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

I sent in a billing dispute with CitiBank for a XXXX $ purchase to a online training that turned out to be terrible. I asked for a refund given that they had a '30 day money back guarantee '' but then out of nowhere they sprung on me that apparently they didn't have a money back guarantee. So in response I disputed the charges. 

Attempts to get refund : XX/XX/XXXX Email to XXXX and XXXX XXXX XX/XX/XXXX Call from XXXX to persuade me to continue program XX/XX/XXXX XXXX Calls to further convince me to continue XX/XX/XXXX Dispute started. Email sent to XXXX XX/XX/XXXX Dispute Ended XX/XX/XXXX Called Customer Service with apathetic response to ignoring my billing dispute. 

CitiBank is not reviewing emails/logs of the calls that I have sent to them and have cancelled the review of my dispute despite having telling me they would resolve it.
Product: Debt collection

XXXX XXXX XXXX collections account number XXXX isnt mine I am a victim of identity theft discount was fraudulently opened under my name. I have no knowledge of this account. I am asking them to provide proof of signature they have not been able to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

PLEASE CHECK THE DOCUMENTS I'VE INCLUDED BECAUSE INACCURATE ACCOUNTS ARE SHOWING UP ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXXXXXX XXXX is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by XXXX XXXX XXXX
Product: Credit card or prepaid card

This item Genesis FS Card Services Inc. ( Indigo Credit Card account number is inaccurately reporting and negatively impacting my credit scores and payment history it is currently reporting I missed 2 payments for the month of XXXX and XXXX. However payments were made and confirmation numbers were provided for payment date XX/XX/XXXX confirmation number XXXX and XX/XX/XXXX XXXX. I am requesting that Genesis FS Card Services Inc. ( Indigo-XXXX Bank XXXX have the item removed and change to correct the information to identify there are no late payments and have them removed as they are currently reporting on my credit reports. My credit report was updated XX/XX/XXXX stating my account was now current however it still reported 2 late payments. Today XX/XX/XXXX I have a {$0.00} balance and they are now reporting I am 30 days on a payment that is not owed which has negatively impacted my credit rating again.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Thank u for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun added Late Payment statuses to my credit reports even though my payments are current. I've spoken to them about this before and yet they have done nothing to resolve this issue. It was marked as current on XX/XX/XXXX and then became deliquent 5 days later on the XXXX despite my on time payments.
Product: Money transfer, virtual currency, or money service

Im writing formally expressing my concerns regarding Zelles handling of disputes particularly in light of the recent crib lawsuit highlights significant issues with the platform despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle fails to investigate my claim adequately they informed me that recovering lost funds was impossible and tracking these transactions was unfeasible the cfpbs finding indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable raises my concerns about consumers safety
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that XXXX XXXX XXXX XXXX added a collection charge off account on my credit report in the amount of {$4300.00}. The company stated the original creditor is XXXX XXXX XXXX. I immediately contacted the company and told them I never was allowed to secure a lease and this account should not be on my credit report. Upon contacting XXXX XXXX XXXX XXXX I was told that they would investigate this matter and remove it from my credit report. However XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX refuse to remove this fraudulent account from my credit report even though I provided them the e-mail denying me a lease.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that this account be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter. I filed a fraud dispute with XXXX and TransUnion who has refused to block this account from my credit file even though XXXX did so within 24 hours of receiving my dispute. I also tried to contact XXXX over the phone and their telephonic process makes it impossible to speak with a person. After submitting my dispute electronically through their website I received a response in 24 hours that the account would remain on my credit report with no explanation. XXXX also did not provide me with a signed contract or proof of this account. According to 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an unverified incorrect erroneous bankruptcy on my credit report i have disputed the bankruptcy and they claimed to have verified it with LexisNexis why are you supplying your client in accurate unverified information i would like you to fix that since my report has no bankruptcy being reported on there
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and 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 shall 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 : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # XXXX 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 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 items 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 XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Money transfer, virtual currency, or money service

Wise bank have closed my account down and I've had benefits money going in from XXXX  and wise have said I can't have it so appealled over my bank being closed and submitted a refund and they sent me an email this morning saying my bank is staying closed so I phoned them and ask them to transfer the money in my account into my dads and they said they won't be able to do that for me as they have closed my account and that they are keeping my XXXX  benefits money and that I need to make a complaint with yourselfs
Product: Credit reporting or other personal consumer reports

Im attaching a FTC report with XXXX accounts which are fraudulent and listed on my credit report that needs to be removed. This is preventing me from getting a livable paying job to be able to provide for my children which has us currently living in a small mini van. It doesnt make sense nowadays people can steal your information and destroy someones lives! Please delete this garbage immediately please. For the love of God
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I deposited my paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX ) at a capital one branch. I was then told I can't receive my money as there is a " fraud '' check on my account. I have had those account for years ( 4 years ) without any issues. The bank refuses to close out my account or return the check ( my hard earned money )
Product: Student loan

I have reached out to Navient and the XXXX XXXX XXXX XXXX they have approved my my loan to be forgiven so I do not have to pay it.I also sent the letter the XXXX XXXX XXXX XXXX send me.Navient has not updated it on their end and are also reporting it on my credit report as dept no paid and past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have violated my federally protected rights ; both companies are affecting my way of living by reporting know errors eventhoughf i have disputed or informed them of Inaccurate score reports, cautmy to deal with adverse actions when applying for family & household items. 



Experian is reporting one score but on experian its another score XXXX is saying my score is XXXX but rating & account are better than the other bureau 15 usc 1681 A4 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681s2 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: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX  XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear RADIUS GLOBAL SOLUTION, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and identity fraud laws relevant to XXXX, Missouri. 

It has unequivocally come to my attention that RADIUS GLOBAL SOLUTION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri state law, including statutes on identity theft and fraudulent credit reporting, emphasizes the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for RADIUS GLOBAL SOLUTION to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that RADIUS GLOBAL SOLUTION immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant Missouri laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that RADIUS GLOBAL SOLUTION will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Mortgage

XXXX mortgage with Capital One bank. Interest payment jumped from $ XXXX/month to $ XXXX/month. No one can explain why. Then they decided they wanted the loan repaid immediately. They could not maintain employees as every time I called the previous person was no longer with the company. We would have to restart from scratch with a new banker. I have turned in their requested paperwork to at least XXXX employees via fax. The most recent phone conversation said the loan application was closed because I did not send in the requested paperwork which is false. Also during the most recent phone conversation the lady said she spoke with my on XXXX XXXX which she did not. I had to keep calling to get someone 's attention.
Product: Student loan

I have been a public service employee for over 13 years ; as such, I qualify for PSLF and PSLF ( temporary waiver ). 

My employer ( government agency ), signed the necessary paperwork for my PSLF and PSalF ( temporary waiver ).

However, I received a letter from Mohela ( Lon service ), indicating several items are missing from my application, including a valid signature from my employer.

My employer and I both signed the documents via PDF. 

I feel Mohela is giving me the run around and my employer does not have time to keep fixing Mohelas ridiculous requests.
Product: Money transfer, virtual currency, or money service

The scammers created the fake digital wallet address ( XXXX XXXX ), and scammed me to transfer XXXX XXXX in XXXX network from [ Cyrpto.com ] to its fake digital wallet address above. 

XXXX Monday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Wednesday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Thursday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Thursday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Friday XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) The scammer used this digital wallet to scam me that the new stable coin is being released, and that I should be investing. My question is how [ Crypto.com ] does not provide any spot checker for its consumers to verify whether it is a legit digital wallet. It is against consumers right to know. The [ Crypto.com ] provides all the conveniences in transferring and sending digital coins, yet it does not provide any solutions or preventative methods not to be scammed by scammers. Or [ Crypto.com ] should have ways to reverse the transaction that was involved in fraudulent activities. I notified the [ Crypto.com ] right after the scam in XXXX, and I was told that there is nothing they could do. I recently found about CFPB complaint who can stand for consumers right to be protected and that is why I am submitting a claim again. 

[ Crypto.com ] published the article called [ Crypto Remittance Scams : What They Are and How to Avoid Them ] on XX/XX/XXXX at <XXXX XXXX XXXXXXXX, but it is even a year after the scam occurred. I am disappointed how they were negligent about these scamming incidences for a year until they take an so called action by publishing the article that simply said be careful. It is very unresponsible for this gian big tech company like [ Crypto.com ].
Product: Checking or savings account

I used to have a Bank of America checking account, it was in good standing ( never had an overdraft ), but I decided to close it. I applied for BofA checking account about 4 years ago, but it was declined since I could not provide proof for employment, it was the height of Covid pandemic, and I got laid off at that time. I applied recently for a BofA checking account with a {$300.00} offer for a new checking customer, but my application was not approved. I've been employed since 2021 and am making {$95000.00} annually. I have biweekly paycheck for direct deposit to Bank of America, if they approve my application. I have more than $ XXXX ready for savings deposit. And all of my credit cards are in good standing. The derogatory remark from XXXX XXXX for a {$1.00} past due. Yes, {$1.00} past due had been deleted and corrected. It was an error. I am applying for a checking account not a credit card. Checking accounts requires direct deposits and maintain a certain cash balance unlike credit cards which has a higher liability and accountability.