23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with XXXX XXXX which was pass to Sequium Asset Solutions, which i settle for {$890.00} which to paid in XXXX payments i made the first payment and i receive a receipt right after the payment i made the second payment on the XX/XX/2021 as agreed upon i have not receive a receipt for payment i call back on XXXX and ask for my receipt of payment and a letter saying that the account was paid upon agreement i was told that i will receive them within 5 days I have not receive them as of today XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove or Block Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally report that I am a victim of identity theft. Fraudulent accounts have been opened in my name without my knowledge or consent, and these accounts are being reported on my credit reports. 

I respectfully request that the items below be investigated, removed, or blocked from my credit reports as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2. 

Fraudulent Accounts Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$71000.00} At the time these accounts were created, I was incarcerated and had no ability to apply for or access credit. These fraudulent accounts have caused significant financial and emotional harm, and I am taking all necessary steps to resolve this matter. 

FCRA Protection and Your Responsibility Under the FCRA, credit reporting agencies are required to block and/or remove fraudulent accounts from a consumer 's credit report once they receive proper documentation of identity theft. Specifically

: 15 U.S.C. 1681c-2 states that when a consumer provides proof of identity theft, including a police report or affidavit, credit reporting agencies must block the reporting of information related to fraudulent accounts.

Failure to act promptly can result in liability for damages, including statutory or punitive damages, as outlined in the FCRA. 
Supporting Documentation I have enclosed the following documents to substantiate my claims : A copy of my government-issued ID ( drivers license ). 
Proof of my current address ( utility bill ). 
A copy of the police report filed regarding the identity theft. 
Documentation verifying my incarceration and inability to create or access accounts at the time these accounts were opened. 
Next Steps I request that the fraudulent accounts listed above be investigated and immediately removed or blocked from my credit reports. Additionally, I ask that any inquiries or associated collections related to these accounts be removed as they are unauthorized and a direct result of the identity theft. 

Please send me a written confirmation once the fraudulent items have been blocked or removed. If additional information or documentation is needed, do not hesitate to contact me at ( XXXX ) XXXX or via email at [ Your Email Address ]. 

Conclusion I trust that the CFPB, XXXX, TransUnion, and XXXX will take the necessary steps to address this issue in accordance with federal law. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 @ XXXX, I went into a Western Union retailer ( XXXX XXXX ) in XXXX , GA. I intitially told the cashier the account number and the code city. The cashier put in the account number wrong as well as the code city. I have contacted Western Union on XX/XX/2019 around XXXX whereas I received a case number. I took the initiative and contacted the company it was mistaken sent to and they assured me they would send it back to western union. I called back to western union on yesterday XX/XX/2019. Western union told me I have to wait 24-48 hrs to receive the money back. So here it is XX/XX/2019 it has been 42 hrs later and I still havent gotten back my money. Its a little over {$1000.00} its my bill money and I need it back as soon as possible.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute.

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.
Product: Mortgage

Issue is with mr cooper mortgage They gave me a loan modification trial back in XXXX of 2021 payment was XXXX I thought it was XXXX ipaid the first month and second the XXXX dollars then told i was in default because of the 5.11 short I called numerous times becauseI never or my attorney in case never received the actual documents for the amount requested I offered to pay the difference once i knew I was off the 5.11 They would not accept this They have since refused to help I have called for a supervisor many times without any response I feel during the height of the covid the paperwork wasnt transmitted properly and no customer servcie to help me I do not want to lose my house because of 5.11
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraud, I didnt benefit, apply for, and authorize these accounts. I want them to be removed. 
XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Mortgage

I received an unsolicited letter wanting to consolidate my existing mortgage and an estimated credit card debt of {$5000.00}. The letter stated that Franklin Mortgage Solutions could lower our monthly payments to {$1400.00}. I was given a phone number XXXX to speak with my loan representative. I do not have any credit card debt nor any problems paying my mortgage. The letter is very confusing, leading me to think that I have debt! The " Account Number '' for " my case '' is XXXX, sounding like something from the IRS! I was given a phone number to stop receiving " prescreened offers ''. I called that number but I was not able to ascertain whether this was a legitimate government agency! I can imagine that many people would be confused and very anxious that they were in debt. The " new loan proposal '' to correct this " problem '' was a 30 year fixed rate of 4.125 %. This letter is very incomplete regarding all the pertinent details.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Deletion of Inaccurate Account Information Within 30 Days : I am writing to demand the immediate deletion of inaccurate account information from my credit reports held by XXXX and Experian. The account associated with XXXX is currently being inaccurately reported, as outlined below : 1. The account numbers provided on my XXXX  ( XXXX ) and Experian ( XXXX ) reports do not correspond to the original loan documents ( XXXX ) I possess. 
2. The reported balance of {$630.00} on both my XXXX and Experian credit reports is blatantly incorrect and does not align with my payment history or the actual purchase amount of {$450.00}. 
3. The inaccuracies in my credit reports are compounded by the fact that my last payment of {$140.00} made on XXXX XX/XX/2024, was never deducted from my original balance of {$450.00}. This discrepancy further highlights the inaccuracies in the reported balance and payment history associated with the XXXX account . 
Despite previous disputes with XXXX, Experian, and XXXX , the inaccuracies in this account were negligently verified without proper investigation. This negligence in verifying the inaccuracies is grounds for immediate deletion of the erroneous information in accordance with law. Their negligence in conducting a thorough and lawful investigation further exacerbates the violations of my rights. 
The inaccurate reporting of this information is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. The discrepancies in the reported account numbers, balance, and payment history not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also raise concerns regarding compliance with Truth in Lending Act ( TILA ) regulations. 
I demand immediate action to rectify this situation. The reporting inaccuracies directly contravene the following FCRA and TILA provisions : - Section 611 of the FCRA, mandating consumer reporting agencies to furnish accurate and complete information. 
- Section 623 of the FCRA, specifying the procedures for disputing and correcting inaccurate information with consumer reporting agencies. 
- Failure to provide accurate and complete account information as required by TILA regulations. 
- Misreporting of account numbers, balances, and payment history, which directly contravenes TILA 's provisions for accurate disclosure of loan terms and transactions.

