23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Request for Update of Personal Information and Deletion of Incorrect Data Dear Sir/Madam, I am writing to request an update to my personal information on my credit report and to ask that any information that no longer matches my updated details be deleted. The information currently reported may be outdated or incorrect, and I want to ensure that my credit report accurately reflects my current personal details. 

Current Information on File ( as per my credit report ) : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Social Security Number ( last four digits ) : XXXX Updated Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please update my credit file to reflect the correct personal information. Additionally, I request that any outdated or incorrect information that does not match the updated details be removed from my credit report. If there are any discrepancies, I expect that they will be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional documentation or have questions, I am happy to provide further information. Please notify me of any actions taken and provide me with a copy of my updated credit report once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I Am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

I received an email from Wells Fargo Bank stating that my online password was disabled since it was entered incorrectly XXXX times. This must have been done by someone other than myself. I tried to reset it online but this was unsuccessful so I called Customer Support. I was told that they would NOT be able to help me at all and that I must go to a branch. I live in XXXX XXXX so this is not practical for obvious reasons. The call was escalated and I was told the same thing. I have now left a voice message for the XXXX level and have been told not to expect a call for the next 2 days! I also reached out to XXXXXXXXXXXX and this group responded with the same responce. I have been a Wells Fargo customer for about 15 years and am shocked that I am now unable to access my account which is active. I need someone who can actually resolve it rather than repeating company policy. 

I am very concerned since there are automatic withdrawals from my checking account and a VISA account that need to be maintained.
Product: Debt collection

XX/XX/XXXX {$810.00}. The original creditor is XXXX XXXX XXXX. This Is a medical collection this account is illegally reporting on my credit report. This is violating my privacy and HIPAA law please remove this from my credit report or you are opening yourself up for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to lease vehicle I was promised prior to the agreement that in a year they would cut my monthly payments in half. In addition to that promise they added on extra products that I did not request. I tried to go to the dealer to fix the situation. Any reasonable person would not have took the car off the lot without those promises. When I reached out a year to the date via text the dealer said it can still be done when I went in person I was told no and they tried to get me to buy the car to lower the payments so I told them to take the car. The ending balance on the vehicle was approx 19,000. Not the XXXX thats reported. The car isnt even market value for XXXX. Market value is between XXXX and XXXX. This dealer is in direct violation of the TRUTH IN LENDING CONSUMER LEASING ACT. Ive consulted with numerous lawyers and they all say the dealer acted illegally. The texts shows the dealer knowingly tricked me as a consumer whos never leased a car. They should not lie to sell cars and then try to make me pay an insane price when what they did to me was illegal.
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION {$1500.00} Charges filed Officer XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA
Product: Credit reporting

Equifax is falsely reporting XXXX collection accounts on my credit report. I disputed them all and surprise they come back verified. I try and make contact with the companies, 1. XXXX XXXX - NEVER received a response of validation 2. No company info/No Contact Info - {$1200.00} 3. No Company info/No Contact Info - {$180.00} This is n't even funny anymore. Now equifax is being arrogant now, not even reported contact information. Why should they have to. They could get away with XXXX.
Product: Credit card or prepaid card

I normally maintain a credit balance on my AA Citi Card ending in XXXX as I, prior to COVID-19 travel quite a bit as a guest speaker at financial conferences and can not always be assured of making specific payments. As a result, the card is set up for {$7200.00} per month to be sent from my bank to your bank for payment on the credit card. I was carrying a credit balance of {$2800.00} on XX/XX/XXXX and this credit was reversed, with a debit on XX/XX/XXXX with the reason given credit refund as requested. Several issues present themselves here. First, I did not request a credit refund. Second in over 22 years with Citi as a credit card customer Citi never did this on my account. When I signed on to chat XXXX responded and informed me that a check was being issued but it was being held because of a dispute with a merchant. The amounts in dispute, there are two of them, total {$120.00} and I will not belabor the lack of logic in the discrepancy of the amount held vs. the dispute nor the fact that this has never been the policy. XXXX continued to state that this was normal policy and I know it is not, at least not on my account for over 22 years. I believe that the funds have been misappropriated and that Citi is unable to provide a reason for either the difference or why, suddenly, the decision to remove a credit and cover it up by telling me it was as requested. I asked to speak with a supervisor but was advised to wait until one was available. I had simply asked for an email from a supervisor stating the policy and assuring me the check would in fact be processed. No supervisor was available.
Product: Credit reporting or other personal consumer reports

Contact the credit burees to have them to dispute the removal of the account because the information was fraudulent. I ask them how was my information verified the didnt give me the proper on verification
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.
Product: Debt collection

I have a Kay jeweler credit card. the due date for payment is the XXXX of the month and late fee accessed after ten days past due date. I called on XX/XX/XXXX at XXXX XXXX, central time. I spoke with customer service representative XXXX ( had to ask her to spell her name because of her not good english ). I asked for the amount due and she stated {$93.00}, I asked why {$93.00} and she stated because of the past due amount.. I stated that the payment was due XX/XX/XXXX and today is XX/XX/2020. She stated that the past due amount of {$47.00} and the upcoming XX/XX/2020 payment is due. I informed her that today is XX/XX/2020, and you are trying to force me to pay a bill that is not due yet. I informed her that you can not force a consumer to pay a bill that s not yet due. I paid the amount that was due on XX/XX/2020. This is not the first time i encountered this type of practice with this company. ( XXXX XXXX XXXX XXXX for Kay Jewelers ).
Product: Checking or savings account

I noticed unauthorized activity in my checking account and my line of credit account on XX/XX/2019. I also discovered that account preferences had been changed without my knowledge, request or authorization. I have not had access to over {$1500.00} of deposits since XX/XX/2019. Wells Fargo admitted a glitch in their system and stated my funds are in limbo. This is affecting my commitments to my creditors. I have filed a police report with XXXX and a complaint wi OCC. Thank you in advance for your help and attention.
Product: Credit card or prepaid card

In late XXXX as I was leaving my Delta flight at XXXX XXXX airport, I was approached by a XXXX employee who told me about a XXXX mile bonus offer from American Express. I applied on one of their computers at the terminal and was approved on the spot. I was told I would receive XXXX bonus miles after {$2000.00} in purchases in the first 90 days. A week later I received my card and started using it. 

I contacted American Express today to enquire about the bonus miles and was told I do not quality for that offer. American Express NEVER notified me that I did not qualify for the bonus offer. If that was the case, they should have notified me upon approval. They approved me for a card under certain terms, and now they are not honoring those terms. That is a FRAUDULENT, MISLEADING, DISHONEST business practice, very much like the infamous " BAIT AND SWITCH. '' It hurts me as a consumer to have opened one more  credit card account that I will not use. I was encouraged to open this account to receive the bonus miles. I complied, followed all the rules and now I am told I do not quality. 

To make matters worse, American Express charges {$100.00} per year for the card. This looks like a fraudulent business practice to get people to apply and pay annual fees. Please help me receive the XXXX bonus miles from American Express.
Product: Checking or savings account

I deposited my check into my wifes account, and its been freeze for 3 months because they say they need proof of identity and that they just can do it by having a phone number under my name. I I have the phone number and when they call XXXX said that the computer dont recognize my number or that is not under my name, they said different reasons every time. I told them that I got everything to proof my identity, I have a XXXX bill to proof that its my phone number, and they insist that its not other way to do it that they dont want to help me because the policy but they dont explain everything. I dont understand why they dont give me other solutions when I got my ID, Social, the phone Bill and my boss authorized the checks.
Product: Checking or savings account

On XX/XX/XXXX, hacker hacked my PC and wired out {$49000.00} from my account, the transaction was not consent by the account holder. The incident was reported to Citibank within less that 3 hours after the occurrence, furthermore, Citibank even let the hacker to set up a beneficiary account to receive this {$49000.00} within that short of timeframe ( less than 3 hours ) and using my home address to set it up w/o and veridiction. Citibank has promised to reopen the investigation, but no action taken, only using their form letter to delay the process. Below is a copy of my letter to Citibank 's Executive Response time : XX/XX/XXXX To : Citibank , N.A . 
Executive Response Unit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Case # XXXX Subject : Request for Clarity and Resolution Regarding Fraudulent Wire Transfer Investigation Dear Citibank Executive Response Team , I am writing in reference to your letter dated XX/XX/XXXX, concerning the fraudulent wire transfer dispute involving my checking account ( ending in XXXX ) and claim # XXXX. While I appreciate the reopening of the investigation on XX/XX/XXXX, I am seeking clarification on the following points due to conflicting language in your correspondence : 1. Current Status : Is my claim actively under investigation, or has it already been denied?

2. Next Steps : What specific actions will Citibank take to ensure a thorough review of the reopened claim?

3. Documentation : How should I proceed if additional information or documentation is required during the investigation? 
Your letter mentions that the investigation may take up to 60 days and that I may need to provide further details. However, it also states that Citibank considers the matter " resolved '' and will not respond to further inquiries, which contradicts the ongoing review. 
I request explicit confirmation of the investigation 's status and ask that any premature closure language be retracted. Given the severity of this issuea fraudulent transfer of {$49000.00} on XX/XX/XXXX, XXXX urge Citibank to address this matter with diligence, transparency, and urgency. 
I have escalated my concerns to the CFPB ( XXXX # XXXX ) to ensure a fair resolution and expect Citibank 's full cooperation. 
Requested Actions : A written response addressing each of the questions listed above. 
Clear documentation of all steps in the investigation process.

Assurance that no final determination will be made without giving me the opportunity to review or contest the findings. 
Please clarify the reason of why Citibank or its legal representative provided altered or tempered records during the Arbitration process. 
Please communicate all updates in writing. I will await Citibank 's findings at the conclusion of the 60-day period and reserve the right to escalate further if the resolution is unsatisfactory. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2020 I suddenly got a collections notification for around {$400.00} from some company named Receivables Management Systems. I looked online for the company as I had no idea about this charge being out there. Website : XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX, VA XXXX. Phone number : XXXX. I first tried to call in XXXX of that year after still not knowing where it came from. I would call with no answer for a couple months and then just a cracking line and someone yelling hello on the other end. When I finally spoke with someone they stated it was from a trip to XXXX XXXX. I called XXXX XXXX to get more information regarding this claim. They did inform me it was a charge for my daughter nearly a year and a half prior ( We have lived in the same location this whole time ). I then tried to get ahold of Receivables Management to rectify the situation. The woman kept repeating " Are you paying in full today? '' No matter what I asked. In the end we both were screaming into our phones. I then called XXXX XXXX to see if they could help but they're financial department could do nothing now it was with the collection agency. I have verification my daughter was covered by XXXX at the time. I have never seen a letter in the mail from these people. They don't even call. It just appeared on my report and will not go away. I highly recommend at least transferring my debt to another company I can actually speak with. If it were my bill and I knew about it long ago I would have just paid.
Product: Checking or savings account

I was told that I was appointed for a loan but instead of moving coming on my card XXXX came off
Product: Debt collection

I am being charged XXXX dollars as a debt and I signed nothing pertaining to the apartment the apartment is called XXXX XXXX in XXXX North Carolina I never even signed any paperwork to move in or anything just did an application that all.
Product: Debt collection

Hi, My name is XXXX XXXX, I have a debt from JPMCB Card under the account # XXXX that isn't my debt. I have no knowledge of this account neither have I partaked in any business with this lender or conducted any business. My identity was compromised in a data breach back in 2017 so I filed a FTC complaint in which I will attach regarding this complaint.
Product: Credit reporting

my wallet was with all my property ; include my driver license, my social security card, my credit card. I had reported to the law enforcement. as I continue to say those charge that appear on my credit report are not belong to me I sent you the report you refused to make the necessary change according to law. if do n't think this not correct call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my consumer report are unauthorized and are not from me. I also wrote EQUIFAX an identity theft report. EQUIFAX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Credit Reporting Rights Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations. 

Firstly, according to the Fair Credit Reporting Act, specifically section 623 ( a ) ( 2 ) outlines the requirements for furnishing information to consumer reporting agencies; furthermore mandating that before reporting negative information about a consumer to a consumer reporting agency, the furnisher, as defined in 12 CFR 222.4, must provide written notice to the consumer. The " furnisher '' has not provided such information prior to reporting and is in violation of Privacy Act of 1974.

Secondly, according to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed ''.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing and has. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report, by enforcing these statues put in place to protect us, and update my reports with Experian, XXXX and XXXX to " Paid As Agreed ''. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed through XXXX of the amount of XXXXXXXX XXXX on the dates of XX/XX/XXXX through XX/XX/XXXX and my bank couldnt give it back to me. The person already told me they werent giving it back and I dont know what to do. I dont have screenshots because I blocked them after they threatened me. Thanks a lot Huntington.