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

Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.
Product: Checking or savings account

I was a victim of a fraudulent transaction consisting of using the XXXX  platform on chase on XX/XX/2022. The amount was of two transactions of XXXX each or XXXX in total. I went to my bank and they said there was nothing they could do to solve this problem.
Product: Credit reporting or other personal consumer reports

I recently realized that I had a fraudulent account opened on my credit file. I have no knowledge of this account and I would like for this to be resolved asap
Product: Checking or savings account

Chase bank is holding XXXX dollars of my money and I dont have an account there. They made a computer error, which they admit to and the money was accidentally deposited. Now the money has been tied up for 10 days and they will not release it to me. It is with their error response team. I have been to the bank several time and spent hours on the phone only to b told we dont know when it will b released.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINAL NOTICE TO BANISH MY CREDIT REPORTS/FILES FROM MY CREDIT PROFILE FROM YOUR DATA BASE AS XXXX IS TRYING TO DUE.
Product: Mortgage

I have a mortgage with XXXX, which is now serviced by Shellpoint. On XX/XX/XXXX I received a statement dated XX/XX/XXXX showing revised escrow amounts. On it, payment had been made, without my knowledge, in XXXX for XXXX XXXX beyond the XXXX XXXX policy provided by the XXXX. The XXXX escrow amounts included escrow for XXXX XXXX XXXX XXXX XXXX despite the fact that they are all provided by the XXXX master insurance policy. On XX/XX/XXXX, XXXX called Customer Service and was told that I had to talk to the XXXX Department. I did and they asked me to forward Evidence of XXXX for these items ( which had already been sent ). I re-sent that XXXX on XX/XX/XXXX. On XX/XX/XXXX I called again, and again was transferred to the XXXX Department. They informed me that their company policy was to require " XXXX '' insurance on their mortgaged properties, and that was what the charges were for. They agreed to remove the XXXX XXXX from the XXXX escrow, but declined to remove the other policies. The master policy for the XXXX provides " XXXX XXXX XXXX XXXX coverage, but excludes XXXX and betterments. I was unable to get any of the people to whom I spoke in their insurance department to understand that XXXX XXXX XXXX XXXX coverage covers everything that would be of interest to a mortgage company. They seemed to believe that they had an interest in " XXXX and betterments, which is of course incorrect, since those are only things added to a building after purchase. This practice of adding charges for insurance covering items the mortgage does not cover strikes me as a deceptive and illegal practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
Requested my credit report XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

We have previously filed a Complaint with the Consumer Financial Protection Bureau ( Case # XXXX ), in which we outlined how funds were stolen from our checking and savings accounts at Huntington Bank in XXXX of 2023. This morning an individual went to a branch of Huntington Bank and again fraudulently withdrew {$4000.00} from our checking account. This is despite the fact that a note was supposed to be placed on our accounts that all withdrawals should be verified with XXXX pieces of identification and also despite the fact that the individuals who withdrew the funds this morning did not have our new account number, so this number must have been provided to them by an employee at the Huntington branch. 
While we have finally received the {$1900.00} stolen from our Checking account in XXXX of this year, we have still not been reimbursed for the {$1500.00} stolen from our Savings account at the same time, and now an additional {$4000.00} has been stolen from our new checking account. We have been advised that a Huntington District Manager is looking into this matter but we have yet to hear from anyone at Huntington about how this matter will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( XXXX ) 2011 So would like to file a Dispute Please!!!
Product: Credit reporting or other personal consumer reports

This account is charged off and according to the IRS ( A " charge off '' to the IRS refers to when a lender writes off a debt as uncollectible on their books, essentially treating it as a loss, and can potentially claim a tax deduction for the amount of the debt considered worthless, according to IRS regulations, usually under Section 166 of the Internal Revenue Code ; meaning they no longer expect to recover the money owed, allowing them to deduct it from their taxable income. ) This is a violation and i am seeking statutory damages in the amount of {$1000.00} to be received by XX/XX/year> and this account removed from all credit bureaus now. this i showing INACCURATE ON MY CREDIT REPORT, THIS ACCOUNT WAS WRITTEN OFF ON THE CREDITOR BUSINESS RETURN BUT YET THEY ARE STILL SHOWING IT ON MY CREDIT REPORT. PER THE IRS A 1099-C SHOULD HAVE BEEN SENT TO ME.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX  Account numberXXXX XXXX XXXX XXXX Account numberXXXX
Product: Money transfer, virtual currency, or money service

I am writing this 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 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

We are attempting to submit a short sale with NationStar. We are given 90 days by the courts to proceeds with this short sale since NationStar wrongfully Foreclosed on the seller while she was in bankruptcy. We have submitted a XXXX party authorization to nation star and the Asset Manager XXXX XXXX, XXXX, has continually rejected our 3rd party authorization that was submitted with cause. The seller has been trying to do a short sale with NationStar for over 2 years and thy have done everything in their powers to circumvent this from happening. We need your assistance in this matter.
Product: Debt collection

I've disputed this account several times because I do not know who or what TSI/XXXX is or why they are on my credit. I've written to them asking them to verify the information, and they have not responded. They have continued to call my place of work, despite me repeatedly asking them not to, so they are now auto dialing my cell phone! Please make this nightmare end!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. XXXX  actions may also have contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts of which I have had problems with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company Discover card, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an error on their part.
Product: Credit reporting

I have disputed a fraudulent account on my credit report from XXXX XXXX. The fraudulent account is on my credit report three times, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts for the same XXXX account and XXXX has refused to removed. This is XXXX XXXX signature on the XXXX XXXX application not XXXX XXXX 's in which she admits. I have provided my signature and XXXX XXXX requested a signature from the year of the contract which is absurd. My signature is my signature and I have provided them that. I have attached a copy where I have contacted the company informing them they have the XXXX fraudulent account on my credit reports 3 times and there has not been an expedited removal. It is against FCRA to have the same account on credit reports. I have also attached my domicile in which I have continuously provided with my signature and showing that the application in which XXXX XXXX provided the information for contact is not mine it is my daughter 's address. They have stated that that I never returned any documents denying that I applied for a loan, that is because I never knew of the loan until viewing my credit reports as I have continuously stated and provided them with my address. My address was XXXX XXXX XXXX XXXX until 2007, then XXXX XXXX XXXX XXXX XXXX I was finally able to get a copy of my contract for my XXXX XXXX XXXX XXXX home showing that was my property until moving to XXXX XXXX XXXX XXXX, which is on my credit report under addresses. I am again asking for this fraudulent accounts to be removed immediately. My next action would have to be legal representation as I have exhausted all reasonable options.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


Remove these items ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX  XX/XX/XXXX
Product: Mortgage

I received a letter from Huntington National Bank, XXXX XXXX XXXX - XXXX on XX/XX/XXXX addressed to my husband XXXX XXXX XXXX and me, XXXX XXXX XXXX, stating that my husband, who passed away on XX/XX/XXXX that he asked for documentation on our Mortgage Loan, signed by Consumer Loan Servicing. was told that they didn't know, that my husband had passed away, although I presented his death certificate at a branch, advising them of his passing. 

They also included a Tax Form, stating the outstanding balance of {$25000.00} with recipient XXXX XXXX and my husband 's SS # XXXX.This loan was paid in full with {$21000.00} on XX/XX/XXXX. 

I called its Mortgage Department several times at XXXX on XX/XX/XXXX at XXXX XXXX, talking to several Representatives including Supervisors within 30 or more minutes without any resolution. I also asked to be connected to a Manager, and I was told, no Manager was available, and one would call me back today. 

Due to their dishonest behavior, I an unable to file my Taxes for XXXX when I received their notifications.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection that have randomly appeared on my credit report from a compy called credit collection service. All XXXX and XXXX do is send me back a standard answer of verified. When they fail to send me the legal documents that they use to verify this account which is unlawfully being reported on my credit report. I have never done business with this credit collection service company nor did I give them permissible purpose to report this inaccurate account on my report.
Product: Credit card or prepaid card

Today, XX/XX/2023, I tried to pay my hotel bill with my US Bank Visa debit card and it was declined even though I have enough money in my account. I called customer service for US Bank and they said they suspected fraud and transferred me to the fraud department. The fraud department left me on hold for a long time and I had no guidance from their phone system as to how long the hold was. Since I did not do anything unusual, I think the fraud tag is their fault not mine and that is why there are so many customers being transferred to fraud. I can not get this fraud tag taken off without calling them but it is impossible to talk to their fraud department. They never do anything when I email them, so I am not falling for that again.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against Transunion XXXX and [ XXXX XXXX XXXX and XXXX XXXX  as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against Affirm due to their unacceptable behavior and poor customer service. Despite my repeated attempts to resolve a payment dispute, Affirm has consistently failed to address my concerns adequately. They have closed out cases without responding and claim I am overdue on a payment that is still in dispute. 

I have informed Affirm multiple times that the issue is resolved, yet they continue to prevent me from making the payment and have marked it as late. As a result, they have disqualified me for having late payments. I always pay on time and usually in advance on my payday. If Affirm does not allow me to pay for the disputed item, my hands are tied. 

Additionally, I have faced rejection letters when checking my purchasing power due to this ongoing dispute, which I believe is unfair. Furthermore, I have been attempting to close out my Affirm card after paying off all items in XX/XX/year>, but I have not received any answers regarding what is holding up this process. 

I have warned Affirm multiple times that I would contact the CFPB due to their poor customer service, but they have not shown any concern. I request the CFPB to intervene and help resolve these issues promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX