23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my response to the previous response from XXXX XXXX 's letter. This response is not from a third party, this is directly from XXXX XXXX. I have called and left messages with the executive office and have been unable to reach XXXX XXXX. I have disputed the data being reported with the consumer reporting agencies and the furnisher, Citibank , N.A . I have received notices confirming accuracy of reporting ( see attached ). As a furnisher, Citibank, N.A has a duty to provide accurate information. In XXXX XXXX 's letter it is stated, " As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the consumer. '' The information you listed in the attached letter is inaccurate with what is being reported which means you did not conduct a proper reinvestigation. It is clear that Citibank, N.A willfully failed to comply with 15 USC 1681s-2 ( b ). Citibank, N.A must be held liable for all damages as specified in 15 U.S. Code 1681n and 15 U.S. Code 1681o. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Citibank, N.A, a financial institution, has transferred my nonpublic personal financial information to a third party without giving me the opportunity to opt out. It appears that this may be a violation of 15 U.S. Code 6802 ( b ). Non compliance with The Gramm-Leach-Bliley Act must be investigated by federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mines. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX  Credit Reporting Agency, XXXX Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

This complaint is additonal information from the 1st complaint I had previously submitted. I have been having an issue with my discover card. I complained in my first complaint that there was frudulant activity on my card. I had received the credit back after the investigation however a month later they put the fraudulant funds back onto my credit card. They want a police report. I went down the precient and was told they can only fill out a field report which is not what they are looking for. I also complained about not being able to view my account online anymore. I was told they will fix that and allow me to view my account online. They never did. Yesterday XX/XX/2019 a payment arrangement that was previously arranged I had changed to a different date. Upon completely the date for the payment to come out I had asked why I am still not allowed to view my account online? I also stated I was told in the last conversation last week it would be fixed. I was put on hold for over 45 minutes waiting to be transferred back to customer service to resolve this issue. However after a 45 minute  wait I hung up. I am very upset at the fact that I am being billed close to {$1700.00} plus interest and fee 's that accured do to this fraudulant activity and on top of that I still can't get online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX ( accnt # : XXXX ) 2. XXXX XXXX ( accnt # : XXXX ) 3. XXXX  ( accnt # : XXXX ) 4. XXXX/ XXXX ( accnt # : XXXX ) 5. XXXX XXXX ( accnt # : XXXX ) 6. XXXX ( accnt # : XXXX ) 7. XXXX XXXX XXXX XXXX ( accnt # : XXXX )
Product: Credit reporting or other personal consumer reports

I recently put a copy of my credit report and realized that I have fraudulent activity. below are the fraudulent accounts that need to be removed off of my account. 

XXXX XXXX XXXX Amount : {$230.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$750.00} XXXX XXXX Amount {$52.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amount {$3700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.
Product: Prepaid card

My Uncle bought me a {$100.00} Amex gift card which costs $ XXXX XXXX and change activation fee. As soon as it was activated an hour later the card was used in several locations from an unauthorized user, one of the merchants being mid journey. Keep in mind I received the card hours later it was used and opened it up from the package a week later to find out that there was {$9.00} and change left. I called Amex and explained the situation to them and they looked into the case and said they will email the determination of the dispute/case. The response Email I received back only said your funds from the merchant couldnt be salvaged, we are sending you a card back with {$10.00} on it. Obviously I called Amex back and they told me that they cant do anything because they werent able to salvage the funds from the merchant. I asked them to confirm if it was a fraudulent case and from where did it occur and they gave me no detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit. 

Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from Capital One, XXXX XXXX XXXXXXXX XXXX  and many more. My current credit report is reflecting XXXX hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Experian XXXX letters asking them to correct my personal information on my credit report. They refuse to update my name, address, and place of employment. 
I've sent Experian XXXX letters notifying them about fraudulent accounts showing on my report. They refuse to remove the accounts. 
I sent a copy of my photo ID, social security card and the first page of my bank statement to verify my identity and they still refuse to make corrections to my credit file. 

I have XXXX name, XXXX address and XXXX place of employment.
Product: Debt collection

Verified that the collector that is reporting on my credit is not licensed in my state of Florida. I did call and speak with the representative to verify my debt and that if they are licensed they informed me that they were and still attempted to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the Experian credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with XXXX that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( mrs XXXX XXXX to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( mrs XXXX XXXX called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing XXXX XXXX for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, XXXX is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.
Product: Money transfer, virtual currency, or money service

I have been waiting on a Wire Transfer of {$120000.00} to hit my XXXX Account. It was supposed to be sent on XX/XX/XXXX and I was then told it was sent on XX/XX/XXXX. Now its XX/XX/XXXX and I still have not received my wire transfer of {$120000.00}. XXXX XXXX is the XXXX  who initiated the XXXX and Citibank and XXXX are the intermediary banks. Citibank is apparently holding my {$120000.00} and will not release the money to my account, with no explanation. 

I have been waiting and calling XXXX XXXX, and they have no answers from XXXX who is their intermediary who sent the wire to Citibank, who finally is the bank who is supposed to release the money to my XXXX account. They still have not. 

And I am under severe emotional and financial stress because of this waiting period with no answers and no resolution. XXXX repeatedly tells me that sometimes Compliance issues hold up transfers, but they also told me that they have never seen a situation like this with no idea what is really going on. 

At this point I am feeling totally helpless to get my {$120000.00} returned to me with any certainty of timeframe or any sufficient reasoning why Citibank would not release my money to me.
Product: Credit card or prepaid card

InXX/XX/2017, a fraudulent charge was made on my XXXX XXXX store credit card account using an in-store lookup by a person unknown to me, who also made charges at 4 other stores using in-store lookup as well. I immediately notified all the merchants about the fraudulent charges. All of the companies, except XXXX XXXX, investigated the fraud claims and proved it was not me that made the charges. XXXX XXXX has continued to close my fraud claim and try to say it was me that made the charge. Over the last year I have provided them with everything they have asked for to prove it was not me, including filing a police report. I have repeatedly been denied by their fraud department, and finally had to escalate to their Executive office as the fraud department refused to investigate further. For a year I have asked them to review the in-store video against my drivers license picture and they will clearly see it's not me. They have refused to do this and just keep making excuses and closing the case. I have sent multiple packets containing my proof that this was fraud but they will not resolve this issue. I have been a loyal Customer for years, and my history with them should show the type of customer I am. A year this has been ongoing and I am still hitting a brick wall with them. I need help in getting this matter escalated, as they have told me that they take claims from third party agencies more serious than from the actual customer affected by the fraud.
Product: Money transfer, virtual currency, or money service

I 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. XXXX is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My company paid {$5000.00} to me, via check. On XX/XX/2023, I deposited this check, via mobile deposit to my Huntington Nation Bank checking account. My funds were not available once deposit happened. And my account had been locked. I was unable to even log into my Huntington National Bank site. I received a letter from Huntington National Bank dated XX/XX/2023, stating that my check was being held until XX/XX/2023 due to making sure the funds were available from the bank they were being paid from. Huntington National Bank then froze my account, and NONE of my funds were readily available. I have contacted Huntington National Bank 10 times, and have been given the run around from every person that I have spoken with. The bank that my employment check is through, is XXXX XXXX. I contacted XXXX multiple times, and they informed me that Huntington National Bank had already cashed my paycheck in XX/XX/2023. Huntington National Bank is illegally holding my funds, and froze my account. Every time that I have contacted Huntington National Bank, not one representative or Manager can explain to me why my account is frozen, or why my funds are not available. It is now XX/XX/2023, and my account is still frozen, my funds are still not available. Due to this hold of funds for over a month, I have been unable to pay my family 's health insurance for XXXX and XXXX. It has now been canceled, and Huntington National Bank must be held responsible for paying for this to be reinstated.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act, CHASE and XXXX Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for Chase and XXXX to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect Chase and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called Chase XXXXredit services, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
Chase claims that all conversations are recorded when calling, so if a serious investigation was done by Chase and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But Chase and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), Chase and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by Chase credit services, as a consumer, that if I did such and such I would not be charged with a late payment, only for Chase to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that Chase and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the XXXX credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already contacted me about most of these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX   system that does not even contain my reasons for the dispute is not reasonable.