23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Citibank is suing me for not paying for fraudulent charges made to my Best Buy credit card. These fraudulent charges were made on the night of XX/XX/2018. I received a phone call on that same night from Citibank security informing me that there were purchases made with my credit card. The purchases were made from two Best Buy store locations in XXXX. I confirmed to them that those purchases were not mine and were unauthorized. They told me that they would cancel the card and issue me a new one and assured me that I would not be responsible for paying for those charges. On XXXX of that same year I went out of the country for the holidays and when I got back in XXXX I found a letter in my mailbox from Citibank 's security division and in that letter they asked me to give them a call to get some information about the same credit card charges. They wanted to find out if I had received any other credit cards from them and I told them that the only one I had was the replacement card they sent me after my original card was compromised. A few weeks later I received another letter from their security division telling me that they didn't deem the purchases to be unauthorized and that I would be responsible for paying for those. I asked them how they came to that conclusion and the only reason they gave me was that I had a chipped card so no one else could have duplicated it. They told me that if I wished to further dispute the charges, I could write a letter to their Executive Response Unit. I did exactly that and explained to them all the events that transpired since XX/XX/XXXX of the previous year. I even had a few conversations over the phone with their ERU to discuss the matter. I even asked them to obtain video recordings from the stores involved but they told me they could not do that. In the end they seem to have deferred their decision based solely on what the security division decided. I had been a loyal Citibank customer for almost 25 years and never once did I default on my credit card payments to them. My credit history has always been excellent. And now, since I refused to pay for those charges they have ruined my credit rating and decided to sue me after three years.
Product: Bank account or service

Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Bank of America representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Bank of America Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Bank of America actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Bank of America is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired on my transunion report that Im dont recognize I contacted transunion and I wasnt able to get the problem resolved
Product: Mortgage

I was behind {$3200.00} this includes late fees. This company has done this 4 times previous. Refused to work and tried to foreclose and I stopped it each time by getting the money owed. But each time they add fees, {$600.00} internal attorney fees, and add a monthly payment that is n't due yet. I have tried 4 times to modify, or repayment, or work something out. Nothing..but I have in good faith every single time I fell behind find a way to catch up and prevent from losing my home. Here we are again and the game begins and I 'm just exhausted I 'm an old elderly man and my son handles this for me now. This will just kill me. First of yes I know I am behind, but I have been making payments each month ...
I owe {$3200.00} Date XX/XX/XXXX, Minus payment check # XXXX - {$730.00} and Date XX/XX/XXXX. Minus payment check # XXXX. - {$750.00} this leaves a balance owing of XXXX. of which I explained will be paid by XXXX XXXX, 2017 bringing my account current. The problem they refuse to deposit the above checks therefore throwing my account into foreclosure. The dates written on the checks were XX/XX/XXXX, andXX/XX/XXXX.. well in advance to prevent a foreclosure. They have n't sent a notice for foreclosure yet but I know the signs of the game and how it begins..by refusing payments.
Now they sent me a letter datedXX/XX/XXXX, after they received my payment ... .take note here ... they got my paymentXX/XX/XXXX, which would make me 3 payments behind. Foreclosure warnings does n't start till after four late payments ... Now back to the letter ... the letter was dated XX/XX/XXXX, I did n't receive the letter until XX/XX/XXXX, United States postal service. Inside the letter it stated I had until XX/XX/XXXX to send in the {$3200.00}. the problem here is I received this 7 days after the fact of the stated request. But they refused my payment on XX/XX/XXXX which would have prevented this in the first place let alone I sent in another payment on XX/XX/XXXX. If course they are not accepting that payment either. I have called and have gotten no where as usual. I am tired if fighting with them for 9 years. I kept up my end if the mortgage even in default. When will this horrible company give me a break. We bail them out with our tax money ... I 'm a retired veteran and I feel like I 'm not an American anymore. They treat me with no respect. I get nothing but denials, lies, decent, they try to steal my home from me from criminal practices with unfair billing, mortgage increases with no explanations, fees for every fricken thing you can think of. Please help.
Product: Checking or savings account

During XX/XX/2021 my debt card and information was stolen from me and a check of {$9000.00} was put into my account I called pnc to dispute this charge, when I contacted the company they told me I would not owe no money back because it wasnt me now I am getting mail from debt collectors on the behalf of XXXX
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and tranceparency is unaceptable and rasises serious concerns about constomer safety
Product: Debt collection

This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I am writing this letter to you in good faith so that you can rectify an error on the payment report on account XXXX XXXX XXXX and account number XXXX, this account is 100 % paid on time and my credit report shows a late payment of 30 day what is an error, I demand that you rectify my account information because everything was paid on time and I sent you the payment confirmation letter for the month that was reported late and the month is XXXX, but I have proof of payment to time in XXXX and I am going to send them to you to verify and rectify that error that is in my credit report and is affecting my credit report and my credit score, I hope you fix the incorrect information as soon as possible.
Product: Credit card

On XX/XX/XXXX, I made a payment to Upgrade in the amount of {$650.00} using a debit card to pay off a credit card account. I paid using Upgrades website payment portal. This transaction never showed in their portal, although the transaction cleared myXX/XX/XXXXXXXX checking account. In following up with Upgrade, they will not acknowledge that this payment was received and they said I need to send them my entire XXXX bank statement once it is published to credit the payment I made. I do not feel comfortable having to share my full bank statement with any institution and I offered alternate solutions ( such as providing the card number for them to search for the transaction ). They said this will not work and that I have to wait for the bank statement to be published to prove that I made this payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling and disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

We have a loan modification with a shared appreciation clause with Ocwen Loan Servicing since XXXX. We sold our home outright XXXX, XXXX XXXX. They charged us for an appraisal not called for in the agreement, ( XXXX, ) and ignored crediting us for a new roof ( XXXX. ) done since the agreement, also in the contract. They lose all docs. sent, they over and over make you set up phone appointments with Relationship Managers who continually tell you that some other dept. ( which you can not talk with ) is working on the complaint and will have an answer is 2 to4 business days - the answer never comes and the run and round never stops. We need our money and it is very clear they do not not intend to give it to us! They are nothing better than crooks defrauding their customers. They have lost XXXX sets of papers sent only to now ignor us completely. Yesterday they said a ltr. went out to answer the complaint - i asked for it to be emailed - this am it came. They answered the question about foreclosure costs ( we we never in forecloser ) and again stated they could ask fo the appraisal - they did not even mention the roof replacement. MY WIFE AND I ARE IN OUR XXXX 'S AND OUR HEALTH IS NOT GOOD AND GETTING WORSE EVERYTIME I HAVE TO CHASE THEM AND END UP A SCREAMING MANIAC FOR THEIR IGNORANCE AND ILLEGAL MANUEVERING!!! THEY ARE GOING TO KILL XXXX! WHY IS THIS COMPANY ALLOWED TO DO THIS - THERE ARE HUNDREDS OF COMPLAINTS ON THE INTERNET AND NO ONE IS TALKING ABOUT THEM ... WHY ARE N'T THEY EXPOSED IN THE MEDIA FOR WHO THEY ARE - LIARS, CROOKS, THIEVES. PLEASE CAN SOMEONE HELP US?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.
Product: Credit reporting or other personal consumer reports

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/scrub>XXXX for ( {$760.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my XXXX report showed a credit line decrease of {$1000.00} from {$2700.00} to {$1600.00} for my XXXX XXXX XXXX XXXX card. This is not showing on my XXXX  or XXXX report. I called Citi bank to confirm and they said no such reduction was made as well as my credit limit being {$4000.00}. On my mobile app my credit limit is showing as {$3800.00} and when I called XXXX they said my credit limit was still showing {$2700.00}. So I have 4 different credit limits for this card in 4 different places. I did file a dispute with XXXX. I explained this to Citi and asked if they could expedite my claim or if I could speak with the credit bureau or legal department. They said that department is not accessible to me and they work " offline ''. They said by federal law they have up to 30 days to investigate my claim. I asked if my case could be expedited using a rapid rescore or or expedited credit report update since there is false reporting on my credit report affecting me negatively. They said my circumstance didn't apply for rapid rescore, only an incorrect balance update. My XXXX score was decreased -XXXX points due to this false reporting. I asked to be transferred to a manager and they refused to transfer me beyond a supervisor named XXXX. XXXX filed a report for me XX/XX/year> at XXXX. I asked him for a case number and/or written proof confirming they have submitted the correction to the credit bureaus as well as proof that they do not have any credit limit reductions showing. He said there is no case number and no way to give written proof of our conversation, all he could give me was the date and time he filed the report. I explained once more that I need Citi to submit this correction immediately. This incorrect reporting has already caused harm to my credit score and delaying this obvious error on their part for up to 30 days is unacceptable. I informed them I would be filing a formal complaint to the CFPB and contact the credit bureaus directly regarding Citi 's refusal to correct an inaccurate report in a timely manner. I would rather resolve the dispute with Citi directly, but since I'm not being given any access or information regarding my claim or expediting my claim, I will have to find another way to make this happen. 

Summary The issue : Citi Bank incorrectly reported a credit limit decrease, which caused a credit score drop. 
The response : Citis reps have confirmed no decrease happened yet refuse to correct it. 
The problem : Citi is refusing to submit a Rapid Rescore or Expedited Credit Report Update despite having the ability to do so. 
The impact : This error caused a significant drop in my credit score, affecting my financial standing.
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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 + for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I notified Experian and XXXX that I am a Victim of XXXX XXXX  I provided them with copies of the following : My Drivers License and Social Security Card Letter explaining that I am a victim a XXXX XXXX and listing the adverse information that needs to be removed from my Credit Report FCRA Section 605C Self-Attestation Form FCRA Section 605C Consumer Submission Form FCRA Section 605C Task Force Affiliation Form It has been 22 days now and they have not removed any adverse information from my Credit Report as I requested, nor have I received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies : Transunion, XXXX, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX XXXX ; Credit Reporting Agency ; Experian, XXXX XXXX ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.
Product: Credit card

Saturday XX/XX/year> I received a phone call from Chase Bank stating that they denied a purchase on my credit card for {$490.00}. I do not have a Chase Credit Card, and it appears someone opened a fraudulent account with my information for a credit card.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Equifax is reporting inaccurate late payments on my credit report. 
This is a billing error and these accounts are in violation. I've always paid as agreed on time. I demand the following accounts be verified or removed immediately. I have also attached payment history for both accounts. 

XXXX. XXXX XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX  I demand that you confirm and affirm all allegations of the late payments that you are reporting. I requested the transaction history for my accounts that I have yet to receive. That is admission to your failure to keep proper reporting of my account 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX I demand that you confirm and affirm all allegations of the late payments that you are reporting. I requested the transaction history for my accounts that I have yet to receive. That is admission to your failure to keep proper reporting of my account