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

On XX/XX/XXXX, I opened a savings account with Citi Bank. I gave them {$10000.00}. They immediately took my money, then closed the account. The reason is because my mailing address could not be verified as residential. There are offices on the bottom floor, where I receive mail and 11 floors of residential apartments on the top. Citibank claims this is the address for XXXX XXXX XXXX, which is actually across the street, in a different building complex. 

This is fine. However, I want my money back. They have refused to give me my {$10000.00} back since then. They asked me to sign documents. I did that in XXXX, XXXX. I never received a check. They asked me to do it again in XXXX. I did. I called them. They said they would mail a check to me by XX/XX/XXXX. They did not. Every time I call them, they don't understand the situation and get the details wrong. Their call center people are not primary English speakers and reside somewhere in XXXX XXXX. I'm having a hard time getting my money back and am in financial straits. This is very much affecting my ability to pay rent and I am being charged late fees and interest and I had to withdraw $ XXXX from my Roth IRA, which Citi will not reimburse me the fees for. This has costed me a lot of money to deal with their mistakes. 

Also, I never once received an email or mail acknowledging that I have an account with them or that they took my {$10000.00}. To this day, I have no information about account with them, although when I call them, they see that they took my {$10000.00} on XXXX XXXX, XXXX. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding XXXX handling of disputes, 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 properly. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
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 XXXX : 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 : NAME OF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The reporting of the account from POSSIBLE FINA ACCT # XXXX ON XXXX XXXX AND ACCT # XXXX ON XXXX XXXX  {$300.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit card or prepaid card

I received a text message at XXXX PST stating that I needed to make a payment on my CITI XXXX Credit Card . I called the number on my actual credit card to find that I was late a payment. I asked if CITI had put me on paperless billing against my wishes and the answer was yes. The girl went on to explain that I had somehow signed up for paperless billing and I had not. 

CITI and other companies tries to hide paperless billing buttons on the websites. If I hit one it was not intentional. 

They charged me a {$31.00} Late Fee because I did not receive a bill and did not pay that bill on time. 

These people should be in jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as XXXX XXXX XXXX has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. XXXX XXXX XXXX has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. XXXX XXXX XXXX is in violation of their subscriber agreement with all three major credit bureaus, XXXX, Equifax and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from XXXX XXXX XXXX to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by Capital One on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with Capital One, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two different financial institutions XXXX and Capital One stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle wasnt checking and reassuring that funds that were being sent so it opened the door for fraud and scamming. Also certain information was potentially leaked since there are seven banks that own Zelle, one of which Im a consumer to.
Product: Student loan

I attended XXXX  XXXX XXXX of XXXX ( XXXX ) from XXXX, and left before finishing my XXXX. I was encouraged to, and did, take out as much loan money as possible : I had XXXX XXXX  children to provide for while I was attending XXXX XXXX XXXX made me sound like I was a superstar XXXX brain when they saw my LSAT score, and offered me a half-scholarship, which covered about $ XXXX of the annual tuition. The financial aid department was very eager to get me fixed up with as much loan money as was available. They knew my husband was a XXXX XXXX, and encouraged me to keep taking out the maximum each semester. It felt like XXXX money, because I was convinced I would have a great lawyer job when I graduated. Not only did I not graduate ( I had to move to Texas for a job ), but I left with more than {$200000.00} in student loans. That was far more than the five semensters I attended would have cost. At that time, I believe Navient was still Sallie Mae, and they were handing out money so easily, with promises of low interest rate paybacks. I am also in the XXXXXXXX XXXX XXXX XXXX, and XXXX is on the list, with the XXXX XXXX XXXX XXXX. ALL of my federal loans have been XXXX because of XXXXXXXX XXXX ( and the parent company, Infinilaw ) documented misconduct in its promises of XXXX XXXX success, and great jobs after graduation, and heavy marketing toward people who are at higher risk financially, and less likely to see the success promised, or to pay back the massive loans. Sallie Mae/Navient wanted to be a top tier lender with the for-profit schools owned by XXXX, so they made it very, very easy for XXXX students to get big financial aid -- much more than was necessary. There have been multiple suits by several states ' attorneys general alleging that Navient violated consumer protection laws by engaging in unfair and deceptive servicing and collection practices and, as Sallie Mae, originating predatory subprime private student loans. The fact that Navient, when I asked for an application -- just the application for discharge of the loans -- flat refused for vague reasons, indicates the company continues to be slippery and in denial about its responsibility for bad faith practices.
Product: Credit reporting, credit repair services, 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.

The letters are stated with items and issues.

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 inform
ation 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: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postage of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions was settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation on my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Product: Checking or savings account

I filed a dispute with Chime Bank in the amount of XXXX $ for a credit not posted to my account from a refund from XXXX XXXX. I submitted countless proof that XXXX sent my refund but Chime did not credit it to my account. Chime has now denied XXXX rebuttal disputes after I have sent proof that an error did in fact occur. This needs to be fixed as XXXX can not assist because Chime refuses to post my refund credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/XXXX, I contacted Rent Recovery Solutions, LLC of XXXX, XXXX regarding the claim of an unpaid debt, stemming from my previous landlord in the amount of {$240.00}. Rent Recovery Solutions filed a collection to the credit reporting companies stating that I owed money to them to pay off the outstanding balance. However, the balance was paid in full to the leasing office and the check was cashed on XX/XX/XXXX. Rent Recovery Solutions last reported this to the credit reporting bureaus on XX/XX/XXXX, despite the account being paid in full in XX/XX/XXXX. 

I had noticed this outstanding balance on my credit report during the first week of XX/XX/XXXX and first contacted the leasing company to inquire. They reported that the balance was {$0.00} and would be contacting the debt collection service. However, they failed to do so. 

In my conversation with Rent Recovery Solutions, they claimed that I still owned the amount and said they had been sending me notices via USPS mail for several months. I confirmed my address with the company and said that I had not received any of the notices. We have lived at the same address and since moving from the leasing organization 's apartment and have not received any correspondence. I explained my frustration with the process and how because the debt collection company reported this to the bureaus, my credit score, and my wife 's credit score dropped by more than 100 points. The agent on the phone explained that she would look into and contact the leasing office. 

I again contacted the leasing office a second time, and received the ledger showing my balance of {$0.00} and the check number from when I paid off the account. I confirmed this information with the leasing office. 

I yet again contacted Rent Recovery Solutions, who said that they still needed to look into it, despite me being able to mail and email them this information. I told them I would give them one week and would be checking on this to ensure it was fixed and corrected with the credit reporting companies. The company claims that an address of " XXXX '' and not " XXXX '' was the reason the USPS was unable to deliver any of the correspondence.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my crdit report : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date XXXX
Product: Checking or savings account

Paypal Account Limitation So I was notified on about first week of XXXX that my paypal account was limited and they requested for additional documents to verify that account belongs to me. I submitted their requested and waited. After few days, I got another notification that my account to limited permanently, they did not mentioned the reason why my account was put into limitation. So I called the customer service and explained the situation and asked why my account it put into limitation and i have submitted the documents they requested and still not solved. I also asked the reason why it was put into limitation and the customer service told that they can not disclosed the reason with me and i had to wait 180 days to access my funds if there is any and my account will permanently limited and i won't be able to use paypal anymore.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX