23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a letter last week, regarding a dispute I filed. The letter advised me to close my debit card and to call the number on the letter. When I called the CSR said that there was NO issue with my ca rd or account. I asked if I could read the letter to them, and I did. She repeated her first statement, t here is nothing wrong with the card or account and to disregard the letter. On XX/XX/20 I went online to check my account balance for a DD. I was unable to login. I called CS at Citi, the person said not hing was with my account and transferred me to the IT dept. They said that a hold was on my acco unt and that i needed to speak to the fraud department about my dispute. On XX/XX/20. I was on the phone with Citi for 2 1/2 hours and was transferred to 7 different departments, all departments gave me conflicting information. One CSR said they were reissuing me a debit card and that I should be able to go back online in 5 minutes, because she removed the block ( which was a lie ). The next CSR said they blocked my account because I attempted to add my debit card to XXXX XXXX. The last CSR I spoke with said there was a hold on my account and that it was being handled " behind the scenes '' and that I should go to a bank branch to withdraw cash. When I went to the bank the branch m anager made me wait in the lobby while she called someone. She came back and said that she doe s n't have any info and that they will send me a letter in mail. All of money is at that bank. I'm unable to get my Unemployment payment out and pay my bills, I've been out of work since COVID19. No employee at the bank has told me anything about when I could access my funds only that a letter would be sent out in 15 business days. I forgot to mention that everyone I spoke to over the phone wa s a " manager ''. I'm unclear as to why a bank can keep and money and not tell me why??
Product: Credit card

Sam 's store opened a credit card without my authorization just because I applied for store membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I was dismayed to discover inaccurate accounts on my credit report, and I'm at a loss as to why theyre there. I regularly check my credit report, but today I found unexpected errors. I tried refreshing the page, hoping it was a browser issue, but the inaccuracies persisted. This has been incredibly frustrating, and XXXX asking for a detailed review of the documents I've provided so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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: Checking or savings account

On XXXX XXXX my employer at the time called XXXX made XXXX deposits into my B9 account. XXXX for XXXX dollars and XXXX dollars. On the same day I noticed several unauthorized transactions from that date onward from someone with a strange XXXX name that starts with a XXXX. Also on XXXX XXXX there was a transfer made from the same individual from a merchant name XXXX XXXX XXXX I filed a fraud online form to the B9 claims department but my claim was denied, the claims department said they denied it because the transactions were authorized by me!! The B9 claims department is wrong because the name on those unauthorized transactions isn't my name and number isn't from my number. Also it makes no sense that I would use another name that's not my own to make these unauthorized transactions??!! I would just use my own name. Obviously this individual hacked into my B9 account and gained access into my B9 account and used my phone number and made these unauthorized transactions.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I used the banking service XXXX to purchase {$470.00} worth of products from another individual. I determined the purchase to be fraudulent following several attempts to collect the product, one attempt being to request the product again as a different person. When the individual connected with me as a different person and tried to sell the product to me, I knew that I'd been scammed. I immediately contacted my bank - Wells Fargo, to stop the purchase or dispute the transaction. After being bounced around by two local branch bankers and three times through the customer service line, I was told that the  transfer had already taken place, and there was nothing at all that they could do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

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 This lack of accountability and transparency is scams.unacceptable and raises serious concerns about consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to XXXX, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to XXXX and Equifax, which violates Section 623 ( a ) ( XXXX ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to XXXX, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

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

On XX/XX/XXXX my credit report shows 1 unauthorized credit inquiry from Equifax mortgage company. Inquiry was provided in written letter to credit bureau along with proper identification and Identity theft report, as requested. Since then I have made over three attempts to contact Equifax to remove inquiry from file, however, they have not done so. They have misplaced documents as well as not complied with the laws. According to the law by obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Please have inquiries removed from my credit file immediately, as it is in fact, an unauthorized and fraudulent inquiry. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally these unverified and unauthorized accounts MUST be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy only reporting on TransUnion. This should not be on my report. I spoke to a supervisor regarding this and she sent me to a website claiming XXXX is how they verified the bankruptcy belonged to me. My XXXX has been frozen for over 2 years due to severe identity theft I have been through. The bankruptcy is not on my XXXX. So now I have several problems. First, a falsely reported bankruptcy ONLY on my TransUnion report. Second, I was lied to by a supervisor, working at TransUnion. Third, I am the only one being harmed by this. I have excellent credit and this is keeping me from qualifying for a home and other things I deserve. TransUnion is falsely furnishing data on my report and LYING to me.
Product: Debt collection

Company called has added a note on my credit report and calls more than 3 times. 
They say they are doing this on behalf of a leasing office which claims I owe them money whereas they actually did n't pay for the damage my property suffered because of the lack of maintenance their contract has to provide. My loss was for {$3100.00}, they claim I owe them over {$2100.00}. They actually have a debt with me as they also kept my deposit of {$400.00} which accrues everything up to almost {$3500.00} without considering fees and interest.
Product: Credit card or prepaid card

Capitol one has committed fraud by allowing {$450.00} I spoke XXXX ID XXXX in the Fraud and Disputes department and they still show the charge on our. I requested to open fraud case to be open XX/XX/23 at XXXX CST and she refused. Please assist us this matter. She unable and unwill to transfer to a higher level supervisor or teammate, I have provided documents showing I don't own the money.
Product: Debt collection

A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I filed complaint number XXXX regarding the creditor filing with 2 collection agencies at the same time. Attached is the original complaint with attachments, the response from the debt collector and my feedback in XXXX of XXXX. 

As of XX/XX/XXXX NOTHING has been resolved.-my credit report is still showing this debt being reported to 2 agencies at the same time. Please see the information in the " my feedback '' section of complaint XXXX for the detail on this ( copy attached along with the updated reports from XX/XX/XXXX ). This is completely illegal and fraudulent and Wakefield is doing nothing to resove this matter.
Product: Credit reporting or other personal consumer reports

Fraudulent credit card opened in another state under my name. Card opened at " XXXXXXXX XXXX  '' XXXX # XXXX is still bening used by fraudulent individual. Bank submitted balance to collection agency " XXXX XXXX XXXX '' which also may be fraud. They are pressuring me to pay this fraudulent balance. The bank and this collection agency may be in collusion to defraud consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I just had my first babyboy almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Prior CFPB complaint related to this complaint here today is ( XXXX ) I have previously sent out a complaint through the XXXX XXXX to rectify my information on my credit report not reporting a 100 % accurately. And my rights being violated, i also made a complaint statement regarding the tax fraud That XXXX, XXXX and Experian XXXX your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Ontop of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Bank XXXX, These account are still On my credit report.. Remove them at once. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/2023
Product: Mortgage

This ad is completely false. The rates advertised don't exist. Bait and switch adverstising.
Product: Credit card or prepaid card

To rebuild my credit rating i aquired a secured credit card through citti bank. I made on time payments for years they never gave me an actual credit card ( that's insulting ) and in turn later found out they were charging monthly fees for a secured credit card! Borrowing from my own money. None of the money they say i owe is anything i used but all fees. They closed the account before i could. saying i owed this full balance of {$400.00} some dollars on a secured credit card of {$300.00}. I had to call them to tell them that it was secured credit card of XXXX to get the balance lowered. Check them out! They hate me treated me like garbage from the beginning and they truly dont deserve the money they say i do that is all fees. They are sending me a new bill each month with a higher balance when i have told them i dont owe them anything. I say that is harrassment. How are they increasing my balance when the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer protected laws are being violated by the stated company. I am not being given the courtesy to dispute inaccuracies on my credit report. My requests are intentionally being ignored. See attached documents
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI [ XXXX ] Last XXXX of XXXX : XXXX Credit Bureau : Equifax, XXXX, and XXXX RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by Equifax, XXXX, and XXXX in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( s ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX Unit XXXX DL number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting Naviant numerous times. Also contacted XXXX, XXXX etc. to get it removed. They contact Naviant and they take Naviants word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.
Product: Bank account or service

I 'm being charged an ISF penalty that does not make sense to me. 
The bank says larger entries are prioritized when payments are pending regardless if those smaller entries come previous ( 3 days ), even if those previous pending entries were being covered with sufficient funds. How so?
Product: Mortgage

Consumer Financial Protection Bureau ( " CFPB '' ) Complaint No : XXXX Ditech Financial LLC Account No. XXXX I submitted a complaint reference above because Ditech refused to post my payment. After almost two months, they did finally posted the payment, I immediately made the next months payment. Now, they decided to report on my credit that I was late, even in the letter and response they said they would n't. They are lying again!!!! Is n't this criminal act?
Product: Student loan

I need help with getting refunded for payments I made for my federal student loans during Covid Forbearance. I am a XXXX XXXX XXXX who qualifies for PSLF. I was misinformed by XXXX abou the forebearance for borrowers who were seeking PSLF, so I continued to make payments during the Covid Forbearance XXXX XXXX XXXX XXXX  totaling {$10000.00} ). Prior to my loans were being moved from XXXX to Mohela in XX/XX/2022, I contacted both loan servicers and requested to be refunded for the payments made during the Covid forbearance since this time would be counted as qualifying payments for PSLF. I was informed by both XXXX and Mohela that I would be refunded for my payments because my request was made prior to consolidating my federal loans. Now Mohela is telling me that because I consolidated my loans I am no longer entitled to be refunded, even though the request was made to both XXXX and Mohela prior to consolidation. I am now requesting with this matter because Mohela is know for giving inaccurate information adn making errors with accounts and refunds.
Product: Credit card

My account was initially set up as a central billing account which i did not want. I requested to have this removed which they did. They did not inform me that in removing the central billing account, all the rewards would be lost. In addition, I had no way of using the rewards since I earned majority of them during the account switch.
Product: Money transfer, virtual currency, or money service

In XXXX of this year, our team worked on the purchase of XXXX chips from the USA. 
We found a good offer for the products we are interested in, and so we contacted XXXX XXXX XXXX, who represents XXXX XXXX. 

After discussing all the details and agreeing on the terms of work, we concluded a standard contract and received from XXXX XXXX XXXX an invoice in the amount of XXXX US dollars with bank details- XXXX XXXX XXXX, PNC BANK, N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, United States Unfortunately, the transaction turned out to be fraudulent, and the ordered goods did not exist. 

After XXXX XXXX XXXX confirmed the cancellation of the transaction and promised to return the funds, no refund was made, the documents confirming the transfer of money were not attached, the recipient bank did not help us in this matter. The recipient bank was PNC BANK, N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, United States