23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2024, I received a message from Citi regarding a potential fraudulent charge. The charge was for charging an electric vehicle some place outside of XXXX where I live. I do not own an EV nor has there ever been an EV charge on my account. I have plenty of gas station charges, however. I immediately called and confirmed that this was in fact a fraudulent charge. I closed the account, and they reissued another card and account number. 

Fast forward, they reversed the credit they issued. I called on XX/XX/XXXX when I noticed this. They told me that the merchant sent in a receipt for the charge. The receipt is nothing more than a receipt. No signature. It is not sufficient evidence ( I am an XXXX ) to support I was there and made the charge. On the call, I explained that a receipt does not mean I made the purchase. They agreed and were supposed to give me credit. 

I just received my statement yesterday on XX/XX/XXXX. The credit has been reversed again! I talked with a few people at Citi yesterday and was told that because I did not respond to a letter they sent by XX/XX/XXXX, it was my fault. I called them on XX/XX/XXXX which they have noted in the system. I explained again that this charge should never have been on my account since they knew it was fraudulent even before I did. I called immediately to confirm it was fraudulent. They are now saying they will resubmit the credit again and it will take XXXX  days to receive. This is outrageous! I have spent XXXX hours on this already, and they are hoping to wear me down or I will forget. This is not ethical in any way. 

PLEASE investigate Citi. I feel certain this is probably more widespread than me given the reponses from employees. THis is not a mistake. This is their practice now. You could ask for all their fraudulent transaction flags, the list of customers that called to confirm the charges were fraudulent, and then see that they continued to charge the customer hoping they would not notice. ( I am an XXXX. ) They are scamming consumers!!! And it's not right. I have never had an issue like this with a fraudulent charge. Typically, if the company knows it is fraudulent, the charge never hits the account. Also, please encourage consumers to check their statements very carefully.
Product: Mortgage

Please See Attachments Based on my experience, I am requesting that an investigation reveals the routine, daily practices of Performance Mortgage ( Corporate NMLS # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I'm confident that the ratio between " non -white '' loan applications and " non-white '' loan approvals are very low. In contrast, I'm sure that the ratio between " white '' loan applications and " white '' loan approvals are very high. If this is true, then what happened to me makes sense. I'm hoping to uncover a routine practice within this firm that discourages, or overburdens " non-white '' applicants until they give up from exhaustion, or take their business elsewhere. 

Hopefully you agree that the mortgage loan officer has the power to share or withhold pertinent information that could make or break a deal. Communication documented in the 10 digital XXXX threads prove, that the mortgage officer was the only reason that a lender did not approve me for a loan. Note : Performance Mortgage and I, have access to the digital e-mail threads. Please provide an e-mail address so I can forward this information to the CFPB employee that will be handling this case. 

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

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX XXXX OR EQUIFAX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Report of Violations by Equifax Information Services Dear CFPB, I am writing to formally report several violations related to my account with XXXX XXXX XXXX  XXXX. After reviewing my account statements and credit report, I have identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The details of these violations are outlined below : 1. **Account Status Discrepancy** The account is reported as " Charge Off, '' but the remarks indicate it was " paid for less than the full balance '' and " paid charge off. '' If the account is settled, the status should reflect " Settled '' or " Paid, '' not " Charge Off. '' **Potential Violation : ** Inaccurate account status.

2. **Late Payment Reporting After Charge-Off** The report lists late payments ( 30/60/90 days ) for months following the charge-off date. Once an account is charged off, late payments should not continue to be reported as the debt is no longer active in repayment.

**Potential Violation : ** Continued reporting of late payments after the account was charged off.

3. **Remarks Contradiction** The remarks state the account is disputed and resolved ( " paid for less than full balance '' ). If this is accurate, the late payment history and charge-off status should align with the settlement agreement.

**Potential Violation : ** Failure to accurately update the account based on resolution.

4. **Balance Reporting Inconsistency** The balance is reported as {$0.00}, indicating the debt is fully resolved. However, the " Collection/Charge-off '' status and late payment markers may mislead creditors or other reviewers.

**Potential Violation : ** Reporting resolved accounts in a derogatory manner.

5. **Failure to Update After Dispute** If I have already disputed this account and provided evidence of resolution, failure to update the report violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure all information is accurate and complete.

**Potential Violation : ** Non-compliance with FCRA dispute resolution timelines ( 30-45 days ).

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure that Equifax Information Services complies with the Fair Credit Reporting Act. Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

1.My debt was paid to the original creditor, XXXX XXXX, in full. I have no outstanding debt with XXXX XXXX, and no reason for Portfolio Recovery to continue to claim that I do. 
XXXX. I notified Portfolio Recovery that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. 
XXXX. Portfolio continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that Portfolio Recovery maintains it has an open account for me for the referenced debt. 
XXXX. As the debt was paid to the original creditor, Portfolio Recovery is required to remove their notation from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.
Product: Mortgage

I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.
Product: Credit reporting or other personal consumer reports

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g.

I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am trying to get a refinance, on my home, I found out from the loan company ( XXXX XXXX ) that my mortgage co.. Chase has not been reporting payments to credit B. We did a loan mod. about 6-7 yrs ago..My wife has been making payments for about 6-7 yrs. XXXX XXXX also said that my dose'nt even have a score..I feel that something is not right. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

WFDS XXXXXXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, Im writing to dispute multiple accounts on my credit report that Experian has failed to properly investigate. Ive recently learned about the CFPB lawsuit against Experian, and it seems the issues theyre being sued for are the same ones Ive experienced. 

Here is the name Im disputing : * XXXX XXXX XXXX Here are the addresses XXXX disputing : * XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Here are the accounts Im disputing : Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Here are the Inquires Im disputing : * XXXX XXXX Did not authorize this inquiry * XXXX-Did not authorize this inquiry * XXXX XXXX XXXX _ Did not authorize this inquiry * XXXX XXXX not authorize this inquiry * XXXX XXXX not authorize this inquiry * XXXX XXXX ( Duplicate ) , Did not authorize this inquiry * XXXX XXXX XXXX-Did not authorize this inquiry * XXXX-Did not authorize this inquiry I provided clear evidence to support my disputes, but it seems like Experian didnt actually investigate these accounts. From what I can tell, you just accepted whatever the companies who reported the accounts told you, even though their responses didnt make sense or address my concerns.

To make things worse, the response I received from Experian didnt explain anything. It didnt tell me how these accounts were verified or provide any proof. In some cases, it feels like you mightve put back old, inaccurate information onto my report without notifying me, which is against the law.

Heres what I need you to do : 1. Reinvestigate each account listed above and make sure you actually verify the information with proper evidence.

2. Remove any incorrect or unverifiable accounts from my credit report.

3. Send me detailed results showing how you investigated these accounts and include any proof you used to verify the information.

4. Make sure these accounts arent added back to my report unless theyre proven accurate, and you notify me in writing. 
Please resolve this within 30 days as required by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently XXXX  many inquiries listed on my credit report. It appears someone is trying to purchase vehicles, lines of credit or credit cards in my name. I recently purchased a home in XXXX, XXXX  and this has happened in-between this time frame. There are about XXXX inquiries listed some under my name with my social security number and some using my social # under different names. Please have these inquiries removed as this is fraud.
Product: Credit reporting or other personal consumer reports

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I ama victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX XXXX amount : {$5900.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX : {$3500.00}, XXXX XXXX XXXX : {$1800.00}, XXXX XXXX XXXX : {$2800.00}, XXXX XXXX amount : {$940.00}. Remove hard Inquiry as well XXXX XXXX XXXX, Date XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* TODAYS DATE:XX/XX/XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I, owner and operator of XXXX XXXX, would like my balance of {$9800.00} returned to me immediately. On XX/XX/2020, my account was closed by bank of America for an unknow reason. I received a letter informing me that I will receive a cashier 's check of the balance remaining in the account within 30 days. I never received my funds back. I contacted customer services serval times and was hung up on. I sent a certified letter demanding my money, which was ignored. I reported Bank of America to the CA Secretary of State and received a letter saying that they still have my money, but they don't know who it belongs to?! I am now getting ready to file a lawsuit unless my money is returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1700.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$870.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/year>. The Date Opened for this account on Experian and XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX