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

Citibank closed my checking account for unknown reasons on XX/XX/2021. I received an email on XX/XX/XXXX advising me of this. I had XXXX in my account at that time and I was told that a deposit of XXXX and XXXX were invalid. That would leave XXXX in my account that Citibank owed me. I called on XX/XX/XXXX, and spoke to a XXXX who supposedly was a supervisor in the Electronic Fraud Department and she told me she was going to email the investigation depart to mail out a check to me and to call back 2 days later to verify that a check was issued. I called back 2 days later and spoke to XXXX and she said I had to wait 30-60 days for a check. I called today, XX/XX/XXXX, and XXXX said I wasnt due any money. I told her that I wanted to speak to a supervisor. I was connected with XXXX who was a supervisor in client relations and he told me that there was no supervisors in the electronic fraud department Which means that I was lied to once again. I received a letter from Citibank today saying that no funds were owed me and that as far as they are concerned the matter is closed. How can their representatives tell me that a check is in the mail and then that they owe me {$110.00} ( which I agree with ) to not owing me any money with no explanation?
Product: Credit card or prepaid card

After receiving dozens of offers from Amex, our business decided to apply for Amex Platinum with " no limit '', and we got approved. Since the begining, the process has been terrible. Initially, checking the spending power, the Amex website showed up to XXXX but the card got blocked as soon as the balance reached XXXX. Its been 2 months dealing with this for a business that is processing XXXX in sales so far in 2021, and growing. After discussing endlessly and using other cards, payments were made and neither Amex Platinum nor Blue cards are overdue. This morning, I check the spending power and it was approved for XXXX however, when I tried to pay my vendor, it got denied and I got an email from Amex that the card that has " no limit '', has a limit now of XXXX. Given current balance is at XXXX ( knowing XXXX is due XX/XX/XXXX ONLY ), now this credit card has a negative balance of XXXX per its new reduced limit. Even worse, if I make any payment from now till XX/XX/XXXX, it does not free the credit so to use for other purchases like any other normal card does. Amex is playing with our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX account # 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: 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 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises a serious concern in regards to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I pulled a copy of my credit file Reference # XXXX in which I became aware of several unauthorized inquiries. I immediately contacted XXXX, Equifax and XXXX advising them that I was a victim of fraud. I submitted an initial dispute letter, copy of the police report, victim notice from the Department of Justice and my ID/social in XXXX. Equifax did not acknowledge my request. I resubmitted the information again in XX/XX/XXXX. My second request was also ignored. I proceeded to call Equifax on XX/XX/XXXX in attempts to resolve this matter. I was told by XXXX ID XXXX that the documents were not in their system, although I had sent them at the same time as my dispute request that was acknowledged. I asked for a supervisor and XXXX placed me on hold and never came back. I called again on XX/XX/XXXX and spoke with XXXX ID XXXX who refused to assist me as well. I requested to speak with a Supervisor on 3 occasions and was told " There was nothing anyone could do for me '' and he refused to allow me to speak to a supervisor. He placed me on hold and indicated his supervisor refused to speak with me. He later hung up on me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my feelings regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the recent XXXX data breach, I attempted to place a credit freeze on XX/XX/XXXX at all 3 credit bureaus. I was able to sucessfully freeze my credit using online and phone based systems at XXXX and at XXXX. However, the Experian system is refusing all online requests to freeze credit on XX/XX/XXXX and XX/XX/XXXX. Calls to Experian on XX/XX/XXXX and XX/XX/XXXX direct all credit freeze inquiries to send in paper documents. I can not find any way to contact an Experian representative online or over the phone to discuss this issue. They appear to be deliberately making it more difficult to obtain a credit freeze and provide no way to contact anyone working at the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Convergent Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got an email scam about a delivery package delay and required information and took me to a link and I check my bank statement and they took XXXX dollars from my checking account.
Product: Debt collection

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A COLLECTION THAT DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation. 

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these two unverified accounts as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late on purpose.
Product: Credit reporting or other personal consumer reports

During an auto lease transfer, the dealership failed to send the payment to the finance company. As a result, the lender contacted me regarding the issue, and I immediately notified the dealership. Unfortunately, the dealership did not respond promptly, leading to XXXX XXXX placing an incorrect late notice on my credit report. I have repeatedly expressed my concern to the finance company and was assured that they would update the information immediately. However, despite their promises, the error has not been corrected. As of XX/XX/XXXX, I checked my credit report, and the mistake still remains. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX and closed two weeks thereafter
Product: Debt collection

I 've been paying off an auto loan off for a couple years now and the same woman is so entirely rude. Every time she sends me a letter or I talk to her in the phone she threatens me, cuts me off, talks rudely, uses a loud voice, and I always end up tearing up after I hang up because she scares me. She has no common courtesy toward someone who is working to pay off a debt and she never tried to listen. She should not be working in this field!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.
Product: Credit card or prepaid card

On XX/XX/XXXX while XXXX with the XXXX XXXX, I contacted CITI about a 30 day late notice that was reported to the credit bureaus. The 30 day late notice was reported to my credit on the month of XX/XX/XXXX ( XX/XX/XXXX ). This was during a time where I had limited internet access and could not make payments to my account. Mobilizations while XXXX are coming and I was without reliable internet for almost 2-3 months. I contacted CITI for a courtesy removal/ hardship removal of the notice from my credit report on XX/XX/XXXX. I was told by the representative that this should be approved and there should be no problems with my request. 

I called at the beginning of XXXX and found that on XX/XX/XXXX CITI had approved my claim and that it should be updated on the next statement. My statement period ended XX/XX/XXXX and the 30 day late notice was still on my account. I called XX/XX/XXXX three times and was told all of those times that the request was approved and that I would have to wait 30-45 days for it to be removed from my credit. I even spoke with a manager who requested a letter on my behalf so I could prove to my loan officer this notice would be taken off my credit report. At this point I was told by multiple people including a manager that this problem would be resolved, with one who proposed a resolution letter for me. 

I contacted CITI the very next day and was told that the request for the late notice to be deleted had been denied since XX/XX/XXXX. Even after I had received information that it was approved by multiple people. He told me that even though Im XXXX and had no access to internet and my account shows that I am under XXXX the minimum payment should have been made, which is understandable.Although, this is showing no loyalty to those overseas serving their country who run into such situations. Moreover, why was I told incorrect information, and waiting for an issue to be resolved while getting wrong information on multiple occasions. This lack of correct information is going to cost me approximately {$7000.00} in interest for a mortgage I am preparing to close on. 

I would like to see the initial promise of this notice being removed from my credit report upheld. I have also complained to the XXXX and my next step is contacting a JAG through XXXX legal if this is not resolved.
Product: Credit reporting or other personal consumer reports

MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. 
Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Product: Credit reporting or other personal consumer reports

account XXXX XXXX, account XXXX XXXX, account XXXX XXXX, account XXXX XXXX, account XXXX XXXX XXXX, account XXXX XXXX XXXX, account 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 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: Checking or savings account

Unauthorized withdrawal via check that caused overdrawn fee. Brought account current and requested to close. Tried to add additional funds to account because they stated they couldn't close the account because of the transaction that brought it current to close it and another institution didn't cancel their transaction despite me deleting my bank account from their site. Additional funds failed to add for unknown reason. New posted transactions brought {$0.00} account negative continuing to prevent closure. All this because a company sent in a phony looking check with no actual signature on it and the bank couldn't close my account when I asked them to and started charging up fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts with Capital One and I sent my payments on time every time with automated payments. For some reason they moved the payment from this account to the other account. So, there were two payments made on the other account and none on this one. When i called and complained they fixed the issue in the next month after i received a notification and though they told me on the phone that they would remove teh late notification, they never did. I want Capital one to check both accounts and verify what happened and then correct the error in reporting.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made my monthly auto loan payment over the phone with a Wells Fargo representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX XXXX monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by Wells Fargo investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/year>, monthly payment. 
As a direct result of Wells Fargo 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on XXXX, 30days late on XXXX, and 30days by {$89.00} on XXXX. These reporting are very inaccurate and inconsistent.
Product: Credit reporting

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX 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