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

Citi bank closed our account and is saying i need to wait 30-60 days before getting my funds back. this is all the money i have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I received a call from  XXXX  to call her that is when  XXXX  low with a nasty rude attitude and say to my son with the same nasty attitude, then  XXXX  low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me,  XXXX  low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude   XXXX   over, the phone so i cursed him out, then i call back to get the last name, when  XXXX  said to me you are dealing with a lot of crazy peoples around here   XXXX   reuse to give  XXXX  last name, then  XXXX  reuse give me  XXXX   XXXX  to see when he will be back to work,  XXXX  with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.
Product: Vehicle loan or lease

My XXXX  XXXX XXXX was totaled and I had gap coverage through the dealership. When it came time to get the paper from progressive to ensure that gap paid the remaining balance that progress didnt cover I couldnt get the information. I called the claim adjuster who was assigned to me as well as emailed him and I got no response. I went to the office and received no help. Now the balance is in collections on my credit with interest.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX credit error all should be deleted. 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 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 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 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 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 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 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 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 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 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 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 XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$750.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$15000.00} Needs Attention I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719, 1 may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Please verify the debt as required by the Fair Debt Collection Practices Act. Engelhardt V. Gravens ( Mo ) 281 SW 715, 719, 1 may presume that no proof of the alleged debt,
Product: Credit card

I have attempted to close am American Express account at least twice. Each time I was directed to an account retention XXXX who attempted to keep my business. Each time the representative refused to close the account and kept trying to keep my business. 
After the last representative refused to listen to my request, I lost my temper with the last representative who then hung up. 

I WANT THIS ACCOUNT CLOSED. I DO NOT FEEL THAT DEALING WITH A RETENTION XXXX WHO IS INCENTED NOT TO PAY ATTENTION TO MY REQUEST SHOULD NOT OCCUR. 

HOW DO I CLOSE THIS ACCOUNT?
Product: Credit card or prepaid card

My Paypal credit card has payment due but the card has been taken off the paypal portal. When I log in I see no indication of card, no details, nothing. As if I dont have any card. Upon calling the customer service they said card should be visible in 24 hrs but its is way past that and there is no progress. Company does not have anyone to resolve the issues. I can not even make the payments to my current statement and this will give me first missed payment in my credit history in last 4 years! 

This " Paypal '' is the most terrible and worst technology company I have seen in my experience as a human on earth. Please get me out of this trouble. No one in paypal could solve this.
Product: Debt collection

XXXXXXXX XXXX XXXX HIRED BY HSN SAYS I OWN XXXX DOLLARS ON A HSN CARD BECAUSE I HAD FLEX PAID AND I ONLY PAID FOR THE CARD CREDIT AND NOT FLEX PAY.I PAID THE DEBT. PAID THE CARD OFF AND AT NO TIME DURING THE PAYMENT SEETTLEMENT WAS I INFORMED THAT THE ACCOUNT CREDIT CARD HAS IS NOT PART OF FLEX PAY FOR PURCHASED. I PURCHASED ITEM WITH THE CARD THAT USE FLEX PAY. I GOT THE CARD SO I CAN USE FLEX PAY. SYNCB WAS THE BANK AT THE TIME AND UPON PAY.ENT OF DEBTi WAS TOLD THAT THE THE CREDIT BUREAUS WOUKD BE NOTIFIED OF THE ZERO BALANCE. 
2. HSN GOT PAID AND CLOSED MY ACCOUNT NOW THEY HIRE XXXX TO COLLECT ON A DEBT THAT WAS PAID. 
3XXXX TELLIBF ME I DIDNT PAID THE FKEX PART ON THE CARD. 
4. I GOT A SETTLEMENT AND WAS NEVER TOLD ANYTHING ABOUT THE HSN CARD NOT BEING PART OF FLEXPAY. THATS WHY I GOT THE CARD TO USE FLEX PAY. 
5. I HAVE A ZERO BAN E THAT HSN REPORTED .NOW HSN WANTS TO COLLE CT ON A CLOSED ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from Equifax, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with Equifax as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Product: Credit card or prepaid card

I have a Chase Freedom credit card, and when I go to log in online it now asks me to accept a Digital Services Agreement which is 125 pages long. I am not going to read through such a long agreement with Legalese which is obviously in favor of Chase Bank. Why can't they just include any changes that are being made to the original services agreement I signed when I opened the account? It is obvious they want people to just shrug their shoulders and sign the agreement without knowing what they are signing or the risks to their account or credit. Is their any recourse that customers have to amending or eliminating such an agreement?
Product: Debt collection

Tried contacting sarma collections on account XX/XX/2018 no account with that number matching my name or social security number. I have a derogatory mark on my XXXX   account and the information is not all the way displayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Equifax to delete this account because it was open by fraud they have yet to remove it this account has hurt my good name and my business.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

I would like to make a complaint regarding my dispute with Citibank. 

I have had their credit cards for 20 years without any issue and last year I also had a checking account with them with no issue but I closed it to go with a different bank for their better term. I never violated any terms, paid my cards always in full and on time. 

On XX/XX/XXXX, I opened a checking and savings account through my online access. They then debited XXXX from my other bank account for deposit to the new account. The next day, I received an email saying the accounts have been closed, I could not even access my online account. I called them several times and the rep could not see that there was money in the account and finally I talked to the executive response unit and I had to send her a screenshot of my other bank account to prove that they debited the money from me. Originally, they also said that they are going to mail that money via check to me within 31-60 days without any tracking information, now that I pressed for the fact that they're being totally unfair and irresponsible, they provided me with a letter saying that it will be mailed within 7-10 business days ( today is already the 17th days from they closed the account ) and may provide me with tracking number when they do. This is totally wrong because first of all, I know for sure that I did not violate any terms and they did not want to provide me with reason at all. To let someone opened an account where they need to do due diligence before approving then closing the accounts the next day, not being responsible with the money is a breach of warranty and duty. It has been stressful to say the least and now that I do not have access to online account, and for the fact that I have been transacting paperless for many years, how am I supposed to pay my credit cards bill with them. Their reps are very unprofessional, dealing with them is very difficult. I think the fact that Citi is trying so hard to lure consumers by offering bonus and high yields is the heart of this problem.

Thank you for your attention to the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX  XXXX charge off closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX inquired on XX/XX/2022 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 card

Dear CFPB Representative, I am filing a formal complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for their failure to properly resolve a legitimate transaction dispute ( Case # XXXX ) in violation of Regulation E and the Fair Credit Billing Act. 

**Key Details : ** 1. **Transaction : ** {$21.00} charge from temu.com on XX/XX/year> XXXX. **Dispute Case # : ** XXXX XXXX. **Issue : ** Goldman Sachs wrongfully denied my dispute claiming " the merchant previously issued a credit, '' despite no evidence of such credit being provided. 

**Chronology of Events : ** - I filed a dispute on [ Dispute Filing Date ] for unauthorized/non-received goods. 
- A temporary credit of {$21.00} was issued during the investigation. 
- On [ Decision Date ], Goldman Sachs closed the case without resolving the issue, stating the merchant had already issued a credit. No documentation supporting this claim was provided. 
- The temporary credit is now being reversed, forcing me to pay for a transaction I never authorized or received. 

**Formal Allegations : ** - Failure to conduct a proper investigation under 15 U.S.C. 1666 - Violation of Regulation Z by not providing written evidence supporting their decision - Unfair reversal of provisional credit without justification **Requested Resolution : ** 1. Permanent removal of the {$21.00} charge 2. Full reinstatement of the provisional credit 3. Correction of all credit reporting related to this matter 4. Detailed documentation proving the alleged merchant credit Attached : Transaction records, dispute correspondence, and case details. 

Sincerely, XXXX XXXX
Product: Debt collection

I was charge for {$1400.00} for some sort of medical bill from XXXX XXXX XXXX XXXX XXXX. I XXXX  this place. I have NEVER been there in my entire life. I also called the collection service, PARAMOUNT RECOVERY SYSTEMS/ ( XXXX ) XXXX several times and line rings busy. I also called XXXX XXXX XXXX XXXX XXXX and they had automated system to put me on hold forever. I did some investigation and found out over 100 people left reviews on XXXX to say the same things as me. I tried disputing this collection twice in past 2 months and XXXX  " verified '' this is my collection. I would like to know how they even verified when I couldn't even get to them? AND I was never been to the place before. Please help me report XXXX XXXX XXXX XXXX XXXX and I would like to dispute as soon as possible. I did not even have my SSN until end of XXXX This is affecting my credit very badly and would like quick solution. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XX/XX/XXXX not mine
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding XXXX handling disputes, particularly in light of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

There is a charge reported on my credit on XX/XX/2020 report of {$4600.00} from Tam/Spears DeWitt Hall. I was asked to leave this apartment and when I git the final charges they were a little over XXXX XXXX dollars. Now it seems that this amount has doubled,