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

I previously filed a complaint with Citibank. After weeks of waiting for a response, I am still in need of information. While related to previous inquiries, this INQIUIRY IS DIFFERENT and a request for documentation I have called and left messages with the executive assigned to the previous case, but have yet to hear back. I need information about the credit protector service that I was recently issued a refund for. 1 ) When was the credit protector activated on the account? 2 ) After trying unsuccessfully to activate the benefits, I closed the account protector program. What date was this done? 3 ) I have filed numerous requests for missing statements and have yet to receive them. XXXX XXXX  nor Citibank has not responded to requests. I am now requesting all statements on the account from XX/XX/XXXX to XX/XX/XXXX. 4 ) I am also requesting the account statement that shows when the account protector benefit was added. 5 ) The account statement showing when the account protector benefit was taken off at our request. 6 ) A copy of legal document showing what the account protector program benefit entailed. 7 ) a copy of the calls that were recorded when speaking with XXXX XXXX-the executive that covered the previous complaint. XXXX
Product: Bank account or service

My mortgage company denied my hazard insurance payment and purchased homeowner 's insurance for me at a premium rate. My mortgage company does not escrow my homeowner 's insurance and the banks actions may be an attempt to hold my insurance in escrow. I recently moved to a new home ( three years ago ) and I had no problem paying my homeowner 's insurance the first two years in my new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX, I was informed by Chase bank that my checking and saving will be closed, no reason given. 
On XX/XX/XXXX, I was told my accounts were closed completely and my fund $ XXXX should be sent to me by cashier check soon. 
However, I did not receive the check so I called Chase again, I was told my funds are being " investigated '' by " banking team '', no reason given, no time frame given. I have called more than 5 times about this, and the same answer given by Chase. 
Today is XX/XX/XXXX, I called again and still the same answer and no estimate completion time provided. 
All my funds are legal and mine. I need Chase to return my funds asap. I don't see they have a right to hold my funds for so long without giving any reason or completion estimate.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged overdraft fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXX Pm Cu XXXX XXXX Cred XXXX Credit
Product: Debt collection

I have my paid off receipt from XXXX saying that I paid off my {$43.00} balance with XXXX. XXXX is now reporting on XX/XX/2023 that my last payment to them was in XX/XX/2023. That is an accurate because again I have that receipt stating that I have paid off all my balance with XXXX, and they are going to report the positive payoff balance to all credit bureaus, which they failed to uphold their own words thus reporting negative balance to my credit at the reading of the receipt. All negative information report it to my credit bureau should be removed it once.
Product: Debt collection

Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX/XX/2015, XX/XX/2015 XX/XX/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt
Product: Debt collection

I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Product: Debt collection

Subject : False letters about collecting a debt amount of {$2700.00} Incident date ( car accident ) : XX/XX/2016. 
Company trying to collect false debt : XXXX XXXX XXXX XXXX XXXX. 
name of 3 collections companies i have responded to : 1 ) XXXX Phone : XXXX File # XXXX ; Claim # XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MA. File # : XXXX XXXX XXXX 3 ) Weltman , Weinberg & Reis Co. , L.P.A . File # XXXX I do not have any responsibility for the debt they are trying to collect. I was not at fault in the car accident. Also, I had insurance coverage at the time of the accident. It was a rental car from XXXX and I had purchased additional liability insurance. 

I am not responsible for this debt. They need to stop all communications with me and with this address, and record that I dispute having any obligation for this debt. In spite of me sending 3 registered letters and supporting documents and evidence, they still keep sending it to new collection companies to harass me and I have responded to all 3.this needs to stop. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting the deletion of an inaccurate and duplicate account on my consumer credit report. After reviewing my credit report, I am NOT responsible for this duplicate and inaccurate account. 

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. It has been 30 days, and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. 


15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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. 

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates. 

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the duplicate account listed IMMEDIATELY! 
I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of this account listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove the unverified, invalid, and derogatory account from my consumer report. 

The consumer report that was prepared under my social security number is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following duplicate inaccurate information below from my Consumer Report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

CFPB WEBSITE : Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive COVID hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a HUD-approved housing counseling agency , to discuss a repayment plan that works for your situation. 

WELLS FARGO DID NOT FOLLOW THIS RULE, THEY REQURED A FULL AMOUNT OF COVID FORBEARANCE AND WHEN I WAS NOT ABLE TO PAY IT THEY TRANSFERED A LOAN TO A COLLECTION AGENCY WHO STARTED A FORCLOSURE LAWSUIT.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity.

Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information.

Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 


Company : XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB '' s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy from 2013 had my ex-husband 's house on it., It was not my house. Experian will not remove it.
Product: Credit card or prepaid card

There has been a credit card application that was applied using my name. When I go by and use a different name. It was made on XX/XX/23. I did not apply for a this FNB Omaha credit card. It was denied thankfully but it wasnt me that applied for it. I have called XXXX and they told me to report this through here and submit my report form this to them with my ID confirming my current address.
Product: Debt collection

See Attachments Included. This medical debt for XXXX XXXX/MCCARTHY BURGESS WOLFF INC ( MBW ) has been reported on my credit with a date of XX/XX/2020. I have never received any written notices in regards to this alleged mobile debt for {$2400.00}. I sent a debt validation letter and the only thing I received was a list of installment and interest charges that was not authorized by me. I never received anything with my signature on it to validate this alleged debt neither did i receive a list of charges or breakdown or anymore information that confirms this a debt associated with me. I have reported this and filed a complaint as well as there are other items on my credit report that is inaccurate and needs to be deleted. I have sent notices in regard to wrong names and address listed under my social security number.
Product: Credit card or prepaid card

Account Identification Number XXXX - XXXX XXXX During some financial trouble, I made arrangements for a payment plan with XXXX. I made all of my payments as agreed. In XX/XX/2018, my automatic payments stopped coming out of my checking account. I called the customer service line to find out why and to make sure the payments were reinstated. I was told they were. The next month, the payments were still not coming out of my account so I called again. When I realized that the automatic payments were not set up again like I was told they were, I began making the payment online via the website. I was notified that the account was reported 90 days past due on my credit report. When I called to find out why the account had been transferred to a collection agency. They told me that I had been taken off the payment plan back in XXXX, but I was NEVER notified. I have made all the payments per our agreement on time. They have been reporting my account late as well as charging late fees to my account every month which have accumulated to over {$230.00}. My balance is {$500.00} - That is 1/2 my balance! I would be happy to pay the card off now, but do not feel that I should have to pay those late fees. I called customer service numerous times. I was told my account was being re-aged and the late fees were being removed, but then when I received nothing in the mail verifying that, I called back today only to find out that this is not happening and they are still reporting my account late.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I recently disputed a few accounts reporting from TRANSUNION in XX/XX/year>. These account all came back inaccurate and incomplete. They have been verified bearing the same problems that were disputed initially. Nothing has changed. The reporting of these accounts violates 15 USC 1681e ( b ) under the Fair Credit Reporting Act. This as a result is harming my credit reputation.
Product: Money transfer, virtual currency, or money service

Same as previous comaint. They gave a response in which they once again lied about offering assistance. I demand a proper review and refund as this is pure incompetence from Cashapp at this point.
Product: Vehicle loan or lease

I obtained a auto loan through Santander Consumer USA, and made my first payment on or about XX/XX/XXXX. No principle dollar amount of the loan wasnt deducted until XXXX of XXXX. They still continue to mis apply payments to my loan. They are currently being sued in a multi state lawsuit for unfair practices, and at this point I am not part of the lawsuit. My interest rate is 24 % and the loan is just in my name. With my current loan payments, mis application of payment distribution, my interest rate and other miscellaneous factors Ive been harmed. I still owe about XXXX for a vehicle that is worth XXXX. I can not sell or trade the car in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which has caused severe XXXX and XXXX  upon me, and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XX/XX/XXXX The credit bureaus stated Fifth Third Bank account # XXXX was properly investigated and came back as verified. However, how is that true when there are several inaccuracies showing on my report. With that being said, the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 

Below is a list of inaccuracies on Fifth Third Bank account # XXXX Inaccurately opened account dates : XX/XX/XXXX and XX/XX/XXXX Inaccurately date opened balance : {$240.00} and {$200.00} Inaccurately last reported on the account date : XX/XX/XXXX and XX/XX/XXXX Inaccurate date of last payment : XX/XX/XXXX and XX/XX/XXXX Inaccurate date last active : XX/XX/XXXX and XX/XX/XXXX Inaccurate monthly payments : {$35.00} and XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ). Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations as you are re-aging my account. Re-aging collection accounts without permission is not a legal practice and is prohibited by the Fair Debt Collection Practices Act and therefore I am demanding that you delete this account immediately. 
Account info : Account name XXXX Account number XXXX
Product: Bank account or service

I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number XXXX Date : XX/XX/2018 TransUnion has on page 12 of 13 Supplemental Consumer Credit Information Auto finance Inquires in the last 3 Months:2 6 Months:2 9 Months:2 I have not applied for no auto loan on none of this information stated by TransUnion under Supplemental Consumer Credit Information in any way. I would documented proof from TransUnion to where it was done as stated by TransUnion on my credit file. There has been no auto loans by me requesting any Auto loans. 
I opt out of Inquiries or companies Inquiring about giving credit or selling. 
Im tired of Inquiries showing up if I have not applied for them by TransUnion on my credit file.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

I XX/XX/2017 I purchased a car that I had previously leased and was offered a loan through USAA. They accepted the collateral value from the lease company of approximately 18500. I asked for both the extended warranty and GAP insurance ... USAA calls this Total Loss insurance. Now They claim that I didnt get the GAP. My car insurance is also with USAA. My car was in an accident and it was totaled. They now are offering me XXXX and I owe over 18000. They now say I dont have gap and I owe the difference. Im sure I asked for it and they can not explain the gap between their XXXX collateral value for the loan and the dramatic decrease in value as determined by their insurance company. Its been about 7 months. I applied on the phone partially and online partially for the loan. Ive asked for my loan papers and proof from them that I was asked about GAP and that I declined it. They claim there is no evidence of that available.