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

On XX/XX/2019 I purchased XXXX XXXX XXXX on XXXX and paid by XXXX. 
A few months later, Citi Cards XXXX located at XXXX XXXX XXXX XXXX, SD ) requested to pay {$99.00} for the same product. 
I disputed it with their dispute email address on XXXX XXXX. 
I send my PayPal receipt attached to the email. 
But several month later, they send me billing again for the XXXX XXXX. 
With their consistent charge mailing with increasing amount with interest, I finally report it to XXXX. 
During XXXX  process, Citi Cards said they will investigate it several times with no result. 

But today they sent me another bill with increasing amount of {$100.00}. 

I checked my credit report. They report this charge as non paid on credit report of mine. 
They damaged my credit report. 

I believe XXXX  could not solve this problem. Therefore, I request Federal level intervention.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against TransUnion, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as TransUnion 's, inaction violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX 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 XXXX XXXX
Product: Debt collection

Midland Credit Management sent us a final notice stating they were going to take us to court to garnish our wages or bank account. When I called to advise them that my wife and I were both disabled and unable to pay they persisted telling me that if we didn't pay the bill it would be taken to court to garnish our wages or bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Notification that my credit was Checked by XXXX XXXX on XX/XX/2018. I never gave consent or signed to have my credit pulled. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX
Product: Debt collection

On XXXX I received a notification from XXXX that Credit Management LP flagged my account as Collections. The company that claims the debt is XXXX. After calling Credit Management LP and XXXX I learned that someone opened an account under my name for service at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX on XX/XX/XXXX. The amount of the debt is {$2300.00} I have lived in XXXX for more than 15 years, I bought the house I live in XX/XX/XXXX and have never lived in XXXX. 
I made an ID theft report to the XXXX Police department, report number XXXX. I also sent a report to XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I sent XXXX dollars to a friend in XXXX via westernunion.com on XX/XX/2019 and received a call to verify some security questions. The westen union caller  notified me that the transfer was approved and the money was debited from my account. Later that day, I was sent a request to provide the receivers ID and the money was put on hold. Due to urgency and limited communication with the receiver, this wasn't possible to provide. The website lets you view the transaction and resend ( button that says edit and resend ), I attempted to do this for half of the amount to see if it would go through but the edit and resend started an additional transfer, thus debiting my account without calling me for security purposes like the prior time. I called several times, one time the customer service agent pretended that he couldn't hear me, the other a lady did not speak English well enough to carry a conversation, and the last stated a form would be sent for a refund to my email. The email eventually came but now required the receivers identification and place of birth to issue a refund. With international money transfers I expected to be scammed by the receiver not by the company transferring the money ...
Product: Credit card or prepaid card

ISSUES : A ) APR increase violated terms agreed to, and it's unreasonable. B ) Improper and questionable notice of the increase. C ) Billing dispute. D ) Closed account without my express authorization. 

A ) Around XXXX or thereabout Citibank called and offered XXXX XXXX + Variable Prime if I transferred money to its Diamond Preferred Card. It stayed that way until XX/XX/XXXX when Citibank got too greedy due to the ongoing Fed 's increases, and then yanked the XXXX from 6.24 % to 15.99 %. Citibank cited my credit score of XXXX, which was baffling given the excellence score and flawless credit history. 

B ) The notice was tucked in on page XXXX of the XXXX bill. Citibank intentionally failed to mail such an extremely important life impacting notice in a separate mail to ensure it was not missed. Citibank sends to me numerous nonsensical other notices in separate mail, raising question why the increase was not sent separately. I regularly make my payments online. 

C ) By the time the outrageous hike caught my attention I already made {$1600.00} purchases on the card past the since the new rate date of XX/XX/XXXX took effect. Consequently I quickly made a payment of {$2400.00} to offset the purchases, with {$67.00} left to cover the regular monthly payments on the balance prior to the hike. However, Citibank lumped the purchases with the preexisting balance in order to disgustingly and unconscionably keep charging me both the old rate and the new rate, despite being informed, clearly, that {$2400.00} was precisely made to offset the purchases that were made due to receiving their notice late. 

To ensure that this problem got resolved I asked Citibank to provide me information how much of the {$2400.00} went to the previous balance and how much went to the new purchases, and what was left of the purchases so I can issue a new payment to get rid of it. Citibank refused. 

D ) I then clearly Citibank that the alternative then would be to wipe off the entire balance and close my account and seize all business relationship for good. The language was pretty clear, yet Citibank went ahead an closed the account but did not write off the balances to end the business relationship. When notified Citibank stated it would reopen the account. At the time of this complaint Citibank has not done so.
Product: Mortgage

We have file several complaints about Wells Fargo Home Mortgage I have a Home Mortgage loan with XXXX XXXX, serviced by Wells Fargo Home Mortgage. I used the Cares Act Covid-19 forbearance. Once out of the forbearance I requested that my missed mortgage payment be placed at the end of the loan ( Deferral ) advised 4 times ( No extra payment gain for Wells Fargo ), I asked for any payment plans to shorten the years of payment and lower my interest rate. A couple days later Wells Fargo sent me XXXX radicicolous offers for a XXXX modification and a XXXX refinance. We rejected both ( money gained for Wells Fargo ) we NEVER signed nor returned the agreements that they offered, shortly after they FORCED, our mortgage into a Modification that we never agreed to do. unapplied our sent mortgage payment for almost a year, while trying to High pressure sells us into the modification program ( Money Gains for Wells Fargo XXXX Wells Fargo continue demand FULL LUMP SUM Payments After we complained about Wells Fargo VERY UNPROFESSIONAL AND UNETHICAL BEHAVIORS. THEY PUT OUR MORTGAGE INTO COLLECTION AND ATTEMPTING TO FORCE FORCLOSURE STOP MAKING THE INSURANCE AND PROPERTY TAXES PAYMENTS INTO EFFECTS, NOW sending back my XX/XX/2022 payment sent back XX/XX/2022, putting us into harm 's way instead of putting the use what the CARES ACT was put into place to help the people. Wells Fargo Home Mortgage is putting millions of people into HARMS way and the employees action shows, they care less. just see the millions of people that their unprofessionalism and unethical behavior have caused FALSE FORCECLOUSURE. Please Fully investigate DO NOT JUST TAKE Wells Fargo Employees word because they are Very Untrue and care less about people just want a profit, I guess in Wells Fargo practice is makes a profit for the company and I noticed Once I complained about Wells Fargo handing of my mortgage All negative stuff started to happen with my mortgage, BUT my XXXX will handle this problem for me and millions of other people. Thanks, putting it in XXXX 's Hands. Thanks, from me and millions of others. I noticed that another company was fined for the Very Same practice : XXXX XXXX  For the very same pratice that you are allowing Wells Fargo Home Mortgage to continue
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and have worked hard on getting back, now there are inquiries that i did not authorize or i dont have knowledge off This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block 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.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES 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: Mortgage

This is about an issue that I have addressed several times. I have been assigned case numbers repeatedly. To date, without success from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion, XXXX, XXXX. has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. 

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

THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX XXXX and Experian are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting, credit repair services, or other personal consumer reports

To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have repeatedly requested that National Credit Management provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX that a hard inquiry was done by JPMorgan Chase Bank on Monday XX/XX/2024. I did not do this. I also received a Freedom XXXX credit card from them in the mail on Tuesday XX/XX/2024. I called them and reported to them my concern of fraud. I told them to shut down this card and I would be contacting XXXX to also start a fraud claim on my credit report. I called XXXX right after. JPMCB said that they are unable to tell me where/how who opened the credit card ; the only information they could tell me was that it was opened on XXXX. They said they are sending me an ID theft kit and to follow the instructions. I called XXXX and reported this. XXXX told me to got to ftc.gov or file a police report and report the fraud/identity theft. Once done to send it to XXXX. I am very concerned because someone is pretending to be me and it affects my credit and sanity. Please help me. My cell phone is XXXX. They both said the card was closed. My credit score dropped significantly. I am upset about that.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX  Account # : XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX Account ( XXXX  XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.