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

Citibank has blocked my account since XX/XX/XXXX for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/XXXX, neither of which I have received. I called the fraud department multiple times to confirm the letter was sent to my address on file and they refused to confirm whether or not this is the address they sent the letters to. My records show that my address was changed on XX/XX/XXXX, the same day I opened the account, but this is only because the banker who opened my account made an error with my address and had to be changed. So Im guessing the letters are being sent to whatever address the banker initially mistakenly put on my account. OR maybe they sent letters to one of my older addresses on my credit report. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX
Product: Debt collection

I have a utility bill that i am not aware of opening. I want to report it as identity theft.
Product: Money transfer, virtual currency, or money service

Responded to a XXXX add selling XXXX XXXX XXXX. Communicated with the seller via text about the process. Agreed to a {$700.00} deposit to reserve a puppy. Once payment was made via Zelle using my XXXX XXXX XXXX account, the seller stopped responding to texts and phone calls. 

Date money sent : XXXX Amount : {$700.00} Transaction ID : XXXX Sellers name : XXXX XXXX Sellers email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter i. mail but no answer back I checked a few things with a consumer advocate see a ton of errors so i reached out but nothing. No proof of showing these accounts are accurate. I feel i been violated in these areas below. See my supporting documents for more on this. They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to : 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. Also XXXX of the accounts show a XXXX Privacy Rule violation of account numbers and payment history.
Product: Credit reporting or other personal consumer reports

Last year back in XXXX I file a complaint against the credit report agency Lexis Nexis for reporting my personal credit information to other credit agencies with out my consent I also put a Security Freeze on Lexis Nexis to stop sharing my information but recently checked my credit report and noticed that negative and inaccurate information being reported by Lexis Nexis and other credit agencies and I want it to stop ASAP all of the inquiries that was filed with the CFPB as well incorrect name and address information
Product: Money transfer, virtual currency, or money service

Received an email at XXXX on XX/XX/year> stating my PayPal account has been deactivated. 

My balance of {$930.00} is not accessible. 

Contacted customer service twice and did not get any answers. They said it may take 4 months for my funds to be released.

I need the money to pay my rent and bills! I need to transfer to my bank immediately.
Product: Credit reporting or other personal consumer reports

On or about XXXX of XXXX equifax removed credit inquiries that I demanded to be removed, then a few days later re inserted the same inquiries with out notice. This violates fair credit reporting act please delete inquiries stated below ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

When I open the card for my vehicle repair it was 6 months interest free. I agreed because my plan is to pay the car off it has only been 3months in I used the card XX/XX/year> for my repair. They keep charging me interest and it should not be any interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I received a notification from Experian that my credit score had dropped 20pts. As I looked to investigate the cause. I noticed an alerted stating a New late payment within the last 60days had been reported. I looked a little further to see from which agency it came from, as I know None of my payments are late, and it seems to be reported from an acct that was charged off a few yrs bck which does not have a monthly payment requirement. I then screenshot all of proof and filed a dispute. Only to get a response that the agency reported correctly. I am very upset with the decision as I dont think it was fair at a time like now to inaccurately drop my score 20pts for a late payment that did not occur.
Product: Consumer Loan

Dear XXXX : I can not pin it down, but however I feel that I am taken for a ride. I had purchased a TV from XXXX for {$600.00} and financed it through Tide Water. I paid the loan that I owed and I am still receiving payment notices in the mail. I asked them what do I need to do to conclude the matter and close the account and the representative said to me if you pay today {$81.00}, XXXX XXXX XXXX dollars and XXXX cents, plus XXXX dollars processing fee ; I can finalized the account. [ {$73.00} + {$8.00} = {$81.00}. I told her that I can only make the payment on the XXXX of the month, since the due date is on the XXXX ; I should still be on time. She said if I did not make the payment today, right now on the phone, she can not guarantee that the amount that I owed to be the same. 
I asked her how did she came up with the {$73.00} balance ; since I had already paid {$100.00} the month before after the loan amount was paid. She said that it was a fee for paying pass six months. The amount changes arbitrarily ; she could not give me a definite amount for the late fee. 
I feel that it is a deliberate effort to take money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraud account on my XXXX XXXX report from bank of america and i want it removed and blocked from reporting under the FCRA and XXXX XXXX is refusing i have an id theft report from the ftc and police report i sent them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( CPS/MAIL, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Credit Acceptance, XXXX Card ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

XXXX XXXX of Chase Bank stole our money and wont give it backfor real. 

I use XXXX XXXX XXXX management services. I wrote XXXX XXXX and XXXX XXXX a good check of {$16000.00}. They did an excellent roofing job on my office building at XXXX XXXX XXXX XXXX, XXXX, Ca. They are next installing security cameras. 

I paid XXXX XXXX and XXXX {$16000.00}. XXXX deposited the check in his Chase Bank Account. Chase bank cashed the check. then refused to release the funds to XXXX and XXXX and instructed XXXX and XXXX to take me with him and we all provide IDs, appear at XXXX Chase branch office and verify who we are. We did as Chase demanded and Chase refused to acknowledge that we were even present at their bank. We all had appropriate documentation and ids. 

Chase is stealing our money. They wont release the money to XXXX and XXXX and Chase wont return the money to me! In real effect they are stealing it they will not acknowledge they hold the money and they are now claiming we must go to my bank XXXX XXXX XXXX XXXX and demand the check be returned. 

XXXX and XXXX and I all went to XXXX XXXX XXXX XXXX attached is the check # XXXX of XX/XX/2023 processed fully by Chase and XXXX XXXX XXXX XXXX front and back showing that Chase cashed the {$16000.00} check which cleared XX/XX/2023. We want the money released to XXXX and XXXX. 

Chase is politically discriminating ( not racially discriminating ) but politically discriminating because they dislike our Christ-Centered politics. 

We disparately need XXXX on XXXX help. Chase is crushing us because they can. Please assist us in getting the check cleared to XXXX in some business like fashion. Please. 

XXXX XXXX XXXX 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

For over a year now I have been fighting with Equifax about not being able to view my credit report or get a copy of it nor can any lenders view my Equifax credit report either. This has prevented me from getting loans and it is very frustrating! They keep telling me to send them a copy of my ss card dl and proof of address and I have done that on several occasions, and they keep saying they never get what I send them. I don't know what else to do and I think there is something going on with Equifax because there is no problem with XXXX or XXXX only Equifax. I would like a full investigation on this matter please and I am launching a full complaint against Equifax. This is not right and they know it!
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 violated the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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

For 3 years I have tried to get XXXX at XXXX IQ data to remove their error of my credit report. I went to court with them on XXXX occasions due to their property manager at the time saying I and a couple of other residents were not paying rent which wasn't true. Each time, she would find it and the case was dismissed or non suit. Well prior to her I got sick ( XXXX ) and filed bankruptcy. I complained about mold in my apartment and reported it, the inspector came out and gave my apt violations. The manager became angry did some digging and when I moved out later I received collections from IQ data my previous bill that I filed bankruptcy on {$4100.00} from XXXX at XXXX. I showed all my paperwork to several mangers which told me the manager that did the dirty deed was no longer there for other underhanded things and embezzlement ; which I already knew it was talk all over the complex. I could care less I want this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed in seeing the Credit Bureaus take no action in order to remove the fraudulent information from my Credit Report. I have been sending multiple letters with complete attachments of my personal information and an ID THEFT REPORT I received from the FTC. But despite all my efforts to establish a good communication with the Credit Bureaus, the Credit Bureaus have been ignoring my letters as well as became non-compliant with the FCRA section 605b. The Items I am disputing do not relate to any transactions that I have made or authorized, neither did I received any benefits resulting from the theft of my Identity. Also, the Credit Bureaus continued reporting these items without proper verification and authentication. I am appalled by the Credit Bureaus negligence. By submitting this complaint, I am reminding the Credit Bureaus of their obligation with the Fair Credit Reporting Act section 605b. I need the following items deleted completely from my Credit Report : XXXX XXXX  XXXX, XXXX, XXXX  XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN CAUSING DAMAGE TO MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVE AND BLOCKED OFF MY CREDIT FILE. THOSE ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE REPORTING INACCURATELY ON MY REPORT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT REPORT. KEEP IN MIND THOSE ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

Hello, Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX, XXXX   XXXX XXXX  XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX, XXXX GA XXXX. They received this letter according to certified mail with the UNITED STATES POSTAL SERVICES on XX/XX/XXXX. I sent this letter in Regards to the inaccurate information reporting on my consumer report. Today 's date is XX/XX/XXXX and I have yet to hear back from them regarding the dispute about the collection accounts on y report. According to FCRA, they have only 30 days to respond to my disputes EXPERIAN, XXXX  and XXXX had yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. These account XXXX  XXXX XXXX XXXX in the amount of {$1100.00}, XXXX XXXX in the amount of {$1100.00}, XXXX XXXX XXXX in the amount of {$850.00}, XXXX XXXX XXXX in the amount of {$1300.00} and XXXX XXXX XXXX in the amount of {$360.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. These such debt has never been verified, I have not received anything in the mail and EXPERIAN, XXXX, and XXXX  is not responding to my correspondence.
Product: Checking or savings account

My father had his new debit card stolen and activated early XXXX. On XX/XX/XXXX he noticed purchases had been made at the XXXX store and XXXX about an hour away totaling over {$7000.00}. He closed that card and asked for a new one. That one was also stolen and used to make a {$2700.00} purchase at another XXXX store on XX/XX/XXXX. Wells Fargo has refused to refund the money or look into the charges as fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy which was discharged the first of this year. Kubota Credit Corporation shut off online access to my account and failed to restore as promised. In addition they still show derogatory credit information on my credit report even though a reaffirmation agreement was signed and account is current. They should be paid ahead, however they will not provide an accurate statement of account as requested five times. They improperly did not credit a payment to my account made by check, and will not provide account information requested. My credit report shows delinquent on this account even as been paid on time, ahead for months.
Product: Debt collection

This company has been sending statements to my address for over 6 years for XXXX XXXX XXXX. I have called them and written to them multiple times asking them to stop. It has been over 6 years and they continue to send them to my address.
Product: Credit reporting or other personal consumer reports

I am sending this ninth complaint towards XXXX and TransUnion. As, while the XXXX have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the TransUnion Bureau have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Bank account or service

On XX/XX/XXXX through XX/XX/2017, my debit card number and pin were stolen and money was fraudulently taken from my US Bank account, XXXX separate ATM withdrawals XXXX for XXXX, XXXX for XXXX and XXXX for XXXX each, a total of XXXX. The bank allowed them to take my account over XXXX in the negative which caused XXXX in overdraft fees, this is something I virtually never do which makes me wonder why the fraud department did not catch this as fraudulent activity. But they did not catch this fraudulent activity, however ; I noticed it and reported the fraud on XX/XX/XXXX. I was informed I must submit a document which they would email me, I never received the document in my email, so I went to a branch to fill it out and have them fax it in, which I did on XX/XX/XXXX. They informed me that I could not have provisional access to the funds ( totaling XXXX ) for at least 10 business days. I asked when that would be and was told the money would be back in my account on Tuesday XX/XX/XXXX. And yet today, still no money. I called back today and was told that whoever told me that was mistaken and it wo n't be until XX/XX/XXXX, a full 19 days after the fraudulent activity. The criminals were not only allowed to take my account into the negative ( something I can not do ) they also exceeded my daily limit for withdrawals from an ATM. Why the bank did not catch this has not been explained to me. I have a 5 year pattern of withdrawing funds from the same ATM twice a month, and virtually never deviate from this pattern. The criminals who stole my debit card information greatly deviated from this pattern and still US Bank 's fraud department noticed nothing suspicious. The fraud department has not been in the least bit empathetic or willing to help during this time period. Having over XXXX taken out and not replaced for going on three weeks has to say the least posed difficulties. As soon as this is resolved, I will be moving my banking business to another financial institution. When I voiced these concerns to several fraud department employees they all had the same canned response showing that they really have no concern for the well being of their patrons. I strongly encourage all US Bank customers to carefully think about seeking alternate banking arrangements so you do not suffer the same difficulties in the event your card is compromised, something which is sadly inevitable in the world in which we live.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Exquifax have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18,  Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.