id application as well. This is completely outrageous and should be compensated for this grievous inconvenience.