23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I cancelled my previous Citi Costco card earlier in XXXX XXXX, 2016 after a call from Citi fraud for a charge for XXXX cents. I was told there were no other suspicious charges. I was told to check my statement for any other suspicious charges. There was a cash ATM withdrawal for {$600.00} from XXXX XXXX that same day. I was told it would be investigated. I got a call on XXXX XXXX from Citi from a XXXX number saying they were investigating my case and wanted my social security number, and asked to send my wife 's and my driver 's license by fax. I told them to email me as it seemed suspicious. They said they would email to my gmail address on file. I did not hear anything for 2 days and called the citi customer line on XXXX. The agent I spoke to said that no one from Citi had contacted me and it was likely fraud. He told me to report it. I reported it to my credit monitoring agencies and put a complaint with the FTC and Social Security Administration. He also told me that the charge of dollar XXXX was resolved and I would be credited the amount back to my account. I signed up for extra ID theft monitoring based on what he told me that it was likely ID theft. 
You can imagine my surprise when I logged into my account on XXXX XXXX, 2016 and saw that the investigation was closed and I was liable for {$600.00} + charges. 
I make XXXX a year and as a household we make XXXX a year. I nor my wife do not need to withdraw cash from an ATM with a credit card. We are not stupid to pay a {$35.00} charge for withdrawal from an ATM. We had not even set up a PIN for cash withdrawal. 
The only reason we have this card is because we have Costco and this is their new card. 
I called on XXXX/XXXX/2016 and was told the Citibank Security Ops dept was closed. Apparently no one else can help me. Thus I am filing a complaint with the CFPB. 

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

MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 WELLS FARGO IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fir 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 has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights XXXX XX/XX/XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 
XXXX XXXX Finance/Personal XXXX/XXXX/XXXX has violated my rights. 
XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 
XXXX XX/XX/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. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

I am a XXXX  that went to the XXXX  with prior XXXX  XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX. I gave them all of my insurance information ( XXXX  ), including where to send the bill. Several months later, I started receiving bills for this visit. At that time XX/XX/XXXX, I called XXXX, who handles XXXX  XXXX claims and we got the medical center 's billing department on the call with us to make sure they had all the correct billing information again. They were informed at that time that they were not allowed to bill me per XXXX XXXX, but if they sent the bill according to the instructions, they would be paid. I got another bill XX/XX/XXXX, at which time I again got XXXX and the Medical billing department on a 3 way call and repeated the process and was assured it would ber handled. I received an Explanation of Benefits showing my responsibility as XXXX, so I thought it was handled, however, it did not get paid and is now on my credit reports as a collection account. This is against Federal Regulation 38CFR17.1008, according to XXXX. After further investigation, the medical facility still did not bill the correct place! They sent it to XXXX instead of XXXX. I can not get through to XXXX XXXX XXXX XXXX, so I called XXXX XXXX my case manager ) at Credit Management Company. When I told him reporting this to a credit reporting agency violates a Federal Regulation, he said it doesn't apply to them, and they've been in business for XXXX  XXXX. I wouldn't have brought this issue here this fast, except that I'm in a XXXX XXXX XXXX with other XXXX patients and XXXX out of XXXX of us are all dealing with similar situations! What good is a Federal Regulation if it's not being enforced? XXXX, and other medical bills take enough of a toll on our credit without these types of things. I hope you can help XXXX across our nation!!!
Product: Mortgage

My loan was transferred to Selene Finance from XXXX XXXX. I didn't know who the loan was transferred to until XX/XX/XXXX. I started to make payments only to find out that the loan was in collections. After numerous phone calls I was able to speak with XXXX XXXX of Selene Finance. I was able to obtain a modification in XX/XX/XXXX from XXXX. I was asked to pay {$6000.00} up front and then $ XXXX monthly until XX/XX/XXXX, to make the account current. I paid amount requested. In XX/XX/XXXX, I spoke with ( XXXX, supposedly person now handling loan ) to ask if there was a grace period with the loan modification and was told that, " as long as I paid by the end of each month there was no late fee and the modification will remain. '' " I was also informed that starting in XX/XX/XXXX if the loan was paid after the XXXX of each month I could incur a late payment. '' I made all payments before the due date. My husband was contacted by a XXXX XXXX on XX/XX/XXXX, who claimed to be the new representative on our loan and informed him that we were in default, and were four months behind ; after my husband explained to him that we have been making payments and had records, he said that they hadn't received XX/XX/XXXX or XX/XX/XXXX payments. Again my husband disagreed. XXXX then informed him they didn't receive XXXX 's payment. My husband again disagreed and reiterated to him our conversation with XXXX. XXXX told him to send him an email with the records from our bank showing payment and he would stop the default ; that email went out the same day to XXXX and XXXX 's Customer Service email. He also requested that we follow up in a couple day to ensure receipt. 

We ( my husband and I ) have made numerous attempts to contact XXXX, XXXX and XXXX the manager to no avail. We are sent to voicemail after being on hold for upwards of thirty minutes. I even informed their representative XXXX on XX/XX/XXXX, that I was recording our conversation and she refused to give me any information on my loan. 

On XX/XX/XXXX, a Notice of Default was sent that wasn't delivered until XX/XX/XXXX, and obtained from the Post Office by me on XX/XX/XXXX, threatening a payment of {$12000.00} by XX/XX/XXXX or the loan would be accelerated and go into foreclosure. 

Please also note that they are still saying that they didn't receive my XX/XX/XXXX payment. It appears from XXXX website that Selene Finance is a predatory leading company who successfully steals, lies and preys on homeowners by claiming non-payment for late fees and foreclosure, not answering phone calls and transferring loans to different representatives with conflicting information. They have an alert on their account with the XXXX confirming all of the above. 

Please help to regulate these predatory practices. 

Enclosures.
Product: Checking or savings account

I opened my Truist Checking account on XX/XX/XXXX And I ACH push two transactions into the account, and that's all the activity of this account. 
Then days later, I noticed I had no permission to log in to my account I try to contact Truist Customer Services, Fraud Department, and several Truist branches. All of them said I must walk into a branch to unlock my account or close my account And the nearest branch is 70 miles away from my current address.
Product: Credit card or prepaid card

I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated! 

I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued. 

I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number. 

I am kindly asking that this matter be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau consistently reports the collection as an OPEN ACCOUNT, which is not compliant with the Fair Credit Reporting Act ( FCRA ). It is deemed as inaccurate reporting and needs to be removed from my credit report immediately. The collection has appeared as an OPEN ACCOUNT since XX/XX/XXXX. The last reporting activity on the account is XX/XX/XXXX ; however, Equifax keeps re-aging the credit history when disputed. Re-aging is a severe violation of the FCRA. It makes the account in question look more recent and causes severe damage to my credit score. 

Equifax is reporting the account as an active retail account. Please see attached documents.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Please check the information concerning the Equifax data breach below in included attachments.
Product: Credit card

Two fraudulent charges were quietly readded to my statement without justification. These are for services that I did not use and did not authorize. The card they were charged to has since been canceled because it was stolen. 

This is not the first time the company has quietly readded fraudulent charges to my statement long after the dispute was reported without any followup or proper documentation. The charges attached are simply fraudulent. 

Furthermore the company has been allowing charges to continue to be made to my old card that was stolen in XXXX XXXX. When I reported this instead of dealing with the issue, they canceled my current card XXXX which has not had any problems with theft or fraud reported yet. This left me stranded abroad without a way to pay for the basic services I need. This is not the first time this has happened either. 

The company basically refuses to properly process and handle disputes, fraudulent charges and other problems unless I file a CPFB complaint. 

To be clear, the card XXXX was stolen in early XX/XX/2023 and reported stolen in early XX/XX/2023. You can see on the attached invoice that chase allowed a new charge to this supposedly canceled card in late XX/XX/2023.
Product: Debt collection

I was contacted by the `` County Process Server '' on XXXX at XXXX and told I was being served for garnishment and to call XXXX XXXX XXXX XXXX XXXX at XXXX. I spoke with the receptionist, XXXX and XXXX at XXXX XXXX XXXX. They knew my social security number, a previous address and a current address. They gave me the last 4 numbers of an HSBC account that I have never had. I contact HSBC customer service, collections and recovery. XXXX XXXX XXXX XXXX XXXX XXXX said that I last made a payment on XXXX  for {$75.00} which I have no record of. They also gave me a another date of XX/XX/XXXX? They said the debt was {$2000.00} and that they would settle it for {$750.00}. I believe that they were scamming me. I attempted to call back the process server and reached only a voicemail. XXXX said they had mailed a letter to my address, which I did not receive. I requested a copy of this letter and he refused to provide it to me. I requested more information on the debt and he said that I would get that during discovery.
Product: Money transfer, virtual currency, or money service

XXXX made a purchase online and I was supposed to get my product today but I woke up this morning to make inquiries and it seems the person blocked me
Product: Debt collection

Moved out of Apartment in XX/XX/2022 In XX/XX/2022 Received Letter from Debt collector for {$2300.00} but never received bill or list of what charges were for. I was in a month to month lease and left due to apartment was vandalized while I were away from home and wrote letter to Landlord letting them know i was vacating for fear for my safety. 

email sent from me : Sent : Wednesday, XX/XX/2022 XXXXXXXX XXXX To. XXXX XXXX I would like to give immediately notice that I have vacated the apartment, My apartment was broke into and vandalized I could not lock my apartment due to lost keys and lock repair never completed I fear for my life. 
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 

Thank you XXXX XXXX I Forwarding Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and frustration regarding the re-insertion of accounts that had already been deleted from my credit report. This action is not only unwarranted but also indicative of a serious lapse in your verification and reporting processes. I am requesting an immediate resolution to this matter, along with a thorough explanation of how and why this occurred. As you are aware, under the Fair Credit Reporting Act ( FCRA ), once disputed accounts have been investigated and subsequently deleted from a credit report, they should not be re-inserted without substantial evidence and compliance with strict procedural requirements. Specifically : 1.Verification and Notification Requirements : The FCRA mandates that any re-inserted account must be verified as accurate and complete.

You are required to notify the consumer in writing of the re-insertion, providing details of the evidence used to substantiate its accuracy. I did not receive such notification, which is a direct violation of your legal obligations.

2.Failure to Conduct a Thorough Investigation : The accounts in question were already deemed inaccurate and removed. What new information or documentation prompted their re-insertion?

If no additional verification was provided, this re-insertion is a clear failure of Equifax to exercise due diligence in ensuring the accuracy of its reports.

3.Accountability of the Bureau : It is not the responsibility of the consumer to repeatedly dispute the same inaccuracies. Your bureau has a duty to maintain accurate records and prevent erroneous re-reporting. 
The re-insertion of these accounts suggests either negligence or a disregard for consumer rights, both of which are unacceptable.

I demand that the following actions be taken immediately : Permanent Removal of the Re-Inserted Accounts : These accounts must be removed from my credit report immediately, and Equifax must ensure that they are not re-reported in the future without incontrovertible evidence of their accuracy.

Detailed Explanation of Re-Insertion : Provide a written explanation of why these accounts were re-inserted, including the specific evidence or documentation relied upon to justify their reappearance.

Assurance of Compliance : Implement measures to prevent such occurrences in the future, ensuring that deleted accounts are not improperly re-inserted into credit files. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints and disputes with EXPERIAN XXXX and XXXX regarding them disclosing without my consent my non public information and I have disputed certain accounts because there is no contract between myself and certain companies that are showing on my consumer report. I have asked that they stop disclosing my non public information as I have told them I DO NOT CONSENT and they continue to report they are also attempting to disclose more of my information to these third party companies by trying to match up addresses telephones number and inaccurate names that are appearing on my consumer report and giving this information to these companies that I have no agreements with in order to keep the accounts on my report. XXXX XXXX and EXPERIAN are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. Furthermore XXXX XXXX and EXPERIAN are all reporting a charged off account from XXXX XXXX XXXX a charge off is considered a certificate of indebtedness which means it is income income is non public information and that being reported on my report is another violation of my privacy rights under the privacy act of 1974. If an account is charged off it is then XXXX and I was suppose to receive a XXXX form fron that company who charged off the account so that I can file the XXXX with the IRS. In fact all debts are XXXX according to the indenture agreement that these companies filed with the XXXX XXXX. I will reiterate that I DO NOT CONSENT to income being reported to my consumer report nor do I consent to EXPERIAN XXXX and XXXX disclosing more of my information to try and help the companies reporting on my consumer report to match up addresses telephone numbers and names instead of doing proper investigations into my dispute they are simply just updating the accounts improperly using immoral and unfair tactics to ruin my ability to obtain credit which is a violation of my right to credit.
Product: Debt collection

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : Equifax : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/XXXX XXXX
Product: Debt collection

I have contacted Capital One. I have been sent to many departments. I also have disputed with XXXX XXXX. XXXX XXXX said this is my debt. However, Capital One has no record of it when I call them. All I need is the correct debt collection contact so I can pay it, dispute it or otherwise. I am unable to do anything to repair the issue if the collection department does not have record of this debt. 

Can someone get me the correct account number and phone number for me to call? 

Thank you