23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

made a balance transfer of {$7000.00} from citibank to pay for XXXX XXXX XXXX transaction was confirmed by citibank that they transferred the money to XXXX XXXX on XX/XX/XXXX, XXXX but the money was never credited on my XXXX account. i made the balance transfer via citibank app online using my cellphone. when i called citibank to verify the account number from XXXX, they said they have a different last XXXX of the account from XXXX XXXX. i made calls and correction multiple times but they also insisted that they have already transferred the money to XXXX XXXX. i called XXXX XXXX but they said they can not provide any solution to the problem because it was citibank 's fault. this has been going on for months. citibank already charged me for {$7000.00}, a money i do not owe citibank coz i didnt received any money/payment for my XXXX credit card. i can no longer count how many times i called citibank to just cancel the bank transfer but they declined. they said they can not retract a money that is already sent. few days ago, a citibank account manager set a conference call with XXXX XXXX  during the conversation, XXXX XXXX stated they did not received any money from citibank for my credit card in XXXX XXXX citibank kept on telling me and the XXXX XXXX representative that they have customer id number and trace id number. citibank also requested XXXX XXXX to conduct and investigation where the money go. but XXXX XXXX refused to conduct and investigation and refused to take the customer id and trace id number. i dont know what to do anymore with this situation. citibank refusing to remove the {$7000.00} that they charged me and XXXX XXXX is refusing to conduct an investigation re this matter. please help me.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
CREDIT ACCEPTANCE XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

XXXX XXXX XXXX XXXXXXXX XXXX aka XXXX ) XXXX XXXX ( Personal Cards showing on Credit Report )
Product: Consumer Loan

Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how Experian violated my rights
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/year> ( XXXX XXXX, Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaints warrants a proper investigation, not dismissal.
Product: Credit reporting or other personal consumer reports

I signed up for a XXXX account which was supposed to provide me with what I thought was a {$30000.00} line of credit. I never received the funds and were mistaken so I requested that the account be closed back to inception, I am also unable to get a refund for the payments made. However, this company as XXXX XXXX is reporting different payment information across the XXXX major credit bureaus and I have done several disputes asking them to remove the negative payment history from my credit report. They are reporting XXXX late payments to XXXX, XXXX late payments on transunion and  1late payments on XXXX. I am asking that this account be removed from my credit report as they are in direct violation of the FRCA as Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. I am asking that this account please be removed from my credit report. The same source should not be reporting different information across the credit bureaus.
Product: Debt collection

I received a letter from Commonwealth Financial Systems dated XXXX XXXX XXXX. The letter stated that I had 30 days to dispute the validity of the debt. On XXXX XXXX, Commonwealth Financial Systems reported several accounts on my credit file. Commonwealth Financial Systems violated their terms of agreement for a 30 day response by reporting to the credit bureaus ' prematurely. The last day of response would have been XXXX. I have attached files for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me to Chexsystems for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from Chexsystems. Remove me from Chexsystems.
Product: Vehicle loan or lease

I am reporting ALLY financial. I have sent numerous emails and online chats requiring a supervisor to reach out to me and have been denied each time. These attempts were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. There were also many failed phone calls with horrible representatives who promised I would get return calls but never did. No one has took the time to look over my account and correct it. I have never had 25 late payments as they report to the credit bureau. I have paid extra payments on my account that have not been applied correctly and still overcharged late fees and past due ammounts which affect my credit. I can not get anyone to correct this so I can apply for a mortgage. Please help me get someone to look into this account for me.
Product: Checking or savings account

About 2 years ago on XX/XX/year>, a checking account was opened in my name that I had no knowledge of whatsoever. It took me a while to catch on to anything that was going on because I was moving around quite a bit and I changed my number so no one was able to get in contact with me until one day I received something in the mail in regards to accounts being closed in my name due to fraudulent account purging as in someone had been trying to deposit checks into the account but was not able to do so. So, I was told to call the early warning Services by the bank so that I could receive a consumer report to view and dispute the actions that I did not recognize. Without getting this disputed I am unable to open any other account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 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.

According to 15 U.S.C 1681s2 ( 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 accurate.
Product: Student loan

On XX/XX/XXXX  an EdFinancial representative applied for a Term Base plan to reduce my monthly payments. I have been calling customer service for the last two days on hold for over two hours and then being disconnected trying to find out if Ive been approved for a lower payment plan.
Product: Debt collection

ON XX/XX/XXXX 2 DUPICATE MEDICAL COLLECTIONS POP ON MY CREDIT REPORT AND I GET ALERTED ABOUT A CHANGE ON MY CREDIT REPORT SO I INVESTGATE. MY SCORES DROPPED ALMOST 200 POINTS IN A SHORT TIME.. I CALL DEPT RECOVERY SOLUTIONS IN NEW YORK, THEY SAY THERES NOTHING. WAIT HOLD FOR A MIN THEN THEY HANG UP .I CALL AGAIN AND SAME GUY I TALK TO .I TELL HIM WE GOT DISCONNECTED. AND HE LIES AND SAYS WASNT HIM LOL. I M NOT DEAF CLEARLY SAME GUY AND SAME JOKING I HEARD IN BACK GROUND. SO HE SAY HOLD ON AND CLICK HANGS UP. I CALL FOR THE 3RD TIME AND SAME GUY. AND SAYS THERES NOTHING IN SYSTEM MR XXXX. I SAID THATS NOT MY NAME AND SAID MY NAME .THEN HE ASKED FOR SS # AND DOB I LAUGHED I SAID HOW ABOUT I GIVE YOU ACCOUNT # THAT I DONT GIVE THAT PERSONAL INFO OUT. AND HE SAID HOLD AND CLICK HUNG UP. I CALLED BACK AND GOT A RECORDING THEY WERE CLOSED FOR THE DAY CALL BACK DURING BUISNESS HOURS. AND THIS SCAMMER MANAGED TO GET FALSE DATA FROM PAST OLD DATA AND REHASHED DATA AND GOT IT ON MY CREDIT REPORTS AS A PAST MEDICAL COLLECTION DEPT. THAT DATES DONT JIVE. GON NA BE REMOVED ON XX/XX/XXXX AND JUST APPEARED ON MY CREDIT REPORTS ON XX/XX/XXXX AND I HAVE NO PRIOR BILLS OR KNOWLEGE OF THEM. AND CREDIT RPORTING BUREAUS ARE NOT ABIDING BY THE LAWS AND CONTROLLING WHAT I CAN DISPUTE WHEN I CAN DISPUTE WHAT I CAN SAY IN THE DISPUTE. LIMITING MY WORDS IN A DISPUTE. FORCE SELECTED STATEMENTS THEY WROTE UP IN MY DISPUTES.. AND NOT PROVIDING ANY INVESTIGATION DOCUMENTS TO THE COMSUMER AND THATS XXXX XXXX / XXXX  .WHICH ARE THE WORST AND MOST CORRUPT.. XXXX  NOT TO FAR BEHIND. IM WONDERING IF THIS IS RETALIATION FROM A PAST COMPLAINT I DID AGAINST THEM? THEY NEED TO REALLY INVESTIGATE THE 3 REPORTING AGENCYS .I XXXX  MY  CONCERN AND IM NOT ALONE. THERS LAWS BROKEN BIG TIME
Product: Checking or savings account

To whom it may concern I've been dealing with Bank Of America on several Unauthorized transaction which occurred on my account after explaining that my phone as well as my wallet was compromised with all my passwords exposed, Bank Of America keeps determining that transactions was made by me which is not fair I'm losing sleep everyday knowing that I've been a customer with BOA for several years to be treated unfairly is quite disgusting tractions listed are as follows From XXXX {$12000.00}, {$7200.00}, {$1800.00} Claim Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XX/XX/XXXX3.XXXX XXXX paid as agreed.

4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XX/XX/XXXX through XX/XX/XXXX. 
7. XXXX XXXX Paid as ageed.
Product: Checking or savings account

On XX/XX/XXXX Chase notified me that their prior decision on behalf re : my dispute with XXXX to which I still not received a response with an earlier complaint. Chase announces on my statement that XXXX requested. I faxed Chase that I had already overpaid XXXX with a second bank XXXX. Chase disregarded my evidence & sent me an email saying I owed the pmt but not giving a reason. Ive closed my acct at Chase but Im overdrawn at chase and wont be able to pay an extra XXXX. XXXX policy is NOT to allow XXXX  loans if prior funds not paid in full. Ive taken subsequent instacash loans with no problems since I paid {$200.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented 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 has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Mortgage

This issue has dragged out over the last 8 months. I have been trying to apply for a Home Loan modification from NationStar Mortgage. I have come under several financial set backs in the 2015 year and wanted to request that I get assistance with my loan. I have applied for several Home Loan Modifications and Appeals with NationStar Mortgage Company, but all were denied. I have had poor customer service from NationStar, and I have requested several times to have a different Loan Specialist assigned to me for the one that was appointed to me would never answer her phone or return my emails. She would call me back at minimum a week later and at that time would explain that I still need to upload more documents for my modification. It was not clear on what documents that I needed and I was referred to the website that would tell me what I need. I have tried contacting her manager in regards to this matter to request someone that would better assist me with my process, but each time I am redirected to her. I have given all the pertinent documents that they have requested online. I received a letter from NationStar stating that I make enough money and was denied any kind of modification assistance. At this time, I have yet to speak with anyone that can offer me any real help and I am not able to speak with anyone that is actually performing the hardship loan. I have tried calling my Loan Specialist every time and she insists that I still have documents that need uploaded. After I upload the documents, I am told to wait and call back a week later to see what they have decided. The loan documents are expiring because I am waiting on NationStar to give me an answer. When I call, I am directed to the customer service center, which has no record of the modification assistance and I am needing to explain again as to why I am calling and why I am requesting assistance with my home loan. I get calls at least 2 to 3 times a week asking when I am going to bring my loan current when all the while I am waiting to hear something from their company. Their one offer to help was for me to pay an amount a month that I am unable to make and there was no other alternative extended. I want the harassment to stop and I would like to move forward with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a freeze on my consumer report from LEXISNEXIS due to the XXXX breach three weeks ago and never got a responce
Product: Credit reporting or other personal consumer reports

KAs a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the XXXX XXXX
Product: Prepaid card

I tried to use this card on multiple occasions, it never worked. I tried calling the number on the back of the card and they asked me to use the website, XXXX, which did not work either. At this point, they asked me to fax my social security card, which I'm not comfortable doing. I do not know what else I can do at this point.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed inquiries that I had no knowledge of - Here are the inquiries I found. XXXX XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Debt collection

I am writing in response to your recent communication regarding the alleged debt associated with XXXX  XXXX. This account was previously disputed, and as a result, it was removed from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Despite this, you have continued to hold the account as active and have placed it under cease and desist and dispute status. 

Given the removal from my credit report and my prior dispute, I request written confirmation that : You have permanently closed this account in your records. 

You will not attempt to sell, transfer, or assign this debt to any other collection agency or entity. 

You will not attempt to report this debt to any credit bureau in the future. 

You will cease all collection efforts immediately. 

If this debt is not closed and you continue collection efforts or sell the debt to another agency, this may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempt to collect on this unverified debt may result in legal action. 

Please provide a written response confirming the closure of this account within 30 days of receipt of this letter. Failure to comply may result in further escalation, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies.
Product: Checking or savings account

On XX/XX/2023 my credit monitoring company notified me of a Bank of America account that was opened in my name. I did not authorize the opening of this account and on that same day I notified Bank XXXX XXXX of the fraud who advised they would close the account. 

On XX/XX/2023 I received a statement from Bank of America showing a {$0.00} balance on that account through XX/XX/2023. The account should never have been active through XXXX and should have been closed on XX/XX/XXXX, and upon calling Bank of America on XX/XX/2023 they advised me that the account was closed and I had only received a statement reflecting a XXXX date due to billing cycles. I asked that they send me documentation that the account was closed and the rep I spoke with advised she would request it be mailed to me, but that it would likely take a month or longer. 

Today, XX/XX/2023, I received another statement from Bank of America showing a {$0.00} balance on the account from XX/XX/XXXX through XX/XX/XXXX. The account should be closed and I should no longer be receiving statements.