23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting a

ct 15 USC 1681.I have the right to privacy. Also according to 15 USC 6802, No financial institution is suppose to share information to third party people. These are clear violations of my federally protected rights.
Product: Credit card

On XX/XX/XXXX I scheduled a payment of {$3100.00} for XX/XX/XXXX to pay my Citicard balance in full and received an automatic confirmation from Citi. On XX/XX/XXXX I received a notice from Citi that I had overpaid what I owed and that they were reducing the amount to be deducted from my checking account from {$3100.00} to {$1100.00}. On XX/XX/XXXX, my checking account showed XXXX withdrawals by Citi Bank for BOTH {$3100.00} AND {$1100.00}. I called Citi Bank and ( AFTER XXXX MINUTES WORKING MY WAY THROUGH THE CALL PROCESS ) I finally got a live representative. The representative tried to blame me for making XXXX payments. Then after reviewing the messages I got from Citi Bank, the rep finally acknowledged there was a problem on Citi Bank 's part. The representative had no explanation for what happened. Instead, processed a (? request, complaint? ) # XXXX. He said that once the complaint is processed, refund would take XXXX to XXXX business days. So I asked, " you mean XXXX or XXXX weeks or more? '' And he said yes. Citi Bank grabs {$1100.00} from my account that they are not entitled to, and which I did not authorize, and is going to wait weeks to refund my money. THIS WAS NOT MY FAULT AND CITI IS STILL HANGING ON TO MONEY THEY ARE NOT ENTITLED TO. THIS IS THEFT. Plain old theft. I WANT THE {$1100.00} REFUNDED IMMEDIATELY. I should not have to wait while they drag their feet figuring out what they did wrong.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 removing 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. 
Please delete the following accounts. 

XXXX 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: Mortgage

We have the property for sale with an agency, The XXXX XXXX XXXXXXXX in Florida since XXXX. Previously it was with XXXX XXXX XXXX from XX/XX/XXXX to XXXX have had many sale contracts that all get cancelled because the property does not pass inspection. It is now listed cash only, As XXXX, short sale. Up until XX/XX/XXXX, we had someone keeping up with landscape and keeping inside house clean for visits. Then the lender mortgage company, without warning, changed all the locks, broke the side window door and put up some plywood to quick fix. Rain in Florida infiltrated and caused water damage inside house. 
With every sales contract, there is an inspection and appraisal. The lender had these done but won't forward the results to our agent. The last sales contract could not get an appraiser and while revisiting house, noticed all the water damage around the broken window door and cancelled sale. 
Our agent signed another sale contract with closing date set for XXXX XXXX. 
The lender said that if the buyer doesn't have all needed for XXXX AND we have to sign a promissory note of {$17000.00}, the property goes to foreclosure. 
At the moment, it is very difficult to get an XXXX. There is a big difference between their appraisal and ours.
Product: Checking or savings account

Hi, I sincerely ask regulators to start assessing multiple regular heavy fines against this TD Bank for fraud against customers. This bank is worst than XXXX XXXX after discovery of fraud activities and practices of this bank. 

What happened? I called in, ask to dispute a charge, the call attandent redirected the conversation to a never ending series of verification questions. Hangs up on me, then locks my account. On re-call in by me, account can not be assess. Effectively no help and do not call impression, nothing gets done, alot of redirections and entrapping you to non-service and locking delays. 

This is repetitive and causing harm to consumers needing help with their account usage. 
I ask your regulatory agency to assess regular and multiple heavy public fines so all consumers are made aware of no-protection for consumers and effectively a fraud bank and should be remove from doing business in the US and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report, I sent a letter to Experian on XX/XX/XXXX asking them to Reinvestigate these accounts. * ( XXXX ) XXXX XXXX XXXX, ( XXXX ) * XXXX XXXX XXXX XXXX, ( XXXX ) *XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same. And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, If, After any Reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( I ) promptly delete that item of information from the file of the consumer, or modify that item ( s ) of information, as appropriate, based on the results of the Reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if... ( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact INACCURATE
Product: Debt collection

Radius Global Solutions, is carrying a debt from XXXX XXXX that should have been paid by my insurance company. Radius Global Solutions LLC has NOT provided an address of the original creditor nor have they responded to my return letter disputing the debt. LLC 's are not recognized by Federal Law, and I am wondering why this company is attempting to act on debt collection in accordance with federal Law. I need them to relinquish the debt as it was not theirs in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written Instructions.
Product: Credit reporting or other personal consumer reports

This is not a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In accordance with the Fair Credit Reporting Act XXXX, these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

When the XX/XX/2022 payment was missed, Discover, against their own company policy and industry norms, failed to call me on the contact number on file or mail me hard-copy late notices to the physical contact address on file. 

Further, Discover lied and said that they did call me, even specifying dates, times, and phone numbers. Call logs on the various phone numbers show that no calls were made. 

Discover also lied about mailing hard-copy late notices. USPS Informed Delivery emails ( where hard-copy mail is scanned and sent to addressee in a daily email ) provide that no hard-copy late notices were mailed. NOTE : The XXXX bill was received. 

Discover 's website is also confusing ( see detailed remarks ) whereupon the place to verfiy email address was not properly labeled with its account number ( I have two accounts ). 

Lastly, Discover does not permit a client to set up automatic payments upon account opening or upon card receipt. Rather, client must wait for a balance due ( by which time, 4 months later, I personally forgot ).
Product: Checking or savings account

On XXXX I opened a checking and saving account in Chase.I. have used that account since then without problem. Now I lived in XXXX and use that Account through the CHASE web Portal. Mainly I used the account for pay same subscriptions like XXXX XXXX, some XXXX purchases, vacations and last months to buy some stocks as savings for my future. 

On XXXX, Tuesday XXXX, XXXX I did {$170.00} transfer to a friend in USA. On XXXX, Tuesday XXXX, XXXX CHASE Blocked the access to my Account due suspicious activity. 
During the day I did more than 10 phone calls and spoken with many call takers as well as supervisors. They tried to authenticate me through the cellular number I had registered on my account ( XXXX XXXX XXXX XXXX ) but that was not possible because I had a XXXX  cellular number. CHASE ask me lot of security questions like my account number, debit card number, date of birth, Debit Card expiration date, and even the ATM PIN. I answered all question correctly, but always they told me they need to authenticate me through a USA Cell number, so the only choice they provide me, was me to go to a branch. I explained that choice is not feasible for me as I live in XXXX, however they insisted that is the only choice. Later I get a USA Cell Number and changed my number in my CHASE records requesting the CHASE call center to perform this action, they did. The Phone number was changed by CHASE call taker, then I started my marathon of calls to CHASE Call Center Numbers, and requested the same, unlock my account. The CHASEs answer was the same. " You have to go to a Branch ''. They do not have another choice to authenticate me. 

The big problem, from my point of view is they arbitrarily seized my money and they are economically hurting me as I can not use my money, and now I needed it. 

I'm really desperate and I do not what else can I do. Honestly I guess this is absolutely illegal as they also have my email if they want to authenticate me. The use of the email is absolutely correct and I can probe they actually use that method. 

The probe is : when you get into the CHASE webpage page and the CHASE web page does not recognize the device you are using to get into, the web page offer you to sent you and authentication code to your registered phone number or email. Many times I have chose the email option as well the phone call options, both has been worked fine, which demonstrate what they said ( they can not use international phone numbers or mail ) is a lie. 

I will really appreciate your help, I'm desperate, and is ridiculous to travel from XXXX to USA just to probe that I'm me. 

The human is exploring the space, we have learning machine, quantic computers and the CHASE can not authenticate a person. 

Please help me, I really need your help. I have all the information to probe that I ' me, so CHASE can unlock my account. 

XXXX XXXX XXXX XXXX  social ID XXXX Cell XXXX XXXX XXXX XXXX eMail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON XXXX XXXX XXXX XXXX - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

[ 1 ] I am member of XXXX for XXXX some years, i buy, pay payment on time, never paid late charges, our agreement, pay minimum of balance as shown on monthly installment bill, paperless, online, bill in email, recordedly, reportedly, it's a very good record, very good reference, Equifax Credit Information Service : didn't, won't, give a single point

or a penny of credit for that? despite of chronic complaints to Equifax... [ 2 ] i have XXXX  years of utility bill paid on time, n
ever paid late charge, that's a darn good credit long history..but Equifax won't listen to my complaits, to correct their files, that hurts me badly [ 3 ] i have auto pay from checking account, plan with landlord/ rent paid on first of month, never late, or late fee? Don't u think it's a good record since i was XXXX  untill concurrent, i'm XXXX now.. such good/ long history is not good enough for Equifax?
Product: Credit card or prepaid card

I have the Citi card for Costco. Costco sold me on getting the credit card because Citi is supposed to extend the manufactures warranty 24 months if the item was purchased at Costco. I purchased an XXXX XXXX waterproof camera XX/XX/XXXX for {$410.00}. While on vacation XX/XX/XXXX I took the camera on it's 2nd snorkel trip in water 3-4ft deep. The camera took pictures just fine but as we were leaving I noticed the screen looked foggy and water had slowly leaked in. The camera had leaked, destroying the camera. This is my 4th water camera so I am very familiar with making sure the seals are clean etc. It was the 2nd time I used the camera in water so it was evident it was a manufacturers defect. I called XXXX and they said they would cover it had it been within the 1 year period, since what I described was clearly the camera having a defect since it is supposed to be waterproof. I contacted Costco and they told me I was under the Citi warranty. I filed a claim with Citi and they have been beyond difficult about paying my claim. My claim was denied the 1st time because they claimed Costco Concierge service should cover my warranty. Well Costco doesn't cover cameras under that warranty. I would think Citi would know this since they partnered with Costco for this credit card, so I felt like I was getting the run around. They reopened my claim and denied it the 2nd time stating the camera got wet so it isn't covered. I explained to them again IT IS A WATERPROOF CAMERA. They opened my claim again and denied it a 3rd time stating again the camera isn't covered because it got wet. I explained to them again like I had since the very beginning of my claim that the camera is waterproof and I have contacted XXXX and they stated it is in fact covered under their 1 year warranty. XXXX said if salt water got in the camera they would just replace it for me because a repair would cost more than the camera. I explained all of this again the the Citi rep. Keep in mind they play dumb each time and act like they didn't know it was a waterproof camera etc, much like they played dumb they didn't know Costco doesn't have an extended warranty on cameras. The Citi rep told me if I could get XXXX to put in an email they they would cover it under the 1 year warranty he thought Citi would cover it. That was about 2 weeks ago and I haven't heard back. I had Costco Concierge services call Citi on Friday XX/XX/XXXX and they again said they are denying my claim. I have a valid claim that I opened with them in mid XX/XX/XXXX. I feel like I have gotten nothing but the run around in the hopes that I will give up and they get out of paying. The entire reason I got the Citi card was because Costco spoke so highly of it and how it extends warranties. I believe they are denying me a completely valid claim so this is why I am reporting it. My Citi claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes and complaints about 4 collection accounts being on my credit report that do not belong to me from XXXX on XX/XX/XXXX. In response Equifax claimed to have removed the accounts from my report and they deleted all but one of them. I called to let them know and ask why they still had one on my report and was told I would have to file another dispute.
Product: Credit reporting or other personal consumer reports

I am writing to address concerns about Equifax 's improper handling of a disputed account on my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX  account was previously deleted on XX/XX/XXXX, but was reinserted on XX/XX/XXXX, without the legally required notification or evidence. This action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates notification within five days of reinserted information. 

Despite other credit bureaus, including XXXX and XXXX, having removed this account, Equifax continues to report it without providing sufficient verification. I have not been provided with any proof or documentation to validate the debt, nor a description of the investigation methods used. This raises concerns about whether Equifax conducted a reasonable and thorough investigation as required under FCRA Section 623.

To address this issue, I have filed a formal complaint with the Federal Trade Commission ( FTC ), citing the failure to adhere to FCRA guidelines and the reinsertion of disputed information without proper verification or notification. 

I request the immediate removal of this account from my credit report and a detailed explanation of the procedures and records used in your investigation. Without adequate verification, the account must be permanently deleted and blocked from being re-reported. 

Attached are the following documents for your review : Proof of the previous deletion by Equifax and the subsequent reinsertion. 
Proof of deletion from XXXX and XXXX. 
Proof of previous CFPB complaint resulting in the removal of the account from my credit A copy of my FTC complaint regarding this account. 
Proof of address, my Social Security card, my ID, and previous correspondence with Equifax regarding this matter.
Product: Mortgage

My mother and I applied for a mortgage through XXXX XXXX. I was informed by the underwriter my mother and I passed desktop underwriting. I was asked to pay a {$600.00} appraisal fee. I was told after I paid the appraisal fee my mortgage could not be processed due to my student loan debt. XXXX XXXX would not refund me the money for the appraisal fee. 
I was referred to Jersey mortgage by friend and he had no problem approving my mother and myself for a mortgage because we both had XXXX credit scores with a lot of debt. We purchased a home for {$400000.00}. At the time my mother and I had over {$100000.00} in credit card bills and student debts. The mortgage broker said this would not be a problem. Shortly after I closed on my house I lost my job I asked the mortgage broker if there was anyway we could unwind the loan due to the significant drop of income. I was told I was on able to do that I could refinance later on down the road. This put a lot of stress on my mother and my husband and my husband ended up punching me in my face during this whole process and running up my credit cards to support our children. The mortgage broker did not exercise good judgment skills when he issued this mortgage. My mother and I are not mortgage analyst and we trusted that we will be able to afford the house. Im respectfully requesting a thorough investigation on how he mortgage of this amount was approved but the amount of student debt I have not yet to repay. I have done a little research and I know that mine and my mother situation does not conform to FHA guidelines.