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

In mid XXXX my Citi credit card bill showed charges for XXXX services. I called Citi and disputed the charges. I informed them that I have never used XXXX. They closed my account and issued a new card. I did not use the card for some time and when i looked at my online statement three weeks later there were now nearly {$5000.00} in XXXX charges. I called to ask how that could happen. They admitted that the charges had occurred on XXXX XXXX and that they had automatically updated my card number on XXXX XXXX  and that they had deals with merchants like XXXX and had updated XXXX autopay with the new number. I again informed them that I have never used XXXX and do not have an account with them let alone an autopay. I disputed every XXXX charge. They again closed my account and issued a new card. A week later i received a letter reminding me to update my XXXX autopay because there were charges pending. I again checked my online statement and discovered that less than half of the XXXX charges showed as under dispute. On XX/XX/XXXX, I received a letter stating that since my phone was in my possession there was no fraud in I owed XXXX.. I again called them and again told them that I do not have an XXXX account. On XX/XX/XXXX I received another letter stating that since my phone was in my possession there was no fraud and now I owe {$5400.00}. Interest charges are accumulating and my credit score has already dropped fifty points. The letters also state that if i do not pay they will report to all three credit agencies that my account is past due. They have also repeatedly refused to tell me where the XXXX charges occurred. This is the treatment that i get after being a Citi customer for 29 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX  XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had issues with their auto pay system twice in XXXX 
So the two missed payments in XXXX wre their fault. not mine Since XXXX  they have reported this to XXXX XXXX, Equifax, XXXX as late. 

XXXX XXXX, Equifax, and XXXX have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

U

nder 15 USC 1681 section 602 States that I have the right to privacy. Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

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 RE : Account Changes Account # XXXX Whomever : Har Har Har LOL ROFL Thats a good one!!! XXXX % interest. Great joke everyone. 

What? Wait? You mean this is NOT a misprint? Are you XXXX  kidding me? 

XXXX ( not only no but XXXXno ) Does your greed know no bounds? 

I have had this account since XXXX. In that time I have never needed to finance any purchase on this account and I seriously doubt I will ever need to in the future. Having said that, why would I choose to do ANY business with a greedy XXXX company like Shell? 

I REJECT these changes and instruct Shell to close this account immediately. 


Sincerely, XXXX XXXX XXXX : Congressman XXXX XXXX Senator XXXX XXXX Senator XXXX XXXX Consumer Financial Protection Bureau
Product: Credit reporting

I am looking at my Credit Report for the first time in a very long time, and I am shocked by the things that are reported that are not of my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information 0n XX/XX/22.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

I have attached an FTC Report. Please remove these inquiries from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to an error on my credit report that is negatively impacting my financial history. Recently, I discovered that there is a credit card account with charges and late payments that I do not recognize and never authorized. Despite the fact that this account has been closed, it continues to appear on my report, affecting my ability to obtain credit. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Total fraudulent amount : {$120.00}. 

I have made multiple attempts to resolve this issue, but the incorrect information remains on my report.
Product: Money transfer, virtual currency, or money service

Can't link my accounts to anything anymore super inconvenient
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX  XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This account is being reported inaccurately. This account is already PAID and with no balance. Also, XXXX  & XXXX is reporting this as CURRENT & PAID while XXXX is reporting Late 120 Days. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, using the Wells Fargo online banking system, I submitted the ACH transfer request with the following details : ( XXXX ) From : XXXX XXXXXXXX XXXX  Checking Account, ( XXXX ) To : Wells Fargo Savings Account, ( XXXX ) Amount : {$25000.00}, ( XXXX ) Transfer Option : XXXX business days. 

On XX/XX/year>, amount of {$25000.00} was debited from my XXXX XXXXXXXX XXXX  Checking Account. 

After that, the money is still missing. 

On XX/XX/year>, I called Wells Fargo to figure out where my money is located. The banker on the phone investigated, and they told me that they do not see anything on their side. So, they advised me to call XXXX XXXX Bank to resolve the issue. 

On XX/XX/year>, After I talked to Wells Fargo, I called to XXXX XXXX XXXX  to request an investigation. The XXXX XXXX XXXX  representative told me that the money was debited and delivered to Wells Fargo. They also mentioned that there is no returned transaction, so they claims that it needs to be resolved with Wells Fargo Bank. They gave me the ACH Trace ID for reference. 

On XX/XX/year>, I visited a local Wells Fargo branch and requested help with the information I have. I showed them the ACH Trace ID and Online Transfer Confirmation Email. The banker called their back end system person, and they figured out that the transaction was cancelled for somehow on the same day I requested transaction ( XX/XX/year> ). The reason for cancellation is unknown. 

If the transaction was cancelled, then it should have been returned to XXXX XXXX Bank Checking Account by now. The XXXX XXXX XXXX  claims that the transaction was not returned. So, my money is still missing.
Product: Mortgage

I WAS NEVER LATE ON THIS ACCOUNT. I WAS IN A PANDEMIC RELIEF PLAN BUT THIS COMPANY MARKED ME 30 DAYS LATE FOR XX/XX/2021. I HAVE ATTACHED A SCREENSHOT OF THE PANDEMIC RELEIF PLAN DIRECTLY FROM THE COMPANY 'S WEBSITE.
Product: Credit reporting or other personal consumer reports

This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


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

I'VE BEEN HAVING ISSUES FOR OVER A YEAR DEALING WITH ACCOUNTS APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE AND IT SEEMS LIKE THE CREDIT BUREAUS ARE NOT WILLING TO HELP TAKE CARE OF THE MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.
Product: Vehicle loan or lease

I leased a vehicle from XXXX, my wife decided she wanted a different car, ( bigger ). I returned to Reedmans and asked what can be done? I was returning the lease 9 months early ( XXXX of 2017 ). The salesman stated that they would have to do an inspection of the vehicle first before anything else. After the inspection the salesman stated we are good to go, I do not owe anything on the lease. We then proceed to fiance a different vehicle. XXXX 2017 I received a call from Chrysler Capital ( XX/XX/XXXX. ), ( the company that XXXX used for the lease ), and stated I owe them {$690.00} dollars for wear and tear and they sent me the bill. I did not receive a bill from them. They stated I could make the payment right over the phone and I informed them I will not pay. XXXX did the inspection and said I owe nothing. They then stated they will send out another bill and I would have to negotiate with XXXX. I informed the person on the phone that that was already done when they did the inspection. They stated they will not contact XXXX for any payment. I called XXXX twice, both times leaving messages, explaining the issue in detail. I have not received any call back. I sent an email explaining the issue in detail. I have not received any response. I want this issue resolved, I do not want it affecting my credit. I believe I am being scammed by both of these companies and something needs to be done about it. {$690.00} dollars may be peanuts to these XXXX dollar companies but to me and my family its a large amount!
Product: Credit reporting or other personal consumer reports

Transunion continues to furnish false information. I have submitted multiple disputes for a collection account posting to my credit file in the amount of XXXX In XX/XX/XXXX, I submitted an online dispute through service.transunion.com and mailed in supporting documentation. This supporting documentation, which I am also attaching here, is from the collection company clearly stating this should never have been a collection and to DELETE the collection. However, Transunion verified the collection. I called Transunion on XX/XX/XXXX, and I was told I need to submit another online dispute and attach the documentation to the online dispute which I did. On XX/XX/XXXX, the online dispute " result '' posted as " delivery by postal mail '' NOT " in process, under review '' or anything that would suggest they were actually looking into the matter. I called Transunion on XX/XX/XXXX and explained the situation ( again ) and was told no supervisors were available. I was told the dispute department was " unable to see my documents '' but that " the back office '' " more than likely '' could but that " we aren't allowed to transfer calls back there '' and I was unable to verify my supporting documents had been received. This collection is causing me financial harm and I need it removed IMMEDIATELY!
Product: Credit card or prepaid card

XXXX XXXX I received a post card like piece of mail from Wells Fargo. They stated they had updated my address for my ( NONEXISTENT ) Wells Fargo account " in response to your request or a notification we received from the United States Postal Service ''. 
It ends by saying " Your address has been updated on the following accounts : XXXX Platinum Debit Card I spoke with XXXX and then XXXX in the " unauthorized accounts '' department. XXXX stated he had opened Identity Theft Case # XXXX and I should expect a call on Monday from XXXX. 

Last XXXX Wells Fargo sent me an actual credit card with a different ending stating I had opened an account. I filed a complaint with you and the bank and it was resolved. And now this. 
Please, please CARE. I have not had an account with them in over a decade and I was affected by their schemes back then. This is ongoing theft. 
On page 5 of your form you ask the billing address for the card. It is NOT my card and I have no real info other than the last 4 digits they sent. I put CO and my zip so I could submit the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a XXXX debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that

may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this att er nd receive inform related ereto. Be advised, if you fail to comply with this letter, I may tu
rn the matter over to a consumer attorney.
Product: Debt collection

Spring Oaks Capital LLC responded that they are sending me documentation that they have of the account that I disputed, all that they are providing is a contract with the original creditor, and account statements, first of all I do not or have I ever had a signed contract with Spring Oaks Capital LLC, if they are claiming that they bought this debt from the original creditor. I want to see the contract that they are claiming that they have, I want to see my signature on the contract. Copies of account statements do not prove that this debt is mine, if we have to go to court, which I am willing to, I will ask that my lawyer asks the court to demand Spring Oaks Capital LLC to show me the contract that obligates me to pay them the amount that they are asking for, the contract that they have comes from the original creditor and I am sure that my signature is not on that contract and again, I do not have a signed contract with Spring Oaks Capital LLC.
Product: Mortgage

As a XXXX employee, I was subject to unpaid XXXX in XXXX and XXXX XXXX and was looking at having to choose between mortgage payments and feeding the kids. Up to that time, every payment since XXXX had been on time. I contacted the holder of my VA mortgage, Flagstar Bank, and was told to submit hardship paperwork and they would look at a loan modification or other solution. I submitted - and heard nothing back. Calls to my 'single point of contact ' - no one else could discuss the situation - went to voice mail and were never returned. Submitted again in XXXX XXXX ; no response. Called by a VA rep in XXXX XXXX and submitted a XXXX time, with copies to VA - again, no response. In XXXX XXXX, notified of intent to foreclose. Hired an attorney and on XXXX XXXX, XXXX, received a TRO stopping the foreclosure. Flagstar attorneys moved the case to federal court and created a situation where my attorney fees would escalate dramatically. My attorney got an agreement to dismiss the case without prejudice and a promise the Flagstar would actually look at my modification request. Never heard back from Flagstar until recently, when I again received a foreclosure auction notice for XXXX XXXX. After repeated calls to Flagstar, I finally got a live person on XXXX XXXX and they sent a modification package - received XXXX XXXX - which states they can not stop foreclosure unless received more than 37 days out. Throughout this process, Flagstar has engaged in many of the same actions that were the subject of XXXX XXXX consent order.
Product: Checking or savings account

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed now Im trying to fix my credit
Product: Credit card

Some of the month payments is on current and not OK on green and I made the payments on time.Please removed immediately.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 15 U.S. 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