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

Ive had a checking account with Citibank since XXXX over a decade. On XX/XX/XXXX, I logged into my account and noticed XXXX {$15.00} charges totaling {$90.00} taken from my account between XX/XX/XXXX and XX/XX/XXXX. These charges were never communicated to me clearly. 
I immediately contacted Citibank and was refunded only {$30.00}, but I had no knowledge these fees were occurring. The account had always been fee-free, and Ive maintained it carefully to avoid any penalties. 
I recently realized my mailing address hadnt been updated in their system. While that was my oversight, I was no longer living at the address they had on file when the fees began. I never received any mailed notice, and I also didnt receive any emails or other notifications alerting me to this change which I would have acted on right away. 
I believe this was an unfair and poorly communicated change to my long-standing account. I would never have knowingly kept using a fee-based account without taking action. Im respectfully requesting a full refund of the remaining {$60.00}, as I was charged without my awareness or proper notice.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in validating and verifying an account that has been erroneously reported on my credit report. I noticed an entry from XXXX XXXX on my TransUnion credit report and this entry is inaccurate and has significantly impacted my credit score. Under the FCRA, I am entitled to accurate reporting of my credit information, and XXXX XXXX, as well as TransUnion, are required to ensure the information they report is accurate and verifiable. 
XXXX XXXX XXXXXXXX XXXX : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  accounts has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Setion 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

XX/XX/XXXX I deposited my state tax refund to my mom account that Im authorized user on and its been XXXX  months they been holding the funds
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/year>. Complainant submitted a detailed dispute notice through myequifax.com regarding false and misleading payment history regarding an Navy Federal Credit Union ( " NFCU '' ) credit card account. Specifically Complainant identified a false and misleading payment rating for the month of XX/XX/year>, which was reported by XXXX as 30 days past-due. Complainant pointed out that no such payment was due in the month of XXXX due to a payment modification. Attached to complainant 's notice of dispute was an approval notice from NFCU that indicated the account had a payment deferral from XXXX XX/XX/year> through XXXX XX/XX/year>. XXXX communicated the notice of dispute and accompanying documentation to NFCU. On XXXX XX/XX/year>, XXXX returned the results of the dispute investigation, which continued to show the 30 day past-due payment rating. XXXX 's purported investigation took less than twenty-four ( 24 ) hours making it unlikely that any substantive, reasonable investigation was conducted.
Product: Credit reporting or other personal consumer reports

I REQUESTED MY CREDIT REPORT. I SAW THERE WERE TWO INQUIRIES I DID NOT AUTHORIZE OR KNEW NOTHING ABOUT. I CONTACTED TRANSUNION AND EXPLAINED IT WAS FRAID AND THEY STILL DID NOT HELP ME BY DELETING THE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX Trans Union, XXXX, and XXXX XXXX to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to XXXX or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.
Product: Credit reporting

Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out.
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 15 U.S. Code 1681s2  - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$1400.00} Original Creditor : XX/XX/XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; XX/XX/XXXX >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX WAYPOINT RESOURCE GROUP LLC # XXXXXX/XX/XXXXXXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXXXXX : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Mortgage

We receive multiple letters per week advising us that we " have yet to take advantage of programs sponsored by the Department of Veterans Affairs ; you are entitled to a payment and rate reduction through VA eligibility lending programs. '' Usually it's a refund of between $ 1,400-2,500. 

The phone number is usually an ( XXXX ) area code, but the full number typically changes. The most recent one was ( XXXX ) XXXX. There is no listed address.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666B : " A creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I just checked my credit profile today and I noticed that I had an unknown, unauthorized and fraudulent account reporting to my profile. I'm referring to an account with XXXX with account number XXXX. The open date on this account is XX/XX/2023 but I never opened an account with XXXX. Which makes this incomplete and inaccurate reporting to my consumer credit profile. This is NOT my account and I want this account to be IMMEDIATELY deleted from my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

MRS BPO , LLC on XX/XX/2021 mailed me a letter stating that I owed {$460.00} for XXXX Bank. I recall making payments to XXXX Bank and I do not believe that I owe the amount requested. I would like the debt collector to review my account with XXXX Bank to look at all credited payments.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on a account i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments on this accounts that I have included screenshots inside this complaint in on dates of XX/XX/year> XX/XX/year> Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided i demand these payments to be updated as paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Product: Credit card or prepaid card

After moving to Oklahoma I received a tax notice from the State of Kentucky stating I received {$1100.00} in unemployment wages due to COVID-19. I was unable to find my Bank of America prepaid debit card after moving so on XX/XX/2021, I began attempting to contact Bank of America in attempt to access the funds on the card. I requested they transfer the funds to my Bank of America credit card card and the Customer Service Representative said she would issue a new card and closed the account of the debit card I could not find. After closing the account, she was unable to process a new card and stated if she had not already closed the other account, she could have transferred to balance to my credit card after all. She advised me the quickest way for me to secure the funds now was to arrange a XXXX XXXX transfer at no cost to me. So, she transferred to me another department for assistance where I remained on hold for an excessively long time and eventually hung up. After multiple calls and repeatedly being placed on hold, I was finally able to speak with someone who arranged a XXXX XXXX transfer and told me within three business days someone would call me with a confirmation number. 

Not hearing from anyone, I finally called Bank of America on XX/XX/2021 and again went through the eternal hold pattern. After hanging up and calling back, I finally got ahold of a woman that informed me the transfer was made six days ago and I only had one more week to pick up the funds. After 310 minutes ( see call details below ) on the phone dealing with Bank of America, I thought it was resolved. Unfortunately, when I picked up the wire transfer, it was for only {$1000.00} ; {$100.00} short. 

I have already spent five hours and 17 minutes trying to receive the funds they could have simply transferred to my credit card ( free of charges ) account only to be shorted on the balance due to me. Subsequently, I am requesting your assistance in receiving the remaining balance of {$100.00}, plus {$270.00} ( my hourly pay rate of XXXX  ) compensation for the more than five hours trying to resolve their XXXX XXXX and not processing the entire amount as stated. Punitive damages should be included in the settlement as it is Bank of America 's dereliction duty to ensure their customers receive customer service in a reasonable timeframe and failing to have properly trained representatives. It is pure and intentional customer neglect. 

Date/Time Contact Minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 Total time on phone with Bank of America ( not including time for this complaint ) : 310 minutes.
Product: Debt collection

Americor withdrew $ XXXX as part of a debt resolution. When they decided to instruct me to open a loan, the {$3500.00} I had paid towards my debt was not returned to me. They said it was their fee to keep.
Product: Credit reporting or other personal consumer reports

Im reaching out regarding incorrect information on my credit report that needs to be addressed immediately. After reviewing my report, I noticed several discrepancies that are simply not accurate and need to be corrected right away.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX XXXX, 2016, I remitted mortgage payment on-line in the amount of {$5000.00} due XXXX XXXX. On XXXX XXXX, the loancompany CMC Funding had not posted my payment. I called in and inquired and they said they were behind with mail and processing due to XXXX holiday. I verified with my bank, that the payment was received electronically by CMC Funding on XX/XX/2016. I opened up a written complaint with CMC funding asking for verification that payment was posted and that I was not charged extra interest due to their late posting. I filed another written complaint on XXXX ticket # XXXX and still have not received a response. I called the XXXX number today, XX/XX/2016 and inquired of the status. The woman listened to part of my concern and then she hung up on me and has not called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This USAA FSB account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX & XXXX  XXXX XXXX # XXXX has violated my rights. 

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
Product: Checking or savings account

I had 3 accounts open with Bank Of America from XX/XX/XXXX-XX/XX/XXXX. All my earnings/assets ( all the money I have to my name ) is inside the account with a positive balance. A balance of {$120.00} ( estimated the cents ). I just would like to revive ALL my money that was inside the account quicker than 10 days I cant wait at long I have a wife, kids, and up paid bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are lots of things on my credit report I am not familiar with
Product: Debt collection

I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.
Product: Credit card

I purchased an online order on XX/XX/XXXX for multiple items from XXXX. The items showed up individually on my Lowes ( Synchrony ) card as they were shipped. One item in question, the patio set, charged twice. This was a charge for {$470.00}. I've repeatedly sent receipts and the online order invoice to show that this item was only ordered one time, and they continue to leave the charge on the card, saying they don't have enough information. 

I have re-disputed the charge 3 times now. They now report these disputes to the credit bureaus, which is unfair, and I want any effect of that removed.