23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I tried to add my newly approved Citi Custom Cash card onto XXXX XXXX. In fact my Citi mobile app prompted me to do so. 

This triggered a fraud alert on my Citi mobile app, which directed me to call Citi. 

I called Citi and talked to two different service representatives, who could not verify my identity. 
My code word did not work. They requested a landline number, which I do not have. Then they requested a work number, but I am a XXXX XXXX XXXX  with my own LLC. Then they asked if I have a Citi bank account, which again I do not have. I was told the only thing I could do is to wait for a letter in the mail with a reference, and I would have to call them again to verify my account. As a result I could not even sign into my online Citi account any more. 

I find Citi 's fraud alert system extremely cumbersome for the customer and does not make any sense. The method they employ is not used by any other industry peers. I have never had to jump through so many loops just to add a card to my mobile wallet. And this all before I started using my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not responded to my requests to investigate 2 incorrect items from my credit report even though I have sent them certified mail and countless e-mails. I have even copied the CEO. 

I wrote them a letter for each item and inquiries on XX/XX/21, XXXX and XX/XX/21 ( see atacged files for latest letter ) I demand the incorrect items and inquires to be removed from my report and an explanation as to why they have not responded for the last 103 days.
Product: Credit reporting or other personal consumer reports

I bought a refrigerator from Lowe 's in XXXX of XXXX. I made the huge mistake of getting a Lowe 's credit card in order to take advantage of the 5 % discount. Never again. 

The refrigerator was defective and made a sound like a bone breaking when I opened one of the doors. I paid the bill in full before the end of the month, and I waited for a couple of weeks to make sure the horrible noise wouldn't just go away with use. It did not. 

I went to the store in XX/XX/XXXX and asked them to swap it out. That put into motion the biggest ordering-delivering-accounting snarl I've ever encountered. Instead of just swapping out the refrigerator, they required me to order a second one because " they couldn't show 2 refrigerators out of inventory at the same time. '' It's hard to believe they had not encountered this situation before -- do they really always require a person to buy a 2nd refrigerator when the 1st one is defective? I ended up returning the 2nd refrigerator also, because it had a loud high-pitched whine. I ordered a 3rd refrigerator of a different brand, but before it could be delivered and the 2nd one taken away, Lowe 's called or emailed me to tell me it was not in inventory. I was completely disgusted by the whole mess and the HOURS AND HOURS I'd had to spend to try to straighten it out. I made many, many phone calls and at least 5 trips to the store. I gave up and bought a refrigerator from XXXX XXXX. I called Lowe 's and had them pick up the 2nd refrigerator on XX/XX/XXXX. After that, I DID AND DO NOT HAVE A SINGLE REFRIGERATOR FROM LOWE 'S. I also destroyed my Lowe 's credit card and will never buy anything from them again. 

The snarl was so tangled that at one point they showed I owed them for 4 refrigerators. Lowe 's told me they couldn't straighten it out and I would have to contact Synchrony Bank. 

After requiring me to spend many more hours writing, calling, and faxing letters, Synchrony investigated and decided in my favor. I received a check from Lowe 's for the amount I had paid for the 1st refrigerator in XX/XX/XXXX. It seemed the horrible ordeal of dealing with them was over. 

That, however, was not the case. After some time, Synchrony somehow forgot about their decision and started trying to collect money from me again. They again put lots of false information on my credit report. I told them on XX/XX/XXXX in a letter, which I both faxed and sent through USPS mail, that I would not contact them again ever, but if my credit report were not straightened out and all adverse events on it removed, I would contact CFPB. 

Their records and my credit report are still mangled. Synchrony has begun phoning and mailing me again. I ask for your help to end this horrible ordeal and restore my credit reporting.
Product: Mortgage

I pray you can assist me in filing a complaint against Atlantic Union Bank. I took out in XXXX, VA. I have called the bank numerous times. I have begged and pleaded with them to fix this issue. They will not assist me in getting my account amount lowered with them at all. I thought I had a fixed rate. None of my paperwork is signed that was given to me. I have read that sometimes entities will go in and add information. I thought was rate was fixed. My initial rate was 2.840 %, dated XXXX to XXXX. I could afford the payment of {$430.00}. On XX/XX/2023, I went to another branch, and got a letter stating fixed rate at 9.27 %. XX/XX/2023 that it was going up to 10.80 % and just received a letter, XXXX XXXX and its going up to 11.09 %. I am semi-retired and get social security once a month. I am working which started at 5 days, then 3 days and now 2 days. Paid bi-weekly. I AM XXXX XXXX to XXXX. I have tried, cried and pleased but they refuse. I called last week and said they could not. If changed my payment status, it would still be {$950.00}. I emailed to request all my signed documents. Please help me.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of specific accounts and inquiries listed on my credit report, which have been associated with fraudulent activity following a recent data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my report.

Fraudulent Accounts XXXX. XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX/XXXX  - Date of Inquiry : XX/XX/XXXX XXXX. XXXX/XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has allowed XXXX XXXX XXXX XXXX enter a file in my credit report. I do not know this company. They are listed as the original creditor in an attempt to be able to remain on my credit profile The debt they bought XXXX XXXX reached its past the XXXX year threshhold in XXXX  and was scheduled to come off my credit profile. I have never conducted business with XXXX XXXX XXXX XXXX. And they have not been able to provide me any paperwork from.their company.with my signature on it. I have tried to clear up this matter with TransUnion. They refuse to remove the galse information from my credit profile.
Product: Credit reporting or other personal consumer reports

Transunion has had a dispute going for over 30 days. They claim because something is in dispute they can not show me my credit report.
Product: Checking or savings account

On XX/XX/XXXX I used two separate ATMs, and both times my card did not eject from the machine and had to be manually retrieved. Both times the screen on the ATM read : " error/card not taken, account with not be charged ''. I've used these same machines several times with the same card in the past with no issues. My checking account was debited both times, each amount was {$500.00}, for a total of {$1100.00}. I never received any money. I've contacted the ATM provider, EVERI, provided the location, date, exact time, first 6 and last 4 of the card number, and amount of transactions. I was told they couldn't find anything that matched and I needed to give them my card number in it's entirety. I don't feel this is necessary, Im not comfortable giving them this information. My card issuer, cash app, has started a dispute, but tell me it could be 55 days before it's resolved. I've received a provisional credit of {$5.00} for the ATM fees and that's it. I need my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX . The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped 11 points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from transunion and XXXX. incorrect information on my credit report.
Product: Student loan

I work for the XXXX XXXX XXXX XXXX  XXXX or XXXX years ago, they offered loan forgiveness. I filed the paperwork. I sent paperwork to my employer. Mohela is not showing that I filed anything. They are also showing that I have not paid on my student loan for over XXXX  years. Which is not true. I was paying my student loan up until the covid-19 pause. In other words, according to them, even though I have worked for a government agency for over XXXX years, none of my payments have counted towards loan forgiveness. And none of the paperwork that I have filed, has been credited towards my account. Also, on their website, it will give you information about forbearance and other programs. But it will not actually let you do so.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$84.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 I sent certified letters to all XXXX XXXX XXXX agencies as well as the collection agency, XXXX XXXX, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included XXXX pages of documentation proving that I was not responsible for the unpaid bill and OPTUM acting for the XXXX XXXX specifically stated as such in this documentation. XXXX is authorized to act for the XXXX. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required XXXX  day window, perhaps because of the start of XXXX? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, XXXX and Transunion refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the XXXX. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.
Product: Checking or savings account

I have not received the official letter promised in Marcus response to complaint XXXX. I no longer live at the address used to open the fraudulent account. I suspect the official letter was mailed to the incorrect address despite the fact that I have informed Marcus of my current address on several occasions to include complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize following hard inquiries XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX ( XXXXtimes )
Product: Debt collection

It is my understanding that XXXX XXXX purchased account XXXX from XXXXXXXX XXXX on XX/XX/XXXX. They were awarded a judgment against me XX/XX/XXXX in XXXX XXXX of XXXX XXXX, XXXX XXXX I have found that XXXX has a binding arbitration agreement. XXXX XXXX has committed breach of contract and unfair and deceptive debt practices. Also the date of this loan is XX/XX/XXXX. It is well beyond the statute of limitations for debt collection. Also, I was never served. My mother was harassed, and my credit was pulled without my permission. I have went to XXXXXXXX XXXX to verify the exact date the account was closed, charged off, and the date the last payment was made but received XXXX help. I do believe a lien was placed on my property.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX 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 Experian 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, credit repair services, or other personal consumer reports

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : Sezzle Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. 

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is XXXX XXXX using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & XXXX XXXX has yet to provide such clarity. Making any loan null and void According to XXXX XXXX they received my private personal identifying information from Sezzle Inc. NEVER! Did I give Sezzle, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give XXXX XXXX my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to XXXX XXXX who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of XXXX XXXX gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

XXXX XXXX has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be Zeroed Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name. 


Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

The XXXX Credit Bureau is reporting inaccurate information on IND REC RES ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

I am writing 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 fraudulent or unauthorized transactions, I have found Zelles dispute resolution process to be inadequate and frustrating.

When I reported the issue ( s ), I expected a thorough investigation and a clear resolution in accordance with consumer protection standards. However, my experience has been the opposite. The process lacked transparency, and communication from Zelle was limited, leaving me uncertain about the status of my dispute. Additionally, Zelles refusal or inability to provide reimbursement for the unauthorized transactions has caused financial hardship and diminished trust in their platform.

I believe Zelles approach to handling disputes fails to prioritize consumers rights and protections, as outlined under regulations such as the Electronic Fund Transfer Act ( EFTA ). I am requesting the CFPB to investigate this matter further to ensure Zelle and its partner banks comply with all legal obligations to safeguard consumers from fraudulent activity and to handle disputes in a fair and timely manner.