23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In light of the recent CFPB lawsuit addressing significant issues with zelle I am reaching out to express my concerns with my own issues with Zelle. Zelle support was not helpful resulting in confusion on where my sent money had gone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect balance information to Experian. I asked them several times to correct this information, but they do not respond back to me. They are reporting the credit limit as the balance owed. The loan has a XXXX balance and they are reporting {$34000.00} as the balance owed. I contacted Experian, and they contact XXXX, and they do not update the balance information on the account. This is causing problem with my credit score. XXXX also suspended my drawing on this Heloc because of Experian incorrect credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have dispute these 3 accounts for different inaccurate i am demanding removal and complete deletion of these accounts based on 15 U.S. Code 1681b - Permissible purposes of consumer reports they have no written consent to report information under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX  XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX  XXXX  XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted the Bank Of America fraud department for XXXX payments withdrawals from my account I did not authorize. XX/XX/XXXX I got a letter stating a decision was made XX/XX/XXXX in my favor that these withdrawals were fraud and a check would be mailed to me in the amount of {$3400.00} on XX/XX/XXXX. XX/XX/XXXX I spent over an hour at the Bank of America XXXX PA branch updating my mailing address and trying to get a status update on the fraud reimbursement check I never received. The gentleman on the phone said a credit was made to a closed account and the money was in limbo. He thanked me for bringing this to the banks attention and I would recieve the check in 7-10days. XX/XX/XXXX I spend over 1.5hrs at the Bank of America XXXX PA branch with XXXX the branch manager trying to get an update in the same reimbursement check I still had not received. The final result that day was to return XX/XX/XXXX when the fraud department was open. I came in XX/XX/XXXX and after over an hour of department phone calls with the branch manager XXXX, we were told the check was going to be mailed that day, Monday XX/XX/XXXX. Wednesday XX/XX/XXXX I again entered the Bank of America XXXX PA branch to receive an update to the fraud reimbursement funds check. After over 2hrs of phone calls between departments the branch manager XXXX escalated my complained to her supervisors. I called XXXX XX/XX/XXXX to see if there was any update at which point she informed me the fraud department overturned their decision in my favor and I am no longer entitled to a reimbursement of fraudulent charges.
Product: Credit reporting or other personal consumer reports

In the past XXXX months XX/XX/24 XX/XX/24 Ive been working on my credit. I sent certified mail to all XXXX Credit bureaus and a lot of information has not been changed. I sent the certified letters to let them know there were hard-hit inquiries that I did not approve. I also sent copies to show them. Which ones wasnt approved by me. There is a reason XXXX XXXX score is a XXXX to XXXX point difference than the other XXXX bureaus and its because they have information incorrect and they refused to fix it. I dont know what I can do. I dont believe any other took off the incorrect information which was a lot of inquiries out of XXXX XXXX Florida XXXX which I did not agree to run my credit for considered hard hits and they havent been removed the issue with XXXX XXXX XXXX why my score is so much lower. I can not figure out and there was no assistance when I spoke to them.
Product: Credit card or prepaid card

Re : CitiCard VISA complaint Citicard refused to dispute online fraud from XXXX & XXXX ( XXXX ). In a charge posted XX/XX/2019, it said they don't do " quality control '' over rentals such as the one I'd reserved in XXXX, PR. To be clear, a receipt was provided for 700SF room and no one disputed it was switched for 200SF received. XXXX   disconnected 3 calls during my initial check in and then later argued I'd stayed, so there's nothing left to argue about. CITI knew I believed a pattern of fraud based on several reservations made, most were falsely advertised, but they refused to find fraud in that case. 
Now, another charge for rental in XXXX led to discovery of several specific misrepresentations that called for XXXX 's Book   with Confidence guaranty ( like XXXX, it claims that once their " dedicated team '' gets in the loop, you're protected ), meaning they're obligated to investigate misrepresentations and relocate the victim of this kind of sophisticated fraud at their own cost. 
To be clear, my rental now was for XXXX through XXXX, but once inside we realized the fridge defect was known prior to our arrival yet undisclosed, airconditioning was admittedly misrepresented on review, bug infestations revealed issue, and dog nuisance was on premises and well known yet lied about to me during lead up to check in. So condoning lies as modus operandi at XXXX was means of nullifying my real time claim for Relocate on XXXX. Since then, it simply sends anonymous emails declining knowledge of anything wrong, ignores calls for administrative interaction, and sending surveys for its " dedicated team '' as if that type response in his particular setting were not creepy So over {$980.00} inXX/XX/XXXX& {$2200.00} was charged where clear evidence of fraud from getgo was present and withheld even after disclosure of bad actors came out. But in both cases, the reservation agency after faking amenities present engaged on obvious lies to perpetuate the illusion that Relocation was not called for. How do we get an independent review of CITI 's resolution procedures to show its deliberate indifference toward crooked billing parties ( XXXX, XXXX )? The AZ Attorney General Complaint CIC # XXXX released the prior complaint at XXXX after documenting with no outcome. Fraud must be addressed for what it is and stopped. CITI must be called for its complicity in this ongoing criminal activity
Product: Credit card

Hello, I hope this message finds you well. I have been a loyal Citi cardholder for several years now, and I am reaching out to request your assistance regarding interest charges that have accrued on my account. 

Recently, I reviewed my account and noticed significant interest charges despite making consistent payments through autopay. When I first started using my Citi card, I was unaware that making the minimum payment did not prevent any additional charges, which led me to rely on autopay as my primary method of payment. Based on this understanding, I did not expect interest to accrue. 

This was a complete misunderstanding, and unfortunately, during the course of several years and consistent payments, these charges have grown to a substantial amount causing unexpected financial stress. Thus far, I have reached out with Citi on multiple occasions and have receive little to no assistance than to continue to accumulate interest while I can not afford to pay in full balance currently. 

I have provided my interaction with Citibank below. 

Dates I have reached out with customer service : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX First call : Suggested to lower APR % by 5 % - 27 % to 22 % ( best help ) Second call : Suggested they will waive XXXX XXXX directed me with account specialist and call ended abruptly.

Third call : Escalated to account specialist, was informed there is nothing I can do. I had to suggest resolutions myself for account specialist to agree and provide me with a more geared answer. Directed me back to customer service, ( I have not had any connection issues up until this point, call ended with customer service stating they could not hear me ). 

These interactions have caused me to feel hopeless, as I've been told that most credit card companies are able to create a plan and assist customers for all types of issues. 

Known Interest charges have been provided below while others are being processed XXXX : {$1200.00} XXXX : {$640.00} XXXX {$490.00} XXXX Requested XXXX Requested XXXX Requested XXXX Requested I greatly appreciate your consideration and assistance.
Product: Debt collection

My daughter was in XXXX XXXX  in XXXX in XXXX. I was dealing with a woman named XXXX XXXX on all the billing. She was very helpful and it ended up with everything taken care of after XXXX sent out duplicate checks that were never cashed the first time. 
In XXXX I receive notice from the XXXX XXXX XXXX XXXX, whom I tried to contact on several occasions via phone calls and messages left with the secretary, to no avail. I never heard back after several months of that going on so I assumed it was a scam. I tried to contact XXXX XXXX who is no longer with the company. Heard nothing back until XXXX Credit Collection Bureau has sent out a notice for a collection in the amount of {$2300.00}. I called to find out what this was about and the gentleman I spoke to was extremely abusive, told me he could give me the number to the White House if I wanted any other answers and didnt want to just pay the debt, told me that I clearly stole money from my insurance, told me that he was going to call the police to come straight to my house, and went on to call me several names that were disgusting. When I called back the next day to reach out to someone new I got a young woman named XXXX XXXX Who is extremely sweet and somehow she is from a group called XXXX XXXX XXXX. After several attempts on my end for answers she has me send her a packet which I got through XXXX Of all claims and all checks that were cashed and also who had cashed them to prove that it was not me and it was in fact XXXX XXXX! I pay {$30.00} to send this package out to them at the PO Box she gave me and the name XXXX XXXX she gave me and no one claimed it, it ended up getting returned to me. What I want in the end is for this debt to be cleared because it is not an actual debt and somehow it is a scam between the rehab and XXXX XXXX. Some of the dates that are on the claims stating my daughter did XXXX test are actual dates that she was not in XXXX and I have brought this to their attention on several occasions and once again with no answers. I want this harassment to stop and I want this to be cleared somehow. If this is an actual debt I will pay it but somehow I need answers from someone and proof that this is real. This has gone on for years and this is part of our lives that are in the past so I dont understand why it keeps coming up but no one will respond to me from these companies! Thank you so much.
Product: Credit card or prepaid card

2018 midline sent out a credit card I did not authorize. To date it ha a balance of ove {$600.00} wich I did not authorize. I live on a campground where everybody has access to the mail. I never knew I had a card until I was supeenaed to court
Product: Checking or savings account

where and what account # it was refunded, i also would like to clarify that this trasaction was ( PAID using CASH that is why there is no record of purchased, But merchant Did a MANUAL refund on ( XX/XX/XXXX, XXXX ) time XXXX employee 's Name that initiated th refund was ( XXXX on the debit ( XXXX ) ACCt ( XXXX ) Refund Authorization # XXXX additional proof below will be attached i also have the email From BMO bank in XXXX XXXX XXXX XXXX  XXXX XXXX proof that he had work with the back office to check on this matter, and confirmed that there is a refund but it was iniated as pending refunding ( All additional proof below will be attached, kindly pls check, hope you can assist me with this matter, as this bank take 's months to resolved issue, it is only now that i got CFPB involved that they are quick to response.
Product: Checking or savings account

