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

Citibank is in severe violation of the FCRA by failing as a furnisher to provide reasonable investigation, and committing unfair and deceptive practices ( UDAAP ) by failing to acknowledge they are participating in attempted identity theft. On XX/XX/2023, I received a credit reporting alert of a new credit inquiry. XXXX reported a credit inquiry that same day from Citibank NA., Best Buy. I immediately called Citibank at XXXX to dispute this credit reporting because I did not request an extension of credit or authorize the use of my information in any manner. I have excellent credit and was fearful the credit was open, but Citi confirmed it was denied. Citi never provided me a reason for denying the extension of credit, but during this call I was grateful Citi did not find it appropriate to approve the request. That same day I initiated a lock on my credit with all three credit reporting bureaus to prevent future attempts of fraud. 

On XXXX Citi called to verify my mailing address so they could send their final investigation results. A few days later I received Citi 's denial to remove the hard credit inquiry. Citi justified maintaining the reporting because all of my correct personal information was used to initiate the credit request. Because my personal information was fully used to make a credit inquiry, open an account, etc., does not negate fraudulent activity. I am disappointed by Citi 's failure to acknowledge attempted identity theft and the attempt to open an account with their financial institution using my personal information. Citi clearly found reasonable justification to deny the fraudulent attempt to open the credit account, but fails identity theft victims by refusing to remove incorrect credit reporting information.
Product: Credit reporting or other personal consumer reports

The information listed on my credit report was not created by myself.
Product: Credit reporting or other personal consumer reports

I had a phone plan threw XXXX i ended up moving to XXXX. I called XXXX and canceled my plan. When I got back the was a report on my credit from XXXX I disputed it and got it removed after about 6 months there was a debt collector report on my credit I attempted to dispute this but was told their information was correct when it was not.
Product: Credit card or prepaid card

I am reaching out to the CFPB as both parties involved ( Chase Freedom credit card and XXXX  ) have not resolved my issue and this has been going on for over a year and a half. I find that government intervention may be able to fast track either party making me whole. I originally disputed the XXXX charge on my Chase freedom credit card for a fare difference. The receipt I was given at time of purchase stated XXXX yet I was charged {$980.00}, this was due to a currency conversion ( pounds into US dollars ) so that original dispute was re-charged to my freedom account, which was fine as the error was on my part. The reason I RE-disputed the same charge ( without success ) is as follows. XX/XX/2021 I logged into the XXXX XXXX to attempt to select my seats for my flights. I was instructed that I needed to manage reservations via the airline carriers, which was fine ( so I thought ). I entered the confirmation # s provided by XXXX at both United and XXXX XXXX and resulted in trips not found. I called both airlines, United airlines told me that there was no reservation and no flight under my name and confirmation number but that they could see it was originally booked by a " travel agent '' but had since been cancelled. I NEVER requested a cancellation. XXXX XXXX was less helpful and said there isnt anything they can do and that I dont have a booking. I went back to the XXXX site to do some investigating while being on hold with their customer service for 26 min ( I have an {$81.00} international phone charge from XXXX to show it ). They never answered so I browsed the site trying to glean any information that I could. The last screen shot is the information that I found, essentially stating that since I disputed the charge originally that it was now in the hands of my bank. So now I have {$980.00} charged to my card but have no product/service to show for it. As you can see from the screenshots my flight was supposed to be in less than a month and I had to purchase new flights. I am being held liable for a purchase that resulted in no goods or services being rendered. Both Chase Freedom and XXXX continue to say the other party has to resolve and this has been going on back and forth for over a year and half. I've accrued insane interest charges, negative credit reporting and a have not been able to use my credit card in the way which I intend due to this charge continuing to sit there. I ask that this issue be resolved immediately as it is an unfair deceptive and abusive practice. I'm stuck in the midst of a " he say/she say '' battle between two companies resulting in an undue burden to myself. I've attached screenshots of documents and confirmation # s and subsequent cancellations and can provide the email trail with XXXX if necessary. They have since changed their " communication '' model and you can no longer communicate via email with a service representative for them so it is incredibly difficult to contact. That said, they've made it clear that it's on Chase to resolve the issue. Chase is refusing to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Product: Credit reporting or other personal consumer reports

