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

Whom Im concern, The purpose of this letter is to defend and validate my rights as a consumer Ive been a customer with Citi Bank for the longest but recently they have been behaving extremely unprofessional charging consumers high interest rates in closing accounts without no fear or any consideration of a hardship I informed this company my currency situation of being an unemployed and my importance on keep my account current and my credit in good standing this week this company Decided to close my account by adding that I wasnt making the payments But Id be making the minimum payment and tried every effort to continue making payments. 

Citibank ended closing the account not letting me make another payment or chance to react and go ahead and close my account. I been making my payments every month but the last payment did not go through Not giving me a chance to make another payment. The problem here is that this is going to greatly affect my credit score or my ability to find housing or refi my auto loan and many other things that I can do with my credit. Citibank obviously jeopardizes peoples credit their up to make their own profit not caring about consumers situations or hardships not offering absolutely anything any help offer the been operating deceptive practices like bait and switch strategy from them offering false advertising with great credit card deals and another perk like miles discounts, etc The reality is completely different there high-interest rates are above any other credit card that I consider a predatory lending company and theyre up to their own profit not to help people at all with hardships like unemployment XXXX in another kind of hardship. 

I like to dispute the matter of how my account is going to reflect on my credit they have the power to remove that and I will continue making my payment but I want to report that this is really an ethical what they do it can be legal but it really does not help the customers at all Thank you.
Product: Mortgage

Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX these accounts 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX or credit companies
Product: Credit reporting, credit repair services, or other personal consumer reports

The original debit was with XXXX XXXX then sold the debit to National Credit Adjusters. On XX/XX/21 National Credit Adjusters agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX  and XXXX  arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Product: Checking or savings account

Recently I realized that I was no longer receiving any W.Fargo mail. Upon my investigation- my account address had been changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is the address that is always used by the identity thieves. My current address which should be the only address used at each department with W.Fargo is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX It bothers me greatly that it seems as if these identity thieves can get anything done with W.Fargo they wish to. W.Fargo is a " gold mine '' for identity thieves. W. Fargo is an easy target for identity thieves, with little to no chance of prosecution Yet the W.Fargo customer reaps the consequences of these careless mistakes. Loss of money, loss of hundreds and hundreds of hours of time- and this is just a start. But at the same time, as I am actually the W.Fargo customer, I get the door slammed in my face, everything I try to get help from W.Fargo- in correcting the careless mistake made by W.Fargo!!!!
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : grow credit ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/year> ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, CA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed through Equifax that my personal information was part of the hack that accorded in XX/XX/2017. It seems that I was part of those who were most affected by having my name, address, SSN, and Credit Card information hacked and totally compromised. So far I have n't been made aware of any identity theft against me, but I appear to be most at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX  credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.
Product: Money transfer, virtual currency, or money service

Debit card transfer in error as fraudulent activity, requested payment to be stopped. Reported to Bank of America on XXXX hours after transaction. Call to bank next day, XXXX, for status update and found there was no claim filed on my behalf. Claim then filed on XXXX. I feel Bank of America should have reacted much more quickly to process claim on night of call instead of taking action when I called the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX aka XXXX Credit Card is all my credit file and I never open a credit file or credit card what's expected institutions is identity theft our way of breach of information leaks.. 

This matter needs to be deleted from my credit file attorney general 's office will get up complaint file as well. Account Number reflecting on file XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX VERM XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Given these violations, I demand the immediate removal of all these collection accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I am publishing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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

I've made multiple attempts to resolve the issue of false, erroneous, and misleading data on my consumer report, but the problem persists. These inaccuracies have had a profound negative impact on my life, causing substantial XXXX  and stress. I must emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/22 XXXX XXXX XXXX was NOT authorized to take a credit/debit transaction in the amount of {$200.00}. However they did take out this money from my bank account. 

They are refusing to refund me the money. They are refusing to answer the phone. They are refusing to communicate with me personally. 

They keep replying with automatic replies. 

I am unable to reach a human at XXXX XXXX XXXX. 