They screwed up my XXXX XXXX account and my XXXX XXXX Account. I can't use the transfer options because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that my SSN belongs to the ( SSA XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. ( XXXX  ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX  for the account opened XX/XX/2021 with account number XXXX. Failure to remove account in XXXX  days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Payday loan, title loan, personal loan, or advance loan

To whom this many concern I demand my right to subrogation as the XXXX XXXX XXXXXXXX XXXX XXXX in re XXXX and stock XXXX I appoint title XXXX as trustees to set off and settle this account at my direction to fulfill your duties as liable trustees. I demand return of my vehicle to XXXX XXXX XXXX and all interest paid in full to me as subrogee
Product: Debt collection

We are a place of business and we do not give out any type of information regarding our employees or their family members. We are getting numerous calls from RNN Group and we are not obligated to confirm or deny who works for our company. This is obviously a debt collection. The RNN Group representative is extremely rude and unprofessional. They seem to have made it their mission to continue harassing our place of business and they do n't even know if the person works here. If they were professional, they would not be disrupting another place of business over someone 's personal debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 TransUnion LLC received ( 2 ) letters from me, a letter of dispute for unverified accounts and another letter to update my address. ( evidence attached ) I was informed by mail on XX/XX/2019 that another form of verification was needed to update my address on file. I contacted TransUnion by phone and was advised that my dispute investigation would not be halted however processing the address update would be delayed until certain documents were received. 

The week of XX/XX/2019, I received ( 2 ) dispute results with the issue date of XX/XX/2019. ( 1 ) letter was mailed on XX/XX/2019, the other mailed on XX/XX/2019. I contacted TransUnion and spoke with a XXXX then his superior XXXX regarding this violation. XXXX advised me that the investigation was completed on time and the correspondence was mailed out on XX/XX/XXXX & XX/XX/2019. I inquired with XXXX as to why both sets of communication had the issue date of XX/XX/XXXX if ( 1 ) of the reports were issued on XXXX XXXX. XXXX responded, " We have a different address on file for you than the one you verified at the beginning of the call. '' This doesn't make sense, I received communication from TransUnion once in XX/XX/2019 and twice in XX/XX/2019 at the address I provided. However, the notice they mailed on XX/XX/XXXX was mysteriously sent to a different address? Every document I sent to TransUnion included my name, social, date of birth, and ADDRESS at the top of the document along with an up-to-date license and current bill/bank statement with my address. How could the XX/XX/XXXX mail have possibly gone to a different address? 

After advising XXXX of these facts, she placed me on hold to review the documents sent in. Then, she informed me she could send me the results from XX/XX/XXXX today ( XX/XX/XXXX ). I told her, I already received those results twice, sent XX/XX/XXXX & XXXX ISSUED on XX/XX/2019. She then informed me that those are just copies of my credit report not the results of the investigation. So does that mean, I never really received my results because what I have is just a credit report and not the dispute results? But I thought the updated credit report should reflect the dispute results??? 

Either way as of today, XX/XX/2019 I have yet to receive my official dispute results per the conversation I had with XXXX this morning and TransUnion LLC is in violation of the federal law for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I used cfpb to file a complaint to Experian to resolve issues on my consumer report to non avail. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX continues to report on my consumer report. What method of verification was used to validate and/or update these accounts? I am also attaching a copy of deletion of XXXX XXXX XXXX from XXXX XXXX. according to FCRA 15 usc 1681, the bureaus are supposed to notify other bureaus of deletions. Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of these accounts. Pursuant to 15 USC 1681c-2 these accounts must be blocked no later than 4 business days of receipt and statement that these accts are a result of identity theft. these accounts are causing stress and harm to me mentally and financially.
Product: Payday loan, title loan, or personal loan

Today at XXXX EST-i tried to make a payment and their server says that I am not able to make payments between XXXX ( Pacific Daily Time ) I am in EST zone so this should not affect me. This is the 4th or 5th time this has happened. I've brought threats of the CFPB and this company doesn't seem to care. I am trying to pay additional principal down and their website will not allow me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.
Product: Credit reporting or other personal consumer reports

I have XXXX missing closed loan accounts not showing in my Equifax credit report, I do see them in my XXXX and XXXX. 

I confirmed with creditors account should be reporting with Equifax and was advised to contact the credit bureau directly. 

I have had issues in the past before I got my social security number, where the credit bureau system automatically create a credit file even without providing a social security number, this is why I am asking the credit bureau to try to locate those accounts manually as it could possibly be in a different credit file under my old address or previous name used. 

Please check attached cover letter and supporting documentation.
Product: Credit reporting or other personal consumer reports

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the negative information off of my Chex systems for the information is inaccurate and false
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times in reference to the XXXX XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft