23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Let me start by saying, it is truly unbelievable that I am even having to do this after spending 4 hours talking with various managers in Citi to resolve what should be a super quick fix. I have been a Citi customer for close to 40 years, and a XXXX Citi XXXX holder since XXXX. I have had my account set to pay balance in full, which I did for every year up until XXXX. I have a wife and XXXX littleXX/XX/XXXX ( XXXXXX/XX/XXXX) and the real estate market volume was down 50 % in XXXX and XXXX. It turns out I had returned payments on XX/XX/XXXX for {$12000.00} ( subsequently paid {$10000.00} on XX/XX/XXXX ), XX/XX/XXXX for {$16000.00} ( subsequently paid {$14000.00} on XX/XX/XXXX ), and {$23000.00} on XX/XX/XXXX ( when I caught wind of a returned payment, I immediately paid XXXX on XX/XX/XXXX to meet more than the minimum balance due. I paid off the entire balance on XX/XX/XXXX for {>= $1,000,000}. At no point in time did anyone from Citi reach out verbally or written to let me know my account was in danger of being closed. Why, after being a customer for almost 40 years, have an XXXX XXXX XXXX, grosses around XXXX ( this past 2 years were slightly lower with real estate volume off 50 % ), is a CPA and CFP, has XXXX XXXX in equity in my primary residence, wouldnt anyone from Citi reach out? Instead, they just decide to close 2 of my Citi Credit Cards without warning. To compound the problem, they are saying they will not give me the {$2300.00} in XXXX Reward Cash that I rightfully earned and accrued. They said my account closed on XX/XX/XXXX and the certificates for the awards goes out XX/XX/XXXX..not that it should even matter, but to do something like this 2 weeks before I am due the reward is just not cool. I have tried to speak with multiple managers at Citi and while they all seem to side with me, all of them claim there is NOTHING they can do about it and that Id just need to get my card reinstated. We tried that, to no avail, despite having a credit limit of {$47000.00} and spending probably XXXX throughout the year ( huge fees/money for Citi ) XXXX Needless to say, I am beyond flabbergasted that I have had to spend so much time and energy trying to make this right. I earned and accrued the cash rewards, so PLEASE pay me what is rightfully mine. If, for some reason, you have to reinstate my account, just do it and set the credit limit to a low number. NOBODY IN THEIR RIGHT MIND WOULD SAY I AM A CREDIT RISK, nor would anyone think it is fair for the bank to unilaterally close my account right before I am owed {$2300.00}. PLEASE MAKE THIS RIGHT!
Product: Mortgage

Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX This short sale was started a YEAR ago with Freedom Mortgage. Freedom Mortgage has been defrauding their investor for the last year by continually coming up with excuses as to why their file is not complete. The latest round of delaying tactics is to claim they dont have documents that we not only sent them a year ago, but have sent them multiple times, repeatedly, ever since. Even after we confirm they have one document they will ask for something different on the next phone call, claiming they dont have it even thought it, too, has been sent multiple times. This time they asked for the purchase contract, which we had just sent them ( again ) on  XX/XX/18. 


*********THIS IS NOT ACCEPTABLE*********** Freedom Mortgage is defrauding their investor by delaying the decision on a short sale. 


We have had issues on EVERY SINGLE FILE WE HAVE WITH FREEDOM MORTGAGE AND THIS NEEDS TO STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I XXXX money to my sister on XX/XX/2021 through my Capital One Bank account and it was sent to someone else. Capital One denied the claim saying that they spoke to XXXX XXXX and that XXXX XXXX verified that the phone number was active when the transaction took place and placed in this persons account. Two people can not have the same phone number and the number I sent the money to was my sister 's phone number. I called Capital One back and the rep said it has been escalated and she told me to call XXXX XXXX. I informed her I already did that and that XXXX XXXX is not going to provide any information to me. I also called XXXX when this whole thing started and they directed me back to my bank and said there's nothing they can do.
Product: Debt collection

MCM ( Midland Credit Management ) gave my personal information to someone else without using any type of verification rules and regulations of the CFPB or the FDCA. This information was leaked on XX/XX/2022. Given total amount of unsecured credit card debt of {$1700.00} to be collected as well as the last payment of XXXX dollars including the balance at that time of {$1600.00}. This information was given without my consent. The company also informed this person that if the Credit Card Debt was not paid in full or arrangements made they would move forward taking legal actions against me for the full amount owed. My family is now getting harassing phone calls from this company. My grandmother was called.
Product: Credit reporting or other personal consumer reports

This is the multiple times I've mentioned being a victim of identity theft. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GAXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$4800.00} ; XXXX  XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I had cash app for about a year. In XXXX I believe it was I purchased a new cell phone from XXXX store and data and apps were transferred over. When attempting to log back into my cash-app account it said my new device was not able to do so and to contact support. I did so through the app and email. I was told to create a new account in order to gain access to the old one. I did so and provided new account information to rep via email. 

After a string of copy and paste emails from different reps I got an answer of we cant grant access to the old account in order to protect your new account. I didn't need or want a new account to begin with. After 2 months of the same email requesting the same info to prove my identity and that the account indeed belongs to me I was simply told there is nothing they can do and there is no further information they can provide. I asked numerous times what they needed and it was still the same response. Nothing can be done. 

