23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had this credit card account with Citibank XXXX. On XX/XX/XXXX my son who is a signer on the account tried to make a purchase and the card was denied. I saw on my Citibank app that my account was closed. I called Citibank and they told me the account was closed by them and that they would not tell me why. They said they would send me a letter by mail in 7-10 days. I never received a letter. I never received notice the account would be closed either. I pay promptly and I have had the card since XXXX. 

I did start searching my email to see if I had any notice the account would be closed. I had no notice, but I did have an email from Citibank that a recent payment I sent was rejected. I had intended to pay a recent extra payment ( not regular payment ) from my Citibank checking account. Their app always defaults the pay from account to an external account that I have with XXXX. I did not set it up to default to that account. It should default to my checking so I have to manually change it every time. We had intermittent internet the day I set up the payment because we are XXXX XXXX XXXX and had high winds and fires. While I am sure I changed the default account, it may not have stuck due tot he internet issues. The payment ended up trying to pull from XXXX, not my checking and rejected. The notice was sent by email and went to my spam. I do not know if this is the reason why they closed my account. They did not try to contact me any other way. I have always paid timely and had that account over 30 years. It was clearly out of character and they should have contacted me some other way not closed my account. 

I called back as soon as I realized the error, asked them to redraw the payment from my checking and explained what happened. I also asked them to reinstantiate my account. They denied and this time did send me an email indicating they denied my reinstatement. 

This has caused me a lot of issues with accounts that auto bill to that credit card and my kids who are away at college do not have the card to use for food, supplies and dr. Apts. My son was very sick at school and needed to see a doctor who was kind enough to take another credit card of ours by phone so he could be seen. All in all a terrible experience from a bank I have been a client of for over 30 years. They took my points as well and did not credit my account. 

I am attaching a screenshot of all notices from my credit card. Not one is after XX/XX/XXXX and related to this issue. I have not received a letter by mail either. 

I also attached the email I received on XX/XX/XXXX indicating that I needed to send a replacement payment due tot he XXXX  payment rejecting. Again, never saw this notice, received no phone call and they gave me less than 24 hours to resolve before closing my account.
Product: Credit reporting or other personal consumer reports

After reviewing my updated Equifax credit report, I am appalled at Equifaxs repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in compliance with federal law. 
As a XXXX XXXX and the head of my household, I face compounded challenges from systemic XXXX disparities within our financial systems. These fraudulent entries are preventing me from providing the quality of life my family deserves and achieving financial stability. It is unconscionable that despite the protections under the Equal Credit Opportunity Act and the Fair Credit Reporting Act ( FCRA ), Equifax has blatantly disregarded its obligations. 
Under 15 U.S. Code 1681c-2, the FCRA mandates that a consumer reporting agency must block fraudulent information within 4 business days. Im not asking for checking via e-Oscar but to follow the law under 15 U.S. Code 1681c-2.

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. Equifax must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. I also demand that Equifax conduct a manual investigation, as reliance on automated systems like e-Oscar is unacceptable and violates my rights. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit reporting company is not taking the 30 days for there investigation. I am being told the investigation is updated and verified without contacting the company. There are alerts placed on my credit profile letting the Credit reporting company aware old account is written off and should be remove, because the account was sold to a collection companies which they did not give a copy of the purchase agreement. There was a employer reporting on my file XXXX XXXX was asked to be remove and I was told it was verified when the company was not asked about them being listed. There more accounts on all three of profile being reported. Please I need your help in remove this account that I have be disputing
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

This account is hurting Under the Doctrine of ESTOPPEL V GRAVENS ( MO ) XXXX XXXX, XXXX, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS Please remove Immediatley XXXX XXXX  Open XX/XX/2024 Balance {$190.00}
Product: Money transfer, virtual currency, or money service

My granddaughter ( XXXX  ) downloaded a " free '' game ( heypets zro ) from XXXX XXXX  on XX/XX/2021. On XX/XX/2021 I was notified of a pending charge for {$210.00} on my checking account. I immediately notified XXXX  XXXX XXXX that this was not authorized and I didn't make this charge. They canceled my debit card & issued me a temporary refund and opened a claim. 

On XX/XX/XXXX I realized the pending charge was a subscription to heypets zro for the monthly fee of {$210.00}. I canceled the subscription and notified XXXX XXXX. 

On XX/XX/2021 I read an email from XXXX XXXX saying I didn't notify them within the 48hrs and my claim was denied. 

I emailed XXXX XXXX  back on the XXXX of XXXX saying I did notify them within the allotted time frame. I just didn't fill out the correct claim form. I also stated that as soon as I read the email saying I needed to fillout a different claim form I tried to do it immediately. It wouldn't allow me. I also got on XXXX XXXX chat to try and get it canceled with XXXX. He wasn't able to and had me escalate it. Sometime later My XXXX XXXX account showed it was refunded back to me. 

Fast forward to XXXX. My bank takes back their temporary credit saying I had a relationship with XXXX XXXX  so they denied the claim. XXXX XXXX  payment history shows that the {$210.00} is REFUNDED and tells me to contact B of A for my money. B of A says they never received the money. 

I engaged with XXXX chat ( XXXX ) again about not receiving my money. They say that B of A canceled the transaction and I need to contact them for my money several times. 

I have talked to B of A multiple times and they said XXXX received their money and never issued a refund. 

I have the chat from XXXX XXXX  saying the transaction was cancelled and B of A owes me money. I have my transaction history of all transactions for {$210.00} from B of A showing the withdrawal from XXXX and the temporary credit issued and then taken away. I have my XXXX XXXX  account showing a refund for {$210.00}. I also have the emails from XXXX XXXX  about the disputed transaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX recent credit pulls that have negatively impacted my XXXX XXXX. The first occurred on XX/XX/year>, by XXXX, which I believe was mishandled by my representative, resulting in an unintended outcome that has unfairly affected my credit rating.
Product: Checking or savings account

I made a transfer from an overseas account-XXXX pensions-into my New York based account at J.P. Morgan Chase on XXXX XXXX XXXX of XXXX Euros. There was a digit wrong on the account number. XXXX and I both informed Chase of the error that same week. XXXX days after the transfer was made. Chase maintained for several weeks that the money never arrived into the mistaken account and they had no idea where the money was. This despite several Swift recalls on the part of XXXX. When Chase finally declared the money was in fact, in the incorrect account most of the money had been taken out. Chase said they had no recourse and returned to me in XXXX only XXXX USD of my money and then finally gave XXXX USD saying that was all the money that was left. 

Chase has refused to put anything in writing about this incident. They were informed nearly immediately about the mistake and did nothing to correct it in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX
Product: Mortgage

Forbearance period was XX/XX/XXXX through XX/XX/XXXX, I resumed payments on XX/XX/XXXX. My promissory/forbearance paperwork was drafted incorrectly ( typo ) and never corrected during 90 day period. I contacted them multiple times with correct information but they wouldn't correct it. Company tried to force me to sign for 8 payments, not six. Sold my loan without paperwork in place, reported delinquent, credit problems immediately. New company will not honor any previous FHA guidelines for forbearance protection.
Product: Checking or savings account

Hackers attacked my Chase checking account costing me {$1400.00} unauthorized XXXX XXXX  transactions to purchase XXXX & I don't even know what that is. Chase voided all my disputes telling me to go 3td party? The time i used XXXX XXXX & XXXX XXXX is to send my grand daughter gas money. It took me getting with an IT Expert to find where hackers have been in my accounts since last XXXX but Chase could not see that fraud was happening & denied me access but allowed hackers to do whatever. 
They allowed hackers to reverse my XXXX XXXX payment & not its in legal repossession 3 weeks after I made my payment. ALL was done on the same day showing hackers in my account attached XXXX XXXX Chase statements & hackers from XXXX, CALIFORNIA & TEXAS. I live in XXXX & use XXXX XXXX XXXX. XXXX Department was notified at less a dozen times. I phone recording emails text messages also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX Navy Fed Credit Union. XX/XX/XXXX
Product: Mortgage

While in modification to be able to start to repay my mortgage, the company would only allow us to refinance on a higher interest rate, which raised our monthly payments by {$900.00}. We obviously wouldn't be able to cover this extra amount but they wouldn't work with us in any other way, and continued with foreclosure procedures and forced us to accept the refinance or loose our home. Now we have obviously been unable to make this additional payment so we have fallen behind again, and once again being threatened with foreclosure. The only option they give us is to pay 3 months at once otherwise they will proceed with foreclosure. I feel as if they have purposefully put us in this hard spot in order to take our home from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) XXXX violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX ( still reporting ), AMERICAN STUDENT ASSISTANCE has emailed me that they will be selling my information yet again to XXXX  XXXX. I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, 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. 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 or other personal consumer reports

I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity. 

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.
Product: Checking or savings account

I deposited my paycheck XX/XX/20 for {$4400.00} like I usually do on my app. I have never had a problem with check being held. The deposit went through with no issue. I noticed XX/XX/20, though the money had already cleared from my contractor 's bank account, it showed as a hold on my business bank account with no effort from TD bank to communicate the hold. 

When I contacted TD bank on XX/XX/20, the business account costumer service woman I spoke with on the phone was rude and provided no help at all in resolving my inquiry. 

She just stated that there was a 6 day hold on the delivery of my paycheck. Apparently such a " large amount of money '' triggered an immediate hold. This is my paycheck and have never experienced any delays or problems depositing a check. Any lack of clarity on the deposit is immediately captured on the app and deposits don't take place unless there's a clear image. 
I sent a message to TD XX/XX/20 stating the major turmoil this has caused me and got nothing but a generic reply XX/XX/20 Stating " apologies " caused by the inconvenience. Online deposits over {$1500.00} will automatically trigger a hold. Had I been informed of this, I would have never deposited my paychecks on the app. 

I never default on my obligations! I am in good standing with my creditors and my Credit Score is a good reflections of this. 

I called again XX/XX/20 inquiring about the status of my funds and a much nicer woman was kind enough to explain the policies on " large '' amounts of money being deposited on the app, she stated my funds should be available XX/XX/20 or XX/XX/20. She also encouraged me to go to an ATM or to a bank teller personally next time. I work during normal bank hours, making impossible for me to take off to deposit a check. 

Two weeks later, my money is still not available. I had to tap into my savings to make ends meet. Only today, XX/XX/20 I get a letter from TD, supposedly dated XX/XX/20 ( sure!! ) stating that after all, " my check may not be paid ''. I DID NOT received a delayed availability notice a the time of deposit. 
The fact that TD Bank is doing this to any human being DURING THE CORONA VIRUS outbreak it's CRIMINAL!!
Product: Mortgage

My daughter was diagnose with XXXX XX/XX/XXXX. She need help with here XXXX month old little boy and need my assistance going to the doctor and getting XXXX. Meanwhile I had XXXX on my XXXX   during the same time. I was out of work for 6 weeks. I was stressed and so upset with all this going on. I started fall back on my bills. With know help from Loancare. Till this day XX/XX/XXXX I'm still stressing to help my daughter and raise my grandson. My mortgage have in increase 3 times since I purchase this home in XX/XX/XXXX, Was {$740.00} now {$790.00}. Customer Service is so bad. They don't have any respect for people. Also Loancare Loss Prevention Department I had a toilet that over flooded XX/XX/XXXX and I still haven't got my house repaired yet ( XX/XX/XXXX ). They are stressing me out for simple things that I have no control of. I sent everything they ask and they still haven't release the check to get my house in order. XXXX XXXX put me throw a lot today. I need a decrease on my mortgage.I need help.
Product: Credit reporting or other personal consumer reports

This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit reports. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit reports, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reports. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Equifax has reinserted incorrect information on my credit report for an account from XXXX XXXX after being informed that I am a victim of identity theft and this does not belong to me. 

The account I am disputing does not relate to a transaction that I have made or authorized, EQUIFAX was instructed to please remove/correct this information immediately. The re-insertion of this account constitutes a violation of my rights under multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, when an account is removed by a credit bureau and then reinserted, Equifax is required to notify me within five business days, providing the name, address, and phone number of the furnisher of the information, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Equifaxs failure to follow this provision results in noncompliance with federal law. I have not received any such notification from Equifax, nor have I been provided with additional adequate evidence from XXXX to substantiate the legitimacy of this account that would allow its reinsertion into my credit file. This omission is a direct violation of my rights under the FCRA. 
Equifax, XXXX, and XXXX credit bureaus previously deleted this account due to being inaccurate and unverifiable along with my FTC identity theft report. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which I enclosed, I requested that the item be removed by Equifax and blocked to correct the information. Additionally, the reinsertion of this fraudulent account without substantial verification violates 15 U.S.C. 1681s-2, which mandates furnishers of information to provide accurate data. XXXX has failed to prove to me that this account is legitimate, yet Equifax has allowed its reappearance on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years, I have continually and am requesting the proof of permissible permission for Experian to have submitted my credit report to and for the XXXX XXXX XXXX XXXX ( COAF ) loan in XX/XX/2017. It is that simple and I have yet to receive. But Experian and XXXX play the typical and despicable attorney politician games like in Washington to avoid.
Product: Credit card

In XX/XX/year>, I was approved for a {$2400.00} PayPal credit limit. when I was approved, I had several charge offs and other negative accounts that I was working on my credit report. Then the end of 2024 after the charge offs were removed and my credit was improving They cut my limit down to XXXX. This caused me to have a high usage rate which caused my credit to go down. I fixed all that and my credit score is higher and has XXXX negative items, my usage is at about 40 %. Today XX/XX/XXXX when I logged in, they reduced my limit again to {$990.00}. WITHOUT NOTIFICATION!! They are ruining my credit. They are also reporting hard inquiries up to four times a day. Ive contacted the executive office numerous times and they have not gotten back to me. I am working on getting an FCRA attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX