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

REVIEW AND SUMMARY Recipient : Capital One Representatives Subject : Dispute of {$140.00} Charge from XXXX Main Points : 1. Initial Dispute : XXXX XXXX initially disputed a single {$140.00} charge from XXXX as her account had been confirmed paid off. During this period an additional charge was deducted from my account. After XXXX was promised by XXXX they took my account information out of their system ( recorded line ) 2. Error in Dispute Handling : Without XXXX knowledge, Capital One disputed several transactions totaling nearly {$900.00} 3. Evidence Provided : XXXX submitted viable evidence to Capital One, including proof of payment and the return of the disputed equipment. She also requested that Capital One review their call recordings as additional proof. 
4. Claim Declined : Capital One declined XXXX claim, withdrawing nearly {$900.00} from her account. They cited a bill from XXXX XXXX XXXX, a time when XXXX 's account had not been closed yet. 
5. Proof of Later Dates : XXXX provided proof of later dates and payments from her account, showing that the T-Mobile account was paid off and the disputed equipment was returned. 
6. Unaddressed Issue : Despite the evidence provided, Capital One has not addressed this issue satisfactorily. 
XXXX requests that Capital One re-open the dispute and refund XXXX and XXXX transactions Enclosed are copies of all relevant documents, including the proof of payment, return of equipment, and communications with Capital One and XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent a notice about an unverified bankruptcy that is reporting to my consumer report. This item MUST be verified with the " original creditor '' or so called furnisher. EQUIFAX claimed to verify the information but I have a letter from the courts stating they DO NOT verify with any consumer reporting agencies any information. Thus XXXX has willingly and knowingly reported unverified information defaming my credit standing and character hindering me from obtaining credit to sustain my living.
Product: Credit reporting, credit repair services, 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. 

Acct- XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX has violated my rights 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: Checking or savings account

I wrote a letter intended to Citibanks Billing Dispute Unit Offices. I used my citibank debit card which is also connected to my XXXX account. I use this card to pay for various beauty services. I scheduled an appointment with the merchant XXXX in hopes of doing my hair. However i was gimmicked out of XXXX which was half of my service and served as my deposit fee for the intended services. I opened a dispute on the following transaction by XXXX on XX/XX/2021 for XXXX XXXX It was closed and has resulted in an overdraft in my account. I will be attaching conversations of the merchant and I. He did not show up to allocated location. He also moved the time around multiple times. I was promised my deposit back as follows in the attachments. I requested the case be reopened. I was advised by a Citibank representative to do so. My account was overdraft as a result of the charge, which I hope will be fixed without any respecting fees. The case ID for this dispute is XXXX. I sent over documentation for the dispute on XXXX XXXX. I have repeatedly called numerous Citibank representatives and Citibank dispute representatives. No one has gotten back to me on the matter. The fraudulent charge is still placed on my account. The inconvenience has placed me in the predicament of paying for a fraudulent service twice.
Product: Credit card or prepaid card

Three months ago I received notification from Citicard that they were going to cancel my credit card because I already was making payments on another card that 's been closed. I was not late on either card. Two months ago I thought I had made an online payment to Citicard to pay my bill for the month. It did not go through somehow and when I went to check on the bill, I found it was n't paid and I called XXXX to see if they would waive the fee. They said they had already waived the fee and they could not do it. I asked them since they were closing the account anyways if they could just roll over the amount due, to the balance that I was already paying on and they said they could not and that I would have to pay two separate accounts. I was not ok with paying two separate accounts, so knowing that I would pay off the balance by XXXX XXXX, was not too concerned since the account is closed. Well Citi has not stopped calling me XXXXVERYDAY 1 - 6 times EVERYDAY!! I 'm not sure what they think they are going to gain by calling me so many times a day but this is NOT ok. No one should be harrassed by a creditor so much. And it 's not like I owe {$50000.00} or something like that. I just want the calls to stop and the opportunity to pay off the balance.
Product: Credit reporting or other personal consumer reports

On XXXX, I contacted XXXX XXXX XXXX XXXXXXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a medical debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX XXXXor an auto debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XXXX XXXX XXXX, I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.
Product: Credit reporting

XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions. have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using cells numerous of times and reporting discrepancies my financial institution and Zelle failed to informed me that recovering lost funds was impossible and tracking these infeasible. The CFPBs finding indicates that Zelle has 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. This behavior leaves me concerned about consumers safety.
Product: Credit reporting

I had a dispute with XXXX card XXXX ending in XXXX that has been resolved but my credit rating with Experian has not been updated to reflect this. I was denied a XXXX credit card on XXXX XXXX. Please update my credit rating to the excellent status that I had before this problem occurred.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to see about payment plan options that will pay the debt over time. The company advertises these types of option. I was refused. I asked to stop ach payment and they refused. I did multiple chats and each rep said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was close with santander consumer usa and they are still reporting it under XXXX  and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that santander is still reporting this information to XXXX..i included XXXX  on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by santander. The other 2 credit bereau has removed it from my credit report & XXXX  is the only account where santander is showing up for. A fair decision would be for santander to be removed from off of my XXXX  credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX  & XXXX removing the information from my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at 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 Personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX And a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX balance of $ {$1900.00} that appears related to the aforementioned personal loan account opened XXXX XXXX XXXX XXXX collection account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX that appears related to XXXX XXXX with a balance of {$420.00} Also an collection account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears to be associated with XXXX XXXX XXXX XXXX XXXX  And other accounts XXXX opened on XXXX XXXX, XXXX XXXX opened on XXXX XXXX, XXXX with a balance of {$4400.00} XXXX opened on XXXX XXXX, XXXX with a balance of {$72.00} And all Hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I have submitted information to the credit bureaus and included a notarized affidavit, ftc report etc due to all accounts that have been compromised by theft. However, they have not been abiding by the FCRA laws which they should take the proper procedures to fully investigate the theft matter. They havent assured any accuracy. They are using 3rd party data-base. In continue to report false and in-accurate information.
Product: Checking or savings account

Reported unauthorized transactions on my account the day they all happened. Chime bank has made me wait this entire month and still has no given me my provisional credit back yet. I reported the charges on XX/XX/2021. Its XX/XX/2021 and I still have not received my provisional credit. Ive called numerous times throughout the month. I have bills I have to pay and they have not helped me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions.
Product: Money transfer, virtual currency, or money service

I am a user of Google Pay, an online wallet for credit cards to make payments through apps or other online transactions. Last XXXX someone hacked into my Google account and used my Google Pay account to purchase 12 Google XXXX  phones. The fraudulent charges totaled {$11000.00}. This was done using a stored XXXX issued credit card. Once I learned about this I immediately reported it to XXXX and I filed a police report with my local police department. XXXX took almost three months to resolve the issue and I had called them many times to get the fraudulent charges removed. In the meantime, Google kept suspending my Google Pay account and I had to keep calling them to get it reinstated ( which is very difficult to do since they make it hard to find a phone number call ). Now they have suspended my account and although I have called, they still haven't reinstated it and it has been over a month.
Product: Credit card or prepaid card

I applied for citi costco visa credit card. Since i have alert placed on my credit, every time i apply for new account bank rep will verify my id talking to me on phone and verifying my personal info after which i am approved. Since i have excellent credit score i was never declined before this time. so they told me i will receive a letter in mail explaining their decision. My letter i got from citi bank says can't approve application because we could not verify the accuracy of the information. They also didn't ask me to provide any additional info. I believe this is simply unjustified because they spoke to me and verified my id. Also i have open another account with XXXX XXXX about 1 week ago and everything went fine. 
I have called citi bank 3 times about this issue and they flatly refusing to give me any reason why i am declined. Also citi bank employees should know alert placed on anybody 's credit is not justification for denied credit. Thanks for help.
Product: Credit reporting

FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 22 years as a XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. Experian and XXXX have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have considered Equifax again today around XXXX XXXX on XXXX XXXX. I spoke to two ladies from two different departments. I have tried to speak to them constantly concerning the situation that XXXX XXXX XXXX and XXXX does not report to the credit bureaus. The lady arguing with me saying they do. I sent documents certified mail last week to them and also emailed it to them, to remove all reporting from my files. XXXX said they contacted them on XXXX XXXX. Letting them know it needed to be removed from credit file. Tired of calling them. Equifax is so unorganized as a company it is a shame people have to go through the hassle to get something solved. People work there dont follow guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Product: Debt collection

I was notified of a charge on my credit from a collection agency name phonetic recovery group, I contacted them early XXXX I scan recall date, I was unable to acquire any info from them as they stated they had no information from where the collection was coming from. I received a call in XXXX regarding the collection and was notified it was from my old property who was charging me for the full lease since it was a broken lease and that the property had many failed attempts to reach me. I tried to talk to the collections agency and asked for proof of the invoice that was being collected and proof that the property had tried contacting me whether it had been through email or phone and the first lady I spoke to was very short and said she needed to place me on hold. The call was hung up and I called back and I was then speaking to a guy named XXXX, who was very argumentative after I tried asking for proof and was trying to tell him I never received any final statement from the property and he yelled at me to shut up at which point I was taken aback and still tried to explain the situation and he kept telling me shut up and stop talking and said the property is not required to reach out to you with a final notice if you broke the lease which is not what I was told prior by the leasing office when I turned my keys in. I eventually hung up because he continued to yell at me and tell me I didnt know what I was talking about. I never received any follow up information or proof of invoice or anything from either the collections agency or property. I attempted to call the property manager to inquire about why it was sent to collections before ever being sent to me because they had my email and number and knew how to get in contact with me, we had been emailing through the time leading up to me leaving. So I was left confused and with no answers. I was told the manager wasnt in and never got any call backs. I told the creditor to stop reaching out because they are extremely vulgar. And they continued to try contacting me and still provide me not information.