23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I obtained a Citi Diamond Preferred credit card and requested a balance transfer to XXXX XXXX XXXX company to pay off a loan. On XX/XX/year> I reviewed my Citi Card statement and noticed that the money was incorrectly sent to XXXX XXXX XXXX XXXX. Also on XX/XX/year> I called Citi Diamond Preferred credit card and spoke to XXXX and XXXX XXXX and explained to them that the money was dispersed to the wrong company. XXXX stated that the transaction was already complete and they could not do anything about getting the money back and sent to the correct company. XXXX stated that she could start an investigation regarding this issue, which was started that day. I asked for the specific information of XXXX XXXX XXXX XXXX including the phone number and the address. Citi would not give me a transaction number or any other information. This is a serious mistake and there needs to be something done immediately. Now my Citi credit card has that balance transfer amount on my statement and XXXX XXXX XXXX did not receive the money which was meant to be paid off. I need a transaction number of my balance transfer. Citi card should be able to contact XXXX XXXX XXXX XXXX to get the money refunded since it was not authorized. Please help with this situation. Thank you very much.
Product: Credit reporting or other personal consumer reports

Per our last discussion, you openly admitted that on XX/XX/XXXX my account was charged off due to non-payment with a balance of {$1000.00}. This means that you have filed either both or XXXX XXXX & XXXX as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any XXXX 's that were filed on my behalf as per the IRS regulations Publication XXXX ( XXXX ) including under Statements to Debtors. I would like a certified copy of the XXXX 's filed on this account. 
Per 15 U.S. Code XXXX, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received XXXX. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of XXXX '' and the account has not been removed from the reports.
Product: Checking or savings account

I signed up for Albert on XXXX where I then signed up for Albert XXXX for the year. This service cost {$66.00} for the year and would grant me cashback offers if I have a direct deposit. There were no limits on what I could spend on to get my cashback. For the past 6 months, I have regularly been going to stores, activating cashback for that store, and buying a gift card from that store. That worked flawlessly up until XXXX XXXX  I had visited XXXX, activated my cashback offer at XXXX, and bought {$50.00} of gift cards. I should have received 10 % of that, or {$5.00}, within seconds of my purchase. However, I did not receive any cashback. I texted support later than day and they said to wait for the transaction to settle and you will get the cashback. The cashback still hadn't posted by today XX/XX/XXXX so I messaged support. Support said that they no longer offer cashback on gift cards. There was no mention of this anywhere in the terms, and I was able to get cashback on gift cards on XX/XX/XXXX. This policy change was never described to me, and results in a significant negative impact on my use of Albert. I have practically no use anymore for Albert and would like my {$5.00} cashback and a refund on my Albert subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX sent certified letters via my Attorney to Transunion. per the court documents Transunion refuses to delete the XXXX XXXX  record
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from Ally Financial on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. 
I never contacted or requested this and it is fraudulent and unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 XXXX  XXXX removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to XXXX  XXXX in XXXX. When there are damages done, remedy is to follow pursuant to XXXX XXXX XXXX for civil liability, which XXXX  XXXX is accountable for. XXXX  XXXX may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to XXXX  XXXX to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law.

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

XXXX  LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX  Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit card

Goldman Sachs closed my card and didn't refund my money for a purchase I tried to return.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an email from loan at last stating that I had been approved for a {$1000.00} loan to be disbursed into my account on the next business day which would have been XX/XX/XXXX. I called The company and told the woman I spoke to that this was fraud and identity theft, I had not applied for a loan through them and that the bank account last 4 that was listed was not my bank account. This woman allegedly talked to her supervisor and then put me on a 3 way call with a man that allegedly worked for XXXX XXXX XXXX Texas. The man on the Phone stated he could not find the account. The woman from loan at last stated they take fraud seriously and they would not disburse those funds. I have since made an identity theft report with the FTC and a report with the XXXX County sheriff 's office. The deputy from the sheriff 's office encouraged me to get back in touch with loan at last and ask them what the last 4 of the SSN was that was used to apply for the loan as well as an address and a phone number. So far I have had no luck getting that from them to add to my criminal complaint.
Product: Student loan

My payments are over {$600.00} a month with Citibank, and over {$200.00} with my federal loan. I have struggled making these payments for years. Because of the interest amount my student loan continues to grow higher instead of getting lower. My original student loan amount has more than doubled. I refinanced my XXXX XXXX private loan with Citibank and they sold it back to XXXX. I have been told numerous times that I am not eligible for any help. I was forced to resign from my position to do health complications concerning my back and have made an effort to contact XXXX several times to explain my circumstances and was told they can do nothing to help. I am now three months behind on my payments and am accruing ridiculous late fees and constant phone calls It is not possible to pay my mortgage, car insurance, utilities, buy groceries and pay back my student loans. Even when I was working full time with a XXXX XXXX I could not afford my payments but made them living from paycheck to paycheck. My payments are over {$1000.00}.
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 adequently. They informed me that recovering lost funds was impossible and tracking these funds was unfeasible. The CFPB 's findings indicate Zelle has not only neglected to protect customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX LexisNexis sent me a letter stating that they could not verify my Identity or documentation could not be verified. I have submitted paperwork to Lexus Nexus several times and provided my social security card, driver 's license, and supporting documentation. LexisNexis State the information documentation was not legible. I will resubmit documents driver 's license, social Security card, Court judgment order vacating fraudulent bankruptcy, FTC identity theft report, police report. I will resubmit documents through this cfbp complaint portal making sure that documents will be received and process efficiently to LexisNexis. The following items should be removed fraudulent bankruptcies listed in the vacate order, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My account has been blocked. I did not receive a phone call or email stating the change. I called to speak with the Supervisor XXXX ( employee number XXXX ) and he was not willing to assist me. They have caused me a lot of trouble within the last couple of months. I recently had to move out of my home because they did not send my card when they said they would. I literally waited 28 days for a new card. I could not afford the late fee with my home rental company. The manager or supervisor will not assist me or compensate me. The company is card.com. This company is really a scam. I am without a phone and gas right now because of this company and XXXX will not transfer me to a manager. They always say that a manager will contact me back and I have yet to receive a phone call from the manager. I have been told that since my account was blocked, my direct deposit was returned to the sender, which the last time, my direct deposit was placed in my account and I did not have access to it. Please help as soon as possible.
Product: Credit reporting or other personal consumer reports

Address XXXXXXXX XXXX XXXX  needs to be removed from report No knowledge of these accounts XXXX XXXX closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires I did not consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've had reoccurring issues of not having access to cash from PNC bank. I've been told they couldn't fill a $ XXXX cash withdrawal which is absurd. Most recently on XX/XX/2021, I needed $ XXXX cash withdrawal when that account had over twice that " available ''. The branch said they cant fill that order, they didn't have enough cash .... in discussions with the bank manager there they had something like $ XXXX cash on hand and thus didn't think they could give me " so much '' of it. I dont know how that is even legal for them to refuse access to funds. I told them it's not acceptable to deny the cash and I need a resolution the same day ( was buying a car ). I had to drive 40 mins from home to a branch that had cash for me...
Product: Mortgage

I AM A SUCCESSOR IN INTEREST. 
XXXX XXXX, XXXX, the CFPB issued Bulletin XXXX, ( see attached ) which subject was the Implementation of Guidance for Certain Servicing Rules. 
It specifically speaks about, POLICIES AND PROCEDURES REGARDING SUCCESSORS IN INTEREST TO THE PROPERTY OF A DECEASED BORROWER. 
I AM A SUCCESSOR IN INTEREST. 

As well I am the OWNER, by RIGHT OF SURVIVORSHIP of the property being foreclosed by Specialize Loan Servicing, LLC. 

Since the death of my mother in XXXX of XXXX I 've been working to try to get Specialized Loan Servicing to send me a request for Mortgage Assistance Package as they said they would. On more than several occasions they said they would send the package to me and said many times that the package was in the mail and I never received anything from Specialized Loan Servicing. And in XXXX of XXXX they started to foreclose on my house. 

My mother and I owned the property as Joint Tenants ; when she passed away I became the sole owner with Right of Survivorship. I 've tried to tell Specialized Loan Servicing this over and over, but they say I need to go to Probate and I 've been told by XXXX attorneys that I do n't because I own the property by Right of Survivorship. 

Please see the attached the recorded Grant Deed. My mother and sister having deeded back to me in XXXX. Please see the attached the recorded Affidavit Death of Joint Tenant I tried to convey this to specialized loan servicing several times, I 've sent them the deed to the house three ( 3 ) times showing my ownership. I 've had to send it three ( 3 ) times because every time I call I get some when different, who is asking me for the same documentation over and over again. Then after several attempts specialized loan servicing told me that because I was not on the loan they could not send me any information. But I 've told them I do n't want information about the loan because my mother is dead and that I just want to work this out with them, so that I can sell the house and have time to relocate, because I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. 

I have a real estate agent who has had the property on the market since XXXX XXXX of XXXX. The house needs a lot of work ; I have had multiple offers for the purchase of the house and have actually accepted XXXX, but Specialized Loan Servicing is not sending me the necessary Request for Mortgage Assistance form, as they said they would for me to submit for the sale of the house. 

AS A SUCCESSOR IN INTEREST and OWNER, by RIGHT OF SURVIVORSHIP, I want Specialized Loan Servicing to send me a request for mortgage assistance package as they have said they would, and I just want to work this out with specialized loan servicing, so that I can sell the house and have time to relocate. I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. My real estate agent has gotten me a good offer from a Buyer. I just want to sell the house so that we are not put in the street.
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/year> THROUGH CFPB, TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.

15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT- AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Credit card or prepaid card

I upgraded my XXXX XXXX card in XX/XX/2018 and was told by the agent who did the upgrade my anniversary date would not change. It turned the agent was giving me the wrong information in order to upgrade the account. XXXX   changed my anniversary date from XX/XX/XXXX to XX/XX/XXXX without my consent! XXXX has the recording of the agent who was misled me.
Product: Money transfer, virtual currency, or money service

I first met with a Chase banking agent and explained that I had experienced a scam. I gave him a spreadsheet of the list of money mules whom I was instructed to send funding to in order to recover my initial monetary losses. 

The banking agent was sympathetic to my story and kept the spreadsheet of money mules, most of whom were customers of the same bank. But after checking with his XXXX I was told to contact the Fraud division of the Bank by calling a number that was given to me ( XXXX ) XXXX. 

I spoke to the first agent, described what had happened to me ( like I did with the bank agent ) and was told to speak to another department. After I spoke to that agent and went through the same story, I was told to speak to yet another agent. 

The third and final agent said that they could only help if my account had been compromised by an outsider. She could not assist me at all.
Product: Credit reporting or other personal consumer reports

I am writing in response to your letter regarding my dispute over the inaccurate late payment reporting on my credit reports for the account referenced below. 
Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Disputed Late Payment Information : XXXX. XXXX : Reported late payment for XX/XX/year>. 
XXXX. Equifax : Reported late payment for XX/XX/year>. 
This account was in fact Paid on Time during the disputed periods. I am requesting an immediate correction to the inaccurate 30-day late payment entries to reflect the accurate status of Paid on Time.
Product: Checking or savings account

On XX/XX/XXXX I realized that I am not able to access my HSBC mobile app. I called the bank hotline number. The bank representative told me that it is a bank misunderstanding and that he fixed everything. On XX/XX/XXXX I tried to log in to check my account balances but I got a message saying " user suspended ''. I called the bank again. They couldn't explain the reason but said that I didn't provide some information. I ask what information they are referring to. They couldn't answer but said that they will escalate the issue. 

I find it unacceptable and illegal for a bank to block access to my accounts without any justification. I haven't done any transactions. I am just keeping my money on CD accounts. 

Please make sure that the bank does not block my accounts anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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: Debt collection

On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX