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

Despite my previous communications and the involvement of the Consumer Financial Protection Bureau ( CFPB ), my claim has been denied by Citi. I am deeply concerned about this decision and would like to reiterate the following points : Unauthorized Transactions : I did not authorize the transactions in question. As a responsible account holder, I have always taken necessary precautions to protect my account information. The transactions were made without my knowledge or consent. 
Claim Details : Claim Numbers : XXXX & XXXX Banks Responsibility Under the Law : According to the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to investigate and resolve unauthorized electronic fund transfers promptly. Under these regulations, once a consumer reports an unauthorized transaction, the bank must investigate and correct any errors within ten business days. Additionally, the bank must provide a provisional credit to the consumers account within ten business days if the investigation takes longer. 
Liability Limits : Under federal law, my liability for unauthorized transactions is limited to {$50.00} if I reported the unauthorized transactions. Given that I reported the transactions promptly, Citi Bank is obligated to adhere to these liability limits and refund the unauthorized amounts. 

Evidence and Documentation : I have provided numerous pieces of evidence that Citi Bank currently has possession of, yet my claim was still denied, even after re-disputing. If there is any additional information required, please let me know, and I will promptly provide it. 

Customer Protection : I trust that Citi Bank values its customers and is committed to protecting their financial interests. Holding me accountable for transactions I did not authorize undermines this trust and places an undue burden on me as a customer. 

Public Disclosure : Due to the lack of resolution and the significant financial impact this has had on me, I intend to make this issue public. I believe it is important for other customers to be aware of how Citi Bank handles such disputes and the challenges faced in resolving unauthorized transactions. 

I kindly request that you reconsider your decision and take the necessary steps to refund the unauthorized transactions. I am willing to cooperate fully to resolve this matter promptly and fairly.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to MIDLAND MTG. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit card

My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.
Product: Checking or savings account

Wells fargo closed my account without any justification in the beginning and after two months they explained that my account was used in some unverified transections via XXXX, which were verified but for couple months without any explanation they eventually closed my account
Product: Credit card or prepaid card

Im disputing a charge on my discover card for {$1100.00} from elite solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX because the company failed to follow California laws numerous times including misrepresentation of the product quality or services provided i attempted to resolve the issue filing a dispute with my discover card for receiving a worse product than promised. it literally rotted on my head they used illegal dangerous chemicals to put it on my head without informing me of the dangers or providing law required materials. i signed up for the product XX/XX/2022 and my card was billed that day but, i received the less than quality product XX/XX/2022 a month later.i then contacted the merchant numerous times to fix the product and was still unsatisfied they refused to refund me any time. finally XX/XX/2022 i contacted discover for a refund and dispute after numerous failed attempts by the merchant to resolve the problem or refund me i even paid more money to get it resolved and fixed and still not good and they ( elite solutions ) stopped responding and refused to refund me which i explained to discover. i paid over {$3000.00} and in the end i have returned the product to elite solutions and have not received any money back so far. XXXX dollars back and also i dont have the product because i returned it. ive ended up with nothing. i am disputing the {$1100.00} because i never received what was promised once. the pictures below show the day i received the service the XXXX coming up and other days i attempted to get it resolved the product rotting on my head stinking terribly. the owners promised to make sure i was satisfied every appointment i saw them two times of the 5 appointments i tried to get it fixed. i disputed money that i over paid and had not yet been earned by California law i am entitle to a refund based on the Beverly song act and cal civil code because in a timely manner i made an attempt to get a refund and exhausted every possible avenue in doing so absent a lawsuit which is next
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I was discussing with the apartment building what I thought was an unfair estimate for damages. They told me that they would get me an itemized receipt on XX/XX/XXXX. I did not hear from them after this. I then received a phone call in XXXX that I had been sent to collections. I asked for more information on this phone call. I never received any information in writing. I then got notification XX/XX/XXXX that my credit score was negatively affected. I did not know what company to even contact to get information about this debt. I emailed the original apartment building to find out what servicer they used. I emailed on XX/XX/XXXX. Finally, when I spoke to the collection agency ( National Credit Systems ), they said that they had this debt on the books since XXXX. I had forwarded all my mail through the USPS beginning XX/XX/XXXX. I never received anything in writing. The apartment building had my email on file yet I never got an email. I have since paid the fee yet feel I was unfairly dinged on my credit score and never given an opportunity to dispute nor discuss what I thought was an exceedingly high price for the damage in question.
Product: Credit reporting or other personal consumer reports

My XXXX loan with XXXX XXXX XXXX is reporting twice on TransUnion and XXXX. It is showing that they have opened a new account for an XXXX XXXX and Ive had this car since XX/XX/2019. When I reached out they asked me to speak with a department that has nothing to do with the reason my car loan is showing twice. This has caused my credit score to drop significantly and being that its showing XXXX in auto loan debt its interfering with my income to debt ratio.
Product: Checking or savings account

Approximately one month ago, our Citibank Citigold Representative called my wife, XXXX XXXX, and asked her for some information regarding her employment, our net worth, etc. Citibank told her that this related to the KYC ( Know Your Customer ) mandate. My wife provided all the information requested. 

Last Thursday ( XX/XX/XXXX ), our checking and savings accounts were frozen. We spoke with XXXX XXXX, our Citigold representative, who investigated and learned that, although he had submitted our information to the KYC group, that group " had a large backlog, '' and therefore our information was not entered into Citibank 's system. As a result, action was taken to close our accounts. Our representative requested that the account closure process be stopped, but was unable to do so. He told us that Citibank 's internal policies did not allow him to reach anyone with the authorization to reverse the account closure action once it had commenced, even though the KYC group acknowledged that the process had been commenced in error. 

It is now Wednesday ( XX/XX/XXXX ) and we have received no helpful updates. We have been told by Citibank that our account has been unblocked, but the money has been taken from the account. Our Citibank rep is unable to learn whether ( or when ) our money will be returned to our checking and savings account. He tells us that it is possible that a cashiers check has been produced, in which case our money will be mailed to us. He says it's also possible that no cashiers check has yet been produced, in which case it may be possible to reverse the ledger transaction and return our money to our account. He told us that it is not possible for a Citibank branch representative to directly speak to the group which is responsible for handling this, so it's impossible to tell us where our money is. He says that he must wait for someone within that group to send him an email, which may come tomorrow, or next week, or at any time. 

Meanwhile, we have many our bills tied directly to the account, and are bouncing payments all over the place. This will undoubtedly damage our credit, and hurt our relationships with various utilities and other companies, including some small businesses. 

This, obviously, is frustrating to us, particularly since we still have no certainty around how & when it will be resolved.
Product: Checking or savings account

CFPB ) sued Capital One , N.A., and its parent holding company, Capital One Financial Corp., for cheating millions of consumers out of more than {$2.00} XXXX in interest. The CFPB alleges that Capital One promised consumers that its XXXX  XXXX XXXX account provided XXXX of the nations best and highest interest rates, but the bank froze the interest rate at a low level while rates rose nationwide. Around the same time, Capital One created a virtually identical product, XXXX XXXX XXXX, that differed from XXXX XXXX  only in that it paid out substantially more in interestat XXXX point more than XXXX times the XXXX XXXX rate. Capital One did not specifically notify XXXX XXXX accountholders about the new product, and instead worked to keep them in the dark about these better-paying accounts. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

On XX/XX/XXXX, I submitted an online application for deferment for XXXX XXXX student loans due to unemployment with supporting documents. Although I sent proof of unemployment, XXXX - XXXX  ( hereon XXXX  ) requested " proof of benefit for XX/XX/2021 '' no later than XX/XX/2021. The agency also indicated that if the requested document wasn't received by the deadline, I would have to resubmit my application. 

I attempted to attach the document online several times, but the document couldn't be attached due to processing. A XXXX  representative instructed me to wait a few days to try again to attach the document. After a few days, I was still unable to attach the document. On XX/XX/XXXX, I mailed my application and attached the requested proof of benefits document showing currently unemployment as of XX/XX/2021 to meet the deadline of XX/XX/XXXX. 

On XX/XX/XXXX, during the processing stage of my deferment, I received an email informing me that my loans were sent to collection. This action of XXXX contradicts that deadline and the email informing me that if I didn't meet the XX/XX/XXXX deadline to submit the proof of benefits that I could reapply XXXX see attached ). Although XX/XX/XXXX was honored as XXXX federal holiday, my proof of benefits document was received by XXXX on XX/XX/XXXX. Also, the receipt date should've never been on a federal holiday where the post office and federal businesses are closed. 

Besides the above, I received an email on XX/XX/XXXX informing me that my application was denied because the loans were sent to collection, and I received a second email informing me to reapply for deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports and noticed an unauthorized account and inquiries furnished on my credit report. XXXX XXXXXXXX account opened XX/XX/XXXX ending in XXXX should be removed from my credit report. Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account or any of these inquiries.. Block and remove this account and inquiries. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$470.00} XXXX {$0.00} XXXX XXXX {$470.00} XXXX XXXX {$57.00} XXXX XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

recieved a call from Chase informing me someone was trying to open a XXXX card in my name.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, filed a dispute on inaccurate personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax denied to follow up with the investigation and provide information on how this information was verified as accurate. I, XXXX XXXX XXXX XXXX, am submitting a complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX ' credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE. Reporting without valid proper disclosure requirements is a direct violation of my consumer rights. I, XXXX XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify these alleged accounts, only to receive a letter stating that they were verified. 
I, XXXX XXXX XXXX XXXX, am requesting these derogatory items be removed immediately as it is running the risks of affecting my mental, physicaland financial health. 
This company has violated my rights as a consumer and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three Fed loans that have been paid and closed are reporting outdated information. I sent a request on XX/XX/2022 to remove the outdated two year history - its over SEVEN YEARS OLD. 

I got a response that it was " verified '' - It may be verified but its outdated and needs to be removed from my credit file.
Product: Credit card

I own XXXX XXXX Bank of America XXXX and XXXX of them got charge with {$59.00} annual fee. Contacted the Bank to have the charge removed and to close the account. No sense on having XXXX accounts. The Bank gave me several excuses which did not make sense and finally escalated the case ( # XXXX, tel no. XXXX ). The escalation resulted in the Bank telling me that only Spirit can remove the charge. Contacted Spirit and I got redirected back to the Bank. Find attached e-mail from Spirit. I am between these XXXX institutions a no one wants to remove the charge. This is a charge for next year services and I do not want these services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX I received unexpected reduction in my credit limit from Card Member service which is Publicly know as Elan Financial Services that govern by US -Bank my additional credit limit was XXXX my current limit as now with financial Institution is XXXX i have been impressive customer never missed a payment or late This report by the merchant impacted my score tremendously i cant get a house or car or Apply for any additional credit me because of merchant misuse
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Experian is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call experian they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my Experian credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to Experian are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Experian seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Experian to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX  issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by Experian and all unauthorized XXXX parties listed in the notarized affidavit and complaint.