23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my mortgage serviced by CitiMortgage Account Number XXXX was paid off in full. I refinanced with a new 15 year fixed rate FNMA mortgage which was funded on the same date. I had a remaining escrow account balance at CitiMortgage of {$2200.00} as of XX/XX/XXXX. On XX/XX/XXXX, CitiMortgage withdrew {$15.00} from the escrow account. After contacting them via email on their website, they told me via email that the deduction was for a " wire payoff fee. '' The Note I signed on XX/XX/XXXX and the Federal Truth In Lending disclosure I received on the same date clearly state that the loan had NO PREPAYMENT PENALTY. I view this {$15.00} as theft from my escrow account, as it is a de facto prepayment penalty. Despite the small amount, I want this investigated and I want the money refunded to me, as CitiMortgage has refused to do so, despite my repeated contact with them since that date. Additionally, CitiMortgage has been holding onto my escrow balance instead of refunding it to me promptly. They have stated that they do not intend to issue a check until XX/XX/XXXX, which would be 16 days after the loan was paid off. I want a full escrow account refund, including the {$15.00} they deducted for the payoff penalty, IMMEDIATELY. They have had long enough, and I have waited long enough. Thank you.
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. 

III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. 

IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344.

Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. 
RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. 
V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. 

VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. 

VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices.

VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations.

IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. 

I anticipate your prompt attention to this grave matter.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which continue to persist despite my unwavering efforts. 

I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made numerous subsequent attempts to rectify this issue by providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score, financial credibility, and overall financial well-being. These inaccuracies negatively affect my ability to secure loans, housing, employment opportunities, and other financial endeavors. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. 

I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your immediate assistace to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I have been trying to get this resolved since 2021 some funds were taken out of my account with out my access from my bank of america account the amount was {$3200.00} i also sent my military ID and my written statement and also gone to a branch of Bank of America to get my account verified, after sending all these documents nothing seem to work.
Product: Debt collection

Transworld Systems Inc. sent a collections notice for an unpaid invoice. I am trying to fully satisfy the amount owed. Their online system allows for a one-time payment option, however when trying to use that option, payment fails because " the EmailAddress field is not a valid email address. '' No where in that one-time payment process was an email even requested. I tried to call them on the only phone number listed on the notice ( XXXX ). When connected, the automated greeting does not advise that you are calling Transworld Systems Inc., just that the next available agent will be with you shortly. Once connected, an agent named XXXX was to assist me once I provided the Account Number. I did so and she simply repeated herself 3 times before terminating the call. This happened 5 more times until I called back a sixth time and spoke with another agent. When I provided the account number she advised that she was unauthorized to take any action on this account. She attempted to transfer me to someone who could assist, but was unable to connect me and provided me another number ( XXXX ). I called that number 6 times and each time was disconnected after the automated recording. I called back, was hung up on by XXXX another 3 times. Once connected to the same agent as earlier, I advised her that the number she gave me disconnected me the 6 times that I tried to call. She advised she would try to connect me with a person who could assist. After waiting on hold for 15 minutes or so, I was connected with someone to whom I voiced my concerns and was trying to help me get this issue resolved, however I was told that " a code needed to be changed '' so she could take payment on this account. She advised that she put that request in with her supervisor so that I would not have to be transferred again. Then I was disconnected again. I called the XXXX number back 4 times until I was connected with XXXX. He was able to assist me without transferring me or requiring supervisory approval. 

This runaround took the better part of an hour, all for a {$39.00} balance that I wanted to just resolve in full. I am beyond frustrated with these deceptive tactics first by not having a system that actually allows for payment to be easily made. Second by not identifying the company in the automated greeting. That made me feel like it was a scam. Third, getting the run around from the call center and not being able to assist with anything on the account and being hung up on or disconnected when I was to be " transferred '' to someone who could assist me. No consumer should be strung along for the better part of an hour just trying to pay something, being told someone couldn't help, not getting connected to the right people and continuously being disconnected.
Product: Money transfer, virtual currency, or money service

Coinbase I had XXXX worth of virtual coins. As soon as the market started going up my account was locked. Once I managed to get into my account the money was gone showing empty funds. 
I have contacted coinbase several times with no luck. 
This has been going on for over 4 months, today my virtual currency would be worth up to XXXX. 
My case number is XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute for identity theft that should have removed inaccurate information they are asking for more information that i already provided In my last dispute i send a valid license and social but received a letter that requested that same information
Product: Checking or savings account

I opened a checking account in XXXX with an account opening bonus of {$200.00}. The terms of this bonus would be to deposit and hold {$10000.00} for a specified amount of time. The bonus should have been paid out by XX/XX/XXXX, but it has not been received. The account bonus code is XXXX. I have followed up numerous times with Citibank in regards to this but have not gotten a response back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They have informed me that it is almost impossible to recover lost funds and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect 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 concern about customer safety.
Product: Debt collection

Westlake Portfolio Management has been harassing an they have placed this on my credit report and XXXX XXXX XXXX u feel did a breach of contract with me an fraud
Product: Credit card or prepaid card

I have an Apple Card & really only ever have XXXX issue with it. Every single month on or about the XXXX I get hit with a charge for {$9.00}. Its for a XXXX XXXX  subscription service that I do not have. Every month I contact Goldman Sachs and every month I have to go through & change my card, XXXX ID, password, etc. it literally takes hours & does nothing. They only block me from using my own account. Thats not a resolution, Ive asked them to block this merchant from charging my account, they wont. So every month for going on XXXX full years now, I have this reoccurring issue. I did not want to complain because I do not have any other issues. I just feel like someone at the top needs to intervene & fix this. All I want is them to block XXXX from charging me or change my card numbers so they cant charge me. Thats the only issue but I should not have to go through hours of changing everything on my account, every single month for 2 years! Why cant they fix this? They tell me they have reversed every XXXX charge on my account but, I still see some I have never given them my card number. It is fraud. Please reverse all XXXX charges & either change my account info or block them from using my account. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Debt collection

I was injured at an apartment complex in XXXX XXXX, CO and became XXXX after falling down a flight of stairs. I have disputed the validity of the debt since inception and the debt collector has ignored my repeated attempts to put a stop this harassment. 

I have attached a copy of the most recent correspondence that has been sent to the agency requesting that they cease and desist all action on this account.
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. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not overstate the frustration, XXXX, and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
Product: Checking or savings account

On XX/XX/2023 I try to depocit {$1800.00} the ATM only read {$800.00} with out asking took the money and depocit with XXXX problem it was {$1800.00} XXXX contact the phone number is on the recieved and they tell me I have to get in touch directly with the bank When I did that they did depocit {$1000.00} but in XXXX  days o so they took it away and it being doing this for 5 month
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian XXXX and XXXX disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) Experian XXXX and XXXX has 30 days to respond to my dispute. Not responding is a violation of my rights. 

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

I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado XXXX XXXX XXXX had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXX XXXX  paid off in full from Prestige Financial paid in full not showing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.
Product: Credit reporting or other personal consumer reports

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. 

[ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Product: Debt collection

I am receiving emails ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) from First National Collection Bureau Inc. which communicate need to settle debts for court awarded judgements. 
I am receiving emails entitled " Your judgment with XXXX XXXX XXXX  ( XXXX ), XXXX. remains outstanding ''. 
They report a debt with XXXX XXXX to the value of {$4100.00}. The first and last names for the addressee are correct, but the middle initial is incorrect. 
I have never had an account with XXXX. A previous account with XXXX XXXX was closed and paid in full. 
My credit reports with all three tracking organizations confirm no such outstanding account as either of these. 
I'm concerned about calling this company to challenge this situation, as I'm pretty confident I have been caught out before, and ended up paying money to cover a debt which did not exist.

I've been worried about what I saw a recommendation to contact the Federal Credit Bureau. That site pointed me towards this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANT LLC/XXXX XXXX Credit card XXXX XXXX XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XXXX : Company:XXXX XXXX XXXX Date:XX/XX/2019Company : XX/XX/XXXX Date:XX/XX/2019Company :XX/XX/ XXXX Date:XX/XX/2019 Company : XXXX XXXX XXXX XXXX   Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XX/XX/XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXXXXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.