23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft or fraudulent activities. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Given the circumstances, I believe that the following hard inquiries should be removed, blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

* SYNCB/Amazon ( bank ) XX/XX/XXXX * SYNCB/PayPal ( bank ) XX/XX/XXXX * XXXX XXXX ( bank ) XX/XX/XXXX * A copy of section 605B of the Fair Credit Reporting Act, which requires the blocking of the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I settled a charged off account with Wells Fargo. The balance was {$880.00} and Wells Fargo agreed to settle the account in full for {$220.00}. On XX/XX/2023 Wells Fargo reported to the credit bureaus that a payment had been made on the account but said the account was a charge off that still had a balance of {$660.00} - when they should have reported a balance of {$0.00} as the account was settled in full I spoke to Wells Fargo today and they sent me documentation that the account was settled in full but refused to update the credit report accordingly Wells Fargo case # XXXX
Product: Checking or savings account

I am a retired person living in the XXXX now for 7 years. Citibank has both my XXXX, California and XXXX, XXXX residence address. I have filed XXXX complaints against Citi within the last few months. I have over {$70000.00} cash deposited with Citi. I have been a Citi " Gold Card Customer '' for about 20 years. 
PERSONAL BACKGROUND INFO : I am almost XXXX XXXX XXXX. My wife and I live off of my Soc. Sec. direct deposit to my Citi XXXX XXXX Acct. However, since our cost of living is higher than the XXXX Sec deposit, it is usually necessary for me to transfer from {$500.00} to {$1000.00} per month from our regular checking acct ( ending in XXXX ) to the XXXX XXXX acct, and then withdraw the total via my citi debit card. We also had 2 Citi Credit cards for larger and online travel and hotel expenses. 
In late XXXX, I came down with XXXX induced XXXX. I was not admitted to the Hospital... .because Citi had, without any notice to us, closed both our Citi Credit Cards . Here in the XXXX, you pay when you are admitted. Nor could I buy the buy the expensive medicines I needed ... because Citi had BLOCKED my online access to my accounts. 
So my wife and I were ordered by the local government to " quarantine at home ''. WE could not leave our house by gov order. No one was allowed to visit us. They put yellow crime scene tape around our property so everyone in the Subdivision would know we were off limits.We ran out of food and drinking water and money because my online access was still blocked. 
On XX/XX/XXXX, Citi sent me a letter of apology and stated that they had fully restored my access to my online accts. THAT WAS A LIE. I HAVE TRIED 4 TIMES TO ON ONLINE TO GET MONEY. ALL ACCTS BLOCKED. TODAY, THEIR 'chat '' SERVICE KEPT ME ON HOLD FOR 27 MINUTES, THEN OFFERED NO HELP. 
I nearly died from the XXXX. I am somewhat better now, but still under quarantine. We are reduced to begging food from the neighbors, ( can not order online delivery because no credit cards, can not pAY CASH BECAUSE MY ACCTS ARE BLOCKED. ALL THE WHILE, Citi assures me in writing that ACCESS has been fully restored. 
I NEED MEDICINE, I NEED FOOD, I NEED ACCESS TO MY MONEY... But all I get from my Bank are written lies about how sorry they are for screwing me over and assuring me that the accts are fully accessible. What a pile of cow dung. I may die before they let me get access to my funds///
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my most recent Equifax consumer credit report and I see that there are still inaccurate accounts and inquiries being furnished. Please remove the following accounts and inquiries as they are inaccurate and fraudulent. 

XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX I have attached correspondence from XXXX confirming this account does not belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> FTC to report identity theft XXXX and XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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  initiated an inquiry on XXXX ChexSystems report on XX/XX/2017 that as of the filing of this complaint was still on my report which goes against their own policy of removing inquiries after two years. There are two other inquiries from 2 different banks that are also 2 years or older.
Product: Checking or savings account

On XX/XX/19 I was charged {$100.00} for insurance. Chase charged a XXXX In sufficient fund fee. On XX/XX/19 I transferred {$73.00} and was left with a negative balance of {$69.00}. And on XX/XX/19 I charged {$32.00} for gas and made a deposit of {$40.00} just two hours later to cover the fee for gas. I am now being charged an additional {$34.00} by chase because Of the negative balance of {$69.00} from the original insurance payment of the {$100.00} and they had already taken the overdraft fee from my electronic transfer of {$73.00}. They are refusing to reverse the fee even though I expressed my dissatisfaction of the insufficient funds fee being applied twice for the same transaction
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : NOWCOM/ WESTLAKE FINANCE Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 at approximately XXXX I contacted chase disputes as requested I told the agent I didnt have my card when asked for the number the agent then asked for my social security # which I gave then Then again they asked for the last 4 digits of card # which again I told them I dont have it at that point they place me on hold for over 30 minutes until XXXX finally hung in frustration This type of unprofessionalism has happened on multiple occasions with Chase and their customer service personnel
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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. 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 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

I need to be able to place a credit freeze on my credit accounts to prevent unauthorized loans from being opened in my name, in no small part due to Equifax 's incompetence in allowing a breach of substantially all of their consumer data in XXXX. 

Equifax has been required by law to provide a free credit freeze service since XXXX. 

Since XXXX, I have attempted multiple times to open an account on the 'myEquifax ' website to be able to place a credit freeze. Every time I have logged into this account, I have received an HTTP 500 error from their web application, indicating an unexpected error in the software running on their web server. Competent software development operations consider a server returning an HTTP 500 to be an issue to be resolved quickly and task engineers with preventing them from recurring, as unexpected errors may lead to security problems and prevent them from fulfilling their legal obligations to customers, but Equifax appears not to run a competent software development organization or to care about customer experience. 

I have attempted at least three times to report this error so that I might gain access to an account to be able to freeze my credit, and have spent hours on the phone with Equifax customer service attempting to report this bug in their web application and seek a way to work around it. Equifax has never resolved this issue. I have never been able to freeze my credit with them. 

Their customer service personnel at one time insulted me as lacking initiative and thus being unable to get anywhere in life because I was unwilling to locate a fax machine to work around their continued incompetence in building and maintaining a web application.
Product: Checking or savings account

On XX/XX/2022 i was fraudulently charged XXXX dollars and when i filed a claim they only credited half the amount i claimed and later closed my claim after telling me it was still open and were looking into it. The charge not credited was made on XX/XX/XXXX and charge went through on XX/XX/2022 from XXXX XXXX for {$100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made the payment on time as confirmed by the bank statement attached. 
A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This account was suppose to be deleted this account was a result of identity theft. Other credit bureaus deleted the information and XXXX failed to remove and I have sent Police report and Identity Theft report.
Product: Debt collection

I am writing in response to your recent communication dated XX/XX/year> regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am exercising my right to request validation of the debt in question. Please consider this letter as a formal request for verification of the debt. As you have not supplied proof under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, and therefore no such debt, in fact, exists. Should you fail to provide the requested information within 30 days of your receipt of this letter, it will further support the presumption that the debt is not valid. Additionally, this letter serves as notice for you to CEASE & DESIST all communication activities in regards to the listed account above, in accordance with 15 USC 1692c ( C ). Failure to remove the account from my consumer report within 15 days as requested will result in legal matters being pursued, including reporting you to the FTC ( Federal Trade Commission ) for aggravated identity theft, FRAUD, and for violation of the FDCPA.
Product: Credit card

I did two balance transfers from citi card to XXXX cards to two of my accounts at XXXX on XX/XX/2024. One was XXXX and one was XXXX XXXX XXXX. They never arrived at the XXXX cards, so I contacted Citi multiple times, finding out that Citi sent the checks to the wrong account numbers. 

The account numbers listed on the checks are similar to mine but not correct. I asked Citi to fix this and they said they would, but didn't. Citi finally sent me copies of the checks they sent, showing XXXX cashed them both on XX/XX/2024, but to two incorrect account numbers. Citi told me to contact XXXX and have them find the checks and apply them to my correct accounts. 

I contacted XXXX and sent them the copies of the checks via fax. They looked into it and found that those incorrect account numbers did not exist, so they said that the checks were denied and sent back to Citi. They could not apply them to my accounts as they had already sent them back to Citi. 

XXXX said that since those account numbers did not exist, those two checks were denied and sent back to citi. 

Citi needs to find the returned checks and apply the amounts back to my account. I am currently owing nearly XXXX dollars that has gone NOWHERE. It needs to be fixed, asap. 

I have talked to Citi several times and they have not been able to fix this yet. 

I've attached copies of the checks which were sent to incorrect account numbers. The incorrect account numbers are on the checks. Again, these accounts do not exist at all. XXXX denied the checks and sent them back to Citi. 

The correct account numbers are : For the {$1000.00} check XXXX XXXX XXXX XXXX For the {$1700.00} check XXXX XXXX XXXX XXXX The card at Citi that is in question is XXXX XXXX XXXX XXXX
Product: Credit card

My due date is the XXXX and i have tried to make the payment. I made XXXX plus attempts by using the website, the mobile app, the pay phone and calling a nearby branch. The person at the branch stated they don't take payment even though the website states they do.the automated system is down and can't access my information. Every attempt has been made before XXXX. I am also not able to speak with a customer service person because the phone system can not access my information and it will only route me to a person if I put my information in and it pulls up which it won't.
Product: Checking or savings account

I, XXXX XXXX, a consumer, am here to express and resolve my problems I am having with Chime. I have been a chime member for almost four years and Ive never had money stolen out of my account but as I brought this knowledge to Chimes attention by filing a claim, they denied my claim within 3 days after explaining to me that it would take at least 90 days to fully investigate my claim. I contacted chime on XX/XX/2022 to inform them that almost {$5000.00} of unauthorized charges had been places on my account while I was incarcerated. No one I am connected to had any access to account and my card was still in property. I let them know that I had absolutely nothing to do with any transactions that were placed on the dates XXXX/XXXX/2022 through XX/XX/2022 and that I was not aware of any of these transactions until I was released on XXXX/XXXX/2022, the day I called to make my claim. I am highly upset with chime and I dont feel as so I was treated fairly, I informed them that half of that money was my rent money and I had no other way to pay until I received my funds, so I was at least looking towards a temporary credit to my account so noticing my claim got denied within 3 days left me utterly confused and completely in distraught. I had no back up money and that led to me getting evicted out of my home, Chime has failed and gave me no explanation as to why my claim was denied and since they clearly dont care about their costumers I am going the extra length reaching out to the bureau because I know you all will take the right time to fully investigate my claim. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Product: Checking or savings account

XX/XX/20 {$800.00} unauthorized transaction through XXXX to XXXX found the name XXXX XXXX Contacted him through XXXX  and asked to send back money through his account and claimed he didnt know what I was talking about XXXX/XXXX/20 {$800.00} was transferred into my chase account while they did research Chase closed my account after denying my claim twice after I have called to dispute again. So hard to get copies of my statements. 

I do not have a record of ever disputing a payment. This was an unauthorized transaction. Im a XXXX  in california who lost their job. I would not be spending {$800.00} this is rent money to me. I would just like your help on getting this back so I can then cancel my account with Chase since their customer service and fraud protection was so poor. 
Thank you for all your help.
Product: Debt collection

I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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 to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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 inquiries : XXXX XXXX XXXX XXXX XXXX XXXX