I have money invested in stocks through the app on the old account and I even still get emails updating me about earned dividends and investor voting. Yet they still won't provide access or further info as to where my money goes and how to retrieve documents needed for tax filings. I made a complaint to XXXX  and Cash App responded read terms. Again nowhere does it state they can just keep my funds. I just want to be able to cash-out my stocks and be done with them all together. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby present the findings of my investigation. Upon careful scrutiny, I have observed that certain accounts have obtained verification. Nonetheless, I would like to raise a few inquiries with regards to the methodology employed in conducting this investigation. Were my neighbors, acquaintances, and relatives consulted during this process? If indeed such interactions occurred, kindly furnish me with the identity of the individual responsible for overseeing said investigation. Additionally, I must bring to your attention the observation I made whilst perusing the Fair Credit Reporting Act ( FCRA ). It has come to my attention that you have violated the stipulations outlined within the following sections : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, being a consumer and an individual endowed with a sound education, am cognizant of the complete gamut of rights bestowed upon me and safeguarded by the United States Congress within the purview of the Fair Credit Reporting Act ( FCRA ). In light of this knowledge, I assert that the enumerated list of accounts presented below has violated my constitutionally safeguarded consumer rights pertaining to privacy and confidentiality, as enshrined within 15 USC 1681. 


1. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Transunion and XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. TransUnion Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. TransUnion Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

- Chase doesn't provide my credit card statements for the period from XXXX, XXXX to XXXX, XXXX. 

- I started to request for the above-mentioned statements on XX/XX/XXXX. Since then, there were numerous phone calls with Chase credit card department and three lengthy discussions with a manager of the branch near me. Yet, Chase failed to provide those statements. 

The case number is XXXX for Chase internal inquiry. According to the manager, all the details should have been documented within the case file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Discover has inaccurately and illegally reported false information and a fake account to my credit report on XX/XX/2020. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used Discover before in my life.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent items are being reported in error on my credit report. I submitted a police report listing the fraudulent items and requested that they be blocked pursuant to the Fair Credit Reporting Act Section 605B.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has refused to send me validation of this alledged debt they are reporting on my credit reports. I sent them certified mail on XX/XX/2017 with no response to date. The tracking number is XXXX. It has been over 30 days and they need to remove this immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Victim of Non Authorized Inquiries on my credit Amrent XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX XX/XX/2018 XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XX/XX/2018 XXXX   XXXX
Product: Debt collection

I have been getting repeated calls and messages from this company. I have explained my situation with my income/bills after loosing my home in the flood, and they still keep calling. Also, I have received calls before XXXX on a Saturday.
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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Lexington upfront fee and they took two more monthly payments. They said they were disputing negative items on my credit bureau 's All three. I never got a copy of the letters nor did any of the credit bureaus send any correspondence from the letters Lexington supposedly sent. 

I called to get refund many times and never got a response or a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my rights
Product: Credit reporting or other personal consumer reports

In XX/XX/2020, my son requested to be released from his XXXX lease, as he was leaving the XXXX due to XXXX. He was informed that as long as he found a replacement tenant, he would be released from his lease. He found a replacement tenant, yet the apartment complex still pursued me ( I am the co-signor on the lease, as he was XXXX at the time ) for the full payment of the lease. I have contacted them, I hired a law firm to contact them, yet they insisted on maintaining a claim against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who signed the lease with XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club : daily harassing phone calls, multiple times a day, everyday up to 5 times a day from XXXX XXXX  till XXXX XXXX, using the following numbers ... 

XXXX, XXXX, XXXX, XXXX, XXXX I have never done business with them, or even ever called them. I am on the state and federal do not call list.
Product: Debt collection

I noticed an entry on my credit report dated XX/XX/XXXX from a company called Paramount Recovery Systems. The debt original creditor was XXXX XXXX XXXX XXXX. I called Paramount to ask what this was for and they said for medical services received in XX/XX/XXXX. I asked when and to what address they sent the first notification of the debt to me, and they had the wrong address ( which was unknown to me how they obtained the address ). So I advised them they are in violation of FCRA law because they were aware they had the wrong address especially due to the returned mail, yet, they placed the entry on my XXXX credit report anyway. I contacted their client XXXX XXXX XXXX XXXX and they admitted to sending the account to them with the wrong address. They claimed they had nothing to do with the credit reporting, and I would need to speak with Paramount with regard to the debt. So, the rep I spoke to at Paramount said she would begin a research request and said I would be transferred to a supervisor. I am not sure if that actually happened because she just transferred me to a general mail box. I did leave a message however. I then used their contact us link on XX/XX/XXXX ( same day as the voice mail I left ) and on XX/XX/XXXX. I explained just as i have here that it is illegal what theyve done but they refused to admit fault or correct the issue. I also looked their company up on the XXXX and they appear to do this often to consumers. To date Ive not gotten an email or phone call in regards to the matter.
Product: Debt collection

I dont owe anything to MAJR Financial Corp, they are still reporting negative items on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the continued presence of a charge off, account included in bankruptcy, and public record entries on my credit report, despite numerous attempts to have them removed. Regrettably, I must inform you that this is now several attempt to address and rectify this issue, yet the problem persists. 

I demand immediate and decisive action to thoroughly investigate these inaccuracies and ensure their complete removal from my credit report. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future and to restore my trust in your company 's integrity. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My confidence in your company 's ability to uphold the highest standards of accuracy and accountability depends on your prompt and effective resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against XXXX, Experian, XXXX, and XXXX for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, Experian, XXXX, and XXXX to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA