23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing an official complaint with the 3 major reporting companies, " Transunion, XXXX, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX  # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered a certificate of indebtedness which means it's considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. Experian Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. Experian Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also Experian Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.
Product: Credit reporting 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 XXXX XXXX Account Number : XXXX 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  XXXX Bankruptcy 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: Checking or savings account

On XX/XX/2022, my client, a Washington, D.C.-based small trade association , was victimized by an unauthorized electronic funds transfer ( " EFT '' ) of {$49000.00} from its Citibank checking account to an unknown Chinese  beneficiary : " XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fraudulent access to a Citibank customer account falls within the definition of an unauthorized EFT under Regulation E, as the person or persons who initiated the unauthorized EFT had either stolen or hacked the access credentials from the accountholder. Moreover, Citibank had set up the checking account without even requiring or offering to set up routine multifactor or multiple approval protections to prevent a hacked or spoofed wire transfer. So no customer notification or transaction confirmation of the {$49000.00} wire was even sent by Citibank to the accountholder. Nor was any fraud protection monitoring in place at the time of the wire transfer despite all the red flags of an unusually large amount being sent to an obscure Chinese beneficiary. As a consequence, the accountholder was completely unaware of the wire transfer until reviewing its account statement the following month. 

On XX/XX/2022, Citibank became aware of fraudulent charges involving the accountholder 's debit card, and took action to freeze and cancel the debit card. Citibank also credited the debit card charges. Thus, if the debit card fraud is related to the unauthorized EFT on XX/XX/2022, Citibank should consistently credit the loss associated with the unauthorized EFT. Despite this fraudulent debit card activity, Citibank still took no action to inform its customer of the unauthorized EFT on XX/XX/2022, so that prompt actions could be taken to address it. 

On XX/XX/2022, the accountholder first discovered the XX/XX/2022 unauthorized EFT during a routine review of its account statement. It immediately reported the loss to its Citibank XXXX, MD XXXX. On XX/XX/2022, the accountholder at Citibank 's request executed an " Affidavit of Unauthorized Online Wire Transfer '' ( see attached document ). Citibank claims that on XX/XX/2022 that it attempted a wire recall of the XX/XX/2022 unauthorized EFT but it was unsuccessful given the 6 weeks that had elapsed since the transaction. 

On XX/XX/2022, the accountholder submitted a report ( # XXXX ) to the XXXX XXXX XXXX XXXX Police Department, including two wire payment summaries and a chronology. 

On XX/XX/2022, counsel for the accountholder submitted the enclosed demand letter to Citibank requesting that full reimbursement for the unauthorized EFT be made by Citibank. Citibank denied the fraud claim on XX/XX/2022 by letter stating only that its decision was based on " Our review, which determined the disputed transaction ( s ) was not fraudulent. '' Citibank opened a fraud claim appeal thereafter which was denied by a XX/XX/2022 letter ( belatedly received on XX/XX/2022 ), that stated : " No new information was received or discovered that would change the denial decision. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.
Product: Credit card

Dear CFPB, I received my first Credit Card on XX/XX/XXXX and use them all those years, but past 7 months have issue with Citi Bank Credit Card, Dispute which I never experience in my life, right in USA can one large bank do to their customer. I went to Dr in MD and the cost of procedures was {$16.00}. and I did use XXXX of my Credit Cards for payments the first proceeders the Dr. did was was extremely awful I went through many medicalI waited for 2 weeks and it was very bad I contacted Medical Bored and report and I did send them the pictures before and after they did ask me how I paid and I told them they said Dispute all of your CC we need to investigate. Then I went to XXXX XXXX Dr. and they gave me a letter indicated I was not candidate for XXXX 100 %. XXXX of my credit cards they accepted my Dispute and they send me back my {$4000.00} each one, which I already paid for it. The Citi Credit cade since XX/XX/XXXX they start asking me documents and I did send it to them they lies after lies unbelievable and they keep saying we are following XXXX, I did contact XXXX they said Citi Bank lie to you is not from us we can send you an e-mail and they did. I told and send them from my other CC Dispute and they did not care. Finally after 90 days they send me their decision which was they denied my request because I did fully paid for charges. When I read I go crazy how this is possible from the beginning they knew I paid my bills. Why they ask me for all those documents and my times. I contacted Corporate Office and Executive Representative contacted me and all the LIES stared and keep saying we open an investigations but it was lie. I have almost 9 names from Executive Office they talk to me all called made by me and lie after lie and they all said I will call you tomorrow and I never received any call from them, I left 100 's of messages for them they never call me back, none. If someone listen to all the tape I did talk to the this large bank, they call it Citibank Executive Office they can not believe those uneducated, very impolite, nonsense, irresponsible, lier, are working for this large bake in USA and those people are employee in Citibank Executive Office, HOW in the world I should have this kind of experience. For many years I have business accounts, CC, all the difference accounts and I never ever not even close situations like this and I keep asking my self WHY. All this time they manipulate me, lies to me. I have all I say official documents with me to prof it what I said are 100 % correct. I hope one day one of Government Agencies or CFPB can defend me and make the Citi Card pay me back my {$4000.00} which I paid to them and that Dr. which the damage he did on me unfortunately permanent and he does not deserve to make money like this, the State of MD are investigating on this and it takes time and I hope he lose or suspended his license and does not happen to others. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed an inaccurate account with XXXX XXXX that appeared on my XXXX credit report. I have never had an account with XXXX XXXX. In XX/XX/XXXX, I received notification from TransUnion that the incorrect account had been deleted. In XX/XX/XXXX, the incorrect account had been reinserted on my credit report by TransUnion without notification. 
This account should be deleted for two reasons. 
1. This account is incorrect. It does not belong to me. I have never applied for credit with this company. 
2. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify the consumer of the reinsertion within five ( 5 ) business days. I did not receive any such notification.
Product: Debt collection

I have a charge off account with this company that is reporting on my credit file there company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Vehicle loan or lease

Truist bank has been contacted by me multiple times about automatic payment. They have told me each time they will send me the paperwork to enroll. I have never received it. There is no way to enroll online. The website is cumbersome to use and makes it difficult to make payments without opening a separate checking account with them. They are anti-consumer and have charged fees resultant from their difficult website. They are not concerned with customers at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I recieved a notice for adverse action from home chef about something in my background report. I asked them for a copy of the report and a summary of rights and still have not received any of the report and information
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax numerous times about unauthorized inquires on my credit file, both dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. When i have been told so many stories, such as a dispute will be in process, or hard inquires can not be disputed, or I need to file a etc report when In fact, the same exact inquires showed on my XXXX file and & XXXX account and was removed. I requested for validation as to whom gave permissible purpose to even pull my credit for such inquires, no response from the creditor or Equifax. It is my understanding that inquires are factual data & stays on your report for two years however and can not be factual if it's fraudulent and unauthorized. I need written confirmation where this is factual and these inquires were authorized. I have called numerous times to Equifax and sent out several letters. My last conversation was with a rep on XXXXn at Approximately XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported XX/XX/XXXX {$48000.00} Reported balance Highest balance {$57000.00} You've paid off 15 % of this loan OVERVIEW Highest balance {$57000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 74 months ( 6 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Individual Remarks Repossession Times XX/XX/XXXX XXXX late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See XXXX mistake XXXX 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with TransUnion. It XXXX
Product: Checking or savings account

After checking my credit report I realized that 5th 3rd 's Identity Alert program has been inaccurately reporting my credit score. After speaking to several branch  managers at different locations and reps on the phone they informed me that the reporting is never meant to be precise and refused to refund all. The branch managers tell me to call XXXX and the phone tells me to speak to a branch manager. I have also had issues with unauthorized charges that resulted in overdraft fees. I was promised at least one reversal and assistance disputing the other charges and when I follow up I get conflicting information. I have not been receiving refunds for atm fees. I am with a program that refunds atm fees 6 times per month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit card

This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX, NY XXXX XXXX reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX New York XXXX Social Security Number XXXX XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute.
Product: Money transfer, virtual currency, or money service

I am writing to you to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting, and sufficient issues with the platform. Despite using Zelle, numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that zelle has not only neglected to protect consumers and has also allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : EXPERIAN XXXX XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Product: Credit card

On XX/XX/XXXX, I made a purchase for a treatment from XXXX using my Citibank credit card, which at the time ended in XXXX ( I have since replaced the card, and the new number ends in XXXX ). The product turned out to be significantly unsatisfactory and did not live up to its advertisements. 

I reached out to XXXX regarding this issue, and on XX/XX/XXXX, they agreed to issue a full refund, as confirmed by an email attachment. 

Unfortunately, XXXX filed for bankruptcy shortly thereafter, leaving me unable to contact them regarding the refund. 

In XX/XX/XXXX, I approached Citibank to dispute the charge and submitted all required documentation. Initially, a Citibank representative informed me that a message had been sent to the merchant, and if there was no response within 45 days, I would automatically receive a full refund via a chargeback. However, three months have passed, and I have not yet received the refund. Despite multiple follow-ups with Citibank, I've been given different reasons for the delay each time, further postponing the resolution. 

I request that Citibank issue the chargeback immediately and settle the dispute. 

The case number for dispute i have with Citi is XXXX.