- Negligence in properly documenting and reflecting payment history, leading to incorrect reporting of outstanding balances.

- Failure to ensure the accuracy and integrity of credit reporting information, a fundamental requirement under TILA to protect consumers ' rights and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt reinvestigation letter was sent to Transunion and XXXX on XX/XX/XXXX. Transunion responded to the debt reinvestigation letter on XX/XX/XXXX and XXXX responded on XX/XX/XXXX. Transunion stated the reporting had been updated and XXXX stated the reported had been verified. Transunion and XXXX failed to thoroughly investigate this issue and delete the negative reporting. Transunion also updated the " placed for collection date '' to reflect XX/XX/XXXX. Transunion later changed the date to reflect XX/XX/XXXX on the most recent credit report. XXXX XXXX, XXXX recently updated an outstanding balance of {$21000.00} to XXXX and an outstanding balance of {$21000.00} to Transunion. This negative and false reporting has caused a financial hardship.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.These are a list of Accounts and Inquiries as listed. 
Collections - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries - XXXX XXXX XXXX XXXX XXXX Us Department Of Education 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, credit repair services, or other personal consumer reports

I had signed up for Transunion and when I wanted to cancel their website only provided a number to call. 

I have a XXXX XXXX  where I dont like being on calls with people. I did some research and I found people talking about their experience and how they were pressured into staying on a discount. All of this made me more XXXX  about calling to cancel. 

I then found on XXXX a link to cancel online. I was able to cancel online. 

I find it ridiculous that they have the capabilities to cancel online but they hide it and dont make it available to find on their site. I shouldnt have to use XXXX to find these things
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold to XXXX care provider at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX care. Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of 30 delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.
Product: Mortgage

Complainant purchased the residential property in question in XX/XX/XXXX, immediately after which the associated mortgage was acquired by respondent, Fifth Third Bank. Records would show that complainant subsequently issued payment to respondent on or about the first of the month via an automatic bill pay service, with no delinquencies whatsoever. Amidst the sale of this house in XX/XX/XXXX complainant was advised via the Closing Disclosure that respondent was assessing " Late Charges '' against the account. Around this time complainant received a bulletin from respondent stating that " Although we appreciate receiving your XX/XX/XXXX payment of {$1300.00}, your total payment is {$1300.00}. Our records indicate that you should have received an escrow analysis statement showing a monthly payment increase due to an increase in the escrow portion of your payment. '' However, no meaningful notice was actually provided of this subtle impound increase. Complainant contacted respondent by telephone initially on XX/XX/XXXX to request the opportunity to make up the apparent deficit and to request reversal of the related late charges. Respondent 's agent, XXXX, stated she had no record of this letter or any late charges. However, as the closing date for the sale of the property neared, the escrow agent reconfirmed that Fifth Third Bank was continuing to levy late fees, and, because the transaction was formally in escrow with a final payoff having been requested and computed, complainant had no further opportunity to intervene directly. Complainant re-telephoned respondent on XX/XX/XXXX by which the issue was stated to be escalated to the supervisory level, although after a reasonable period of time there has been no response from respondent. Respondent received the {$21.00} " shortfall '' via the payoff. Complainant seeks refund of the {$89.00} late charges asserted.
Product: Credit card

My citibank credit card was rejected on the evening of XX/XX/XXXX. I called the number on the back of my card and their automated system said it didn't recognize my card number and to call back during business hours. I called on XX/XX/XXXX at XXXX XXXX Central Time and was transferred to their Probate Department. I was on the phone for 20 minutes and learned my card was coded as deceased. The agent told me I had to get a new card and I told them this was their error and I wanted my card reinstated. I was on the line and she hung up on me. I called back, was transferred to the Probate Department. I spoke to XXXX ( ID # XXXX ). She verified my SSN was active and that I'm alive and said she'd put through to reinstate my card and it would work in 24-48 hours. On XX/XX/XXXX XXXX notified me they couldn't process my payment for my order. XX/XX/XXXX- I called the Citi Probate Dept at XXXX and talked to XXXX ( ID # XXXX ) at XXXX XXXX Central Time. She saw all the notes but told me I was misinformed and that it takes up to 30 days to reinstate my card. She apologized and said she also saw that the person I talked to on the XXXX didn't process my request to reinstate but that she would process it and request the code change while I'm on the line so I know she did it. I XXXX my name and someone in Ohio ( I live in IL ) died that has my name and is 10 years younger than me. Perhaps it's possible this is why my card was shut down and then asked why wouldn't I receive notice, let alone someone check my address and birthdate as I live in IL and am 10 years older than that person. She said Citi has this all the time that deceased codes are put on with no information or verification all the time. This is a huge disservice and lack of client respect and security on the account. Where is their due diligence on their clients? All my bills on autopayment go to this card and I am receiving all kinds of non-payment notices. I only have one other card ( with a really low limit as it's my emergency backup card ) to pay my bills online. Because the limit is very low ( purposely as fraud precaution as it's not used a lot ) I am having a hard time getting my utilities and other bills paid. It's ridiculous that it takes 30 days for them to fix their error and has required me to call twice and find out the first person didn't fix it right. According to Citi this happens all the time. I can't imagine how many unhappy people there are out there with this same problem.