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following fraudulent accounts and information are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to you today to inform you that in the even you choose to not remove the disputed accounts and information, I will be filing a lawsuit. Also, I have sent a dispute letter to the Credit Reporting Agencies with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the removal of the following accounts and information completely from my Credit report : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove that the disputed accounts are mine, I am expecting the deletion of the disputed items completely from my Credit Report.
Product: Credit card

I have repeatedly requested that Citibank close my account, they tell me it's closed and yet they continue to process charges on a closed account and send me bills. Just now, I received a notice for a bill on account ending in XXXX in the amount of {$3.00}. This is just plain harassment.
Product: Credit reporting or other personal consumer reports

I have reached out to this company several times in attempt to get information on an accounts thats being reported on my credit profile that I have no knowledge of. This is not my debt and XXXX being held responsible for it. This company has failed to provide me with any information or proof of ownership of the said account. I would like this item removed from my credit immediately.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXXand forward I actually paid this account in full in XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions no feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by XXXX, XXXX, and hurricane dorian. I was also in a car crash. I was told I could skip a few months of payments by the redemption department. XX/XX/2019 needs updated as it wasnt missed. I was also military active duty. I gave them a plethora of information. The phone team read the disclaimers and advised the XX/XX/2019 payment would be skipped as it was not due, but because of their redemptions teams error it is showing I missed a payment still. Please update this on all credit agencies. XXXX, XXXX, and experian. Please also provide me a letter in writing to both email and conventional mail once corrected I can have for my records. I can not speak on the phone due to a XXXX currently. Please fix this error asap. I should have no missed payments showing from your company.
Product: Vehicle loan or lease

Dear BRIDGECREST FORMERLY XXXX # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/ for 300 days late :? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving VW Credit on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of VW credit in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - VW credit is a XXXX scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent XXXX 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with VW. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of VW allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in 2019 a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious VW Credit , Inc . The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. VW is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation.
Product: Debt collection

For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : Credit Control LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. Credit Control LLC via XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to Credit Control LLC any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

I previously submitted documentation prior directly to the bureaus most recently XX/XX/XXXX and no action was taken. 

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The following accounts that appear on my credit report : I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my rights Account name : XXXX XXXX  # XXXX has violated my rights Account name : XXXX. XXXX has violated my rights Account name : XXXX XXXX has violated my rights Inquiries XXXX  XX/XX/XXXX has violated my rights The above listed accounts 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 the information is inaccurate.
Product: Mortgage

We received a letter in the mail in late XXXX or Early XXXX alerting us that our Escrow account had about a {$5000.00} deficit and that our mortgage payment would be increasing if we did not pay the amount in full. 
I called XXXX XXXX immediately to see what had happened as we had never missed a payment nor had we seen any significant increases in taxes. 
In doing their research they were able to find where they had sent out my tax payment twice. I was informed then that it would take 60 days but they would have my account sorted out by the first of the year and that the increased payment wouldn't be effective. I had to call in the months of XXXX and XXXX to make my payment as the online and automated systems were requiring me to pay the increased amount. Each time I was told they escalated the situation to get it resolved and it should be done within 48 hours. My mortgage payment went from {$1300.00} to {$2200.00}. A MONTHLY increase of {$900.00} due to their error. XXXX comes around and I call every other day to get this resolved as we are now passed the 60 days I was initially told and I am concerned about this still not being resolved after multiple attempts. I was advised that if I make the lower payment that my mortgage was originally at it may get reported as a partial and not full payment. They advised me to wait to see if the payment gets fixed before the XXXX of XXXX where it would then be considered late. XX/XX/XXXX arrives and they have now " fixed '' my payment to {$1400.00}. Which is still an increase of {$110.00}. We make the payment as to not get a late fee or have a negative impact on our credit. I called to determine why my payment had increased {$110.00} a month as this is another {$1300.00} a year yet my taxes actually went down for XXXX verses XXXX. They explain to me that even though they made errors on my account months ago that they have me scheduled for my yearly escrow analysis in XXXX and the would look at adjusting my payment accordingly then. My account has been incorrect for months. I asked them to escalate my escrow analysis to be done this month so the payment can be accurately reported and they told me my request had been denied. I am now having to pay an increased payment amount in the midst of a global pandemic due to their error. They were not even able to explain to me where the new number of {$1400.00} had come from. If my account didn't have a proper analysis done then there should have been absolutely no increase until that time. I am constantly told that " they have escalated my concern '' with no resolution.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 XXXXXX/XX/XXXX