23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank dispute favors merchant despite them not delivering the service that consumer paid for. XXXX & XXXX. Citibank exec provided canned response to close XXXX case. 

On XX/XX/XXXX, I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project, which included replacing tiles and removing and installing a new vanity. Additionally, I spent {$4000.00} on tiles separately for the project. The contractor requested full payment upfront, which I provided. However, they failed to deliver the agreed-upon services and caused substantial damage to the bathroom wall, requiring me to hire another company for remediation, which resulted in additional costs. 

The first time I disputed this charge with Citi Bank, they closed the ticket and claimed it was my responsibility. After I contacted them again, they said they would reopen the case if I provided the start and end dates of the service, which I did. When I later filed a complaint with the CFPB, Citi Bank responded with a canned request for more information. After a month-long investigation, they closed the case again in favor of the merchant. 

XXXX XXXX XXXX XXXX XXXX XXXX has received payment for a service they have not delivered. They didnt complete the job, leaving me with a financial loss of approximately {$12000.00} for the original payment, {$4000.00} for the tiles, plus additional expenses to repair the damage they caused. Despite being a loyal Citibank customer for over 9 years, I will be closing all my accounts with them if this issue can not be resolved and the bank sides with the merchant for charging me for services they have not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the dismissed XXXX  XXXX bankruptcy that is on my credit report. Under 15U.S.C 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. This XXXX  XXXX bankruptcy, although filed, it was dismissed and I did not move forward with the case. Instead, I chose to pay my debt. However, the XXXX  XXXX bankruptcy continues to report to all three CRAs, which is and has harmed my creditworthiness. This is a demand to have the XXXX  XXXX bankruptcy deleted from my credit report. 
I request that the CFPB intervene to ensure that the XXXX XXXX bankruptcy can be removed from my credit report by the CRAs. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, That did leave my account vulnerable and unprotected which cause fraudulent transactions as well closing of my account with not explanation on why. Funds where in the account. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccurate Address Information Dear Experian Team, I am writing to bring to your attention an inaccuracy in the address information listed on my credit report. Upon reviewing my most recent credit report, I discovered that the address information does not accurately reflect my current or most recent residence. There are a list of address where I don't currently reside. Please correct this by only including XXXX XXXX XXXX XXXX XXXX This discrepancy has caused significant concern as it could potentially impact my credit standing. 

As a consumer, I am entitled to have accurate information reported on my credit report under the Fair Credit Reporting Act ( FCRA ). Section 611 of the FCRA provides consumers with the right to dispute inaccurate or incomplete information and obligates credit reporting agencies to correct any verified inaccuracies within a reasonable time frame. 

In accordance with this law, I am formally requesting that you investigate this matter and update my address information to reflect the correct details. I have enclosed documentation to verify my current address. Please ensure that this correction is made promptly and that my credit report accurately reflects my most recent address. 

I would appreciate a confirmation that this correction has been made, along with an updated copy of my credit report. If you require any additional information or documentation to process my request, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reviewed my credit report and located this transaction in the amount of {$45.00}. I have never received a bill from this company and I'm concerned because I feel as though my HIPPA rights have been violated as well. I have never authorized to make payment to this company nor give them the option to bill me for any services.
Product: Checking or savings account

My Fianc 's account got hacked and was over drafted by XXXX XXXX we disputed once and got denied, disputed again and never heard back from them. 2 or 3 weeks after that my savings account was drained of XXXX . we called the bank and they said the second dispute was denied and no one contacted us, no letters in the mail or nothing. it went to a collection agency and thats why my savings account was drained cause they're trying for us to pay from the hacking. We've been fighting with them for almost 2 or 3 months and I'm afraid they'll drain my daughters college account and the rest of my accounts for the hacking that happened. they keep on telling us there research team would look into and we never get a phone call from them or any of the researchers. the last 2 days or so of the account before we froze and closed it there was thousands of deposits and thousands of withdraws. its obvious its a external force doing it because the transactions on that was minimal and hardly ever exceeded XXXX XXXX 


the bank is huntington bank out of XXXX, ohio
Product: Mortgage

XXXX XXXX sold my loan to Freedom Mortgage last year which I dont agree with. They increased my interest rate immediately! I did not form a contract with Freedom Mortgage. They do not apply my payments properly. I pay towards my principal and they break the payment up and then apply it. I recently received an email for payment plus a late fee for XXXX. On XX/XX/XXXX, I paid {$1000.00} and on XX/XX/XXXX, I paid {$600.00}. My payment is {$540.00}.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

Inquirer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization. 

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately. 

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report. 

I am providing copies of my credit reports from the three major credit bureaus ( Equifax, XXXX, and XXXX ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain.

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check on XX/XX/23 for {$1700.00} into my checking account. It was my last paycheck from the last company XXXX XXXX XXXX XXXX XXXX XXXX that I worked for before leaving. On XX/XX/23, I received a notice that my account has been restricted and the account will close in 10 days. Immediately, at XXXX I called the number given to me ( XXXX ), after being redirected 5 times, and left on the call for one hour, a man named XXXX picked up. After telling him my details, he let me know that the restriction was placed because of the check and they needed to call the number from the company to verify the check. No one picked up and recommended I call again in another hour or so. 

I called again at XXXX, and a woman named XXXX picked up. I told her the details and she tried calling the number again. And told me that this process of calling the company was the only way they have to verify the check and my account is due to close on XX/XX/23. However, she told me that on XX/XX/23, the hold on the check will be lifted as well as the restriction and that I'll be able to access the funds on that day. On the same day I called Chase fraud department, I emailed my former company 's fiscal department finance person and was able to receive a response that my check was cleared on XX/XX/23. 

On XX/XX/23, the funds were deposited into my account and the hold was cleared, however, I could not access the funds, use my card, or make payments. I called today, XX/XX/23, to see why I can not use the funds, and a woman picked up and let me know the account is still restricted and the funds were unable to be verified even though the check has been cleared. Ultimately, I was not able to get the check verified and was told there's nothing I can do but wait for my account to close. 

With my account being restricted, it has caused me financial hardship. I've become unable to pay rent, make payments to credit cards, resulting in maxing out credit cards while waiting for the restriction to be lifted. 

Via my last contact with the company, because the company is so huge, it can be hard to navigate to the fiscal financial department. I have attached their numbers here for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$650.00} XXXX {$3500.00} XXXX {$4000.00} XXXX {$1900.00} XXXX {$450.00} XXXX {$650.00} XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use the XXXX  site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called Transunion and got to talk to a live person named XXXX, on XXXX XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for Transunion only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, Transunion, and local police for data and information that is fraudulent on his reports.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

US BANK Was in the middle of a divorce and the debt being collected was my ex spouses. He refused to pay me during the XXXX that it took him to finalize divorce causing the debt to rack up late payments. Afterwards the debt was paid IN FULL. 
I have disputed with US BANK told them multiple times the situation to which they cared less. and I disputed through XXXX which they also denied Every single other thing on my report ( including those debts up to the divorce ) have been paid on time every month for years. I am asking that someone help in this situation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX dated XXXX XXXX, is the result of identity theft, and They are not belonging to me.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Every circled furnishing attached below is a violation to my federal consumer rights. My invoice for actual damages and violations will be attached also.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX BLACKMAILED ME TO BUY EXPENSIVE BUT WORTHLESS EQUIFAX CREDIT MONITORING BY EQUIFAX DELIBERATELY LEAKING MY DATA. EQUIFAX RETALIATES BY FALSELY CLAIMING I HAVE BEEN THE VICTIM OF FRAUD ALERT. I HAVE NEVER BEEN THE VICTIM OF A FRAUD. EQUIFAX CAN NOT PROVE I LIE. BUT EQUIFAX PERSISTS IN UNJUSTLY GIVING ME A FRAUD ALERT. I WANT ALL FRAUD ALERTS REMOVED BECAUSE THEY ARE FALSE AND INJURE MY CREDIT UNFAIRLY. I WANT TO GET BACK ON PROMOTIONS LIST. I WANT XXXX XXXX FREEZE NOT LEGISLATIVE SECURITY FREEZE. EQUIFAX DELIBERATELY FALSIFIES MY ADDRESS TO XXXX XXXX XXXX WHEN IT SHOULD BE XXXX XXXX XXXX XXXX IN ORDER FOR EQUIFAX TO EVADE GIVING ME VALID NYS SECURITY FREEZE. EQUIFAX DOES NOT ANSWER AND HARMS CONSUMERS AND ME. I AM A CONSUMER
Product: Credit card or prepaid card

2 years ago a credit card show up in my bank chase account appear. 
It was Amazon prime credit card, I have never used and have never even have the card in hand. This credit show in my account I have call the credit card company they told I have to to do the payment even though my address was never on that card and they won't tell what address the credit card was buying on shipping to. The card has a total of {$1700.00} to pay in it. I also called credit bureau they didn't help me. They won't give me information where everything was sending to. I call every month to fix this and it always same issue. They not helping me. This is causing my credit score to go low I can't apply for credit cards because of this. I told them my address and everything but apparently I'm getting no answer and help.
Product: Mortgage

On XX/XX/2023 a trial modification plan was offered to me. A foreclosure sale date was scheduled a week after that. The sale dat is for XXXX. A modification review is also active. On XX/XX/2023, I received two letters notifying me of a sale dat and another acknowledging that a review for a modification is active. The letter also states that foreclosure actions are currently on hold on the account until XX/XX/2023. The letter went on to say that SPS will not file the first legal action, order of judgement or order of sale until after that date and that if the attorney has scheduled a sale date they will order it for it to be cancelled. This has not happened. This is dual tracking once again. I have spoken to different reps who insist that that sale date should remain even though the letter states it will be cancelled.
Product: Credit reporting or other personal consumer reports

Inquires on my credit that I did not authorize, nor do I recognize. XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an item on my credit report under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ), which governs the responsibilities of consumer reporting agencies in ensuring the accuracy and completeness of credit information.

I recently obtained a copy of my credit report from your agency, and I have identified that I believe is incorrect and needs to be corrected.

Under the FCRA, you are required to maintain accurate information on consumers credit reports, and to investigate disputes in a timely manner. I am requesting that you thoroughly investigate this dispute, as outlined in 15 U.S.C. 1681i, and either verify the accuracy of the information or remove the incorrect entry from my report.

I would like to remind you that 15 U.S.C. 1681o provides that if a credit reporting agency willfully or negligently fails to comply with the requirements of the FCRA, the consumer may be entitled to damages. As such, I trust that you will handle this matter promptly and take the necessary steps to ensure that my credit report is accurate and in compliance with the law.

Please send me a copy of the results of your investigation and any corrections made to my credit report as soon as possible. If further documentation is needed from my side, please inform me promptly. 

Thank you for your attention to this matter.