23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a citibank customer. I have a checking, savings, macys, macys XXXX  and a citi double cash credit card. About a month ago it locked about 3 times in one day and I was able to fix it and only one supervisor out of three was able to help me with my transaction. The very next morning, I wanted to make another transaction so I called first to have a supervisor on the phone while I make the transaction incase I have an issue and didn't want to get the card locked again. The representative was rude, disrespectful, joking, laughing at me and should not be working for customer service. She didn't want to transfer me to a supervisor and told me my security word was wrong and locked my account. It's been over a month and I received letters with the reference numbers multiple times and everytime I call to verify, I am told it's the wrong letter. This is unacceptable and I'm very upset with the help and service of most of the representatives for citibank besides a couple here and there. But most of them are unprofessional, disrespectful and rude. I want to use my double cash citi credit card. I have multiple accounts with citibank and I want my card unlocked now!
Product: Credit reporting or other personal consumer reports

This account was reported late to one credit bureau and on time to the next .However the account was never late XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$400.00} {$400.00} {$400.00} Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Balance : {$21000.00} {$21000.00} {$20000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$22000.00} {$22000.00} {$22000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Auto Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK Equifax OK XXXX XXXX XXXX OK OK OK OK OK
Product: Checking or savings account

I was scammed out of {$2300.00} via Zelle in XX/XX/year>. I immediately reached out to my bank to seek assistance. I was informed that due to using Zelle, all transfers were final and I couldnt get my money back.
Product: Debt collection

I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from PayPal Credit.  I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Product: Credit card or prepaid card

XXXX XXXX make it a practice to periodically check customer 's credit reports apparently. Then based on that they lower credit limits. I understand that they think this is necessary even if the customer has am excellent history with them which does not seem to matter. However, It is totally unethical to lower credit limits that are intentionally below a customer 's balance causing them purposefully to be over limit which intern they quite promptly report to the credit bureaus. When purchases were made they were made with the perception that the amount used was available at the time. These practices are not only unfair to the consumer they are unethical.
Product: Money transfer, virtual currency, or money service

I was purchasing a software which was never delivered by the seller and they kept requesting funds to actually deliver. I called my bank in attempt to cancel the pending transaction which they would not do anything until is posted. Once it posted they gave me no assistance to dispute my funds. Ive been a member of this bank for almost 10 years and was very disappointed that they would not help me. 

It happened on XX/XX/2021 to XXXX XXXX and i have written documentation that the product was never delivered. A payment of {$350.00} was sent then to register the product the seller requested {$210.00} and that was sent. Nothing ever came out of it and I should have some sort of protection for my funds. Its not fair for people just to steal your money and get away especially since your funds should be backed by your financial institution. I am requesting a credit of some sort or a full refund.
Product: Mortgage

I have called several times about the excessive late charges over 7k I have owned this Home since XXXX XXXX. I requested that these be removed or reduced as I feel that payments were not posted on time. I asked for history from start of loan in XXXX and received XXXX on and no previous years. I believe I have three times scattered late over thirty days in almost 15 years. This is a financial hardship to pay over 7000 in late fees and eating my equity which is not much based on the decline in my area. I was told there was nothing I could do but pay the money and they would not work with me at all. To request bank records to prove would be impossible as the cost and they dont exist. As a consumer this is financial XXXX and profiting off a life long customer.
Product: Bank account or service

I have been using TD Bank for a few years. I have found that in recent months the quality of service has declined dramatically. 
1. I had a debit card purchase and deposit on the same day just a few hours apart and TD processed the DEBIT before the CREDIT of the deposit. This is something new that I have not experienced before. Typically in the past all credits to the account have been processed first and then the debit transactions have been processed. When I inquired about this with the TD call center I was berated by the associate. She stated that I should have known that debits would be taken before credits to the account no matter if they are processed in the same day or not. She then said that she would be putting notation on my account that I was informed of this policy and that I could not use this excuse when calling the customer care line in the future. Of course, no one wants to have a fee assessed to their account but from time to time it just works out that I do have overdrafts on this account and I willingly pay the fees and never dispute them because this is a cost I am willing to pay to have all items clear the account, and I may make deposits on the account once transactions clear. In this case I was shocked to be assessed this fee and simply wanted information. The associate did remove the fee but only after scolding me and stating " You should have known, and now you do ; next time you will need to pay the fee. '' 2. I was recently in a branch XXXX XXXX XXXX XXXX XXXX and the teller was extremely unhelpful. I needed a bank issued check for a large purchase. The teller did not inform me of the cost of the banking item and when I filled out the withdrawal slip to have the check drawn from my account she yelled at me that there was a fee and I needed to add that fee into the withdrawal amount. After redoing the paperwork for the process I asked to speak to a supervisor in order to get more information about my account and the transaction I was processing. I mentioned that I was not happy that I was treated with such disrespect and that fees were not clearly stated by employees. XXXX can not assume that the consumer is aware of this type of fee as its not something that a common consumer needs frequently ( I do all banking online and at ATMs. ) The supervisor stated that is just the way the structure of TD Bank is set up and that the teller was having a bad day and that I could have looked up all this information online. He said, " sorry, but you have to excuse her she 's going through a rough time, here is your check, did you want anything else. '' I was pretty taken aback even in New York XXXX where customer service is typically quite raw, this was just terrible. I went home and researched the banking product fees and was not too happy to find that the TD Bank employees could have suggested several different products costing less and achieving the same result as the Bank Check. Poor customer service, sad that they are not honest about consumer options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving unsolicited, and harrassing phone calls from this company stating that I owe a loan for a person whose name is not mine. They read me my address, phone number, and a FAKE employer threatening to sue me. 

Well, I went to the XXXX XXXX clerk of courts, and there is no such lawsuit that has been filed. They assisted me with finding out this companies name, and address. I mailed a letter asking them to remove this fraud inquiry from my credit, and stop contacting me. 

They are refusing, and I just called XXXX, and they said that I dont have an account with them. This is fraud, harassment, and intimidation to pay something I dont owe The only reason that they cant commit fraud with the other credit companies is because, Ive locked my Credit profile with those places..
Product: Credit reporting or other personal consumer reports

I checked my Equifax and XXXX credit reports and noticed I had unauthorized inquiries for accounts I did not apply for. This is a violation of my rights and I would like these inquiries removed immediately or I will file for litigation against Equifax and XXXX. I have attached my dispute letter and identity theft report to this complaint for your review.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$41000.00} XXXX {$5400.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Reporting agency keeps reporting a collection that does not belong to me, I keep asking for proof of debt and they keep sendig a contract that I did not signed, no ID that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was making an online purchase, the merchants web site glitched, resulting in a pending payment. The merchant canceled the payment immediately. Cash App kept my money, and has not returned it 5 days later ( when I'm writing this ). When I contact Cash App I get the same preformed responses that tell me to contact the merchant and if they cant help the money will be held for a week. The merchant did help, still no funds. When I tried to complain about this, Cash App literally terminated to conversations.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.
Product: Debt collection

I am writing to you to block FMS FINANCIAL Solution ( Original Creditor : XXXX XXXX XXXX XXXX XXXX from my report immediately. I do not owe this debt. This is inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility.
Product: Debt collection

XXXX, On XX/XX/2022 I received a phone from XXXX XXXX with McCarthy Burgess and Wollf stating I owed them a debt of {$280.00} and some change on behalf of XXXX. I never gave sprint any written consent to use my private non public consumer information with any affiliated or non affiliated third party. Nor have I ever contracted with McCarthy Burgess and Wollf. XXXX XXXX stated they would place the balance on my consumer report which is damaging to my reputation. I spoke to a representative for XXXX stating that my account is suspended but once payment was received I could start service immediately. My account was never closed but I have a third party law firm threatening me into payment of my own private matters. The XXXX representative stated that it was their policy to give my account over to the debt company even though it never closed and Im still incurring payments months after non use of the device.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

As theyve had trouble doing the Covid error I was behind on my car loan and I called them to set up a payment arrangement that I would not be penalise for and they stated to me that as long as I stayed under the payment arrangement they would report to the Credit bureaus positive results Upon checking my report. The dates they set up for payment arrangement did not go with my due date and I have XXXX late payments even though I was making the scheduled payments online they said it was nothingthat they could do. I have XXXX more car payment this month and the car will be paid off, but theyre still reporting late payments every month which is hurting my Credit.
Product: Mortgage

In XXXX of XXXX I used the XXXX program to refinance my home. The purpose of the program was to help lower my payment but without requiring an appraisal because my home 's value was and still is lower than the principal balance owed. I ended up getting my original loan refinanced and my payment started out being {$1900.00} a month. Since XXXX, my payments have risen to {$2300.00} by XXXX of XXXX. That 's an increase of {$410.00} a month in just 3 years. My property tax has not risen that much and while my home insurance has risen, it has definitely not increased by {$4900.00} a year. I do n't think banks realize what this does to a person when they only make so much money a year and budget for a monthly home payment when they close on a loan. I have complained and inquired about this to Plaza Home Mortgage for the past 2 years and the only response I have ever received from them is that they under estimated my escrow amount to be paid ; and of course with an offer to pay the difference in full vs. monthly ; yet they made the error in calculating. In XXXX of XXXX, my home insurance went up by {$86.00} a year. Over the past 3 months I 've sent a couple of messages to Plaza Home Mortgage reminding them that they need to make sure that when they analyze my escrow payments in XXXX XXXX XXXX, they take note that my home insurance is {$1800.00} and NOT {$1700.00}. I just looked at my escrow analysis and they disregarded the messages I 've sent to them and I still show they have my hazard insurance at {$1700.00} a year, which I believe will result in yet another escrow shortage by XXXX of XXXX. I have sent them XXXX messages in the past week and have received NO responses. I still have no good explanation of why my payments have gone up {$4900.00} a year ( {$410.00} a month ). I have every reason to believe that Plaza Home Mortgage is doing this same thing to other home loan borrowers and I believe they are making more profit from the loans and not reporting it to the government or something else is going on. My suspicion is that they are using home owners equity accounts to make money because they would avoid paying taxes on our equity OR they have grossly miscalculated my annual escrow from the beginning. My reason for suspecting this is because of lack of valid proof of the large increase in my monthly loan payment amount and lack of responses from the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documentation supporting late payments on my credit report and have the lender has not responded or removed the late payments
Product: Mortgage

I have called multiple times and spoke with my moorage company XXXX Bank to verify if there were any leans, loans or forecloses attached to my property. In return they said there wasn't any of those things. There have been multiple phone calls from realters to finance agencies asking me if I wanted to sell my home or if I need help with paying my loan. According to XXXX XXXX M & T bank has listed my property up for XXXX sail on XX/XX/2023. My mortgage company is with XXXX Bank. M & T Bank has claimed XXXX lent entitlement to my property. I have made every payment on my loan from the first day I closed on my home. I need to report this because I have no loans or leans with M & T Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 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. I did not give you written instructions to furnish this in 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. REVERSE THE ABOVE LATE PAYMENTS ON MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with reversal of the above referenced late payment, and sending 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 : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violationsXXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Thank you for your continued correspondence regarding my account and for the investigation you've conducted thus far. I appreciate your efforts to address the concerns I raised ; however, I believe there are still key points that remain unresolved.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues on the platform. I have used Zelle multiple times and reporting my concerns. My bank and Zelle have failed to investigate my claims adequately. They informed me that it was impossible to recover any funds and tracking transactions is 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 is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute all these claims on my credit report throughout three major credit bureaus and they do not submit my disputes I can't my credit score does not go up still having problems I deemed myself with ID me
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.