23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am filing a complaint against Citibank for terminating my Costco Citibank Account without reason. I have held the account since XXXX and have held it in good standing without a single late payment. I unknowingly let my Costco membership lapse, it expired in XX/XX/XXXX. I continued to use the card spending thousands without any word from citibank that there was a problem. I didn't hear from them until they closed my account on XX/XX/XXXX. In their letter they stated that if I paid my membership dues my account would be reopened and that all I had to do was call and request that that action be taken. I paid my dues on XX/XX/XXXX then called on XXXX separate dates to have my account reopened. I was denied all three times. If you hold a Costco Citibank Card you are paid a reward check that is sent out on XX/XX/XXXX for the previous year 's cash back. I spent over $ XXXX on my card and am due several thousand dollars in rewards. When my request to reopen my account was continually denied I called XXXX to verify that there had not been any derogatory marks on my credit or that my credit score had dropped. There have not been any changes. In fact my credit and household income has increased dramatically in the 15 years Ive held the account. The only reason I can see for Citibank denying my request to reopen my account is because they do not want to pay me my rewards check. I am appalled and disheartened at the treatment I am receiving after being a loyal customer for 15  years. I expect my account to be reopened and for my membership benefits to be intact.
Product: Checking or savings account

I filed a complaint on XX/XX/XXXX in regards to an issue I have been having with Bank of America due to money that they owe me I only have until the XXXX of XXXX to claim the money before it is forfeited over to the state however I have contacted them as well as filed a complaint with you which should have stopped my time although Bank of America indicating different they responded to the complaint I last filed on XX/XX/XXXX indicating that they would have a resolution by the XXXX of XXXX which has now passed and that they would contact me at the updated contact information provided however they failed to do so and are giving me nothing but the runaround and refusing to pay me the money thats owed to me so Im filing another complaint hoping that this time this one gets me somewhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX XXXX to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX was denied credit for a truck loan by XXXX XXXX  XXXX, CT. 
Wanted credit report from " Sagestream llc ''. 
Sent in all required forms and info which included, Name, birth date, address including zip, phone number and Social Security number. 
They refused in a call back by saying " Doc '' was expired which it was not. 
Doc was a temp Drivers License printed out page with the expired date of XX/XX/XXXX. Can not reach them by phone. 
Something is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DISCOVER BANK XXXX  Date opened XX/XX/XXXX Balance : {$160000.00}, DISCOVER BANK XXXX Date opened XX/XX/XXXX Balance : {$5800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I overnighted a {$4300.00} check to OCWEN and have it arriving and signed for at Ocwen. It always takes a week and after 2 weeks not hitting I called them. They lost the check and TOLD me NOT to make a payment until their investigation was resolved. Over the next 3 months they were doing an investigation and TOLD me not to pay until this was resolved. Once they told me to stop payment - a week later I mailed them the entire payment to ctach it up. The supervisor XXXX ( XXXX ) told me it would not go against me. Now they reported me late to all XXXX credit agencies. They will not call me back to resolves this. I have called numerous times as this is really adversely affecting my life.
Product: Mortgage

I reached out to my bank in an effort to provide my family with a home to live in. I thought I would request the bank to lend me the amount of XXXX. The monthly payment would be less than the payday loan they were providing me with until I closed the account because it had a negative effect on my credit report according to a reporting agency it was showing not on time. The North Carolina State Employees Credit Union and the members board turned me down. How can you approve a loan that would average out the same amount if I would have continued to borrow payday loans for a full year. The payday loan does not have any resale value if I decided to default on the loan as a home would. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

See the letter I have attached, this has been nothing but difficult to get this deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint because I have several credit inquiries from all 3 credit reporting agencies that's affecting my ability to obtain and use my credit to its maximum potential.

TransUnion reporting agency is reporting 4 unauthorized inquiries that's not connected with any open account that's reported on my credit profile. 
Here are the dates and accounts that are reporting unauthorized on my credit profile XXXX XXXX on XX/XX/ XXXX XXXX XXXX on XX/XX/ XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2023 XXXX reporting agency is reporting 2 unauthorized inquiries thats not connected with any open account that's being reported on my credit profile. 
XXXX XXXX XXXX on XX/XX/2XXXX XXXX XXXX on XX/XX/2023 XXXX credit reporting agency is reporting 6 unauthorized inquiries that's not connected with any open account that's reporting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/, XX/XX/, and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX  All of these listed inquires are unauthorized and shouldn't be listed on my credit profile.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns regarding Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was told that recovering the lost funds was not possible and that tracking these transactions was impractical. The CFPB 's findings suggest that Zelle has not only failed to protect consumers adequately but has also allowed repeat offenders to exploit the system, leaving users exposed to scams. I have used Zelle on numerous dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amounts were ranging from {$20.00} to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a credit card on my report that does not belong to me. I dont have a XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, a transaction went through for an unauthorized purchase of around XXXX dollars made in XXXX XXXX, which is nearly two hours away from my location, on my AMEX gift card. About two days later, I called AMEX to dispute the charges, and they opened up a case. After waiting for around a month, they contacted me saying that my dispute was declined, and now I'm XXXX dollars short.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, TransUnion, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion, and Experian consistently responds within 24hrs stating the account is " accurate '', but refuses to provide any type of requested evidence of a thorough investigation. 

According to consumer rights, this violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

Furthermore, Equifax, TransUnion, and Experian 's actions may also contravene the Consumer Financial Protection Act (

CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations.

I STRONGLY request that the CFPB take IMMEDIATE action to ensure Equifax, TransUnion, and Experian complies with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved a credit alert and realized someone ran my credit. I called the company that ran a credit check. I called roughly XXXX to ask why a credit check was done. The individual on the phone said they are trying to sue me from an old debt regarding a vaccum cleaner. I told them that they must be mistaken because I have no such debt. That is when the man on the phone told me the company did this exact thing before back in XXXX to which I also called asking why they ran my credit!? He told me that I said the same thing, the debt wasn't mine and I don't know where this is coming from. He then tells me that they plan on taking legal action sueing me for a debt that I dont even know when it started but that is AT LEAST 8 years old.So now I am extra confused for the fact that mutiple times I have told them I did not have this debt, that it is fraud AND this is more than 8 years old? They have my contact information and mailing address but I have never one recieved anything from this company. I have only ever reached out them regarding them running credit checks and fruad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief charged over {$24000.00} in fees. I was advised to ruin my credit and was receiving lawsuits. When I realized all my money went to fees and my debt was not being reduced I filed bankruptcy to resolve the lawsuits. Only one account for under {$300.00} was resolved by them. They refuse to refund any fees.
Product: Credit reporting or other personal consumer reports

XXXX TransUnion and XXXX have been notified on several incidents of identity theft and have yet to clear my report its preventing me from opportunities for housing financial support and education for my children this is completely illegal according to fcra regulations Im to be provided with an investigation on WHY these things are on my credit report most of these items I can not acknowledge for I did not commence any contracts or agreements for leases loans or credits as well as services including communication and health services
Product: Debt collection

Sent out a letter advising of dispute and requesting the validation of this debt, with certified mail tracking # XXXX XXXX XXXX XXXX XXXX, request letter forward expired and request was ignored.
Product: Debt collection

I took out a car loan, through Bank of America in the amount of nearly {$30000.00} around XXXX XXXX. The car was repossesed by Bank of America in XX/XX/XXXX, with a balance of about {$18000.00} remaining on the loan. Bank of America auctioned off the vehicle for about {$20000.00}. Now, XX/XX/XXXX, their so called collections department claims that I owe them {$10000.00}. Go figure that. To add insult to injury, XXXX of the crooked collectors, went into my account on XXXX XXXX, XXXX, with no authorization on my part and took ( stole ), my entire pay of about {$2000.00}, for a car loan that should have off set to XXXX balance, when the vehicle was auctioned off in XX/XX/XXXX. This is an unscrupulous collection practice to say the least. When I tried to dispute the action, I get reminded of some disclosure, that most people with XXXX vision probably need a magnifying glass to read. In the meantime, I am out of {$2000.00} for the month that a conniving, thieving agent of Bank of America stole from my account on XXXX XXXX, XXXX without any authorization, nor consent on my part. Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXXXXXX XXXX Balance : {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to contact the credit reporting agency to correct the inconsistent and inaccurate information but they did not fix the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax and XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : XXXX XXXX PAYMENT PLAN ) XXXX, ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Product: Debt collection

I hired a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The website and phone number for the company soon became inactive and there was no way to request services. They then provided a fraudulent bill for services they could not and did provide because they did not exist to a debt collector called ARM Solutions Inc, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, CA XXXX. The phone number for ARM solutions is XXXX. I should not be expected to pay for services not rendered from a company that does not exist. This is not correct billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice here after receiving a tenant screening I have an eviction from XXXX XXXX XXXX  file date as of XXXX2016 with a balance of XXXX . I am an aware of this record and its effecting my chances on finding a home. Please remove immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XX/XX/XXXX I was alerted that a collection account was added to my credit report from Midland XXXX XXXX for a ( charge off ) credit card debt -- original creditor being XXXX XXXX. My credit score took a major hit as a result. 

The alleged amount owed is {$570.00}, of which I have no knowledge of. 

Midland somehow has gotten my wife 's cell phone number and they make numerous calls a day harassing her for this debt that I allegedly owe. 

We have both blocked at least 5-6 numbers from Midland to prevent the calls from going further, however they still ensue. 

I sent a dispute letter around XX/XX/XXXX asking Midland to verify this debt. I never received any validation or proof of ownership of this debt and the collection account still remains on my report as a " derogatory '' mark.
Product: Checking or savings account

XX/XX/2018 Ally bank Market my account as over drafted but I never created an account with them, a while later i decided to create an account myself & when i deposited money. they took money from my account. {$2000.00} & then market my account has negative {$2000.00} it was a complete banking error and when i confronted them about it they just blocked my account & refuse my phone calls. 

I NEED JUSTICE!
Product: Debt collection

I am writing regarding the above-referenced account. Under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt, except as permitted by law.

Under 1692c, debt collectors are required to respect a consumer 's request to cease communication. Therefore, I demand that all communication regarding this account be stopped immediately, unless : You confirm that no further collection efforts will be made, You notify me of specific actions you intend to take, such as filing a lawsuit, or You provide legal notice as required by law. 
This letter does not constitute an acknowledgment of the validity of the debt. If you believe this debt is legitimate, I request full validation of the debt under 15 U.S. Code 1692g ( b ), including documentation that verifies the debt 's validity and your authority to collect it. Failure to comply with this cease-and-desist request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , th
e Federal Trade Commission ( FTC ) , and the Georgia Attorney Generals office for violations of the FDCPA. 
Thank you for your prompt attention to this matter. Please provide written confirmation that you have received this letter and that you will comply with the terms outlined.
Product: Credit card or prepaid card

The length of the late payment is on my credit reporting company too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I logged into my BarclayCard American Airline Advantage card yesterday ( XX/XX/XXXX ) and saw that I was 30 days + past due, was reported 30 days late to the credit reporting agencies, assessed 2 months of late fees and I never received notification about this from any communication method. I immediately scheduled a payment online to bring my account up to date and set up auto pay, which I had turned on before, but apparently they must have turned off. I routinely pay this account 1-2 times a month, about $ XXXX each billing cycle. It seems odd and deceptive, and abusive, that the credit card company did not contact me. I have never been reported late on any account in my 23+ year history and fear I, like many Americans, have been unfairly discriminated against and taken advantage to support this type of corporate greed. I have sent a letter to the Billing Disputes department ( XX/XX/XXXX ) and plan to also send to the customer complaints department and office of the CEO. As a result of this action by Barclay, a credit card account I had with XXXX  XXXX XXXX for 23+ years was just closed on XX/XX/XXXX. In a time where Americans need financial assistance due to one of the most challenging economic recessions and pandemic we have experienced in US history. I am seeking your help as an American and a Consumer that is asking for our government to protect my rights and not be a victim of corporate greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX A XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX SS XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with your failure to comply with my request to correct inaccuracies on my credit report. Despite submitting a certified letter containing the required proof of identity, including a copy of my ID and lease agreement, my credit report continues to reflect inaccurate information that violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested the removal of just my first and last name from my credit report, as I have only ever used my full first, middle and last name. Additionally, I requested the removal of an address that is not associated with me which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To date, these discrepancies have not been corrected, and I am concerned that this is a violation of both the FCRA and my consumer rights. 

Under the FCRA, I am entitled to request that only accurate and complete information be reported. By not addressing my concerns, you are failing to adhere to the law, and this situation has negatively impacted my credit report. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX