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

This is a formal complaint against CITI CARDS. I had a COSTCO CARD with American Express and CITI CARDS bought all the COSTCO portfolio. When I was with AMEX, everything was on automatic payments. When Citi took over the account, I received a statement from Citi that showed that an auto payment had been proceeded from Citi ( See attached statement ). After this I took off out of state to XXXX for work for a few months, where I kept using my Citi cards. All the while I didnt check my statements, given that I thought the auto pay was still in place. Months, late I receive a XXXX notice from a collection company stating the account was charged off by Citi and I need to pay the account off in full immediately. I just recently sent in my last payment installment to the collection company. I called CITI Cards for several days and spoken to a number of representatives, transferred me from one department to another and was provided with different information. One representative even claimed that I cancelled my account last XX/XX/XXXX 2016. I NEVER CANCELLED MY ACCOUNT. In fact, I was able to use my card last XX/XX/XXXX when I traveled. I was able to confirm that AUTO PAY is active and they took and AUTOMATIC PAYMENT FOR {$220.00} last XX/XX/XXXX 2016. I questioned them, why would my account was sold to collections if AUTO PAY is active and I ALWAYAS, ALWAYS have money in my bank? I have confirmed that they have my correct address and phone number and they said that auto alerts ( for payment reminders, auto payments etc ) were not active. I questioned them why I never received any call, text mail or even email to notify me of anything about the account and why, if they need my bank information, why they did not contact me. They just said that the transition from AMEX to CITI started from XX/XX/XXXX 2016 and took them until XX/XX/XXXX 2016 to complete the transition and they do not have my bank information. I went ahead and asked them again why they did not contact me to get information needed, they could not answer this either. This account should have never gone to collections. I ALWAYS have money in my bank. Ive had several accounts with Citi, loans, car loan, student loan which was ALWAYS paid on time. Even my credit report shows nothing derogatory not until CITI CARDS ruin my score!
Product: Credit reporting or other personal consumer reports

Following significant data breaches, including those by XXXX XXXX XXXX and XXXX, my personal information was exposed, leading to identity theft. Starting in XX/XX/year>, my credit report was impacted by several unauthorized inquiries and the opening of a business account, which I did not consent to. Entities such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX were involved, and an unauthorized business line of credit was charged off as bad debt with a balance of {$650.00} by XX/XX/year>. 

I have already supplied Transunion with the proper documentation!! They are using this unable to locate credit report-dispute request as a tactic to slow this process and I am not going for it at all. 

All of the complaints has been forwarded to the federal lawyers for review. 


I have submitted disputes to all major credit bureausTransUnion, XXXX, and XXXX while the other bureaus have removed the unauthorized information, TransUnion has failed to conduct a thorough investigation. This ongoing delay has forced me to contact the XXXX XXXX XXXX and pursue legal action under the Fair Credit Reporting Act ( FCRA ). Per the FCRA, as outlined in the provided attachment, TransUnion is required to remove or correct unverifiable information, which has yet to happen despite several attempts to resolve the issue. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), consumers have several key rights to ensure the accuracy, fairness, and privacy of their credit information. Specifically, this law mandates that : Credit reporting agencies must investigate disputes regarding inaccurate or incomplete information on a consumers credit report. They are typically required to resolve such disputes within 30 days. 
Inaccurate, incomplete, or unverifiable information must be corrected or deleted from the consumers credit report. If the information can not be verified within the legally required timeframe, it must be removed. 
Consumers have the right to know what is in their file and can request a free credit report once every 12 months from each of the major credit bureaus. 
Consumers must be informed if information in their credit file is used against them in applications for credit, employment, or insurance. 
Consumers have the right to take legal action against credit reporting agencies or creditors that violate the FCRA, including seeking damages for violations. 

In my case, TransUnion has failed to properly investigate and resolve multiple disputes regarding unauthorized accounts and inquiries on my credit report. Despite providing all required documentation and initiating disputes, these inaccuracies have not been corrected, in violation of FCRA ( 15 U.S.C. 1681 ). Therefore, I am now pursuing legal action to protect my rights and restore the accuracy of my credit report.
Product: Checking or savings account

I deposited a {$17000.00} cashiers check at Chase bank in XXXX Illinois on Friday XX/XX/XXXX. On Monday XX/XX/XXXX my bank account showed that the check cleared. On Thursday XX/XX/XXXX I received an email that funds have been taken out of my account as of XX/XX/XXXX and that I need to " refer to maker '' [ of the check ] for the reason. I contacted the maker of the check, XXXX XXXX, who provided paperwork dated XX/XX/XXXX showing that the check has been paid as of XX/XX/XXXX ( so funds should be in my account ). I have correspondence from XXXX XXXX providing the details of this check and that nothing on the customer 's side or customer 's bank side appears to be the cause of this problem. My bank, Chase bank, has not only been unhelpful in providing answers about how a good check I handed them is now a bad check ( per the branch manager ), but they 're doing nothing to help fix [ what appears to be ] their error! The bank manager at the Chase bank in XXXX IL has been rude and condescending, and I feel like I 'm being discriminated against as some working-class schlep who 's trying to cash a " bad check ''. If one bank is showing this check has been paid, and my bank said it has not been paid ... where 's MY money sitting right now? What is the path my check took from the moment I handed it to Chase Bank, and where 's the money sitting now? I 'm getting absolutely NO HELP from my bank. Ive spent 3 days so far working to figure out a major bank error instead of running a business to make money. Im now afraid to deposit checks at Chase bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Debt Collector MIDLAND CREDIT MNG INC. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Collector MIDLAND CREDIT MNG, I am writing to you in response to your recent communication regarding the collection of a debt. I am hereby serving you with a Cease and Desist letter pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, demanding that you immediately cease and desist all communication with me, directly or indirectly, in connection with the alleged debt referenced in your previous correspondence. 

Furthermore, I am informing you that I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your collection practices. It is imperative that you comply with all provisions of the FDCPA and cease all collection activities until my complaint with the CFPB is resolved.

Please be advised that any further communication from your office in violation of this Cease and Desist letter will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights as a consumer. 

I look forward to your prompt compliance with this Cease and Desist letter. 

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

XX/XX/XXXXand Transunion continue to publish inaccurate credit information. This has become detrimental to my employment in the financial segment. There are not one but 2 bankruptcies on each report that have been dismissed due to being filed erroneously or discharged incorrectly. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must Be removed by law immediately from both the transunion and XX/XX/XXXXcredit reports!
Product: Debt collection

I NEVER SIGNED AN AGARAEEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT. US Code 1692e False and Misleading Representation Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to befalse, including the failure to communicate that a disputed debt is disputed.
Product: Credit card or prepaid card

Account opened in my name XX/XX/XXXX XXXX Account closed by Bank of America XXXX XXXX
Product: Checking or savings account

My Wells Fargo bank card was expiring in XX/XX/XXXX. Apparently, my bank mailed out my new card on XX/XX/XXXX, to my home address. All my mail gets dropped by USPS into the common mailbox location that holds mailboxes for the entire residential community. All my mail goes to my mailbox, and I have never experienced mail theft before. However, this time I did not receive my new bank card in the mail. On XX/XX/XXXX I got an email from my bank that my account was overdrawn, and it had a balance of - {$260.00} ( negative balance ). I logged into my Wells Fargo online bank account and found that there were 16 transactions made using the missing card on my account by someone other than me. I have never shared my pin code on my bank card with anyone ever. So immediately I called Wells Fargo Bank and reported my card was stolen. I was told on the phone by the banker that a new card was mailed to me on XX/XX/XXXX, that I never received. Also, the banker cancelled my card as " stolen '', sent out a " new/replacement '' card and filed a report with the bank. Here 's the summary : ( XXXX ) On XX/XX/XXXX, the banker on the phone assisted me to file a claim with Wells Fargo for {$2200.00}, Claim XXXX ( XXXX ) On XX/XX/XXXX, another banker on the phone assisted me to file another claim with Wells Fargo for {$12.00}, Claim XXXX Wells Fargo has XXXX my " stolen '' card with a new card by home delivering my new card to me. 

On XX/XX/XXXX Wells Fargo closed my claims stating there wasn't any evidence provided by me. They requested for a copy of the police report and documentation from my local post office. 

On XX/XX/XXXX, I filed a police report for mail theft. Case number : XXXX On XX/XX/XXXX, I filed a report with my local post office. Service Request # XXXX. My local post office has confirmed to me in writing that several residents in my residential community have reported mail theft in my area. 
On XX/XX/XXXX, I emailed documentation in PDF format to Wells Fargo Claim 's department, as suggested by Wells Fargo. 

On XX/XX/XXXX I called Wells Fargo Bank 's Claim 's department to check up the status of my claim. To my shock I was informed that my claim will remain closed as police report and documentation from USPS postal office is not considered enough evidence to support my case. I was told that I could not call any other department or resource within Wells Fargo to pursue my claim/request. I need help from CFPB in getting my funds recovered from Wells Fargo as the bank approved the transactions that were made on my stolen card by someone other than me ( most of these fraudulent transactions were made by the thief in a casino ). I have been a Wells Fargo member for over 28 years, and I have never abused my card in such a manner. 

Please HELP!!!. Am happy to be contacted at the below number.
Product: Credit reporting or other personal consumer reports

I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents Experian from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.
Product: Credit card or prepaid card

I have made two purchases with XXXX XXXX ( XXXX XXXX XXXX ) and already there have been two major issues. The first was trying to set up an account online to be able to make payments. The system would not allow me to register for almost 30 days and required multiple telephone calls and a letter to the CEO in order for me to be able to sign in to make a payment. The first payment couldn't even be done online and I had to give my checking account number over the telephone for an ACH in order to avoid late fees. Then on my XXXX Statement it clearly shows I made the XXXX payment and the XXXX payment because of the difficulties experienced I didn't want to be late. This is the same month that I made the second purchase. On my XXXX Statement is  says that I have a past due amount of {$130.00} and they added a {$27.00} late fee. I was paid ahead of schedule, had just made a purchase ( nothing due ) so how could I be late and assessed a fee. I called them today AGAIN and they reversed the {$27.00} but it really appears that they are gaming the system in order to obtain greater late fees and steer purchases so that the 0 % interest is jeopardized. My experience with this merchant 's payment processor has been horrible.
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item Trans Union XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and Trans Union XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from SYNCB National Credit Cards/Airlines dated XX/XX/2018 on my credit and I never applied for this card. 

Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony. So Im constantly getting the run around. Please remove this hard inquiry off my credit report with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am trying to buy a house for me and my family and these accounts are hindering. Can you please remove them. I have already contacted FTC
Product: Credit reporting or other personal consumer reports

Yes I will try to be as specific as I can I on a couple occasion try to send the information that I attach to this complaint to the credit bureaus XXXX XXXX and Experian that I paid set an account with the collection agency and I waited for them on a couple of occasions too we move it or change the inaccurate information on my account and the information is damaging to my personal finance and I would like to have it removed and also as you can see I have records showing that I paid the question agency this amount and is still showing in the documents that I attached that derogatory but it's not I settled this account with the clutching agency I just want it removed
Product: Credit reporting, credit repair services, 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, has violated my rights. 
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, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Closed My credit card without consent. I did not authorize my credit card to close. XXXX XXXX XXXXXXXX then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. Equifax is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.
Product: Credit reporting or other personal consumer reports

I've identified incorrect information on my credit report, which is regulated by 15 USC 16c-2. I believe this information is inaccurate and negatively impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681, THEY VIOLATED MY RIGHTS PLENTY OF TIMES. I DEMAND THE INQUIRIES LISTED BELOW BE REMOVED, ACCORDING TO 15 USC 1681 ; I HAVE THE RIGHT TO PRIVACY, I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX