23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally express my frustration and disappointment regarding the recent and unexpected closure of my Citi XXXX XXXX XXXX XXXX XXXX account. I applied for this card through Citibank in XXXX and had been using it responsibly without any issues. My account was current, and there were no overdue payments or outstanding balances at the time of closure. 

A couple of weeks ago, I was shocked to discover that Citibank had closed my account without any prior notice or explanation. When I reached out to customer service for clarification, I was informed that the closure was allegedly due to a returned check. However, I was not provided with any specific details or supporting evidence regarding this claim. 

What concerns me even more is that Citibank had charged me a substantial application and membership fee of nearly {$700.00} back in XXXX. Since Citibank made the decision to close my account despite my account being in good standing I believe it is only fair and reasonable to refund this fee. Unfortunately, when I raised this issue with a customer service supervisor today, I was told that Citibank does not issue refunds under such circumstances. 

Furthermore, when I inquired about the process for filing a complaint with a relevant regulatory body, the supervisor was unable ( or unwilling ) to provide me with any guidance or information on how to escalate my concerns. I find this lack of transparency and accountability deeply concerning. 

I believe this situation is highly unfair. I upheld my obligations as a cardholder by maintaining a current account status and making timely payments. If Citibank has decided that they no longer wish to retain my business, that is their right but it should not come at the expense of the substantial fee I paid for a service that was ultimately terminated through no fault of my own. 

I kindly request that Citibank reconsider this matter and process a full refund of the application and membership fee. If this issue is not resolved promptly, I may have no choice but to escalate the matter to the appropriate financial regulatory authorities. 

Thank you for your attention to this matter. I look forward to a fair and reasonable resolution.
Product: Debt collection

I disputed this company all of XXXX and the credit bureaus deleted account, but debt collector changed it 's name to report again on my reports which is causing me to qualify for loans or credit.I sent company a validation letter to validate debt but I received no response and company re aged debt on XXXX XXXX that how I know they received my validation letter.They have no information to send
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institutions and zelle failes 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 allowed repeat offenders to exploit the system, leaving user vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of XXXX I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the XXXX XXXX XXXX XXXX they told me to contact the XXXX XXXX XXXX XXXX XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the XXXX XXXX investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX /  XXXX XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in XXXX and Transunion responded and still did not remove the items however XXXX did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed
Product: Consumer Loan

On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX XXXX  Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX XXXX. Despite my efforts to address and resolve this matter, XXXX XXXX  has failed to provide verifiable evidence supporting the reported late payments, leaving me with incorrect and harmful information on my credit report. 

I initiated a formal dispute with XXXX XXXX  and requested a thorough investigation of the late payments being reported. However, during phone conversations with their representatives, I was informed that they are unable to verify the accuracy of the reported late payments. XXXX XXXX  admitted that their only available records are limited to bank statements, and they do not have the necessary resources to conduct a proper investigation. This failure to verify the accuracy of the reported information is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, any information that can not be verified must be promptly removed from my credit report. Despite their inability to verify the information, XXXX XXXX  continues to furnish incorrect data to the credit reporting agencies. This has caused significant harm to my financial standing and has severely impacted my ability to : Obtain a job, including certain federal positions that require stringent background checks. 
Purchase a home to provide a stable living environment for my family. 
Access future credit opportunities to rebuild my financial health. 

As a professional working with XXXX XXXX and XXXX XXXX and a dedicated provider for my wife and XXXX  daughter, I take my financial responsibilities seriously. The continued inaccuracies on my credit report hinder my ability to build a stable future for my family and achieve my career aspirations, including my upcoming training at the XXXX XXXX  in XX/XX/year>. 

I am requesting the CFPB to take the following actions regarding XXXX XXXX  : XXXX. Investigate XXXX XXXX failure to properly investigate my dispute and verify the reported information. 
XXXX. Require XXXX XXXX  to provide verifiable evidence supporting the reported late payments or remove all unverifiable information from my credit report. 
XXXX. Ensure compliance with FCRA standards to protect consumers like me from the consequences of unverified and inaccurate reporting. 

Enclosed, I have included copies of my written dispute, correspondence with XXXX XXXX, and any supporting documentation. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure that my rights as a consumer are upheld and this matter is resolved fairly and promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

i filed a dispute of an outstanding bill that was not correct, all they did was verify that the bill was sent to me without further investigation as to is correctness.
Product: Credit card or prepaid card

Wells Fargo XXXX XXXX XXXX XXXX ID # XXXX {$350.00} XXXX XXXX Charges Unauthorized due to Immediate Cancelation after sign up XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$29.00} XXXX XXXX claimed to credit XXXX Wells Fargo Credits Additional months not shown in the above charges XXXX {$24.00} Dispute ID # XXXX XX/XX/XXXX {$24.00} Dispute ID # XXXX XXXX {$59.00} Dispute ID # XXXX Total Credits {$100.00} These month charges not included in above months charges This company conducts fraudulent business practices as displayed by attached law suit, XXXX XXXX XXXX Complaints, and XXXX XXXX XXXX, with multiple other complaint companies not included in the attachments, as too many to include. 


NOTE : The files are difficult to open and may require Open in Viewer and then wait for scanning to complete to open. Files are critical to open so attempts of various means recommended.. 


I canceled immediately after sign up in XX/XX/XXXX, as I began to read the fraud of XXXX XXXX. They refused to cancel and continued billing my account monthly. I contacted Wells Fargo several times to file a dispute to unauthorized charging continuing on my account with the merchant refusing to stop. There was no contract. I asked Wells Fargo to block the merchant which they failed to handle as well. Finally, after a year Wells Fargo disputed it and sent back the last three charges as unauthorized charges. When Wells Fargo finally entered the dispute over a year later, they only credited the last three months ( shown above ). 
I filed cases with the Executive Office, but to no avail. This is Wells Fargo 's responsibility as they failed to stop the charges, block the merchant to stop future charges and file a timely dispute when brought to their attention that they needed to help this matter and to credit the account early on for unauthorized charges
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : {$0.00} ; 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 card

In speaking with Chase customer service I was advised that if I paid the balance in full I would not be charged interest. I paid the balance in full but find an interest charge on my account of {$91.00} labeled as residual interest. 

I have never had as much difficulty getting accurate information from call centers about how a product works- I have never been charged residual interest by any other credit card company - the XXXX indicated if the balance was paid in full there is no interest which implies that there is a grace period on charges if the full balance is paid by its due date as this card has worked for me since its inception. So given the call where they tell me pay the balance in full and no interest will be charged that is my expectation. 

But apparently not so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Experian is presently reporting ( 2 ) instances of this account on my credit file. Experian is in violation of state and federal law in doing so. I demand that Experian delete BOTH  instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Or, delete the > 30 day late payment reported for XX/XX/XXXX. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is unnecessary and is adversely impacting my credit score. Also, reporting the XX/XX/XXXX as late is also adversely impacting my credit. Please delete both instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ) from my Experian credit report immediately.
Product: Debt collection

THIS COMPANY is are in violation under 15 U.S> Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit information and 15 U.s. Code 1681e ( b ) Compliance procedures maximum possible accuracy I did an investigation on my credit report which uncontrollably caused me XXXX XXXXXXXX upon me after discovering this and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct.

This company is violating many rights of mines under FCR. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. AS well this company is in violation under 15 U.S> Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit information and 15 U.s. Code 1681e ( b ) Compliance procedures maximum possible accuracy. I have made many attempts to fix this issues with this company directly but no luck and they are violating my rights and i want the money I am entitled to which is {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP NO EXECPTIONS! 

Dispute " WFBNA CARD '' collection reporting to XXXX as a write of date opened XX/XX/XXXX with XXXX different credit limits not the same as XXXX or XXXX. DATE OF LAST PAYMENT NOT THE SAME AS 2 OTHER REPORTING reporting to XXXX as OK payment - charge off account - date opened XX/XX/XXXX and credit limits and date of last payment is not the same as reported on XXXX and XXXX. 


reporting to XXXX as Collection with date last active XX/XX/XXXX, reported as a loss, date of last payment/credit limits/date opened/ last reported date is not the same as reported on XXXX and XXXX.
Product: Credit card or prepaid card

It was n't until my husband took over the bills recently that he noticed I have been charged a  Card Security fee  ranging from $  XXXX  for the past  two years on my Amazon Credit account. I never signed up for this service. I h ave no idea what it is. I never agreed to this service, etc.   I have been trying to run a   XXXX   XXXX  , give people jobs, while supporting my mom who has been on  XXXX  for over 20 years, borrowing tens of thousands of dollars to try to keep my business afloat only to have some insidious fee/company draining me of much needed money every month. I do n't have time to read over every single bill I get in order to look for hidden fees. I look to see what I owe and I make a payment. I have tried calling the  XXXX  # listed on my Amazon bills but I have not been able to get a hold of anyone. The website mentioned on the automated message is not active.   I found a discussion about this online, and I am not the only  one  in this position. If you scroll down just a little, the complaints begin -   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Prepaid card

During Covid my informations was compromised and someone activated my card And used my funds which I thought I was receiving direct deposit but never was I ever
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent transunion a letter regarding the negative items reporting on my credit report on XX/XX/2019 via certified mail and haven't heard anything back from them.i am asking the m to verify the items or delete it from my credit report within 30 days required by law
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Complaint Against XXXX for FCRA Violations and Unlawful Reporting of Bankruptcy Information To Whom It May Concern, I am filing a formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of unauthorized information on my credit report. Specifically, Transunion has unlawfully reported bankruptcy information without my consent, failed to conduct a proper investigation into my dispute, and improperly shared my personal information with third parties in violation of the FCRA.

Under the FCRA, credit reporting agencies are not permitted to place items on a consumers credit report without their authorization. At no time have I provided Transunion with permission to include bankruptcy or any other information in my credit file. Despite this, Transunion continues to report a bankruptcy that is unauthorized. 
To support my dispute, I provided Transunion with a copy of an email from the bankruptcy court explicitly stating that they do not share court information with credit bureaus. Additionally, I submitted a letter from XXXX confirming that the bankruptcy information was determined to be unverifiable. However, Transunion willfully ignored the contents of this letter and continued to maintain the information in my file. 
Furthermore, Transunion unlawfully shared my personal information with a third-party company to search for information about me. This constitutes an unauthorized disclosure of my private data, which is a direct violation of the FCRA. 

Pursuant to the FCRA, the following statutory damages and penalties apply : Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, Transunion is liable for willful and negligent noncompliance with the FCRA, which entitles me to actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees if legal action is pursued.

Under 15 U.S.C. 1681b, Transunion is prohibited from obtaining or sharing my credit information without a permissible purpose. Any violation of this provision further subjects them to liability. 
Given these clear violations, I demand that Transunion immediately remove the bankruptcy from my credit file and cease all unauthorized reporting of my personal information. 
I request that the CFPB investigate Transunions non-compliance with the FCRA and take the necessary enforcement actions to hold them accountable for their misconduct. 
Please provide me with an update on the actions taken regarding this complaint at your earliest convenience.