I am working with my lawyer to sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.
Product: Bank account or service

Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XX/XX/2013, should be removed. Scottrade is in possession of a police report that supports this request.
Product: Credit reporting or other personal consumer reports

XXXX, acct # XXXX, {$780.00}. 
XXXX XXXX XXXX {$1200.00} XXXX {$300.00}. 
XXXX {$2000.00}. 
XXXX {$310.00} XXXX XXXX {$4600.00} There is information reporting I'm not familiar with, these accounts do not belong to me
Product: Credit reporting or other personal consumer reports

Extreme failure on TransUnion Organization to safeguard fraud victims. TransUnion inability to acknowledge teamwork in overseeing delicate matters at hand is truly and undeniable a catastrophic failure in there unorganized structure in there workforce to acknowledge of laws governing credit reporting and lack of empathy for fraud victims. Case in point, a Federal Trade Commission Report was submitted to TransUnion, detailing all fraudulent accounts. TransUnion failed miserably, to simply comprehend such a clear lawful order. XXXX and XXXX understood the laws governing credit reporting and cleared all fraudulent accounts accompanied with Federal Trade Commission Report, detailing identity theft.
Product: Checking or savings account

I lost my bank card sometime apparently in XXXX. However I didnt realize my bank card was missing until around XX/XX/XXXX when my joint account holder my wife mentioned that there were charges on out account from a restaurant located in XXXX Wi XXXX I immediately called the bank and told them the issue and told them to shut down my card and to refund those transactions. There are at least three transactions from a restaurant called XXXX that I did not make. I spoke with a lady at prosperity and she assured me that she noted everything and would give it to the fraud department. 

I just received a letter from prosperity bank saying that we agree it was a bank error however I would not receive my funds back because it has been past two briskness days since I learned my card was missing. This is a lie, I called the bank immediately when my wife and I noticed that my card was missing. 

When I received the letter I called the bank and was told by another person that I want receive my money back because I didnt use my card since XXXX. Im demanding my funds back asap. Prosperity bank is breaking banking regulations and being very dishonest with there clients.
Product: Credit reporting or other personal consumer reports

I am writing to dispute for the XXXX time 4 unauthorized Inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Unspecified. 
Disputed inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX, Unspecified. 
Disputed inquiry XXXX : XXXX XXXX, XX/XX/XXXX, Unspecified. 


Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request
Product: Checking or savings account

I received an SBA loan in the amount of {$140000.00} on XX/XX/XXXX of XXXX. It was deposited into my Citibank account # XXXX. After a week or so, Citibank froze my account. I went to the branch where I was informed that there was a fraud investigation pending. I verified myself as the account holder and was told to check back in a week. I went back to the branch and was told they would be closing my account and sending me a check for the remaining balance within 7 days. After 10 days I went back to the branch and they told me that they were sending the funds back to the SBA. They refused to provide me with any paperwork reflecting what they were going to do with the funds. Last month, XXXX of XXXX I was able to log on to my SBA loan portal and noticed that my balance was still reflecting the entire amount of {$140000.00}. I called the SBA and told them what happened. They told me they have not received any funds back from Citibank for my account. I called the bank and have been getting the runaround for a month. Sometimes they just say they can't help me because my account is under investigation and they just hang up on me. Other times they tell me they are going to get more info and to wait for an email or a call that never comes. I have called over 20 times and am still not able to find what the next step is to get them to either release the funds to me or send it back to the SBA. I am now paying interest for money that Citibank is holding on to. Their customer service has no clue how to handle my situation, they keep transferring me to different departments and the branch says they are not able to do anything for me. So I can not got to the branch or call Citibank to get help. I don't know what other option there is for me at this point. They should not be able to do this to their customers. They are holding onto funds that do not belong to them. I would like for them to either release the funds to me or send it back to the SBA so my interest payment reflect the amount I was actually able to use.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I lived at a XXXX  living apartment complex, and I moved out on XXXX of this year. I had thought that this matter was over. They took my security deposit towards the rent and what my agency paid them as well. I cant afford to pay this and this is messing up my credit score. The company ( National Credit system
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX Tied up XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}