23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The following companies withdrew money from my savings account with Citi Bank : XX/XX/2019 XXXX XXXX Remittance  {$1400.00} XX/XX/2019 XXXX XXXX {$6800.00} and {$6500.00} XX/XX/2019 XXXX XXXX XXXX {$7200.00} XX/XX/2019 XXXX {$4200.00} All transaction were done fraudulently and I have never had combinations with any of the above Companies until I started contacting the companies to report the transactions as fraud. 

Citi Bank not once contacted me to make me aware these transaction were being processed nor did Citi Bank ever return any of my calls when we would get disconnected. the letter Citi Bank sent me gave me incorrect information on how to contact XXXX XXXX and made me contact XXXX  XXXX XXXX to get the merchants correct phone number. Citi bank did not conduct an accurate investigation on their end is making myself do the investigation for them. I am their client and been their client for over eleven years and I am appalled of their customer service and lack of disregard for their clients. I informed the bank in XXXX to not further allow any company that tried removing money from accounts and they did do their job. They allowed 5 fraudulently transactions to post on my account from 4 different companies with out properly alerting or questioning the third party. 
When the incidents first occurred a representative informed me to go to my nearest branch and close accounts I had and to reopen new accounts. I did so and had to drive to XXXX, CT on XX/XX/2019 to do so. However once I opened my new account the wire transfer occurred again and once again without any communication from the bank.
Product: Vehicle loan or lease

This account is for a vehicle that was repossessed by Wells Fargo Dealer Services in XX/XX/2016. I believe it should be included in the Wells Fargo settlement for improperly charged insurance and repossession. The information listed on all credit reports is incorrect and even after multiple disputes and requests for verification, the information remains on my report, causing financial damage. The payment history is incorrect, and the payment amount is not only incorrect ( I was overcharged ), but it should not be listed on this charged off account. This vehicle never should have been repossessed. I did not receive notice before or after the repossession. Proper steps were not taken. Wells Fargo is reporting inaccurate and inconsistent information to all three bureaus, yet it remains.
Product: Debt collection

I contacted Portfolio to verify this account that is being reported on my credit report. My first letter was dated XX/XX/2021, in which case, I requested verification in the form of any signature bearing document against this account. At the beginning of XXXX, I received a response from them touting a letter from XXXX XXXX giving them authority to collect and a couple months of standard company account statements. I then responded with a letter on the XX/XX/XXXX, asking again for some hard evidence linking me to this account. I have no knowledge and think that there was Fraud under my name. I then received another letter from Portfolio Recovery Associates saying that they weren't going to reimvestigate a dispute that had already been completed. I guess some standard account statements that can be photo chopped, clipped, and hacked is their standard for verification. I have attached my letters along with their responses.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I noticed numerous accounts that are being reported with inaccurate information that is damaging my credibility. The accounts are as follows : XXXX Account # XXXX this account was opened XX/XX/year> and is reported as 30 days late, but showing on time payment history. 
XXXX XXXX  Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX Account # : XXXX this accounts Date Opened, No.of months ( terms ), date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX Account # XXXX the account status is PAID, and should not be reporting as a collection XXXX. XXXX XXXX XXXX Account # XXXX this accounts No.of months ( terms ), date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX  Account # : XXXX this accounts Date Opened, last reported, and l date last active,, are reported with different information to all XXXX credit reporting companies XXXX XXXX  Account # : XXXX this accounts Date Opened, high credit limit, last reported, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) Account XXXX XXXX XXXX this accounts Date Opened, and l date last active, are reported with different information to all XXXX credit reporting companies and has missing information XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX  Account # : XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all 3 credit reporting companies XXXX XXXX  Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all XXXX credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please take a look at the following items : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$460.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as Equifax, XXXX and XXXX have violated my privacy right.
Product: Debt collection

I have contacted this company and asked them to validate this debt and to send me the original contract from when this account was first started, they in return sent me someones bill saying the debt has been verified! Verified by who? I do not know because I am still waiting on the contract with my signature that I originally asked for. Under the fair credit reporting act I have a right to see the contract of anything that I allegedly owe. Several times I have sent the same letter to the company, with the first date being back in XX/XX/XXXX and I still have not received what I requested. As a bill from someone ( not me ) is not validation. I dont know who opened this account but it was not me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularity 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 were unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumer 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 filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX XXXX XXXX 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: Vehicle loan or lease

I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.

Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.
Product: Bank account or service

I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. 

After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.
Product: Credit card or prepaid card

XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX, constant for 5 years ... and then ....

XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX   XX/XX/XXXX interest rate - XXXX For 5 years I had a rate of XXXX. Starting in XX/XX/XXXX XXXX XXXX started increasing my rate at 0.25 % per increase, with 6 increases in 18 months! I called and complained. They said that there was nothing that they could do. This is greedy and immoral.

3 increases in 5 months!

I have had no late or missed payments!
Product: Checking or savings account

This complaint is related to the the complaint # XXXX. 

I opened the complaint # XXXX, and the CFPB closed it based on an untruthful response from the bank. The bank claimed that they didn't recognize me as their customer, thus my complaint was unjustifiably closed. 

I am their customer and still have the account with them as of now. My phone contact is the same for my bank profile and with CFPB. I already confirmed with them the email address I submitted with CFPB is my legitimate email address. I'm attaching the screenshot of my online bank account profile to show I'm their customer and that my contact information agrees with what I provided to CFPB. 

Furthermore, their response to CFPB is not consistent with their response to me. In their letter to me on XX/XX/30, they didn't state that they didn't recognize me as their customer, but they merely didn't take responsibility for their negligence that resulted in the imposter cashed the fake check in my name, claiming their teller already checked the ID. But when I personally checked with the teller who helped with the transaction, she said she remembered that imposter and of course it wasn't me. That individual also didn't have the bank card. One of their tellers also confirmed that they weren't required to scan all the IDs. 

My time and effort spent on this matter cost me a lot more than {$800.00}, but I want to get back what is rightfully mine. It's not just monetary now, but it's also principle. Besides, the bank has become unreasonable and unethical in their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR MONTHS HAVE BEEN TRYING TO REMOVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX KEEPS TELLING ME THAT THYE HAVE SUBMITTED MY DISPUTE TO XXXX  XXXX XXXX AND TO XXXX XXXX  LINE OF CREDIT. TODAY I SPOKE WITH A MANAGER AT EQUIFAX AND SHE INFORMED ME THAT THEY DISPUTE HAS NEVER BEEN SUBMITTED TO XXXX  XXXX XXXX AND TO XXXX XXXX LINE OF CREDIT. 

I AM NOT REALLY SURE WHAT ELSE TO DO, AND NOT REALLY SURE TO WHOMI SHOULD CONTACT SO I CAN FINALLY HAVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account in XX/XX/2020 with Bank of America, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not XXXX and I dont live in the us ) on the XXXX my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to XXXX , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX for an XXXX   and I worked with a XXXX, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.
Product: Credit card or prepaid card

My credit was pulled on XX/XX/XXXX. On my credit report with XXXX and XXXX XXXX it shows as " comenitycb/wyndham '' as a charge card. They can be contacted here XXXX XXXX XXXX. For some reason it's not listed with XXXX ( thankfully ). 

When I went to the timeshare showing in XXXX XXXX, I was told to sign documents stating i would no longer come to XXXX events as i wasn't interested in them and they don't want clients to come back and use them. I have no idea why i even have this rewards line of credit when i have no interest in their resorts. 

There's also a dispute with XXXX under my name as well, for the OTHER credit card they opened without my permission.
Product: Debt collection

XXXX @ Phone : XXXX Fax : XXXX Email : XXXX is trying to collect on a debt that i owe. I sent them a message that im willing to pay at the end of this month but 3 times requested that they do not contact me at work. Just this morning i was contacted and threatened that they would come to my work.I do not like that harrasment they are causing me by calling my work, especially after i repeatedly have asked them not to.
Product: Debt collection

I have disputed and submitted documents ( Bank statements ) that prove the debt was paid and should never gone to collections.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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. The 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

Hello CFPB, I am sending this complaint to your office in hopes to resolve a credit reporting error with Trans Union. Between the months of XX/XX/XXXXand XX/XX/XXXX 2016 I sent a written dispute to Trans Union to for them to remove a collection account that was reporting by XXXX XXXX XXXX XXXX XXXX . I advise in the letter that the account reporting was an error and that collection agency have forwarded them information to delete the file from their records. After sending Trans Union my dispute letter and a letter from XXXX XXXX XXXX XXXX XXXX stating that they have instructed the credit reporting agencies to remove the account, the account still is reporting on my Trans Union Credit report. Please see below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ameriassist AR Solutions is now reporting my settlement as a Public Record to XXXX. It is my understanding that only bankruptcies are allowed to be reported as a Public Record. ( Ameriassist is doing in this addition to reporting my settlement to XXXX. ) Again, this had caused my credit score to plummet. Sadly, I had believe that by making things right with the creditor, my credit score would increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of this information on my credit report.
Product: Bank account or service

We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00}