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

I have been engaged in ongoing communication with Citizens Bank in relation to their online banking services, with particular emphasis on their mobile application designed for the management of debit cards. Regrettably, I have observed an apparent malfunction in the functionality of the " Manage Debit Card '' feature within the mobile application. Despite my efforts to address this concern, I have been in correspondence with their IT Department without resolution.

This issue came to my attention approximately one week ago, precisely on XX/XX/XXXX. The persisting inability to rectify this matter has led me to a point of frustration. Furthermore, it has come to my notice that their online banking services intermittently experience outages during the course of the day. However, I wish to emphasize that my primary concern revolves around the malfunctioning mobile application 's inability to facilitate the crucial " freeze '' and " unfreeze '' functions for my debit card. This functionality is pivotal, as it enables me to exercise control over the security of my finances without the necessity of resorting to the toll-free customer service line. 

It is pertinent to mention that this issue is manifesting across both XXXX and XXXX platforms, thereby making it platform-agnostic. I would appreciate a prompt and comprehensive resolution to this matter, as it directly impacts my ability to manage and safeguard my financial assets effectively. Your attention to this concern is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contactacted transunion several times on this fraudulent account thats reporting I was told it would be removed within 48 hours it still reporting Ive also sent transunion a copy of my identity theft report showing that the account listed below is a fraudulent account and was opened fraudulently without my consent and fraudulent chargers were made. 

XXXXXXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/2015
Product: Credit reporting or other personal consumer reports

These accounts are in Direct Violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Under 15 U.S.C 1681 Section 602 ( A ) has violated several of my rights. It also states a consumer reporting agency can not furnish my account without my written instructions.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts as per 15 U.S.C 1681. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation. Remove these accounts immediately as they are in violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I still have a balance of XXXX XXXX  in Chase Bank XXXX They said they closed my account and sent the balance in my address in XXXXXXXX XXXX but I have not received it. I talked to them and they said wait for it. I waited but no check for me arrived. I moved to XXXX XXXX and checked it again at Chase Bank and they told me they already sent it to my old address in XXXX. Please help and send your reply to my email address. Thank you very much.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Debt collection

On XX/XX/XXXX of XXXX a debt in my name was sold to a company called XXXX XXXX XXXX. I received a few calls from this company but didn't answer anything from them. Fast forward to XXXX and on XX/XX/XXXX of XXXX I receive a letter in the mail from Bursey & Associates stating they are attempting to garnish my wages. I requested a motion with my local court because they are attempting to collect on a debt that is 11 months past the Statue of Limitations in the State of Arizona.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/year> {$0.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX  XXXX  XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter Trans Union and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX  continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX XXXX website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with Trans Union and XXXX  and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XXXX XXXX and a balance of XXXX should be reflected on all three credit reports?
Product: Student loan

I had a federal student loan with XXXX ( now Navient. ). I 've been paying it since XX/XX/XXXX. The original amount was $ XXXXwith XXXX still outstanding. I 'm having trouble getting statements from Navient. Paid {$59.00} on XX/XX/XXXX and received a notice dated XX/XX/XXXX stating that my payment ( in XX/XX/XXXX due XX/XX/XXXX ) was not received and that {$28.00} was now overdue. 

I only have XXXX XXXX benefits to live on and feel that Navient is just harassing me about payments. Can you help?
Product: Credit reporting or other personal consumer reports

Un- authorized Inquiries and accounts XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!
Product: Money transfer, virtual currency, or money service

I initiated multiple Zelle transactions through my financial institution 's platform, intending to send significant funds to various recipients. Although the transactions were confirmed as successful in my bank 's app and the amounts were debited from my account, the intended recipients did not receive the funds. 

Upon discovering the issue, I promptly contacted my financial institution to report the problem and seek a resolution. Despite multiple follow-up attempts, I have not received a clear explanation or resolution. The recipients have also verified that the funds were not received. 

I contacted my financial institution to report the missing payments and was assured that an investigation would be conducted. I have followed up multiple times but have been met with delays and a lack of concrete information or resolution. I confirmed with the intended recipients that the funds have not been received.I attempted to reach out to Zelle but was redirected to work through my financial institution for resolution. 

This situation has caused significant financial stress and has disrupted important transactions. The lack of transparency and responsiveness from my financial institution has further exacerbated the issue and diminished my trust in their services.
Product: Checking or savings account

on XX/XX/XXXX I visited my local US bank branch on XXXX XXXX XXXX XXXX, Il XXXX to open an IRA Money Market to rollover 401k distribution money from my previous employer. I met with XXXX XXXX. I told XXXX I was expecting an additional check from the same 401K plan in a few days. She proceeded to open the IRA Money Market and deposited the original amount to the account. When I went home I checked the account # XXXX and the money was in my account in the amount of {$2000.00}. 
When I finally received the additional check in the amount of {$220.00} I went back to the bank on XX/XX/XXXX and met with XXXX XXXX. Both 401k checks were from the same employer, XXXX XXXX and were made payable to US Bank XXXX XXXX XXXX XXXX IRA. 
XXXX called her operations department to receive instructions on how to process this additional deposit. She gave me a receipt for the amount and took the check. 
As of XX/XX/XXXX the check is NOT shown in my account!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I have an issue with XXXX and XXXX reporting. XXXX bank deleted an account off my credit report but it still shows on both XXXX and XXXX. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than XXXX. Something on XXXX  side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need XXXX and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.
Product: Debt collection

I received an alert from my credit protection account that XXXX collections account were posted on my account from Midwest Recovery Systems with the original creditor being XXXX XXXX. The information on both collections account was the same and reflecting I owed the amount of $ XXXXfor each collection account. The only difference was the account numbers had a different last digit number. I have never done business nor heard of a company called XXXX XXXX. The collection agency ( Midwest Recovery Systems ) have never contacted me regarding this debt and gave me a chance to dispute it within the 30 days. I just woke up XXXX morning and XXXX collection accounts were there. Four days later after they added these collection accounts to all XXXX credit bureaus, I received another alert stating that my information was found through the XXXX XXXX and was possibly sold. I have an identity theft report and have disputed this with all XXXX credit bureaus. I have also filed a complaint with the XXXX in which I saw this company has had over XXXX complaints with the same issue that they were not notifying people of collection accounts and just placing these fraud accounts on their credit. I decided to report them as well to the Consumer Financial Protection Bureau because it seems this collection agency are not conducting business legally and just placing false collection accounts on consumer 's credit report without allowing the information to be verified or the consumer a chance to dispute it. I am in the process of purchasing a home and this has majorly impacted my credit where I can not obtain a home. I do n't want this to happen to another XXXX people.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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 collections account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$73000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Follow up from current dispute could you confirm that you in fact had the tradeline remove from XXXX credit file on XX/XX/20 for inaccurate information? The credit monitoring service that I pay for advised that you did! You shouldve have a tradeline removed from all credit reports because youre one company that reports to all three of the major credit reporting agency therefore all the information should be accurate and reporting the same I have supplied you physical and factual documentation that its not reporting correctly and this meets Criteria to be the deleted immediately..
Product: Checking or savings account

My name is XXXX XXXX, I'm a Citi bank credit card holder for many years. Citi bank sent me an invitation to open a Citi gold checking account. On XX/XX/2021, I open the Citi gold online and I transferred {$200000.00} from my XXXX  XXXX XXXX account. 

I received the debit card after a week, the card number is XXXX XXXX XXXX XXXX. Checking account number XXXX, saving account number XXXX. But when I tried to activate my card, I was told that the account was closed by fraud department I called the customer service and the fraud department a couple of times, they said they couldn't tell me the reason why my account got closed and I would receive my deposit by mail within 30 - 60 days, or I can go to a local branch and ask for a cashier check. 

On XX/XX/2021, I went to a Citi bank branch at XXXX XXXX XXXX XXXX, XXXX, IL XXXX regarding my deposit. The banker XXXX XXXX told me that theres nothing the branch could do because I created and deposited the money online. 

While I was in the branch, I called citibank fraud department and trying to let them talk to the branch to come to a mutual agreement because I felt that I was kicking around by the fraud department and the branch which none of them could help me. My XXXX is locked in citibank and I want to get my money back. 

This is very frustrating and inconvenient for me as I need my money as a down payment for my property in need. Nobody in Citi bank would like to help me out. I'm so disappointed with Citi Bank. They sent me invitations to welcome me deposit XXXX to their bank and locked it away from me. Without this money I cant pay my down payment, I will miss the house I love so much. Its so devastating, I will never use citibank again.
Product: Checking or savings account

Due to theft and act of fraud by persons being investigated whom accessed account after stealing my debit card, I immediately contact American Express Serve to cancel my card. After doing so, my funds was locked and I had no way to make withdrawals on declined transactions were ongoing when making oayment with bank routinb and account number. My card was expedited but due issues that thr company fail to investigate and refuses to acknowledge, this has left thr access to my accou nt unsecured likely due to the inteference by these individuals who are responsible for the theft of my identity and are being currently pursued crriminally. Having no access to my account has cause multiple unauthorized transactions and pending transactions, it has led to the compromise of the debt card PIN security feature and seem to be used as a frature that allows the card holder to enter my phone banking. Transfers can be made with attempts have been notices. The continuous changing of my email per notifications from the institution, allowing smaller unauthorized activity and the routing of notifications and statments to be routed as my account is under absolute compromise without any support, remedy, or corrective action from the Financial Institution.
Product: Debt collection

My interest only payment plan ended without my knowledge, and my payments skyrocketed to an enormous amount. I only make so much money, and this is getting ridiculous. The employee I spoke to also took issue with me taking his information to apply to this complaint, which means they do not know how to handle criticism either. 
Name : XXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and XXXX XXXX XXXX  reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$69000.00} for XXXX XXXX and {$2300.00} for XXXX. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and tile 15 U.S.C Section 1632- Form of Disclosure ( 2 ) Creditor to provide contracts to theBureau. As defined under title 18 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion and XXXX for misreporting credit as income, which I believe violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Fair Credit Reporting Act ( FCRA ) Section 607 of the FCRA mandates that credit reporting agencies and companies must report accurate and complete information. By including credit as income, the company is providing inaccurate information, violating my rights under the FCRA. 

Truth in Lending Act ( TILA ) Under TILA, financial institutions are required to provide clear and accurate disclosures to consumers. Reporting credit as income violates this principle because it misrepresents my true financial situation to potential creditors. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Under Dodd-Frank Wall Street Reform and Consumer Protection Act, which created the CFPB, it is prohibited for companies to engage in unfair or deceptive practices. Misreporting credit as income is a deceptive practice that can mislead lenders and harm consumers. 

Under IRS Tax Code, specifically Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), canceled debt is generally considered taxable income. However, this does not mean that canceled debt should be classified as income in the context of a credit report.

Form 1099-C : When a creditor cancels {$600.00} or more of debt, they are required to file a 1099-C with the IRS, and the canceled amount may be reported as income for tax purposes.

IRS Form 1099-C ( Cancellation of Debt ) : The 1099-C reports canceled debt as income for tax filing purposes, but it is not actual income ( i.e., wages or earnings ). It is treated as income for tax calculation but is not reflective of the consumers regular income stream for creditworthiness purposes.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXX XXXX  that has been ignored.